Cheap 1998 Volkswagen Passat Insurance Quotes

Searching for low-cost insurance for a Volkswagen Passat can turn out to be a lot of work, but you can learn these tips and make it easy.

There are more efficient ways to shop for insurance coverage so we’re going to tell you the absolute fastest way to compare rates for a Volkswagen and obtain the best price possible from both online companies and local agents.

If you are insured now or need a new policy, you can learn to get lower rates while maintaining coverages. Buying affordable insurance is not that difficult. Vehicle owners just need to understand the most effective way to shop for insurance on the web.

Find discounts on insurance coverage

Companies that sell car insurance don’t always publicize their entire list of discounts very well, so the following list contains both the well known and also the lesser-known discounts that you can inquire about if you buy auto insurance online.

• Anti-theft System – Cars equipped with tracking devices and advanced anti-theft systems can help prevent theft so companies will give you a small discount.
• Paper-free Discount – A few insurance coverage companies will give you a small discount for signing up on their website.
• College Student Discount – Any of your kids who are enrolled in a college that is more than 100 miles from home and don’t have a car could qualify for this discount.
• Government Employees – Simply working for the federal government could provide a small rate reduction for Passat coverage but check with your company.
• Claim-Free Discount – Drivers who stay claim-free can earn big discounts in comparison to insureds who have frequent claims or accidents.
• No Charge for an Accident – but some insurance companies will allow you to have one accident without raising rates if your claims history is clear for a particular time prior to the accident.
• Seat Belt Usage – Drivers who always wear seat belts and also require passengers to wear their seat belts can save a little off the medical payments premium.
• Savings for New Vehicles – Buying a new car instead of a used car can save up to 30% since new model year vehicles are generally safer.

Drivers should understand that most discount credits are not given to all coverage premiums. Some only reduce specific coverage prices like comprehensive or collision. Even though it may seem like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

Some companies that have some of the above discounts include:

• State Farm
• Geico
• Allstate
• SAFECO
• Farm Bureau
• Progressive
• AAA

If you need low cost auto insurance quotes, ask every insurance company which discounts you qualify for. Some of the earlier mentioned discounts may not be available in your area. To view insurance coverage companies with discount rates, click here.

Components of your Volkswagen Passat insurance costs

Many things are used in the calculation when pricing auto insurance. Most are fairly basic such as your driving history, but some are not as apparent like your vehicle usage or your vehicle rating.A large part of saving on insurance coverage is knowing a few of the rating criteria that are used to determine the rates you pay for insurance coverage. If you understand what controls the rates you pay, this allows you to make good choices that may result in cheaper rates.

• Are you male or female? – Over the last 30 years, statistics show that men are more aggressive behind the wheel. The data does not necessarily mean that women are better drivers. They both are responsible for accidents in similar numbers, but the men get into accidents with more damage. Men also statistically get cited for more serious violations such as reckless driving.
• Traffic violations mean higher rates – Careful drivers get better prices compared to drivers with tickets. Only having one moving violation can bump up the cost substantially. Drivers who have dangerous tickets such as reckless driving or DUI may need to file a SR-22 with their state in order to continue driving.
• Marriage is a good thing – Your spouse may save some money compared to being single. Having a significant other means you’re more mature and responsible and it’s proven that drivers who are married file infrequent claims.
• Drive lots and pay more – The more miles you rack up on your Volkswagen in a year the more it will cost to insure it. A lot of companies rate vehicles based on how the vehicle is used. Cars and trucks that are left in the garage receive lower rates than vehicles that have high annual mileage. Ask your agent if your insurance coverage declarations sheet is showing how each vehicle is driven, because it can save money. An incorrectly rated Passat can cost quite a bit.
• Can a thief steal your car? – Owning a car with an alarm system can help bring down rates. Theft prevention devices such as OnStar, LoJack tracking, and tamper alarms can thwart car theft and help bring rates down.
• Prices are affected by your address – Having an address in small towns and rural areas has definite advantages when insuring your vehicles. Urban drivers regularly have more road rage incidents and more severe claims. Fewer drivers and short commutes means less chance of accidents in addition to fewer liability claims.
• Your job can affect rates – Did you know your insurance coverage rates can be affected by your occupation? Jobs like real estate brokersair traffic controllers and miners generally pay higher premiums than the average policyholder in part from stressful work requirements and lots of time spent at work. Other careers such as scientists, students and homemakers pay the least for Passat coverage.
• lapses raise rates – Going without insurance is a guaranteed way to increase your insurance coverage rates. And not only will insurance be more expensive, the inability to provide proof of insurance may earn you a steep fine or even jail time.

Tailor your car insurance coverage to you

When it comes to buying proper insurance coverage, there is no single plan that fits everyone. Everyone’s needs are different.

For instance, these questions can aid in determining if you will benefit from professional help.

• At what point should I drop full coverage?
• Do I need medical payments coverage since I have good health insurance?
• Do I need roadside assistance coverage?
• Do I need rental car coverage?
• Is motorclub coverage worth it?
• Am I covered if I break a side mirror?
• Does my policy cover me when driving someone else’s vehicle?
• Am I covered if I drive in a foreign country?
• Is my 1998 Volkswagen Passat covered for flood damage?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Save $420 a year! What?

Drivers can’t avoid all the ads for the lowest price car insurance by State Farm and Allstate. All the ads seem to make the promise about saving some big amount if you move your policy.

It sounds good, but how can they all lower your premium rates? This is how they do it.

All companies look for specific characteristics for the type of driver that earns them the most money. For instance, a profitable risk profile may need to be married and over the age of 30, is a homeowner, and drives a lower-performance vehicle. Any customer who fits those characteristics will get a cheap rate quote and as a result will probably save quite a bit of money when switching.

Insureds who do not meet those criteria will probably be forced to pay higher rates which translates to the customer buying from a different company. If you pay attention, the ads say “drivers who switch” but not “all drivers who get quotes” save the amount stated. This is how companies can truthfully advertise the way they do.

Different companies use different criteria so it is so important to compare many company’s auto insurance rates. Because you never know with any certainty which company will provide you with the cheapest rates.

Insurance policy specifics

Understanding the coverages of a insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Comprehensive (Other than Collision)

This covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from flooding, damage from getting keyed, a tree branch falling on your vehicle and hitting a deer. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage

This coverage covers damage to your Passat from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as crashing into a building, sideswiping another vehicle and rolling your car. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

Liability car insurance

Liability insurance will cover damage or injury you incur to other people or property by causing an accident. It protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as repair costs for stationary objects, attorney fees and medical services. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like funeral costs, prosthetic devices, dental work and rehabilitation expenses. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family and also any damage incurred to your 1998 Volkswagen Passat.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Frequently these limits are set the same as your liablity limits.

Shop around and save

Cheaper 1998 Volkswagen Passat insurance is definitely available online and with local insurance agents, and you should compare rates from both in order to have the best chance of saving money. Some companies may not offer online price quotes and these small insurance companies work with independent insurance agents.

When getting auto insurance quotes online, it’s a bad idea to sacrifice coverage to reduce premiums. There are too many instances where consumers will sacrifice collision coverage and learned later that the small savings ended up costing them much more. Your objective should be to buy the best coverage you can find for the lowest price while still protecting your assets.

Throughout this article, we presented many ideas to shop for 1998 Volkswagen Passat insurance online. The key thing to remember is the more price quotes you have, the better likelihood of getting cheaper auto insurance. Consumers may even find the best rates are with a lesser-known regional company.

More information can be found at these links:

• Side Impact Crash Tests (iihs.org)
• Teen Driver Licensing Information (iihs.org)
• Should I Buy a New or Used Car? (Allstate)
• Distracted Driving (Insurance Information Insitute)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)