1993 Volkswagen Passat Car Insurance Rates – 6 Policy Discounts

Are you intimidated by the wide range of insurance choices? Many other drivers are as well. People have so many companies to choose from that it can turn into a lot of work to find lower rates.

It’s a great practice to do rate comparisons periodically due to the fact that insurance rates change quite often. If you had the best deal on Passat insurance six months ago you can probably find a lower rate today. Forget all the misinformation about insurance because you’re about to learn the tricks you need to know to reduce your cost while improving coverage.

If you have car insurance now, you stand a good chance to be able to save some money using these methods. Shopping for the cheapest car insurance coverage is not that difficult. But vehicle owners benefit from understanding the way companies market on the web because it can help you find the best coverage.

How much can you save with these six discounts?

Companies offering auto insurance don’t always publicize all available discounts very well, so we took the time to find some of the more common as well as the least known discounts you could be receiving.

  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.
  • Driver’s Ed – Require your teen driver to successfully complete driver’s ed class in school.
  • Organization Discounts – Belonging to certain professional organizations is a good way to get lower rates on your policy on Passat insurance.
  • Accident Free – Claim-free drivers pay much less compared to drivers who are more careless.
  • Homeowners Pay Less – Simply owning a home can help you save on insurance because owning a home shows financial diligence.
  • Safety Course Discount – Completing a driver safety course can save you 5% or more depending on where you live.

Keep in mind that most discount credits are not given to the overall cost of the policy. Some only apply to the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears all the discounts add up to a free policy, it just doesn’t work that way.

For a list of companies with the best insurance discounts, click here.

Don’t believe everything you hear

Progressive, GEICO, Allstate and State Farm constantly bombard you with ads on TV and radio. All the companies say the same thing that you’ll save big if you switch to their company. How do they all make almost identical claims? This is how they do it.

All the different companies have a certain “appetite” for the type of customer they prefer to insure. For instance, a desirable insured could possibly be between the ages of 40 and 55, a clean driving record, and has a high credit rating. A driver who matches those parameters receives the best rates and as a result will probably save when they switch companies.

Drivers who fall outside the “perfect” profile will be charged a more expensive rate which usually ends up with business going elsewhere. The ads state “customers that switch” not “everyone that quotes” save money. That’s the way companies can truthfully make the claims of big savings. That is why you should get as many quotes as possible. It’s impossible to know which company will give you the biggest savings on Volkswagen Passat insurance.

How much car insurance do I need?

When choosing adequate coverage, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might help in determining whether or not you may require specific advice.

  • If my pet gets injured in an accident are they covered?
  • What exactly is covered by my policy?
  • What should my uninsured motorist coverage limits be in my state?
  • Do I have any recourse if my insurance company denies a claim?
  • Do I need rental car coverage?
  • Does having multiple vehicles earn me a discount?
  • Which is better, split liability limits or combined limits?
  • Do I pay less for low miles?

If you’re not sure about those questions, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form.

Insurance coverage specifics

Knowing the specifics of a insurance policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring.

Comprehensive coverage – This coverage covers 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 things such as damage from getting keyed, hitting a bird, vandalism, falling objects and fire damage. The maximum amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Volkswagen Passat.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision – This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like hitting a mailbox, sustaining damage from a pot hole, damaging your car on a curb, colliding with a tree and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for doctor visits, nursing services, X-ray expenses, funeral costs and pain medications. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Liability – This coverage provides protection from damage that occurs to people or other property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers things like loss of income, funeral expenses and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

The best insurance company isn’t always the cheapest

As you restructure your insurance plan, you should never reduce coverage to reduce premium. There have been many situations where an insured dropped liability limits or collision coverage and discovered at claim time that it was a big error on their part. Your aim should be to buy a smart amount of coverage at the best price.

Cheaper 1993 Volkswagen Passat insurance can be sourced from both online companies as well as from independent agents, so compare prices from both to have the best rate selection. Some insurance companies don’t offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

Insureds switch companies for any number of reasons including not issuing a premium refund, high prices, delays in responding to claim requests and even lack of trust in their agent. No matter why you want to switch, finding a new company is easier than you think.

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