1995 Volkswagen Passat Insurance Rates – 7 Ways to Save

Paying for high-priced Volkswagen Passat insurance can overdraw your checking account and make it hard to pay other bills. Doing a price comparison is free and is an excellent way to help make ends meet.

Many car insurance companies vie to insure your vehicles, so it’s not easy to compare every insurance company to find the lowest price

If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using these techniques. Buying car insurance is quite easy. Nevertheless, consumers can benefit by having an understanding of how insurance companies price online insurance because it can help you find the best coverage.

Comprehensive Car Insurance Comparison

Most major insurance companies provide coverage prices on their websites. Obtaining pricing is pretty easy as you simply enter your coverage information into a form. Behind the scenes, the system obtains your credit score and driving record and generates a price. This streamlines rate comparisons, but the process of having to visit many different websites and fill out multiple forms gets old quite quickly. But it’s absolutely necessary to get many rate quotes in order to get the lowest car insurance rates.

There is an easier way!

The easiest way to find lower prices requires only one form to return rates from several different companies. It’s a real time-saver, reduces the work, and makes online price comparison much more efficient. As soon as you send your information, your coverage is rated with multiple companies and you can pick your choice of the quote results.

If you find a better price you can simply submit the application and purchase coverage. It can be completed in less than 10 minutes and can result in significant savings.

To quickly find out how much you can save on car insurance, simply click here to open in new window and enter your vehicle and coverage information. If you currently have coverage, we recommend you input the coverages as close as possible to your current policy. This ensures you will get a price comparison based on identical coverages.

Tailor your coverage to you

When it comes to buying coverage, there isn’t really a perfect coverage plan. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions may help you determine if you would benefit from an agent’s advice.

  • How do I file an SR-22 for a DUI in my state?
  • Am I getting all the discounts available?
  • What is the rate difference between pleasure use and commuting?
  • Are rental cars covered under my policy?
  • Does my policy cover me when driving someone else’s vehicle?
  • When would I need additional glass coverage?
  • Does insurance cover damages from a DUI accident?

If you’re not sure about those questions but a few of them apply, you may need to chat with 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 policy coverages for a 1995 Volkswagen Passat

Understanding the coverages of a insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be ambiguous and nobody wants to actually read their policy. Below you’ll find the normal coverages offered by insurance companies.

Uninsured and underinsured coverage – Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 1995 Volkswagen Passat.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Most of the time these coverages do not exceed the liability coverage limits.

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

Collision insurance covers things like sustaining damage from a pot hole, hitting a mailbox, driving through your garage door and rolling your car. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also bump up the deductible to save money on collision insurance.

Auto liability insurance – This coverage protects you from damage or injury you incur to other people or property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like medical services, structural damage, funeral expenses, legal defense fees and loss of income. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like doctor visits, pain medications, rehabilitation expenses, prosthetic devices and chiropractic care. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Comprehensive coverages – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hitting a bird, hail damage and a tree branch falling on your vehicle. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.