1993 Volkswagen Passat Insurance Rates – 7 Tips to Save

Want cheaper insurance coverage rates for your Volkswagen Passat? No one enjoys paying for insurance coverage, especially when the cost is way too high.

Many car insurance companies compete to insure your vehicles, and it can be difficult to compare rates and get the definite best rate

If you currently have a car insurance policy, you will be able to save some money using this information. Finding the best rates is quite easy. But vehicle owners should learn the way companies sell online because it can help you find the best coverage.

Compare Quotes for Car Insurance

Most major insurance companies provide coverage price quotes online. Getting online rates is fairly simple as you just enter your personal and coverage information as requested by the quote form. When complete, their system automatically orders your driving record and credit report and generates pricing information. This helps simplify price comparisons, but the time it takes to visit each company’s website and repetitively fill out multiple forms can be a bit tiresome and repetitive. But it’s very important to have as many quotes as possible if you are searching for the lowest possible prices on car insurance.

There is an easier way!

The preferred way to compare car insurance pricing is to use a quote form that gets price quotes from more than one company. The form is fast, eliminates form submissions, and makes online quotes a little more enjoyable. As soon as you send your information, your coverage is rated with multiple companies and you can pick your choice of the quotes returned.

If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. The entire process takes just a few minutes to complete and you will know how your current rates stack up.

To find out how much you can save on car insurance, click here and enter your information. If you have coverage now, it’s recommended you type in the insurance coverages identical to your current policy. This ensures you will get comparison quotes based on the exact same insurance coverage.

Pay less for 1993 Volkswagen Passat insurance

Car insurance is not cheap, but you may find discounts that you may not even be aware of. Certain discounts will be triggered automatically when you get a quote, but some must be requested specifically before you will receive the discount.

Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts can save 10% or more off your medical payments premium.
Driver Safety – Successfully completing a course teaching defensive driving skills could save 5% or more depending on where you live.
Federal Government Employee – Being employed by or retired from a federal job may qualify you for a discount for Passat insurance with a few insurance companies.
Sign Early and Save – A few companies offer discounts for switching policies prior to your current policy expiration. It can save you around 10%.
55 and Retired – If you’re over the age of 55, you may receive a small decrease in premiums for Passat insurance.
Payment Method – If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
Theft Prevention Discount – Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.

Drivers should understand that most discount credits are not given to your bottom line cost. Most cut individual premiums such as liability, collision or medical payments. Even though it may seem like having all the discounts means you get insurance for free, companies wouldn’t make money that way. Any qualifying discounts will cut the cost of coverage.

A partial list of companies that possibly offer some of the above discounts may include but are not limited to:

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. Some discounts might not apply everywhere.

Tailor your coverage to you

When buying the best car insurance coverage, there isn’t really a cookie cutter policy. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover if you might need professional guidance.

Am I covered by my employer’s commercial auto policy when driving my personal car for business?
Can I afford to buy a different vehicle if my 1993 Volkswagen Passat is totaled?
Do I have coverage for damage caused while driving under the influence?
Do I get a pro-rated refund if I cancel my policy early?
What is no-fault insurance?
Will I be non-renewed for getting a DUI or other conviction?
Am I covered when driving a rental car?
How do I file an SR-22 for a DUI in my state?
Do I pay less if my vehicle is kept in my garage?
What is high-risk coverage and where do I buy it?

If you’re not sure about those questions but a few of them apply, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area.

Coverages available on your policy

Understanding the coverages of your insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and reading a policy is terribly boring. Listed below are the normal coverages found on most insurance policies.

Coverage for collisions

Collision insurance will pay to fix damage to your Passat from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like colliding with a tree, hitting a mailbox, hitting a parking meter, driving through your garage door and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive coverages

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like hitting a deer, vandalism, fire damage, hail damage and damage from flooding. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like surgery, prosthetic devices and doctor visits. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

Liability insurance will cover injuries or damage you cause to a person or their property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as repair costs for stationary objects, legal defense fees, attorney fees and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your 1993 Volkswagen Passat.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Most of the time these coverages do not exceed the liability coverage limits.