Cheap 2004 Volkswagen Passat Car Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Aug 23, 2022

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Trying to find lower insurance rates for your Volkswagen Passat? Searching for low-cost insurance for a new or used Volkswagen Passat could be an all-consuming task, but you can learn our insurance buying tips to save time.

There are both good and bad ways to find insurance online so we’re going to tell you the proper way to compare rates for your Volkswagen and locate the best price possible either online or from local insurance agents.

Smart consumers take time to do rate comparisons at least once a year because insurance rates are adjusted regularly by insurance companies. Even if you got the best rates on Passat insurance on your last policy there is a good chance you can find better rates now. You can find a lot of wrong information about insurance online but we’re going to give you the easiest ways to reduce your insurance bill.

If you have insurance now or are just looking to switch companies, you can follow these tips to get lower rates while maintaining coverages. Locating the cheapest insurance coverage coverage can be fairly easy. Drivers just need to understand the proper methods to get comparison quotes online.

Are you getting all your discounts?

Insurance can cost an arm and a leg, but you can get discounts to cut the cost considerably. A few discounts will automatically apply at the time you complete a quote, but a few need to be asked about before they will apply. If they aren’t giving you every credit available, you are paying more than you should be.

  • Air Bag Discount – Factory air bags or motorized seat belts can qualify for discounts up to 30%.
  • Auto/Home Discount – When you combine your home and auto insurance with the same company you will save up to 20% off your total premium.
  • Seat Belt Usage – Requiring all passengers to use a seat belt could cut 10% or more off your medical payments premium.
  • Senior Discount – If you’re over the age of 55, you may be able to get a small decrease in premiums on Passat insurance.
  • Early Switch Discount – Some insurance companies reward drivers for signing up before your current policy expires. It’s a savings of about 10%.
  • No Accidents – Drivers who don’t have accidents pay less compared to drivers who are more careless.
  • Discount for New Cars – Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
  • Multiple Cars – Having all your vehicles on one policy can get a discount on all vehicles.
  • Organization Discounts – Being a member of certain professional organizations may earn a discount on auto insurance on Passat insurance.

It’s important to understand that many deductions do not apply to the entire cost. Some only reduce specific coverage prices like collision or personal injury protection. So when the math indicates you could get a free auto insurance policy, it doesn’t quite work that way. Any qualifying discounts will bring down the amount you have to pay.

Companies that may have these benefits are:

  • State Farm
  • Progressive
  • Travelers
  • American Family
  • Liberty Mutual

Double check with all companies you are considering how you can save money. Savings might not apply in every state.

Comprehensive Auto Insurance Comparison

Comparing auto insurance rates can take time and effort if you don’t utilize the best way to get rate quotes. You could spend the better part of a day talking to local insurance agents in your area, or you could save time and use the internet to get rate comparisons in just a few minutes.

Most car insurance companies belong to an insurance system that enables customers to only type in their quote data once, and each participating company then returns a price quote based on that data. This prevents consumers from doing form submissions for every auto insurance company.

To find out how much you can save on auto insurance click here to open in new window.

It’s up to you which method you use, but compare the exact same deductibles and coverage limits for every company. If you use differing limits you can’t possibly make an equal comparison.

When might I need an agent?

When it comes to choosing proper insurance coverage, there isn’t really a one size fits all plan. Every situation is different.

For instance, these questions might help in determining if your insurance needs would benefit from an agent’s advice.

  • When would I need additional glass coverage?
  • If I drive on a suspended license am I covered?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is business equipment covered while in my vehicle?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Is my camper covered by my car insurance policy?
  • Does my 2004 Volkswagen Passat need full coverage?
  • Can my babysitter drive my car?
  • If my 2004 Volkswagen Passat is totaled, can I afford another vehicle?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and can help protect your family.

Auto insurance coverage information

Having a good grasp of insurance aids in choosing which coverages you need for your vehicles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverage protection

This will pay to fix damage to your Passat caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as rolling your car, scraping a guard rail, sustaining damage from a pot hole and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a deer, hail damage, a tree branch falling on your vehicle, damage from getting keyed and damage from a tornado or hurricane. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability

This coverage can cover damage that occurs to a person or their property by causing an accident. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged property. Alternatively, you may have a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like medical services, bail bonds, emergency aid, repair bills for other people’s vehicles and legal defense fees. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Medical costs insurance

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like rehabilitation expenses, ambulance fees, hospital visits and pain medications. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

UM/UIM Coverage

This coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 2004 Volkswagen Passat.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these coverages are set the same as your liablity limits.

Shop around and save

As you shop your coverage around, make sure you don’t reduce needed coverages to save money. There are many occasions where drivers have reduced uninsured motorist or liability limits and learned later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase plenty of coverage at a price you can afford while still protecting your assets.

Consumers change insurance companies for a number of reasons such as denial of a claim, questionable increases in premium, poor customer service and even lack of trust in their agent. It doesn’t matter what your reason, switching companies is not as hard as you think.

We’ve covered a lot of tips how to reduce 2004 Volkswagen Passat insurance prices online. The key thing to remember is the more you quote, the better likelihood of reducing your rate. Consumers could even find that the most savings is with some of the lesser-known companies.

To read more, take a look at these articles:

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