View 2015 Volkswagen Passat Insurance Quotes

Want the cheapest car insurance rates? Drivers have many options when trying to find the best price on Volkswagen Passat insurance. They can either spend hours calling around trying to get quotes or utilize the internet to find the lowest rates. There are more efficient ways to shop for car insurance and you need to know the proper way to price shop coverage for your Volkswagen and obtain the lowest price from both online companies and local agents.

You should make it a habit to take a look at other company’s rates every six months because car insurance prices go up and down regularly. Even if you think you had the lowest price for Passat insurance a few years ago other companies may now be cheaper. There are a lot of ways to save on car insurance online but in just a couple of minutes you can learn some solid techniques on how to buy car insurance cheaper.

Insurance coverage policy discounts you can’t miss

Insuring your fleet can be pricey, but you may be missing some discounts to help bring down the price. A few discounts will be applied at quote time, but a few must be manually applied prior to getting the savings. If you do not check that you are getting every discount available, you are throwing money away.

• Online Discount – Some of the larger companies will give you a small discount for completing your application online.
• Bundle and Save – If you can bundle your auto and home insurance and place coverage with the same company you will save at least 10% off all policies.
• Auto/Life Discount – If the company offers life insurance, you could get a lower rate if you buy some life insurance in addition to your auto policy.
• Accident Forgiveness Coverage – Not really a discount, but some insurance companies will forgive one accident without getting socked with a rate hike if your claims history is clear prior to the accident.
• Theft Prevention Discount – Cars equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.
• Seat Belt Discounts – Forcing all vehicle occupants to use a seat belt can save 10% or more off the PIP or medical payment premium.
• Senior Discount – Older drivers can possibly qualify for a small discount on rates for Passat insurance.
• Good Grades Discount – Getting good grades may save you up to 25%. Earning this discount can benefit you up until you turn 25.
• Low Mileage – Fewer annual miles on your Volkswagen could be rewarded with cheaper rates.

As a footnote on discounts, most discounts do not apply to the entire cost. Most only apply to individual premiums such as comprehensive or collision. So even though it sounds like it’s possible to get free car insurance, companies wouldn’t make money that way.

A few companies who might offer some of the above discounts may include but are not limited to:

• Progressive
• The Hartford
• Mercury Insurance
• Geico
• AAA
• State Farm

If you need low cost insurance coverage quotes, ask each insurance company to apply every possible discount. Some discounts might not be available to policyholders in your area. To see insurance coverage companies that provide some of the discounts listed above, click here.

The most recommended method to compare insurance rates from multiple companies takes advantage of the fact almost all companies will pay a fee to give free rates quotes. The only thing you need to do is provide a small amount of information including driver ages, how many miles driven, what you do for a living, and any included safety features. Your information is instantly submitted to multiple top-rated companies and they return cost estimate instantly to find the best rate.

To start a rate quote now, click here and enter your coverage details.

Insurance agents can help

When choosing the right insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different.

These are some specific questions might help in determining if your insurance needs would benefit from an agent’s advice.

• Do I need higher collision deductibles?
• Should I rate my 2015 Volkswagen Passat as pleasure use or commute?
• What if I don’t agree with a claim settlement offer?
• How can I get high-risk coverage after a DUI?
• Why do I only qualify for high-risk insurance?
• Are there companies who specialize in insuring high-risk drivers?
• How do I insure my teen driver?
• Am I covered if I hit a deer?
• Am I missing any policy discounts?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find an agent in your area, complete this form. It’s fast, free and you can get the answers you need.

Coverages available on your policy

Knowing the specifics of your policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Liability car insurance

This coverage will cover damage or injury you incur to people or other property that is your fault. It protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things like emergency aid, repair costs for stationary objects and medical expenses. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as a broken windshield, rock chips in glass and hitting a deer. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like X-ray expenses, chiropractic care and hospital visits. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your 2015 Volkswagen Passat.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Auto collision coverage

This pays for damage to your Passat resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as crashing into a ditch, damaging your car on a curb, hitting a parking meter and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Don’t break the bank

As you prepare to switch companies, don’t be tempted to sacrifice coverage to reduce premiums. There are a lot of situations where consumers will sacrifice comprehensive coverage or liability limits only to discover later that the few dollars in savings costed them thousands. Your strategy should be to purchase a proper amount of coverage at the best possible price but still have enough coverage for asset protection.

Consumers switch companies for many reasons like high rates after DUI convictions, delays in responding to claim requests, delays in paying claims and even policy cancellation. Regardless of your reason, finding a new company is pretty simple and you could end up saving a buck or two.

We just showed you a lot of information how to get a better price on 2015 Volkswagen Passat insurance. The key thing to remember is the more times you quote, the higher the chance of saving money. Drivers may discover the lowest rates come from a company that doesn’t do a lot of advertising.

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

• Collision Coverage (Liberty Mutual)
• Auto Theft Statistics (Insurance Information Insitute)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Rental Reimbursement Coverage (Allstate)