Compare 2000 Volkswagen Passat Car Insurance Cost

Looking for lower car insurance rates for your Volkswagen Passat? Did you make the mistake of buying an overpriced car insurance policy? Believe me, there are many drivers thinking the same thing.

Insurance companies such as Progressive, Geico and Farmers Insurance all claim big savings with catchy ads and it can be hard to avoid their marketing magic and effectively compare rates to find the best deal.

If you have car insurance now, you should be able to lower your premiums substantially using this strategy. Buying car insurance is not that difficult. Although consumers need to have an understanding of how insurance companies sell online and apply this information to your search.

The easiest way to compare insurance rates from multiple companies is to realize auto insurance companies will pay a fee to give rate comparisons. To start a quote, the only thing you need to do is provide a small amount of information including daily mileage, if a SR-22 is needed, the year, make and model of vehicles, and an estimate of your credit level. The data is submitted instantly to insurance companies and you receive quotes almost instantly.

Insurance policy discounts

Some insurers don’t always advertise all available discounts very clearly, so we took the time to find both the well known as well as some of the hidden credits available to lower your premiums when you buy car insurance online.

  • Life Insurance Discount – Select insurance carriers reward you with a discount if you purchase life insurance.
  • Discount for Swiching Early – Some companies provide a discount for signing up prior to your current policy expiration. You could save around 10% when you buy car insurance online.
  • ABS Brakes – Cars, trucks, and SUVs equipped with ABS or steering control prevent accidents so you can save 10 percent or more.
  • New Car Discount – Buying a new car instead of a used car can get you a discount because newer vehicles are generally safer.
  • Driver Training Discounts – Successfully completing a safe driver course is a good idea and can lower rates and easily recoup the cost of the course.
  • Low Mileage – Driving less could earn substantially lower prices.
  • Discounts for Responsible Drivers – Drivers without accidents can pay as much as 50% less for Passat insurance as compared to drivers with claims.

One last thing about discounts, some of the credits will not apply to all coverage premiums. Most only reduce the cost of specific coverages such as liability and collision coverage. So even though you would think all those discounts means the company will pay you, it just doesn’t work that way.

To find insurance companies offering insurance discounts, click here to view.

How do I know if I need professional advice?

When buying the right insurance coverage, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that might point out whether you might need an agent’s assistance.

  • Should I have combined single limit or split liability limits?
  • How does medical payments coverage work?
  • What are the best liability limits?
  • Do I have coverage if my license is suspended?
  • Am I covered if I hit my neighbor’s mailbox?
  • Does having multiple vehicles earn me a discount?
  • Am I covered if I hit a deer?
  • How high should my medical payments coverage be?
  • Should I buy additional glass protection?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Car insurance coverage considerations

Having a good grasp of a car insurance policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverage types available from car insurance companies.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for surgery, dental work and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your 2000 Volkswagen Passat.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive insurance

This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as fire damage, a tree branch falling on your vehicle, hitting a bird and vandalism. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision protection

This covers damage to your Passat resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like damaging your car on a curb, crashing into a ditch and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.


This will cover damages or injuries you inflict on a person or their property in an accident. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage pays for things like repair bills for other people’s vehicles, repair costs for stationary objects and emergency aid. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Comments About 2000 Volkswagen Passat Insurance

  1. Kecia Higgins

    If you don’t have tickets and live near San Diego, California, check out Progressive. I saved quite a bit. Just waiting to see how claims go. Anyone else drop full coverage?

  2. Ruby Rasmussen

    I’m just south of Boise, ID. Quoted a bunch of companies. Saved roughly $30 a month. GEICO was the cheapest for me. I’m a pretty good driver though.

  3. Merrill Bradford

    Lots of useful info here. Located in Baton Rouge, LA. Quoted with Progressive, Liberty Mutual, and Farmers for my Passat and saved just over $80 a year. Insured with Hartford before. I have kids on my policy, too. Full coverage costs too much.

  4. Erasmo Reynolds

    Lifelong resident of Cranston, RI. I quoted with Auto-Owners, Safeco, and Western Auto Insurance for my 2000 Volkswagen Passat and I’m now saving $24 a month. BTW speeding tickets are not good. Not worth enough to pay for comprehensive and collision.

  5. Fred Barker

    Great info, thanks for posting. I live in Nashua, New Hampshire. Not sure of all the companies but I ended up saving about $20 each month. Ask about discounts. Next renewal I’ll just do liability.

  6. Sherril Roberts

    I’ve bought from Progressive forever. Cheapest rates in Des Moines, IA.

  7. Selena Chaney

    If you don’t have tickets and live around New York City, NY, check out Progressive. They seem to be cheaper. Insured with Liberty Mutual before. Got better coverage too. It’s easy to compare rates online now.

  8. Anika Walls

    Does GEICO offer good discounts?

  9. Daniela Mckinney

    I switched to 21st Century. Quoted good rates in Rockford, Illinois.

  10. Tarsha Larsen

    I found cheap 2000 Volkswagen Passat insurance in Pittsburgh, PA with State Farm.

  11. Freida Hester

    Lots of useful info here. Got a quote with Eastwood for my Passat and saved around $60 a year. Was with Hanover. Have an at-fault accident tho.

  12. Stephen Christian

    I live west of Sioux Falls, SD. I quoted with Mercury, Esurance, GEICO, and Amica for my Volkswagen and saved just over $110 a year.

  13. Chance Greer

    I got quite a few price quotes for a 2000 Volkswagen Passat in Chicago, Illinois. Ended up at roughly $100 every six months with American Family. I used their online quote form to compare rates.

  14. Bulah Woods

    From northwest of Detroit, Michigan and for me Allstate had the lowest quote. Left American Family to switch. My new agent seems to be really good. Not sure if rates are cheaper online or not. My Passat doesn’t have full coverage.