Cheap 1996 Volkswagen Passat Car Insurance Rates

Are you sick and tired of robbing Peter to pay Paul to insure your Volkswagen every month? Your situation is no different than many other drivers.

You have multiple insurers to choose from, and although it’s nice to have a selection, having more insurers makes it harder to compare rates.

Consumers need to do rate comparisons periodically because prices fluctuate regularly. Just because you found the best deal on Passat insurance six months ago you may be paying too much now. Ignore everything you know about insurance coverage because I’m going to let you in on the secrets to the best methods to find the best coverage while lowering your premiums.

Finding affordable coverage is not that difficult. If you have car insurance now, you should be able to save some money using this strategy. Nevertheless, consumers can benefit from knowing the way companies market on the web.

How to Compare Insurance Coverage Costs

There are a variety of methods to shop for 1996 Volkswagen Passat insurance coverage, but some are easier and takes less work. You can waste hours talking about coverages with local insurance agents in your area, or you could use the internet for quick rates.

Many companies participate in a marketplace that enables customers to enter their policy data once, and each company returns a rated price based on the submitted data. This prevents consumers from doing repetitive form submissions to each company.

To access this free quoting program, click here to open in new window.

The only downside to getting quotes like this is you are unable to specify which providers you want to price. If you wish to select individual companies to receive pricing from, we have a page of companies who write insurance coverage in your area. Click here to view list.

It doesn’t matter which method you choose, just double check that you are using identical coverage limits with each company. If your comparisons have different liability limits it’s impossible to determine the best price for your Volkswagen Passat. Just a small difference in limits can make a big difference in price. And when quoting insurance coverage, remember that more quotes will improve the odds of getting a better price.

How much can you save with discounts?

Auto insurance companies don’t necessarily list all available discounts in a way that’s easy to find, so the following is a list of both well-publicized and the more hidden insurance coverage savings.

  • Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class if offered at their school.
  • Senior Citizens – Mature drivers may be able to get reduced rates on Passat insurance.
  • Memberships – Affiliation with a civic or occupational organization could trigger savings on your policy on Passat insurance.
  • Early Signing – Some insurance companies reward drivers for signing up prior to your current policy expiring. This can save 10% or more.
  • Federal Government Employee – Simply working for the federal government may qualify you for a discount on Passat insurance with a few insurance coverage companies.
  • Auto/Home Discount – If you have multiple policies with one insurance company you may earn 10% to 20% off each policy.
  • Save with a New Car – Adding a new car to your policy is cheaper since new cars are generally safer.
  • Theft Prevention System – Vehicles with anti-theft systems can help prevent theft and earn discounts up to 10%.

Keep in mind that most discount credits are not given to the overall cost of the policy. The majority will only reduce specific coverage prices like medical payments or collision. So when the math indicates you can get free auto insurance, you’re out of luck.

Car insurance companies that may have these money-saving discounts are:

Check with every prospective company which discounts you may be entitled to. All car insurance discounts might not be offered everywhere.

Some factors that can determine what Volkswagen Passat insurance costs

Consumers need to have an understanding of some of the elements that play a part in calculating your car insurance rates. Knowing what influences your rates empowers consumers to make smart changes that could result in lower car insurance prices.

Shown below are some of the factors used by your company to calculate premiums.

  • Multiple policies with one company can save – Some insurance companies give discounts to insureds who buy several policies from them, otherwise known as a multi-policy discount. Even with this discount, it’s in your best interest to comparison shop to verify if the discount is saving money. Drivers may still find a better deal by splitting coverages up.
  • Careful drivers pay lower rates – Even one citation can increase rates by as much as thirty percent. Good drivers have lower premiums than bad drivers. If you have serious violations like DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 or proof of financial responsibility with their state DMV in order to continue driving.
  • Men pay higher rates – Statistics show women tend to be less risk to insure than men. Now that doesn’t mean women are BETTER drivers than men. They both tend to get into accidents at a similar rate, but the males tend to have more serious accidents. They also have more aggressive citations like DUI and reckless driving.
  • Marriage brings a discount – Having a spouse can actually save you money on your car insurance policy. Having a significant other translates into being more responsible it has been statistically shown that drivers who are married are more cautious.
  • Your credit rating is important – A driver’s credit history is a large factor in determining your rates. So if your credit history is not that good, you could be paying less to insure your 1996 Volkswagen Passat by improving your rating. Consumers who have excellent credit tend to be less risk to insure than drivers with lower credit scores.
  • Teen drivers pay high rates – Young drivers tend to be more careless when driving so car insurance rates are higher. Having to add a youthful driver to your car insurance policy can be quite pricey. More mature drivers are viewed as being more responsible, file fewer claims and get fewer tickets.

How much car insurance do I need?

When buying adequate coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s situation is unique so this has to be addressed. For example, these questions might help in determining whether your personal situation would benefit from an agent’s advice.

  • Does insurance cover tools stolen from my truck?
  • When do I need to add a new car to my policy?
  • Am I covered when delivering products for my home-based business?
  • Do I need added coverage for expensive stereo equipment?
  • Can I rate high risk drivers on liability-only vehicles?
  • Why do I only qualify for high-risk insurance?
  • What is the rate difference between pleasure use and commuting?
  • Is business property covered if stolen from my car?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area.

Auto insurance coverages

Learning about specific coverages of a insurance policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on most insurance policies.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for ambulance fees, hospital visits, EMT expenses, chiropractic care and X-ray expenses. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Liability coverage – Liability coverage provides protection from damage that occurs to other’s property or people in an accident. It protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things like funeral expenses, medical services, legal defense fees, repair bills for other people’s vehicles and court costs. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Volkswagen Passat.

Because many people have only the minimum liability required by law, 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.

Comprehensive coverages – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like fire damage, falling objects, damage from flooding and vandalism. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage – Collision insurance will pay to fix damage to your Passat caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as sideswiping another vehicle, backing into a parked car and driving through your garage door. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Be Smart and Buy Smart

Budget-conscious 1996 Volkswagen Passat insurance is definitely available from both online companies and also from your neighborhood agents, so compare prices from both in order to have the best chance of saving money. Some insurance companies may not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

While you’re price shopping online, make sure you don’t buy lower coverage limits just to save a few bucks. There are too many instances where an insured cut collision coverage only to regret they didn’t purchase enough coverage. Your strategy should be to purchase plenty of coverage for the lowest price while still protecting your assets.

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