Lower Your 2001 Volkswagen Passat Car Insurance Quotes

I can’t think of anyone who rejoices having to buy auto insurance, especially when they are aware that they are paying too much.

Big companies like State Farm and GEICO constantly bombard you with fancy advertisements and it can be hard to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

If you currently have car insurance, you stand a good chance to be able to cut costs considerably using these techniques. Finding affordable coverage is not rocket science. Although drivers can benefit by having an understanding of how insurance companies compete online and use this information to your advantage.

Don’t miss with these discounts

Insurance can cost an arm and a leg, but you might find some hidden discounts that you may not even be aware of. Certain credits will be shown at the time of purchase, but some must be specifically requested prior to receiving the credit.

  • Defensive Driver – Taking a course that instructs on driving safety may get you a small discount if you qualify.
  • Accident Waiver – Not necessarily a discount, but companies like Allstate, State Farm and GEICO permit an accident without the usual rate increase as long as you don’t have any claims for a set time period.
  • Telematics Data – Drivers that enable data collection to scrutinize driving manner through the use of a telematics system like Allstate’s Drivewise might get better premium rates if they are good drivers.
  • Safety Restraint Discount – Forcing all vehicle occupants to use their safety belts could cut 10% or more on the premium charged for medical payments and/or PIP.
  • Theft Deterent – Anti-theft and alarm system equipped vehicles can help prevent theft and that can save you a little bit as well.

It’s important to note that most discount credits are not given to the overall cost of the policy. Most only cut the cost of specific coverages such as comprehensive or collision. So even though they make it sound like adding up those discounts means a free policy, you aren’t that lucky.

If you would like to view insurance companies that offer many of these discounts, click here to view.

Your situation helps dictate your coverage

When buying the best insurance coverage for your personal vehicles, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions may help highlight whether your personal situation could use an agent’s help.

  • What can I do if my company denied a claim?
  • Am I covered if I hit my neighbor’s mailbox?
  • Does my liability insurance cover pulling a trailer or camper?
  • Is my teen driver covered when they drive my company car?
  • When can my company non-renew my policy?
  • Do I need more liability coverage?
  • Are rental cars covered under my policy?
  • Why is insurance for a teen driver so high?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Save 15 percent in 15 minutes? Is it for real?

Progressive, Allstate and GEICO constantly bombard you with ads on television and other media. All the ads make the point that you’ll save big if you switch your insurance coverage coverage to their company. How is it plausible that every one can give you a lower rate? This is the way they can do it.

All companies have specific criteria for the type of driver that earns them a profit. For instance, this type of driver might have to be between the ages of 40 and 55, has no driving citations, and the vehicle is rated for pleasure use. Someone who fits that profile receives the best car insurance rates and is almost guaranteed to save a lot if they switch.

Potential customers who don’t measure up to this stringent profile may be forced to pay higher premium rates and business going elsewhere. The trick is to say “people that switch” not “everyone who quotes” save the amount stated. That’s the way insurance companies can make the claims of big savings. This really illustrates why you need to compare as many free auto insurance quotes as you can. Because you never know which insurance coverage company will have the lowest prices for your situation.

Insurance coverages 101

Knowing the specifics of insurance aids in choosing which coverages you need and proper limits and deductibles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. These are the normal coverages available from insurance companies.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as vandalism, rock chips in glass, theft, damage from getting keyed and hitting a bird. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability

This coverage protects you from damage that occurs to a person or their property that is your fault. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability insurance covers things like structural damage, funeral expenses and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Insurance for medical payments

Med pay and PIP coverage provide coverage for short-term medical expenses for things like prosthetic devices, doctor visits, surgery, funeral costs and X-ray expenses. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

Collision coverage covers damage to your Passat from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like sustaining damage from a pot hole, sideswiping another vehicle, driving through your garage door and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Feed the piggy bank

When buying insurance coverage, it’s not a good idea to skimp on critical coverages to save a buck or two. There are a lot of situations where an insured cut liability limits or collision coverage to discover at claim time that it was a big error on their part. Your focus should be to purchase plenty of coverage at the best possible price while not skimping on critical coverages.

We just covered a lot of tips how to compare 2001 Volkswagen Passat insurance premium rates online. The key concept to understand is the more rate quotes you have, the better your chances of lowering your prices. You may even discover the lowest priced auto insurance comes from a small mutual company. These companies may have significantly lower prices on certain market segments as compared to the big name companies such as Allstate or State Farm.

A few companies may not have price quotes online and usually these regional insurance providers sell through local independent agents. More affordable auto insurance can be purchased from both online companies and also from your neighborhood agents, so you should be comparing quotes from both to have the best rate selection.

Additional information can be read at these links:

Comments About 2001 Volkswagen Passat Insurance

  1. Marilou Tyler

    Here’s my info. I’m in the south part of Birmingham, AL. Can’t remember who all I quoted but I ended up saving about $20 each month. Insured with AIG Insurance before. A clean driving record helps. :) It’s too old for full coverage.

  2. Kirk Nolan

    Will 21st Century cancel my policy for a liability claim?

  3. Jona Pennington

    From Salem, OR and for me State Farm had the lowest quote. I just carry liability insurance.

  4. Dan Bruce

    This is too expensive. I live north of Omaha, Nebraska. Can’t remember who all I quoted but I ended up saving about $30 each month. I get multi-vehicle and multi-policy discounts. Still almost need a second mortgage. Just liability coverage since it’s getting old.

  5. Robby Miller

    IT’S ALL TOO EXPENSIVE! Proud to be from Greensboro, North Carolina. Got car insurance rates from Travelers, AAA, Liberty Mutual, and MetLife for my Passat and I’m now saving $12 a month. I have a teen driver too. I don’t put full coverage on it.

  6. Tomiko Everett

    I switched to Progressive. Quoted good rates in Great Falls, MT. I increased coverages a little too. Might find lower rates online. Full coverage costs too much.

  7. Rina Palmer

    I live on the south side of Evansville, IN. Got prices from Allstate, Auto-Owners, and Farmers for my Volkswagen and saved $99 a year. I’m a pretty good driver though. Book value doesn’t justify full coverage anymore.

  8. Lieselotte Conrad

    Cheap is relative. Found cheapest coverage with Hanover for my Passat and saved about $90 a year. Was with Progressive. They have a lot of discounts available. When should I drop full coverage?

  9. Wei Mcneil

    Went with MetLife for my 2001 Volkswagen Passat and cut my rates about $60 a year.

  10. Jolene Hughes

    I live south of Denver, CO. Got free quotes online for a 2001 Volkswagen Passat. Ended up at about $90 savings annually. Went with State Farm. :) Anyone else drop full coverage?

  11. Carman Chambers

    Liked the article. Live in the western part of Fort Wayne, IN. Received quotes from Allstate, AIG Insurance, and some I forget for my Passat and I’m now saving $25 a month. Good multi-policy discounts. When should I drop full coverage?

  12. Orlando Dudley

    I got a good deal I think. I live on the south side of Nampa, ID. Went online for free insurance quotes for a 2001 Volkswagen Passat. Ended up at about $100 savings annually. Went with GEICO. Insured with Sentry before. Good multi-policy discounts. Get lots of quotes to find the best rate.