How Much Does 1999 Volkswagen Passat Insurance Cost?

Scraping up a payment for overpriced Volkswagen Passat insurance can overdraw your bank account and force you to make sacrifices. Shopping your coverage around is a smart way to slash your bill and have more diposable income.

Since consumers have many companies and agents to choose from, it is very difficult to locate the best insurance company.

It’s a great practice to do rate comparisons on a regular basis because insurance rates change frequently. Just because you had the lowest price for Passat insurance on your last policy there is a good chance you can find better rates now. You can find a lot of misleading information regarding auto insurance online but we’re going to give you some great ways to stop overpaying for insurance.

Discounts can save BIG

Companies do not list all their discounts in an easy-to-find place, so we break down some of the best known as well as the least known discounts you could be receiving.

  • Low Mileage – Keeping the miles down on your Volkswagen could qualify for a substantially lower rate.
  • Senior Citizens – If you’re over the age of 55, you can possibly qualify for a discount up to 10% for Passat insurance.
  • Seat Belts Save more than Lives – Drivers who require all occupants to buckle their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts may earn rate discounts of 20% or more.
  • Safety Course Discount – Successfully completing a course teaching defensive driving skills could save 5% or more and easily recoup the cost of the course.
  • Bundle and Save – When you combine your home and auto insurance with one insurance company you may earn at least 10% off all policies.
  • Military Rewards – Having a family member in the military could mean lower rates.
  • Claim Free – Drivers with accident-free driving histories pay much less when compared with accident-prone drivers.

A little note about advertised discounts, some of the credits will not apply to the entire policy premium. Some only reduce the cost of specific coverages such as comprehensive or collision. Just because it seems like adding up those discounts means a free policy, it just doesn’t work that way.

For a list of insurance companies offering insurance discounts, follow this link.

Auto Insurance Prices

Shopping for lower auto insurance rates can be challenging if you don’t know the easiest way. You can waste hours driving to agents in your area, or you can stay home and use the internet to quickly compare rates.

The majority of car insurance companies participate in an industry program where prospective buyers enter their coverage request one time, and at least one company can provide price quotes based on that data. This prevents consumers from doing quote requests to each company.

To find out how much you’re overpaying now click here (opens in new window).

The only downside to getting quotes like this is buyers cannot specifically choose the providers to get pricing from. So if you prefer to choose from a list of companies to compare, we put together a list of companies who write auto insurance in your area. Click here for list of insurance companies.

It’s up to you which method you use, but compare exactly the same coverages and limits with every price quote. If your comparisons have different liability limits it’s impossible to determine which rate is truly the best. Just a small difference in coverages may result in a large different in cost. And when comparison shopping, comparing a large number of companies will improve the odds of getting the best rates.

Will just any policy work for me?

When buying the right insurance coverage, there really is not a “best” method to buy coverage. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover if you would benefit from professional advice.

  • Am I covered when delivering products for my home-based business?
  • Do I pay less for low miles?
  • What exactly is covered by my policy?
  • Does my 1999 Volkswagen Passat need full coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • How much liability insurance is required?
  • Does coverage extend to Mexico or Canada?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Insurance coverage options for a 1999 Volkswagen Passat

Knowing the specifics of your policy can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Listed below are typical coverages available from insurance companies.

Coverage for liability – This protects you from damage or injury you incur to a person or their property in an accident. This coverage protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims like legal defense fees, bail bonds, repair costs for stationary objects and emergency aid. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Volkswagen Passat.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for expenses like dental work, surgery, rehabilitation expenses, prosthetic devices and chiropractic care. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. They cover you and your occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like damage from flooding, theft and vandalism. The most a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage – Collision coverage pays for damage to your Passat resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like hitting a parking meter, crashing into a building, scraping a guard rail, damaging your car on a curb and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

At the end of the day…

You just read many ways to shop for 1999 Volkswagen Passat insurance online. It’s most important to understand that the more companies you get rates for, the better likelihood of reducing your rate. You may even discover the biggest savings come from a company that doesn’t do a lot of advertising. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as Progressive or Geico.

When shopping online for insurance, make sure you don’t skimp on coverage in order to save money. In many cases, consumers will sacrifice physical damage coverage and discovered at claim time that it was a big error on their part. The proper strategy is to find the BEST coverage at a price you can afford, not the least amount of coverage.

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