2005 Volkswagen Passat Car Insurance Cost – 5 Tips for Best Prices

Looking for cheaper insurance coverage rates for your Volkswagen Passat? No car owner likes paying for insurance coverage, especially when they know they could lower their rates if they shopped around. Due to the increasing number of options, it’s difficult to find a lower cost insurance coverage provider.

Finding the best rates is quite easy. If you have a current insurance coverage policy or need a new policy, you can learn to find the best rates and possibly find even better coverage. Drivers only need to know the tricks to shop their coverage around online.

Compare auto insurance rates

Effectively comparing auto insurance prices can be exhausting if you don’t understand the most efficient way. You could spend your day driving to insurance agencies in your area, or you can stay home and use the web to accomplish the same thing much quicker.

Many of the larger companies take part in a program where prospective buyers only type in their quote data once, and every company then returns a price quote for coverage. This eliminates the need for quote forms to every company.

To submit your quote information now, click here (opens in new window).

The one disadvantage to doing it this way is that you can’t choose the providers to get pricing from. So if you prefer to pick from a list of companies to compare rates, we have assembled a list of companies who write auto insurance in your area. Click to view list.

The approach you take is up to you, just compare equivalent coverage limits with each company. If the quotes have different coverage information it will be impossible to determine the lowest rate for your Volkswagen Passat.

Take advantage of every auto insurance discount

Not too many consumers would say auto insurance is affordable, but there may be some discounts that could help you make your next renewal payment. Certain credits will be shown when you complete an application, but once in a while a discount must be specially asked for before they will apply.

• Life Insurance – Select companies reward you with a discount if you purchase a life insurance policy as well.
• Payment Discounts – By making one initial payment instead of monthly or quarterly installments you can actually save on your bill.
• Club Memberships – Being in a professional or civic organization can get you a small discount on auto insurance.
• Discount for Good Grades – A discount for being a good student may save as much as 25% on a insurance quote. The discount lasts well after school through age 25.
• Buy New and Save – Buying a new car instead of a used car can get you a discount because newer vehicles have to meet stringent safety requirements.

Don’t be surprised that most discount credits are not given to the entire cost. The majority will only reduce specific coverage prices like liability, collision or medical payments. So when the math indicates you can get free auto insurance, you won’t be that lucky.

A few popular companies and the discounts they provide are shown below.

• American Family may offer discounts for good student, accident-free, air bags, good driver, bundled insurance, mySafetyValet, and multi-vehicle.
• Nationwide offers premium reductions for multi-policy, Farm Bureau membership, accident-free, anti-theft, and easy pay.
• MetLife offers discounts for defensive driver, accident-free, multi-policy, good student, and claim-free.
• 21st Century has savings for air bags, student driver, defensive driver, early bird, driver training, and theft prevention.
• Farmers Insurance policyholders can earn discounts including multi-car, alternative fuel, early shopping, homeowner, pay in full, and youthful driver.
• Allstate has discounts for good student, FullPay discount, teenSMART discount, good payer, anti-theft, and premier discount.

Before buying, ask all companies you are considering what discounts are available to you. Some discounts listed above might not be available to policyholders in your state. To choose providers that offer some of these discounts, click here to view.

How to know if you need help

When choosing proper insurance coverage, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions may help you determine if you might need professional guidance.

• Should I buy additional glass protection?
• Is upholstery damage covered by car insurance?
• Do I need PIP coverage since I have good health insurance?
• Can I make deliveries for my home business?
• Is my Volkswagen Passat covered if I use it for business?
• When does my teenage driver need to be added to my policy?
• Does my insurance cover my expensive audio equipment?
• What is the difference between comprehensive and collision coverage?
• Am I missing any policy discounts?
• Should I rate my 2005 Volkswagen Passat as pleasure use or commute?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Coverages available on your policy

Understanding the coverages of car insurance can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Listed below are typical coverage types available from car insurance companies.

Collision coverage protection

This coverage pays for damage to your Passat resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as driving through your garage door, scraping a guard rail, sideswiping another vehicle, sustaining damage from a pot hole and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Medical expense coverage

Med pay and PIP coverage provide coverage for bills such as prosthetic devices, rehabilitation expenses, doctor visits, funeral costs and nursing services. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability

This coverage can cover damage that occurs to people or other property by causing an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things such as court costs, attorney fees and loss of income. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford.

Comprehensive protection

This pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, hail damage, a broken windshield, theft and rock chips in glass. The highest amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured or underinsured coverage

This coverage gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your 2005 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. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Pennies from heaven

You just read many tips how you can compare 2005 Volkswagen Passat insurance rates online. The most important thing to understand is the more companies you get car insurance rates for, the higher the chance of saving money. You may even find the biggest savings come from some of the smallest insurance companies. These companies may cover specific market segments cheaper as compared to the big name companies such as Progressive and Geico.

Cheaper 2005 Volkswagen Passat insurance is available from both online companies in addition to many insurance agents, so you should compare both to get a complete price analysis. Some insurance providers do not offer price quotes online and these regional insurance providers sell through independent agents.

For more information, take a look at the resources below:

• Red Light Cameras (State Farm)
• Uninsured Motorist Statistics (Insurance Information Insitute)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Collision Insurance Coverage (Nationwide)
• Auto Theft Statistics (Insurance Information Insitute)
• State Car Insurance Guides (Geico)