2004 Volkswagen Passat Car Insurance Quotes – 6 Discounts for Cheapest Rates

Searching for better car insurance rates for your Volkswagen Passat? Scraping up a payment for overpriced Volkswagen Passat insurance can take a big chunk out of your bank account and put a big crunch on your finances. Comparing price quotes is free and is an excellent way to slash your bill and have more diposable income. With so many companies to choose from, it can be challenging to find the cheapest provider.

How to Lower Your Insurance Cost

Most companies such as Geico, State Farm and Progressive quote pricing on the web. The process is pretty easy as you just enter your personal and coverage information into the quote form. Behind the scenes, the system gets your credit score and driving record and returns a price. Being able to quote online makes comparing rates easy, but the process of having to visit different websites and complete many quote forms is not the best way to spend an afternoon. Unfortunately, it is important to get many rate quotes if you are searching for lower prices.

Rate comparisons made easy

The preferred way to find better insurance pricing uses one simple form that analyzes rates from multiple companies. It’s a real time-saver, helps eliminate reptitive entry, and makes online price comparison much more efficient. As soon as you send your information, it gets priced and you can choose any of the quotes returned. If a lower price is quoted, you can click and sign and buy the new coverage. This process just takes a couple of minutes and you will know how your current rates stack up.

To fill out one form to compare multiple rates now, click here to open in new window and complete the simple form. If you have your current policy handy, we recommend that you enter the insurance coverages as close as possible to your current policy. Doing this assures you will receive comparison quotes for exact coverage.

When should I talk to an agent?

When it comes to choosing coverage for your personal vehicles, there really is not a best way to insure your cars. Every situation is different and your policy should reflect that. For example, these questions may help highlight whether you could use an agent’s help.

  • Do I need replacement cost coverage?
  • Does coverage extend to a rental car in a foreign country?
  • Does my personal policy cover me when driving out-of-state?
  • Should I buy more coverage than the required minimum liability coverage?
  • Should I bundle my homeowners policy with my auto?
  • Can my teen driver be rated on a liability-only vehicle?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Specifics of your insurance policy

Understanding the coverages of your insurance policy can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are the normal coverages available from insurance companies.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Volkswagen Passat.

Since 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 important protection for you and your family.

Collision coverages – Collision insurance pays for damage to your Passat resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like colliding with another moving vehicle, scraping a guard rail, rolling your car, driving through your garage door and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Insurance for medical payments – Coverage for medical payments and/or PIP reimburse you for bills such as pain medications, dental work, X-ray expenses and nursing services. They are used in conjunction with a health insurance program or if you do not have health coverage. It covers all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision) – This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as theft, damage from a tornado or hurricane, damage from getting keyed, damage from flooding and fire damage. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability coverages – This provides protection from damages or injuries you inflict on a person or their property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things such as bail bonds, repair costs for stationary objects, attorney fees, medical expenses and pain and suffering. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.