Cheaper 1998 Volkswagen Passat Insurance Quotes

Trying to find the cheapest insurance rates for your Volkswagen Passat? Price shopping your insurance is always challenging for people who are new to comparing rates online. You have so many options that it can be a real challenge to find the best price.

Pricing cheaper coverage can be fairly easy. Just about everyone who buys insurance coverage will more than likely be able to find lower rates. But drivers need to have an understanding of how the larger insurance companies market on the web and apply this information to your search.

Discounts are basically free money

Insurance can be prohibitively expensive, but you may find discounts that you may not know about. Most are applied when you purchase, but some may not be applied and must be specifically requested before you get the savings.

  • Defensive Driving Course – Completing a driver safety course could possibly earn you a 5% discount if your company offers it.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.
  • Accident Waiver – A handful of insurance companies permit an accident before raising your premiums if your claims history is clear for a set time period.
  • Life Insurance Discount – Some companies give a break if you buy a life insurance policy as well.
  • Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts may earn rate discounts of up to 25% or more.
  • Payment Discounts – If you pay your bill all at once instead of paying each month you may reduce your total bill.
  • Clubs and Organizations – Participating in a qualifying organization is a good way to get lower rates on your policy for Passat insurance.

A little note about advertised discounts, most credits do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as comprehensive or collision. So when the math indicates all those discounts means the company will pay you, you’re out of luck. Any qualifying discounts will reduce your premiums.

For a list of companies with the best car insurance discounts, click here.

Cheap Insurance Comparisons

To find the best insurance prices, there are several ways of comparing rates from insurance companies in your area. The quickest method to compare 1998 Volkswagen Passat insurance prices consists of obtaining rate quotes online. This is very easy and can be done in just a few minutes using one of these methods.

The easiest and least time consuming way to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This type of form eliminates the need for a different quote to each individual insurance company. One form gets rate comparisons from multiple companies. Just one form and you’re done.

A different way to find lower rates consists of going to each company website to complete a price quote. For instance, let’s say you want to compare rates from Nationwide, Progressive and Allstate. You would have to spend time on each company’s site to enter your coverage information, which is why the first method is more popular. To view a list of companies in your area, click here.

Whichever way you use, compare the exact same coverages for each comparison quote. If the quotes have different deductibles you can’t possibly find the best deal for your Volkswagen Passat. Quoting even small variations in limits may result in large price differences. And when quoting insurance, remember that having more price comparisons will enable you to find the best price.

Which insurance is the “right” coverage?

When buying coverage, there isn’t really a one size fits all plan. Everyone’s situation is a little different.

Here are some questions about coverages that can help discover whether you might need an agent’s assistance.

  • What is high-risk coverage and where do I buy it?
  • How many claims can I have before being cancelled?
  • Is my teenager covered with friends in the car?
  • Am I covered if I crash into my own garage door?
  • Do I need special endorsements for business use of my vehicle?
  • Do I need replacement cost coverage on my 1998 Volkswagen Passat?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form.

Car insurance coverage considerations

Having a good grasp of a car insurance policy can help you determine the best coverages for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like prosthetic devices, X-ray expenses, EMT expenses, funeral costs and hospital visits. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Volkswagen Passat.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from getting keyed, a broken windshield, theft and rock chips in glass. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability insurance

This coverage will cover damage or injury you incur to other people or property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like emergency aid, pain and suffering, loss of income, bail bonds and medical services. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Coverage for collisions

Collision insurance will pay to fix damage to your Passat caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as crashing into a ditch, crashing into a building, colliding with another moving vehicle, rolling your car and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Be Smart and Buy Smart

People leave their current company for any number of reasons including policy cancellation, an unsatisfactory settlement offer, not issuing a premium refund and poor customer service. Regardless of your reason, switching companies is not as difficult as it may seem.

Affordable 1998 Volkswagen Passat insurance can be bought both online and also from your neighborhood agents, and you need to price shop both in order to have the best chance of saving money. A few companies may not provide the ability to get a quote online and these smaller companies work with independent agents.

We just showed you a lot of tips how to reduce insurance prices online. The key concept to understand is the more rate quotes you have, the better likelihood of reducing your rate. Drivers may discover the lowest premiums are with a lesser-known regional company.

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