Cheap 2016 Volkswagen Passat Insurance Quotes

Trying to find the cheapest auto insurance rates for your Volkswagen Passat? Are you at wits end from paying out the nose to pay high auto insurance rates every month? You are in the same boat as many other drivers.

Insurance companies such as State Farm, Geico and Farmers Insurance all promote huge savings with advertising and consumers find it hard to see through the deception and find the best price available.

It’s smart to shop coverage around quite often because auto insurance prices are rarely the same from one policy term to another. Just because you found the best rates on Passat coverage on your last policy there is a good chance you can find better rate quotes now. There is too much inaccurate information about auto insurance out there, but in just a couple of minutes you can learn some of the best ways to buy auto insurance cheaper.

Compare auto insurance rates

There are a lot of ways to compare auto insurance prices and some are easier and takes less work. You can waste a lot of time talking about coverages with insurance agencies in your area, or you can stay home and use the web to quickly compare rates.

Many popular insurance companies participate in an industry program where insurance shoppers complete one form, and each participating company then returns a price quote based on that data. This saves time by eliminating quotation requests for each company you want a rate for.

To submit your quote information now, click here to start a free quote.

The only downside to getting quotes like this is that consumers can’t choose which carriers to get pricing from. So if you want to select from a list of companies to request quotes from, we put together a list of the cheapest auto insurance companies in your area. Click to view list.

It doesn’t matter which method you choose, just try to keep equivalent quote information on every quote you get. If each company quotes different data it will be nearly impossible to make an equal comparison. Having just a slight variation in insurance coverages or limits could skew the results. And when comparison shopping, getting more free quotes helps improve the odds of finding the best offered rates. Not every company does rate quotes online, so it’s important to also get prices from them as well.

Pay discount rates these discounts

Some insurance providers don’t always list every possible discount very clearly, so the list below gives a summary of both the well known and the more hidden discounts you could be receiving when you buy car insurance online.

  • Paper-free Discount – Some companies will provide an incentive get car insurance on the internet.
  • Senior Citizen Rates – Drivers over the age of 55 may receive a discount up to 10% on Passat coverage.
  • Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase life insurance.
  • Discounts for Government Workers – Simply working for the federal government could cut as much as 10% off on Passat coverage depending on your company.
  • Safety Course Discount – Completing a course that instructs on driving safety may get you a small discount depending on where you live.
  • Passive Restraints – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of 20 to 30 percent.
  • Telematics Devices – Drivers that enable companies to look at where and when they drive by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate could possibly reduce rates if they have good driving habits.
  • Professional Memberships – Joining qualifying clubs or civic groups is a simple method to lower premiums on your policy.
  • New Vehicle Savings – Buying a new car instead of a used car can save you some money because newer models keep occupants safer.
  • Active Military Service – Being deployed in the military could be rewarded with lower prices.

Remember that many deductions do not apply the the whole policy. Most only apply to specific coverage prices like comp or med pay. So even though it sounds like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business. Any qualifying discounts will help lower your policy cost.

Popular insurance companies and the discounts they provide can be read below.

  • State Farm discounts include driver’s education, defensive driving training, multiple autos, Drive Safe & Save, accident-free, and passive restraint.
  • Progressive includes discounts for good student, homeowner, multi-policy, online quote discount, online signing, and continuous coverage.
  • Progressive may include discounts for homeowner, continuous coverage, good student, online quote discount, multi-policy, and multi-vehicle.
  • MetLife offers discounts for defensive driver, claim-free, accident-free, good student, multi-policy, good driver
  • Farm Bureau offers discounts including driver training, safe driver, good student, 55 and retired, multi-vehicle, multi-policy, and youthful driver.
  • Geico may offer discounts for five-year accident-free, driver training, defensive driver, military active duty, and membership and employees.
  • SAFECO has discounts for anti-theft, drive less, anti-lock brakes, bundle discounts, teen safe driver, and multi-car.

When getting a coverage quote, ask each company which credits you are entitled to. A few discounts may not apply in your state. If you would like to see a list of companies with the best discounts, click here.

Special considerations

When it comes to choosing the right insurance coverage, there really is no one size fits all plan. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out if you could use an agent’s help.

  • Is my ex-spouse still covered by my policy?
  • Am I covered when driving in Canada or Mexico?
  • How do I file an SR-22 for a DUI in my state?
  • Do I need PIP (personal injury protection) coverage in my state?
  • What is covered by UM/UIM coverage?
  • Is my teenager covered with friends in the car?

If you’re not sure about those questions then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area.

Insurance policy specifics

Understanding the coverages of your insurance policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on most insurance policies.

Liability insurance

This coverage can cover injuries or damage you cause to other people or property in an accident. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

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. Your policy might show limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims like emergency aid, court costs, attorney fees, bail bonds and medical services. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Comprehensive auto coverage

This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hail damage, hitting a bird and falling objects. The most a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as pain medications, X-ray expenses and EMT expenses. They are used to fill the gap from your health insurance policy or if you do not have health coverage. They cover you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Collision insurance

This will pay to fix damage to your Passat from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as rolling your car, damaging your car on a curb and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

Do the work, save more money

Some insurance coverage companies do not offer rates over the internet and usually these smaller companies only sell through independent agencies. Cost effective 2016 Volkswagen Passat insurance is possible both online as well as from independent agents, and you should compare price quotes from both to get a complete price analysis.

We just presented a lot of ways to lower your 2016 Volkswagen Passat insurance car insurance rates. The key concept to understand is the more providers you compare, the higher your chance of finding the cheapest car insurance. Drivers may discover the most savings is with a small local company. Regional companies may cover specific market segments cheaper compared to the large companies like Progressive or Geico.

Additional information is available on the following sites:

Comments About 2016 Volkswagen Passat Insurance

  1. Lonny Hayden

    In Bismarck, North Dakota, Progressive auto insurance rates for my 2016 Volkswagen Passat were good. Insured with Hanover before. Might find lower rates online.

  2. Earleen Alston

    I think I’m paying too much. I live east of Biloxi, MS. I got free prices from Amica, Safeco, and some smaller one I can’t remember the name of for my 2016 Volkswagen Passat and saved $577 a year. Insured with Sentry before. My new agent seems to be really good.

  3. Gavin Petty

    Will 21st Century raise rates if I file a claim?

  4. Lucas Maxwell

    From Honolulu, Hawaii. Don’t remember every company but I ended up saving about $50 each month. Left Safeco to switch. I recommend comparing lots of rates.

  5. Grisel Dunn

    It’s all a rip off. I’m in the suburbs of Evansville, IN. I got free prices from Allstate, Eastwood, and Liberty Mutual for my Volkswagen and saved just over $500 a year. Insured with GMAC before. Have an at-fault accident tho. Just waiting to see how claims go.

  6. Adrienne Butler

    If you have a good history and are close to Seattle, WA, check out Allstate. I saved quite a bit. Get lots of quotes to find the best rate.

  7. Irma Hickman

    From northwest of Los Angeles, CA. Can’t remember who all I quoted but I ended up saving about $60 each month. I got a quote from their website.

  8. Rogelio Dean

    Lifelong resident of Fort Wayne, Indiana. I quoted with AIG Insurance, Encompass, and Sentry for my Passat and I’m now saving $57 a month. Insured with Sentry before. Even increased coverage a bit.

  9. Tana Daniels

    I’m just west of Kailua, Hawaii. Compared quite a few companies. Saved right around $40 a month. Allstate was the cheapest for me. I got prices on the web.

  10. Fannie Shelton

    From Reno, NV. Don’t remember every company but I ended up saving about $40 each month. Insured with AIG Insurance before.

  11. Ellis Koch

    I found pretty cheap rate quotes for a 2016 Volkswagen Passat in Nashville, TN. Ended up at roughly $480 every six months with AIG Insurance. Left Safeco to switch.

  12. Corrin Stone

    GEICO and State Farm had the best prices I found in Georgia.