2000 Volkswagen Passat Insurance Rates

Want better insurance rates for your Volkswagen Passat? Having to pay for overpriced Volkswagen Passat insurance can take a big chunk out of your checking account, especially in this economy. Doing a price comparison is free and is an excellent way to help make ends meet.

Many auto insurance companies compete for your business, and it can be difficult to compare rates and get the best coverage at the best rate

The most recommended method to compare car insurance company rates is to know the trick almost all companies will pay a fee to give rate comparisons. To get started, all you need to do is provide information like the type of vehicles you drive, level of coverage desired, whether your vehicle is owned or leased, and how your vehicles are used. That rating data is submitted instantly to many of the top insurers and they provide comparison quotes very quickly.

To start a quote now, click here and see if a lower rate is available.

The insurance coverage bait and switch

Progressive, Geico, Allstate and State Farm regularly use ads on TV and radio. All the companies say the same thing that you can save if you move your coverage to them. How do they all say the same thing?

All the different companies can use profiling for the driver that is profitable for them. For example, a driver they prefer might be between the ages of 40 and 55, insures multiple vehicles, and chooses high deductibles. Any driver who meets those qualifications is entitled to the best price and most likely will pay quite a bit less when switching companies.

Potential customers who don’t qualify for these standards will be quoted higher rates which usually ends up with business going elsewhere. Company advertisements say “customers that switch” not “people who quote” save that much money. This is how insurance companies can confidently make the claims of big savings. This emphasizes why you need to get a wide range of price quotes. It is impossible to predict which insurance coverage company will give you the biggest savings on Volkswagen Passat insurance.

How to reduce Volkswagen Passat insurance rates

Companies that sell car insurance don’t necessarily list every discount very clearly, so we took the time to find both the well known and the harder-to-find savings tricks you should be using.

  • Multiple Policy Discount – When you have multiple policies with one insurance company you could get a discount of 10% to 20% off each policy.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
  • 55 and Retired – Mature drivers may be able to get better insurance rates on Passat coverage.
  • One Accident Forgiven – Certain companies will allow you to have one accident before your rates go up if your claims history is clear for a set time period.
  • Safe Driver Discount – Insureds without accidents can get discounts for up to 45% lower rates on Passat coverage than drivers with accidents.
  • New Car Discount – Putting insurance coverage on a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • Early Switch Discount – Some insurance companies reward drivers for switching to them prior to your current policy expiring. It’s a savings of about 10%.
  • Federal Government Employee – Being employed by or retired from a federal job could cut as much as 10% off on Passat coverage with a few insurance companies.

As a disclaimer on discounts, some of the credits will not apply to all coverage premiums. Most only cut specific coverage prices like liability and collision coverage. So when it seems like all those discounts means the company will pay you, it doesn’t quite work that way.

Companies that may offer some of the above discounts include:

It’s a good idea to ask each insurance company how you can save money. All car insurance discounts may not be available in your area.

Tailor your coverage to you

When choosing proper insurance coverage, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining whether or not you might need an agent’s assistance.

  • Does my policy cover me when driving someone else’s vehicle?
  • Will my rates increase for filing one claim?
  • Are there companies who specialize in insuring high-risk drivers?
  • How many claims can I have before being cancelled?
  • Is pleasure use cheaper than using my 2000 Volkswagen Passat to commute?
  • Do I need replacement cost coverage?
  • What can I do if my company denied a claim?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • How much underlying liability do I need for an umbrella policy?
  • When should I drop full coverage on my 2000 Volkswagen Passat?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Specific coverage details

Learning about specific coverages of your car insurance policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Shown next are the usual coverages found on most car insurance policies.

UM/UIM Coverage

This provides protection when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Volkswagen Passat.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for bills like prosthetic devices, pain medications and EMT expenses. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

This coverage 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 coverage protects against claims such as a tree branch falling on your vehicle, a broken windshield and hail damage. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for liability

This protects you from damage that occurs to other’s property or people by causing an accident. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things like legal defense fees, structural damage, loss of income, pain and suffering and court costs. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

Collision protection

Collision coverage pays for damage to your Passat resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as scraping a guard rail, backing into a parked car, sideswiping another vehicle and damaging your car on a curb. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Never pay more for less

We just presented a lot of information how to get a better price on 2000 Volkswagen Passat insurance. The key concept to understand is the more companies you get rates for, the better likelihood of reducing your rate. Drivers may discover the best prices are with a smaller regional carrier. Regional companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate and Progressive.

Affordable insurance is available from both online companies as well as from independent agents, so compare prices from both to have the best rate selection. There are still a few companies who don’t offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

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