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.
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.
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.
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.
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.
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.
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.
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.
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
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.
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:
In Bismarck, North Dakota, Progressive auto insurance rates for my 2016 Volkswagen Passat were good. Insured with Hanover before. Might find lower rates online.
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.
Will 21st Century raise rates if I file a claim?
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.
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.
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.
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.
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.
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.
From Reno, NV. Don’t remember every company but I ended up saving about $40 each month. Insured with AIG Insurance before.
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.
GEICO and State Farm had the best prices I found in Georgia.