1991 Volkswagen Passat Insurance Rates – 5 Tips for Cheaper Quotes

Searching for lower insurance coverage rates? Consumers have lots of choices when looking for the best price on Volkswagen Passat insurance. They can either spend hours calling around trying to get quotes or save time using the internet to get rate quotes. There are more efficient ways to find insurance coverage online so you’re going to learn the proper way to compare rates for a Volkswagen and locate the lowest price from both online companies and local agents.

Don’t miss these five discounts

Car insurance companies do not advertise all their discounts in a way that’s easy to find, so here is a list both well-publicized and the harder-to-find insurance coverage savings. If you aren’t receiving every discount available, you’re just leaving money on the table.

  • Multiple Vehicles – Having multiple vehicles with the same company may reduce the rate for each vehicle.
  • Distant Student – Children who live away from home and do not have a car can be insured at a reduced rate.
  • Pay Upfront and Save – If you pay your bill all at once rather than paying monthly you could save up to 5%.
  • Multi-policy Discount – If you have multiple policies with the same insurance company you will save at least 10% off all policies.
  • Discount for Good Grades – Performing well in school can get you a discount of up to 25%. The discount lasts up until you turn 25.

Consumers should know that many deductions do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, you won’t be that lucky.

Insurance companies that possibly offer these discounts are:

Check with each company how you can save money. Some discounts might not apply in every state.

Do auto insurance companies bend the truth?

Consumers can’t get away from ads for the lowest price auto insurance by Allstate and Progressive. They all seem to say the same thing of big savings if you change to their company.

But how can every company make the same claim?

Different companies can use profiling for the type of customer that earns them a profit. For example, a desirable insured could be over the age of 50, insures multiple vehicles, and has excellent credit. A customer getting a price quote that hits that “sweet spot” will get very good rates and is almost guaranteed to save when switching.

Consumers who don’t qualify for the requirements will have to pay more money which usually ends up with business going elsewhere. The ads state “drivers who switch” not “everybody who quotes” save that kind of money. That is how companies can make those claims. Because of the profiling, drivers should compare many company’s rates. It’s just too difficult to predict the company that will provide you with the cheapest Volkswagen Passat insurance rates.

When might I need help?

When it comes to choosing the right insurance coverage, there isn’t really a single plan that fits everyone. Every insured’s situation is different.

Here are some questions about coverages that could help you determine if you would benefit from an agent’s advice.

  • What is PIP insurance?
  • Am I covered if hit by an uninsured driver?
  • Am I covered if my car is in a flood?
  • Does my policy pay for OEM or aftermarket parts?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Am I insured when driving a different vehicle?

If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance coverage information

Having a good grasp of your policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Volkswagen Passat.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Auto liability

This protects you from injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims such as bail bonds, pain and suffering and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage protection

This coverage pays for damage to your Passat resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as damaging your car on a curb, hitting a mailbox, sideswiping another vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like nursing services, pain medications, ambulance fees and X-ray expenses. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like falling objects, fire damage and hitting a bird. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Don’t be a big spender

We just covered many tips how you can get a better price on 1991 Volkswagen Passat insurance. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. Consumers may even find the best price on auto insurance is with some of the smallest insurance companies.

When you buy insurance online, never reduce coverage to reduce premium. There have been many cases where someone sacrificed comprehensive coverage or liability limits only to discover later that the small savings ended up costing them much more. Your strategy should be to find the BEST coverage for the lowest price.

Consumers leave their current company for any number of reasons including extreme rates for teen drivers, poor customer service, policy cancellation and even not issuing a premium refund. It doesn’t matter what your reason, choosing a new company is easier than you think.

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