Lower Your 1995 Volkswagen Passat Car Insurance Rates

Trying to find the cheapest car insurance rates for your Volkswagen Passat? Are you irritated from sacrificing other expenses each month for car insurance? You have the same problem as the majority of other consumers. There are many insurers to buy insurance from, and although it’s a good thing to have a selection, lots of choices makes it harder to find the lowest rates.

Consumers need to compare premium rates once or twice a year since insurance rates are variable and change quite frequently. Just because you found the lowest premium rates on Passat insurance a few years ago there may be better deals available now. Ignore everything you know about car insurance because we’re going to demonstrate how to use the internet to find the best coverage while lowering your premiums.

Do you qualify for discount car insurance?

Some insurers don’t always advertise every discount they offer in an easy-to-find place, so the list below gives a summary of both the well known and the more hidden discounts that may be available.

• Distant Student Discount – Youth drivers who attend college more than 100 miles from home and don’t have a car could get you a discount.
• Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them take driver’s ed class in school or through a local driver safety program.
• Homeowners Discount – Being a homeowner can earn you a little savings due to the fact that maintaining a home requires personal responsibility.
• Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. This discount can apply up until you turn 25.
• One Accident Forgiven – Not a discount per se, but a handful of insurance companies permit an accident without the usual rate increase if you have no claims for a particular time prior to the accident.
• Discount for Low Mileage – Driving fewer miles may enable drivers to earn lower rates due to less chance of an accident.

Remember that most discount credits are not given to the entire policy premium. Some only reduce individual premiums such as physical damage coverage or medical payments. Even though the math looks like having all the discounts means you get insurance for free, nobody gets a free ride.

Larger car insurance companies and a summarized list of policyholder discounts can be read below.

• Geico offers premium reductions for defensive driver, driver training, five-year accident-free, seat belt use, and multi-policy.
• Travelers offers discounts including multi-car, multi-policy, new car, hybrid/electric vehicle, continuous insurance, payment discounts, and save driver.
• Nationwide may have discounts that include anti-theft, Farm Bureau membership, accident-free, good student, and business or organization.
• Farmers Insurance has savings for business and professional, alternative fuel, teen driver, distant student, and early shopping.
• Esurance includes discounts for good driver, Pac-12 alumni, multi-car, Switch & Save, and claim free.
• State Farm discounts include defensive driving training, driver’s education, good student, safe vehicle, passive restraint, Steer Clear safe driver discount, and multiple autos.
• Progressive policyholders can earn discounts including online signing, good student, homeowner, multi-vehicle, and multi-policy.
• Mercury Insurance may offer discounts for multi-car, good driver, ease of repair, anti-theft, multi-policy, and accident-free.

If you are trying to find cheap auto insurance quotes, ask every prospective company how many discounts you can get. All car insurance discounts may not be offered in your area. To see insurance companies offering car insurance discounts, follow this link.

Low cost insurance prices

Lowering your 1995 Volkswagen Passat insurance rates is actually easier than you may think. All that’s required is to take the time getting comparison quotes to find the company with affordable auto insurance quotes. Rate comparisons can be done by using one of the methods below.

1. If you are pressed for time, the simplest way to get the best comparison quotes would be an industry-wide quote request form click here to open form in new window. This easy form saves time by eliminating separate quotation requests for each price estimate. One simple form will return price quotes from multiple companies.
2. A more difficult way to obtain and compare quotes online requires you to visit each individual company website to complete their respective quote request forms. For sake of this example, we’ll pretend you want to compare prices for USAA, 21st Century and American Family. In order to get each rate, you would have to take the time to go to each site to input your insurance information, which explains why we recommend starting with the first method.

   For a handy list of car insurance company links in your area, click here.

You can use whichever method you prefer to find lower rates, just be sure to compare identical information for each price quote. If you have unequal deductibles or liability limits it will be very difficult to make a fair rate comparison.

What insurance coverages do I need?

When it comes to choosing coverage, there really is not a best way to insure your cars. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that may help highlight whether or not you might need professional guidance.

• Is my babysitter covered when using my vehicle?
• Does coverage extend to a rental car in a foreign country?
• Am I covered when driving someone else’s vehicle?
• When can my company non-renew my policy?
• Why do I only qualify for high-risk insurance?
• What can I do if my company denied a claim?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Insurance policy coverages for a 1995 Volkswagen Passat

Understanding the coverages of insurance aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverages offered by insurance companies.

Comprehensive coverages – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like rock chips in glass, falling objects and hitting a deer. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability – Liability insurance provides protection from injuries or damage you cause to people or other property. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims such as bail bonds, pain and suffering, attorney fees and funeral expenses. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Collision coverage – This pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like rolling your car, scraping a guard rail, damaging your car on a curb, sideswiping another vehicle and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.

Uninsured and underinsured coverage – This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as damage to your Volkswagen Passat.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like X-ray expenses, funeral costs, hospital visits, chiropractic care and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Never pay more for less

As you restructure your insurance plan, it’s a bad idea to buy less coverage just to save a little money. In many instances, consumers will sacrifice physical damage coverage only to discover later they didn’t purchase enough coverage. Your goal is to buy the best coverage you can find at the best cost, but don’t skip important coverages to save money.

We just presented a lot of tips how to save on 1995 Volkswagen Passat insurance. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. Drivers may discover the lowest prices are with some of the smallest insurance companies. These smaller insurers may often insure only within specific states and give getter rates compared to the large companies like Allstate, Geico and Progressive.

More tips and info about auto insurance can be read in the articles below:

• Safety Belts FAQ (iihs.org)
• Teen Driving and Texting (State Farm)
• What is Full Coverage? (Allstate)
• Medical Payments Coverage (Liberty Mutual)
• Steps to Take After an Auto Accident (Insurance Information Insitute)