Save on 1992 Volkswagen Passat Car Insurance Quotes

Searching for lower car insurance rates for your Volkswagen Passat? Are you overwhelmed by the crazy number of car insurance choices? Many other consumers are too. Drivers have so many options available that it can be more work than you anticipated to compare prices.

You should make it a habit to compare rates before your policy renews because insurance rates are usually higher with each renewal. Even if you think you had the best deal for Passat insurance a few years ago there is a good chance you can find better rates now. So forget anything you know (or think you know) about car insurance because you’re going to learn one of the quickest ways to properly buy coverages and cut your premium.

Policy discounts you shouldn’t miss

Auto insurance companies don’t list all their discounts very well, so we took the time to find some of the more common and also the lesser-known savings tricks you should be using.

  • Accident Free – Claim-free drivers pay less when compared with frequent claim filers.
  • Low Mileage – Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
  • Resident Student – Youth drivers who are attending college and do not have a car can be insured at a reduced rate.
  • Good Students Pay Less – Performing well in school can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
  • Pay Now and Pay Less – If you pay your bill all at once instead of paying each month you can actually save on your bill.
  • Student Driver Training – Require your teen driver to take driver’s ed class if offered at their school.
  • Anti-theft System – Cars that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Multiple Policy Discount – When you have multiple policies with the same company you will save up to 20% off your total premium.
  • Defensive Driving Course – Successfully completing a course in driver safety could save 5% or more if your company offers it.

As a disclaimer on discounts, most discount credits are not given to the entire policy premium. Most cut specific coverage prices like physical damage coverage or medical payments. Just because it seems like all the discounts add up to a free policy, you’re out of luck.

Insurance companies who might offer these money-saving discounts are:

Double check with every prospective company what discounts are available to you. All car insurance discounts may not apply in your state.

These factors can influence what you pay for Volkswagen Passat insurance

Smart consumers have a good feel for the factors that help determine the rates you pay for car insurance. When you know what positively or negatively influences your rates helps enable you to make changes that will entitle you to much lower annual insurance costs.

  • Don’t buy coverages you don’t need – There are a lot of additional coverages that you can buy if you aren’t careful. Coverages for vanishing deductibles, towing coverage and additional equipment coverage may be wasting your money. They may seem like a good idea initially, but now you might not need them so eliminate them to save money.
  • Never allow your policy to lapse – Letting your insurance expire is a sure-fire way to bump up your car insurance costs. And not only will insurance be more expensive, but being ticketed for driving with no insurance will get you a revoked license or a big fine.
  • Lower rates with optional equipment – Choosing a vehicle with anti-theft technology or alarm system can help bring down rates. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart auto theft.
  • Low deductibles can be expensive – Physical damage insurance, also known as collision and other-than-collision, protects your Volkswagen from damage. Some examples of claims that would be covered are a windshield shattered by a rock, damage from fire, and rolling your vehicle. Deductibles for physical damage are the amount of money you are required to spend before a claim is paid by your company. The higher the amount the insured has to pay upfront, the lower your rates will be for Passat insurance.
  • Frequent car insurance claims increase rates – If you frequently file small claims, you can expect either higher rates or even cancellation. Insurance companies award lower rates to policyholders who are claim-free. Car insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Poor driving leads to higher costs – Just one moving violation can bump up the cost by as much as thirty percent. Drivers who don’t get tickets tend to pay less for car insurance than people who have multiple driving citations. Drivers who have severe citations like DUI or reckless driving may need to submit a SR-22 form with the DMV in their state in order to drive a vehicle legally.

Insurance agents can help

When choosing the best car insurance coverage, there really is not a best way to insure your cars. Everyone’s needs are different.

For instance, these questions may help highlight if you may require specific advice.

  • Are rock chip repairs covered?
  • Am I covered when driving on a suspended license?
  • When should I drop full coverage on my 1992 Volkswagen Passat?
  • When can I cancel my policy?
  • Does my 1992 Volkswagen Passat need full coverage?
  • When should I buy a commercial auto policy?
  • Is my 1992 Volkswagen Passat covered for flood damage?
  • When would I need additional glass coverage?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

Save $415 a year. For real?

Auto insurance companies such as 21st Century, Allstate and State Farm constantly bombard you with ads on TV and radio. They all seem to say the same thing of big savings if you switch your policy. But how can every company say the same thing? This is how they do it.

Different companies have a preferred profile for the right customer that makes them money. A good example of a profitable customer could be between 30 and 50, insures multiple vehicles, and has excellent credit. A customer getting a price quote who fits that profile will qualify for the lowest rates and most likely will save a lot of money.

Potential customers who are not a match for this ideal profile will be quoted a higher premium and this can result in the customer not buying. Company advertisements say “drivers who switch” not “everyone that quotes” save that kind of money. This is how insurance companies can advertise the way they do. This emphasizes why drivers should get as many quotes as possible. It’s just too difficult to predict the company that will provide you with the cheapest Volkswagen Passat insurance rates.

Information about specific coverages

Learning about specific coverages of insurance can be of help when determining the best coverages and the correct deductibles and limits. Insurance terms can be confusing and reading a policy is terribly boring.

Comprehensive (Other than Collision)

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

Comprehensive can pay for things such as damage from a tornado or hurricane, hitting a bird, vandalism, a broken windshield and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability coverages

Liability insurance can cover damage or injury you incur to other people or property that is your fault. This coverage protects you from legal claims by others. It does not 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 limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage pays for claims like court costs, attorney fees and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Collision protection

Collision coverage pays for damage to your Passat resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as driving through your garage door, hitting a mailbox and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your 1992 Volkswagen Passat.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical expense insurance

Coverage for medical payments and/or PIP pay for immediate expenses for things like funeral costs, doctor visits and EMT expenses. They can be utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Stretch your dollar

When trying to cut insurance costs, make sure you don’t buy less coverage just to save a little money. There have been many situations where an insured cut collision coverage and found out when filing a claim that the savings was not a smart move. The ultimate goal is to get the best coverage possible for the lowest price, not the least amount of coverage.

Insureds switch companies for any number of reasons including an unsatisfactory settlement offer, policy non-renewal, extreme rates for teen drivers or delays in paying claims. It doesn’t matter why you want to switch finding a new company is not as difficult as it may seem.

In this article, we presented a lot of techniques to save on 1992 Volkswagen Passat insurance. The key concept to understand is the more companies you get rates for, the more likely it is that you will get a better rate. Consumers could even find that the lowest rates come from a company that doesn’t do a lot of advertising.

Much more information about insurance can be found at these links: