2012 Volkswagen Passat Car Insurance Cost – 6 Ideas for Best Prices

Want lower auto insurance rates for your Volkswagen Passat? Did budget coverage turn out to be overpriced auto insurance? You’re in good company because you’re not the only one.

You have so many insurers to purchase coverage from, and though it is a good thing to have multiple companies, lots of choices makes it harder to get the best deal.

It’s smart to price shop coverage before your policy renews because prices are variable and change quite frequently. Just because you had the best quotes for Passat insurance a year ago you will most likely find a better rate today. There is too much inaccurate information about auto insurance online, but we’re going to give you the best ways to buy auto insurance cheaper.

Insurance coverage policy discounts you can’t miss

Insurance can cost an arm and a leg, but you might be missing out on some discounts that you may not know about. Most are applied at the time of purchase, but less common discounts must be specially asked for prior to getting the savings.

• Life Insurance Discount – Companies who offer life insurance give lower premium rates if you buy a life insurance policy as well.
• Discount for Swiching Early – Some larger companies give discounts for renewing your policy prior to your current policy expiring. You could save around 10% when you buy insurance coverage online.
• Use Seat Belts – Requiring all passengers to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.
• Anti-theft Discount – Cars optioned with advanced anti-theft systems prevent vehicle theft so companies will give you a small discount.
• Discounts for Safe Drivers – Insureds without accidents can save up to 40% or more on their insurance coverage quote for Passat insurance as compared to drivers with claims.
• Drivers Education – Reduce the cost of insurance for teen drivers by having them sucessfully take a drivers education course in school or through a local driver safety program.

As a footnote on discounts, some credits don’t apply to all coverage premiums. Some only reduce the price of certain insurance coverages like comprehensive or collision. Even though the math looks like it’s possible to get free car insurance, companies wouldn’t make money that way.

A list of companies and their possible discounts are:

• Farm Bureau offers discounts for driver training, safe driver, good student, multi-vehicle, multi-policy, youthful driver, and renewal discount.
• State Farm discounts include Drive Safe & Save, passive restraint, defensive driving training, multiple policy, good student, and anti-theft.
• Progressive offers discounts including online signing, continuous coverage, online quote discount, homeowner, multi-policy, and good student.
• Allstate offers premium reductions for 55 and retired, anti-lock brakes, good student, safe driver, and anti-theft.
• Nationwide may include discounts for defensive driving, business or organization, accident-free, easy pay, family plan, and anti-theft.
• MetLife may have discounts that include claim-free, multi-policy, accident-free, good driver, good student, defensive driver

If you need cheap insurance coverage quotes, ask every company which discounts they offer. Some of the discounts discussed earlier might not be offered in your area. If you would like to view companies with the best insurance coverage discounts, click this link.

Buy insurance online

Effectively comparing insurance prices can be challenging if you aren’t aware of the most efficient way. You could waste a few hours talking about coverages with insurance agencies in your area, or you could save time and use the web to quickly compare rates.

The majority of car insurance companies enroll in a system where prospective buyers submit their information once, and every company then returns a price quote for coverage. This saves time by eliminating repetitive form submissions for each company.

To find out what other companies charge click here (opens in new window).

The only drawback to pricing coverage this way is buyers cannot specifically choose the companies you want pricing from. So if you want to select specific providers to request quotes from, we have a page of low cost insurance companies in your area. Click here to view list.

Compare rates however you want, just make sure you use the same deductibles and coverage limits for every quote you compare. If your comparisons have different limits and deductibles on each one then you won’t be able to get a fair rate comparison. Slightly different limits can result in a big premium difference. Just remember that comparing more rates from different companies will enable you to find the best price. Some smaller insurers to not give quotes online, so it’s recommended that you also compare prices from the smaller companies as well.

Insurance agents can help

When it comes to choosing proper insurance coverage for your personal vehicles, there is no one size fits all plan. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions may help you determine whether your personal situation will benefit from professional help.

• I don’t drive much so do I pay less?
• Does my medical payments coverage pay my health insurance deductible?
• Do I have coverage when pulling a U-Haul trailer?
• When can my company non-renew my policy?
• When would I need additional glass coverage?
• Am I getting all the discounts available?
• Do I have coverage when using my vehicle for my home business?

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. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Auto insurance coverages

Knowing the specifics of a insurance policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring. These are the normal coverages found on most insurance policies.

Liability coverages

Liability coverage can cover damage that occurs to people or other property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims like court costs, structural damage and bail bonds. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for expenses for prosthetic devices, EMT expenses and pain medications. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Volkswagen Passat.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Collision insurance

This coverage covers damage to your Passat from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like rolling your car, crashing into a ditch and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, hitting a bird, falling objects and hitting a deer. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

More quotes. Lower rates.

Some companies may not have price quotes online small, regional companies sell through independent agents. Cost effective 2012 Volkswagen Passat insurance can be found from both online companies and from local insurance agents, so compare prices from both in order to have the best chance of saving money.

We covered some good ideas how to reduce 2012 Volkswagen Passat insurance rates online. The key thing to remember is the more providers you compare, the better your comparison will be. Drivers may discover the best price on insurance coverage is with a lesser-known regional company. Regional companies may cover specific market segments cheaper than their larger competitors like Progressive or Geico.

Additional information

• Collision Coverage (Liberty Mutual)
• Anti-Lock Brake FAQ (iihs.org)
• Child Safety Seats (Insurance Information Insitute)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• Get the Right Protection (InsureUonline.org)
• Teen Driver Licensing Information (iihs.org)