2014 Volkswagen Passat Insurance Cost

Do you get exhausted from scraping nickels together to pay high insurance coverage rates every month? You are in the same boat as the majority of other drivers. Multiple auto insurance companies compete for your business, and it can be difficult to compare rates to get the best price available.

If you have a policy now or are looking for a new policy, you will benefit by learning to find better prices while maintaining coverages. Buying car insurance is not rocket science. Drivers only need to know the best way to buy insurance coverage on the web.

How to lower your car insurance cost

Most larger insurance companies like Geico, State Farm and Progressive provide pricing online. Comparing rates online is quite simple because it’s just a matter of typing in the coverages you want on the page. When complete, their system gets reports for credit and driving violations and returns pricing information based on these factors. Online price estimates helps simplify price comparisons, but having to visit a lot of sites and type in the same data can be a bit repetitive. But it is imperative to have as many quotes as possible if you are searching for the lowest car insurance rates.

The better way to compare rates

The smarter way to lower your rates is to use a quote form that obtains quotes from a lot of companies. This type of form saves time, eliminates form submissions, and makes online quotes a lot less work. After sending the form, it gets priced and you can select any of the pricing results.

If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. It only takes a few minutes and you will find out if you’re overpaying now.

In order to find out how much you can save on car insurance, click here and enter your vehicle and coverage information. If you have a policy now, it’s recommended you complete the form with the limits and deductibles as shown on your current policy. This ensures you will have rate quotes based on identical coverages.

Lower rate quotes with these discounts

Insuring your vehicles can cost a lot, but there are discounts available that can drop the cost substantially. Some discounts will apply when you quote, but a few must be asked for before they will apply. If you are not receiving all the discounts you qualify for, you could be paying more than you need to.

• Good Students Pay Less – Getting good grades may save as much as 25% on a insurance coverage quote. Many companies even apply the discount to college students well after school through age 25.
• Mature Driver Discount – If you qualify as a senior citizen, you can get a small decrease in premiums for Passat coverage.
• Early Payment Discounts – If you can afford to pay the entire bill instead of making monthly payments you could save 5% or more.
• Homeowners Pay Less – Just owning your own home can help you save on auto insurance because maintaining a house requires a higher level of personal finance.
• Buy New and Save – Putting coverage on a new car can cost up to 25% less due to better safety requirements for new vehicles.
• Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course if it’s offered in school.

Keep in mind that most discount credits are not given to the overall cost of the policy. Most only apply to individual premiums such as comp or med pay. So despite the fact that it appears it’s possible to get free car insurance, nobody gets a free ride.

Auto insurance companies that may offer quotes with these money-saving discounts include:

• State Farm
• Progressive
• Progressive
• MetLife
• Farm Bureau
• Geico
• SAFECO

If you need inexpensive insurance coverage quotes, ask every insurance company the best way to save money. Some discounts listed above may not be available in your area.

Auto insurance can be complex

When it comes to buying proper insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Every insured’s situation is different and your policy should reflect that. For example, these questions might help in determining whether your personal situation may require specific advice.

• How much can I save by bundling my policies?
• Is a new car covered when I drive it off the dealer lot?
• How much liability coverage do I need in my state?
• Is my 2014 Volkswagen Passat covered for smoke damage?
• Where can I find high-risk insurance?
• How can I find cheaper teen driver insurance?
• Does insurance cover damages from a DUI accident?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Insurance coverages 101

Learning about specific coverages of your policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. These are typical coverage types offered by insurance companies.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like hitting a bird, a tree branch falling on your vehicle, theft and vandalism. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto liability

Liability coverage provides protection from damage or injury you incur to people or other property by causing an accident. It protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

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. You might see values of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Some companies may use a combined limit which limits claims to one amount without having the split limit caps.

Liability insurance covers claims such as emergency aid, medical expenses, structural damage and legal defense fees. How much coverage you buy is your choice, but you should buy as large an amount as possible.

Auto collision coverage

This covers damage to your Passat resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims such as crashing into a building, colliding with a tree and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Volkswagen Passat.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these coverages are identical to your policy’s liability coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as prosthetic devices, funeral costs, rehabilitation expenses, X-ray expenses and ambulance fees. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage