1994 Volkswagen Passat Insurance Cost – 5 Savings Tips

Searching for cheaper car insurance rates for your Volkswagen Passat? No one likes having to buy car insurance, in particular when their premiums are through the roof. Big-name insurance companies like Allstate, Progressive and GEICO promote their brand names with TV and radio ads and consumers find it hard to see past the corporate glitz and do the work needed to find the best deal.

The quickest method to compare rates takes advantage of the fact most insurance companies will pay a fee to give you rate quotes. To begin a comparison, all you need to do is provide information such as distance driven, your credit rating estimate, how old drivers are, and whether your vehicle is owned or leased. The data is instantly submitted to multiple top-rated companies and they provide comparison quotes immediately.

To compare multiple company rates now, click here and complete the form.

Take these five discounts and save

Car insurance is not cheap, but you can get discounts that you may not even be aware of. Certain discounts will be triggered automatically when you purchase, but a few need to be requested specifically prior to getting the savings. If you don’t get every credit available, you’re just leaving money on the table.

  • Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
  • Military Rewards – Having a family member in the military may qualify for rate reductions.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off the personal injury premium cost.
  • Anti-theft System – Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
  • Paperwork-free – Some insurance companies will discount your bill up to fifty bucks for buying your policy over the internet.

Drivers should understand that some of the credits will not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, you won’t be that lucky. But any discount will reduce the amount you have to pay.

Insurance companies that may have some of the above discounts include:

Check with each insurance company which discounts they offer. All car insurance discounts might not be offered in your area.

Which policy gives me the best coverage?

When it comes to choosing the best insurance coverage, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that might point out whether or not you might need professional guidance.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • What if I total my 1994 Volkswagen Passat and owe more than it’s worth?
  • Does coverage extend to a rental car in a foreign country?
  • How many claims can I have before being cancelled?
  • Should I get collision insurance on every vehicle?
  • Should I have a commercial auto policy?
  • How do I insure my teen driver?
  • Are rock chip repairs covered?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Does coverage extend to my business vehicle?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Auto insurance coverages

Knowing the specifics of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverages available from car insurance companies.

Collision protection

This pays for damage to your Passat from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like scraping a guard rail, crashing into a building and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Volkswagen Passat.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for bills like pain medications, rehabilitation expenses, dental work, funeral costs and EMT expenses. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from flooding, damage from getting keyed, falling objects and a broken windshield. The maximum payout your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability auto insurance

This protects you from injuries or damage you cause to people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as funeral expenses, attorney fees, structural damage, loss of income and medical expenses. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Do the work, save more money

You just read some good ideas how to reduce 1994 Volkswagen Passat insurance prices online. The key concept to understand is the more price quotes you have, the better likelihood of reducing your rate. You may even find the lowest priced insurance comes from a lesser-known regional company. These companies may have significantly lower rates on certain market segments than their larger competitors like State Farm, GEICO and Nationwide.

Cheaper insurance can be bought both online and also from your neighborhood agents, and you should be comparing both to have the best selection. Some insurance providers may not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

As you go through the steps to switch your coverage, never skimp on critical coverages to save a buck or two. In many instances, drivers have reduced uninsured motorist or liability limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to get the best coverage possible at a price you can afford.

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