Cheap 1996 Volkswagen Passat Car Insurance Quotes

Shopping for the cheapest insurance online is difficult for beginners to comparing rates online. Because there are so many choices, how can drivers even start to compare them all to find the best pricing?

It’s a good idea to get comparison quotes before your policy renews because insurance rates change frequently. Despite the fact that you may have had the lowest price for Passat insurance six months ago you can probably find a lower rate today. Starting right now, ignore everything you know about insurance because you’re going to learn the right way to save on insurance.

Discounts are basically free money

Car insurance can cost a lot, but you can get discounts that can drop the cost substantially. Some trigger automatically when you quote, but a few need to be specially asked for before you get the savings.

  • Good Student – This discount can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Safe Driver Discount – Insureds without accidents can get discounts for up to 45% lower rates for Passat insurance than drivers with accidents.
  • Military Rewards – Having a deployed family member could be rewarded with lower premiums.
  • Passive Restraints – Factory air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Drivers Ed for Students – Cut your cost by having your teen driver successfully complete driver’s ed class if offered at their school.

It’s important to understand that many deductions do not apply to your bottom line cost. Most cut specific coverage prices like medical payments or collision. Just because you may think you would end up receiving a 100% discount, auto insurance companies aren’t that generous. Any amount of discount will reduce your overall premium however.

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

Compare the Market for Car Insurance

There are several ways of comparing rates from different insurance companies. The best method to find competitive 1996 Volkswagen Passat insurance rates is to get quotes online. This is very easy and can be done in several different ways.

  • The first (and easiest) way to get quotes for comparison is an all-inclusive rate comparison click to view form in new window. This method eliminates the need for a different quote for every car insurance company. Taking the time to complete one form will get you rate comparisons from many national carriers.It’s the quickest way to get rates.
  • A more difficult way to compare rate quotes requires a visit to each company website and request a quote. For example, let’s assume you want rates from Liberty Mutual, Esurance and Allstate. To get each rate you have to visit each site to enter your coverage information, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.

It’s your choice how you get your quotes, but ensure you’re using apples-to-apples information for each price quote. If you have different values for each quote it’s impossible to determine the best price for your Volkswagen Passat. Slightly different insurance coverages can make a big difference in price. Just remember that quoting more helps you find a better price.

Which insurance is the “right” coverage?

When it comes to choosing the right insurance coverage, there is no perfect coverage plan. Everyone’s needs are different.

For instance, these questions can aid in determining if your insurance needs might need professional guidance.

  • Does insurance cover damages from a DUI accident?
  • Is my dog or cat covered if injured in an accident?
  • Does coverage extend to a rental car in a foreign country?
  • Should I bundle my homeowners policy with my auto?
  • Am I covered if I break a side mirror?
  • Can I afford low physical damage deductibles?
  • Is my nanny covered when driving my vehicle?
  • Do I have coverage for damage caused while driving under the influence?
  • Does coverage extend to Mexico or Canada?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Auto insurance coverages

Understanding the coverages of insurance can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Liability coverage

This provides protection from damages or injuries you inflict on a person or their property. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability can pay for things such as pain and suffering, funeral expenses, medical services and bail bonds. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as fire damage, hail damage, a tree branch falling on your vehicle and theft. The most a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Volkswagen Passat.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Normally the UM/UIM limits are similar to your liability insurance amounts.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as hitting a mailbox, colliding with a tree and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for bills for things like EMT expenses, funeral costs and doctor visits. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Make an honest buck

Throughout this article, we presented many ideas to save on 1996 Volkswagen Passat insurance. The most important thing to understand is the more companies you get rates for, the higher your chance of finding lower rates. Consumers could even find that the biggest savings come from a small local company.

Consumers change insurance companies for a number of reasons such as high rates after DUI convictions, delays in paying claims, delays in responding to claim requests or lack of trust in their agent. It doesn’t matter what your reason, finding a great new company can be pretty painless.

Discount insurance can be purchased from both online companies in addition to many insurance agents, so compare prices from both so you have a total pricing picture. Some companies do not provide the ability to get a quote online and these smaller companies work with independent agents.

Helpful articles