1997 Volkswagen Passat Insurance Cost – 7 Ideas for Cheaper Prices

Buyers have options when searching for the lowest priced Volkswagen Passat insurance. They can either spend hours driving around to get rate comparisons or leverage the internet to find the lowest rates. There are more efficient ways to shop for auto insurance so we’re going to tell you the absolute fastest way to compare rates for your Volkswagen and get the lowest price from both online companies and local agents.

Consumers need to do rate comparisons every six months due to the fact that insurance prices are usually higher with each renewal. Even if you got the best rates for Passat insurance a couple years back a different company probably has better rate quotes today. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to the best methods to lower your rates without sacrificing coverage.

If you have a policy now or need a new policy, you can use this information to shop for the lowest rates while maintaining coverages. The purpose of this article is to teach you how to effectively get price quotes. Consumers just need to understand the most effective way to find the lowest price over the internet.

The fastest way that we advise to compare car insurance company rates is to understand all the major auto insurance companies pay for the opportunity to compare rate quotes. To begin a comparison, all you need to do is spend a couple of minutes providing details such as if the vehicle is leased, how much education you have, the year, make and model of vehicles, and whether or not you need a SR-22. The data is submitted instantly to multiple car insurance providers and you get price estimates instantly to find the best rate.

Save with these seven money-saving discounts

Not too many consumers would say car insurance is affordable, but you may find discounts that can drop the cost substantially. A few discounts will automatically apply at quote time, but a few must be requested specifically before being credited.

  • Data Collection Discounts – Policyholders that allow their car insurance company to look at their driving habits by using a telematics device in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system may get a rate reduction if they show good driving skills.
  • Driver Training Discounts – Successfully completing a course that instructs on driving safety could cut 5% off your bill if you qualify.
  • Smart Student Discounts – Excelling in school could provide a savings of up to 20% or more. The discount lasts until age 25.
  • Fewer Miles Equal More Savings – Low mileage vehicles could be rewarded with slightly better rates than normal.
  • Pay Upfront and Save – If you pay your entire premium ahead of time rather than paying in monthly installments you could save 5% or more.
  • Discounts for Multiple Vehicles – Insuring primary and secondary vehicles on one policy can get a discount on all vehicles.
  • Savings for New Vehicles – Putting coverage on a new car may earn a small discount since newer vehicles are generally safer.

Policy discounts save money, but most credits do not apply to the entire cost. Some only apply to individual premiums such as physical damage coverage or medical payments. Even though it may seem like it’s possible to get free car insurance, companies wouldn’t make money that way.

To choose car insurance companies with discount rates, follow this link.

Do I need special coverages?

When it comes to buying the right insurance coverage, there really is no one size fits all plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can help discover if you may require specific advice.

  • Do I get a pro-rated refund if I cancel my policy early?
  • What is covered by UM/UIM coverage?
  • Is my teen driver covered when they drive my company car?
  • Am I covered if I crash into my own garage door?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Should I buy additional glass protection?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form. It is quick, free and you can get the answers you need.

Car insurance 101

Understanding the coverages of insurance can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Comprehensive insurance

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as rock chips in glass, hail damage and vandalism. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for bills for things like EMT expenses, funeral costs, dental work and doctor visits. They are utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Collision insurance

This will pay to fix damage to your Passat from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as sustaining damage from a pot hole, colliding with a tree and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Auto liability

Liability insurance can cover damage or injury you incur to other people or property that is your fault. It protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims like medical expenses, attorney fees, repair costs for stationary objects, bail bonds and medical services. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Buy Smart and Save

Throughout this article, we presented many ways to save on 1997 Volkswagen Passat insurance. It’s most important to understand that the more companies you get rates for, the better your chances of lowering your rates. Consumers could even find that the best price on insurance is with the smaller companies.

Some insurance companies don’t offer the ability to get quotes online and many times these smaller companies prefer to sell through independent agents. Affordable 1997 Volkswagen Passat insurance is possible from both online companies and from local agencies, and you need to price shop both so you have a total pricing picture.

People change insurance companies for many reasons like lack of trust in their agent, policy non-renewal, questionable increases in premium and even poor customer service. It doesn’t matter why you want to switch finding a great new company can be less work than you think.

Additional insurance information can be found below:

Comments About 1997 Volkswagen Passat Insurance

  1. Liliana Rios

    What exactly does liability cover?

  2. Jena Goff

    Lots of useful info here. From north side of Boise, ID. I got free quotes with Sentry, Eastwood, 21st Century, and Auto-Owners for my 1997 Volkswagen Passat and I think I am saving around $20 each month. Have a couple speeding tickets too. Not sure if rates are cheaper online or through an agent. I’m thinking about dropping full coverage though.

  3. Reta Macias

    Nice info. I’m in the south part of Atlanta, GA. Got free quotes online for a 1997 Volkswagen Passat. Ended up at about $110 savings annually. Went with Progressive. Was with The General. I’m a pretty low risk driver. Only insure liability on my Passat.

  4. Tisa Valencia

    I went with Progressive at renewal. Best rates in Bangor, ME. Insured with Travelers before. Not sure about claim service.

  5. Ian Cervantes

    I found cheap 1997 Volkswagen Passat insurance in Warren, Michigan with State Farm.

  6. Thad Briggs

    Does GEICO insure at replacement cost?