1993 Volkswagen Passat Insurance Quotes – 6 Ways to Save

Are you tired of sacrificing other expenses to pay insurance coverage each month? You have the same problem as many other vehicle owners. Numerous insurers battle for your insurance dollar, so it can be very hard to choose a insurer to find the absolute best rate

Consumers need to quote other rates periodically because prices are usually higher with each renewal. Even if you got the best deal for Passat insurance two years ago other companies may now be cheaper. You can find a lot of wrong information about insurance coverage on the internet, but you can learn some of the best ways to buy insurance coverage cheaper.

If you have insurance now or are looking for a new policy, you can use these tips to cut your premiums while maintaining coverages. Finding affordable coverage is not that difficult. Drivers just need to learn the best way to compare company rates on the web.

Double check you’re getting these six premium-slashing discounts

Companies do not advertise their entire list of discounts very well, so the list below details a few of the more common and also the lesser-known ways to save on car insurance. If you aren’t receiving every discount available, you’re paying more than you need to.

• More Vehicles More Savings – Drivers who insure all your vehicles with the same car insurance company can reduce rates for all insured vehicles.
• Bundled Policy Discount – If you can bundle your auto and home insurance with the same company you will save up to 20% and get you inexpensive insurance.
• Discount for Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems could see savings up to 30%.
• Government Employees – Being employed by or retired from a federal job may qualify for a discount when you quote insurance for Passat insurance with certain companies.
• Distant Student Discount – Youth drivers living away from home attending college and leave their car at home may be able to be covered for less.
• Theft Deterent – Cars with anti-theft systems are less likely to be stolen and will qualify for a discount on a insurance quote.

Just know that some of the credits will not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. If you do the math and it seems like you can get free auto insurance, car insurance companies aren’t that generous.

A list of companies and some of their more popular discounts can be read below.

• 21st Century offers discounts for homeowners, good student, 55 and older, student driver, automatic seat belts, and defensive driver.
• State Farm has discounts for passive restraint, multiple autos, defensive driving training, good student, and accident-free.
• AAA has savings for anti-theft, good driver, AAA membership discount, pay-in-full, multi-policy, and multi-car.
• Liberty Mutual offers discounts including multi-car, new vehicle discount, new move discount, newly married, new graduate, safety features, and preferred payment discount.
• Progressive includes discounts for continuous coverage, multi-vehicle, online signing, online quote discount, and good student.

Before buying, ask all the companies how many discounts you can get. Some credits might not be available to policyholders in your area. To locate car insurance companies who offer cheap car insurance quotes, click here.

How to compare insurance rate quotes

All the larger insurance companies like Allstate, Geico and Progressive make it easy to get price estimates online. Getting online quotes is fairly straightforward as all you need to do is type in the coverage amounts you desire as detailed in the form. After the form is submitted, the company’s rating system makes automated requests for your credit score and driving record and provides a quote based on the data you entered. Being able to quote online makes it easy to compare insurance prices but the process of having to visit each company’s website and repetitively complete many quote forms can be a bit repetitive. But it is imperative to do this in order to get the lowest price.

There is a better way to compare rates

A quicker way to compare insurance pricing uses just one form that gets price quotes from many companies. It saves time, eliminates form submissions, and makes quoting online much more enjoyable and efficient. Immediately after you send the form, it gets priced and you can choose any of the resulting price quotes.

If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. This process only takes a few minutes and you’ll know if lower rates are available.

To compare rates using this form now, click here to open in new window and submit your coverage information. If you currently have coverage, we recommend you type in the insurance coverages as shown on your current policy. This makes sure you are getting a fair comparison based on identical coverages.

Do I need special coverages?

When choosing the best insurance coverage coverage, there really is no cookie cutter policy. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine if you would benefit from professional advice.

• Do I have newly-aquired coverage?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• How much liability insurance is required?
• Should I sign the liability waiver when renting a car?
• Is my nanny covered when driving my vehicle?
• Do I need rental car coverage?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

The ad said I’d save $477 a year!

Consumers can’t avoid all the ads for cheaper insurance by Allstate, Geico and Progressive. They all seem to try to convey promises that you’ll save big just by moving to them.

How does every insurance company save you money? It’s all in the words they use.

Insurance companies have an ideal profile for the type of driver that will be a good risk. A good example of a profitable risk profile should be over age 30, has no driving citations, and has great credit. Anyone who meets those qualifications receive the lowest rate quotes and will save money with a new company.

Potential insureds who are not a match for the ideal profile must pay higher rates which translates to business not being written. The ads state “drivers who switch” but not “everyone who gets a quote” save that much money. This is how companies can truthfully make claims that they all have the best prices.

Different companies use different criteria so you need to do a rate comparison at every renewal. It is impossible to predict which insurance companies will have the best premium rates for your profile.

Educate yourself about insurance coverages

Learning about specific coverages of insurance can be of help when determining the right coverages and proper limits and deductibles. Insurance terms can be confusing and nobody wants to actually read their policy. Listed below are the usual coverages found on the average insurance policy.

Auto liability insurance – Liability coverage will cover damage or injury you incur to other people or property by causing an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Another option is a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for claims such as attorney fees, repair bills for other people’s vehicles, court costs, medical expenses and bail bonds. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as surgery, funeral costs, EMT expenses and X-ray expenses. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverage – Collision insurance pays for damage to your Passat from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like scraping a guard rail, rolling your car, sustaining damage from a pot hole, damaging your car on a curb and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also raise the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Most of the time these limits do not exceed the liability coverage limits.

Comprehensive auto coverage – This pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hitting a deer, hitting a bird, fire damage, a tree branch falling on your vehicle and a broken windshield. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Saving money is sweet as honey

In this article, we covered many ideas to save on 1993 Volkswagen Passat insurance. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding inexpensive insurance. You may be surprised to find that the lowest auto insurance rates are with a small mutual company. They may have significantly lower premium rates on certain market segments as compared to the big name companies such as State Farm, Geico and Nationwide.

When buying insurance coverage, you should never reduce coverage to reduce premium. In many cases, someone dropped physical damage coverage only to regret that a couple dollars of savings turned into a financial nightmare. The aim is to purchase plenty of coverage at the best price, but do not skimp to save money.

Helpful learning opportunities

• A Tree Fell on Your Car: Now What? (Allstate)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Tread Depth and Tire Safety (State Farm)
• Auto Insurance Learning Center (State Farm)
• Understanding Car Crashes Video (iihs.org)
• Think You’re a Safe Driver? (State Farm)