How Much Does 2006 Volkswagen Phaeton Insurance Cost?

Trying to find lower insurance coverage rates? Buyers have lots of choices when searching for low-cost Volkswagen Phaeton insurance. They can either spend hours calling around trying to get quotes or save time using the internet to compare rates.

There is a right way and a wrong way to find insurance coverage online so we’re going to tell you the proper way to compare rates on a Volkswagen and locate the lowest price.

The purpose of this article is to tell you the most effective way to quote insurance and some tips to save money. If you have car insurance now, you will be able to save some money using this information. Vehicle owners just need to understand the proper way to compare price quotes online.

Lower rates by qualifying for discounts

The price of auto insurance can be rather high, but you may qualify for discounts to cut the cost considerably. Most are applied when you get a quote, but some may not be applied and must be asked for before being credited.

  • New Car Discount – Buying insurance on a new vehicle can get you a discount since new vehicles have better safety ratings.
  • Telematics Data – Policyholders that allow driving data submission to track driving habits through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate could possibly reduce rates if their driving habits are good.
  • Federal Government Employee – Active or retired federal employment can earn a discount up to 10% on Phaeton coverage with select insurance companies.
  • Discounts for Multiple Vehicles – Buying coverage for multiple cars or trucks on a single policy may reduce the rate for each vehicle.
  • 55 and Retired – Drivers that qualify as senior citizens may be able to get reduced rates on Phaeton coverage.
  • Accident Forgiveness – but companies like Progressive, Allstate, and GEICO will forgive one accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
  • Homeowners Discount – Simply owning a home may trigger a policy discount on auto insurance since home ownership means you have a higher level of financial diligence.
  • Passenger Safety Discount – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of 20% or more.

Don’t be shocked that most discount credits are not given to your bottom line cost. A few only apply to individual premiums such as comp or med pay. Just because you may think adding up those discounts means a free policy, auto insurance companies aren’t that generous.

Some of the insurance companies that may have these discounts include:

When getting free insurance quotes, it’s a good idea to each company or agent which discounts can lower your rates. Some discounts might not be offered in your state. To locate providers offering auto insurance discounts, click here to view.

The best way we recommend to compare rates is to realize most insurance companies allow for online access to compare their rates. To begin a comparison, all you need to do is spend a couple of minutes providing details like if the car is leased, what your job is, if you’re married, and the type of vehicles you drive. Your insurance information is automatically sent to many highly-rated insurers and you get price estimates within a short period of time.

To find the cheapest Volkswagen Phaeton insurance rates, click here then complete the form.

The Volkswagen Phaeton insurance rate equation

When buying insurance coverage it’s important to understand some of the elements that come into play when calculating your premiums. If you have some idea of what controls the rates you pay, this helps enable you to make changes that could help you find lower premium levels. Multiple criteria are taken into consideration when pricing auto insurance. Some are pretty understandable such as traffic violations, but other criteria are not quite as obvious such as your marital status and annual miles driven.

  • Protect yourself with liability – Liability coverage will afford coverage if you are found liable for causing damage or personal injury in an accident. It will provide legal defense coverage starting from day one. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so do not cut corners here.
  • Single drivers take more risk – Your spouse actually saves money on your insurance coverage policy. It means you’re more mature and responsible and statistics prove being married results in fewer claims.
  • Reduce rates by driving vehicles with better crash test results – Vehicles that have high safety ratings get lower rates. Vehicles engineered for safety help reduce the chance of injuries in an accident and fewer serious injuries translates into savings for insurance companies which can mean better rates for you. If your Volkswagen Phaeton is rated at a minimum four stars on Safercar.gov you are probably receiving a discount.
  • City traffic equals higher prices – Living in areas with lower population is a good thing if you are looking for the lowest rates. Fewer drivers corresponds to lower accident rates and a lower car theft rate. City drivers regularly have much more traffic and longer commute times. Higher commute times means higher likelihood of an accident.
  • High physical damage deductibles reduce prices – Protection for physical damage, also called ‘full coverage’, protects your Volkswagen from damage. Examples of some claims that would be covered would be running into the backend of another car, damage caused by hail, and rolling your vehicle. Comp and collision deductibles tell how much you are willing to pay in the event of a claim. The more expense you choose to pay out-of-pocket, the bigger discount you will receive on Phaeton coverage.
  • Your gender affects premiums – Over time, data shows that men are more aggressive behind the wheel. However, this does not mean females are better at driving than males. Men and women get in fender benders at a similar rate, but the males have costlier accidents. In addition to higher claims, males also receive more costly citations like DUI and reckless driving.
  • Where do you drive? – The more you drive in a year the more you’ll pay to insure your vehicle. Almost all companies price each vehicle’s coverage partially by how you use the vehicle. Cars that are left in the garage receive better premium rates than vehicles that have high annual mileage. Improper usage on your Phaeton can result in significantly higher rates. Ask your agent if your insurance coverage policy is showing the proper vehicle usage, because improper ratings can cost you money.
  • Deter theft and save – Selecting a car model that has an advanced theft prevention system can help lower your rates. Anti-theft devices such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder auto theft.

Insurance coverage is unique, just like you

When buying adequate coverage for your personal vehicles, there isn’t really a perfect coverage plan. Every insured’s situation is different.

For example, these questions might help in determining if your situation would benefit from professional advice.

  • Are my tools covered if they get stolen from my vehicle?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Will my rates increase for filing one claim?
  • Am I covered if I hit a deer?
  • Does my medical payments coverage pay my health insurance deductible?
  • Is my teenager covered with friends in the car?

If it’s difficult to answer those questions, you may need to chat with an agent. To find an agent in your area, complete this form. It’s fast, free and you can get the answers you need.

Auto insurance coverages

Having a good grasp of your car insurance policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Insurance for medical payments

Med pay and PIP coverage kick in for short-term medical expenses like ambulance fees, chiropractic care, prosthetic devices, nursing services and pain medications. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and also any damage incurred to your Volkswagen Phaeton.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like rock chips in glass, theft, falling objects and damage from a tornado or hurricane. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision insurance covers damage to your Phaeton caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as crashing into a ditch, sustaining damage from a pot hole and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Auto liability insurance

Liability insurance can cover damages or injuries you inflict on people or other property that is your fault. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Occasionally you may see a combined limit which provides one coverage limit without having the split limit caps.

Liability can pay for claims such as structural damage, legal defense fees, medical services and medical expenses. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Get your money’s worth

Consumers leave their current company for many reasons like delays in paying claims, questionable increases in premium, not issuing a premium refund and even policy cancellation. Regardless of your reason for switching companies, choosing a new company is less work than it seems.

In this article, we covered a lot of techniques to reduce 2006 Volkswagen Phaeton insurance rates online. The key concept to understand is the more you quote insurance, the better likelihood of getting affordable insurance. You may even find the biggest savings come from a company that doesn’t do a lot of advertising.

Some insurance providers may not offer price quotes online and most of the time these small, regional companies sell through independent agents. The cheapest 2006 Volkswagen Phaeton insurance can be purchased on the web in addition to local insurance agencies, so compare prices from both to have the best chance of lowering rates.

Additional car insurance information is available at the links below

Comments About 2006 Volkswagen Phaeton Insurance

  1. Yvone Matthews

    I live south of Missoula, MT. I quoted with USAA, Amica, GMAC, and Mercury for my 2006 Volkswagen Phaeton and I’m now saving $33 a month. Online quotes are the way to go.

  2. Chana Mcintosh

    I was with Hartford last year but switched to 21st Century. I live just outside Gulfport, MS. Insured with Farmers before. Good savings if you bundle. Might find lower rates online.

  3. Valentin Fletcher

    Enjoyed the article. Located in Missoula, Montana. Quoted with Auto-Owners, Nationwide, and some smaller one I can’t remember the name of for my 2006 Volkswagen Phaeton and saved $553 a year. I get a discount for insuring multiple vehicles.

  4. Dale Schroeder

    Liked the article. From north side of Honolulu, HI. I got free rates from American Family, MetLife, and USAA for my Volkswagen and I think I saved around $30 each month. Was with Nationwide. Bought it from an online quote.

  5. Mazie Curtis

    Does State Farm insure after a DUI?

  6. Geralyn Morton

    I got decent rates for a 2006 Volkswagen Phaeton in Springfield, MA. Ended up at roughly $470 every six months with AIG Insurance. Insured with GMAC before.

  7. Rivka Parks

    I switched to Allstate. Quoted good rates in Lincoln, NE. I’m a pretty low risk driver. God forbid I actually have a claim.

  8. Kizzy Estrada

    Does 21st Century insure teenage drivers?

  9. Elfriede Potts

    Went with MetLife for my 2006 Volkswagen Phaeton and saved about $570 a year. Left Erie to switch.

  10. Suzanne Harper

    Cheaper not always better. Got a quote with Encompass for my 2006 Volkswagen Phaeton and cut my rates about $170 a year. I used their online quote form to compare rates.