View 2007 Volkswagen Passat Insurance Quotes

Want the cheapest insurance rates for your Volkswagen Passat? Are you sick and tired of trying to scrape together enough money to pay your car insurance bill each month? You are in the same boat as many other consumers.

With so many companies and agents to choose from, it can be impossible to pick the right provider.

Consumers should take time to get comparison quotes occasionally since insurance rates are rarely the same from one policy term to another. Just because you had the lowest rates on Passat insurance two years ago you can probably find a better price now. Ignore everything you know about insurance because I’m going to let you in on the secrets to the proper way to find great coverage at a great price.

These factors can influence Volkswagen Passat insurance rates

An important part of buying insurance is that you know some of the elements that go into determining auto insurance rates. When you know what positively or negatively determines base rates helps enable you to make changes that can help you get big savings.

  • Your age impacts your rates – Teen drivers are statistically proven to get distracted easily when behind the wheel so they pay higher auto insurance rates. Older insureds are more responsible, file fewer claims and tend to be better behind the wheel.
  • Allowing your policy to lapse raises rates – Driving your car without having proper coverage is a misdemeanor and auto insurance companies will penalize you for letting your coverage lapse. Not only will rates go up, but being ticketed for driving with no insurance might get you a revoked license or a big fine.
  • Protect your assets with liability insurance – Liability coverage provides coverage when you are found to be at fault for damages caused by your negligence. It provides legal defense coverage which can be incredibly expensive. Liability insurance is quite affordable when compared with rates for comp and collision, so buy as much as you can afford.
  • Rate your vehicle for proper use – The higher the mileage driven in a year’s time the more you will pay for auto insurance. The majority of insurers apply a rate based upon how you use the vehicle. Cars and trucks that are left in the garage qualify for better rates than vehicles that are driven to work every day. An improperly rated Passat may be costing you. Verify your auto insurance declarations sheet properly reflects the correct usage for each vehicle.
  • Having a spouse can save you money – Being married can get you a discount on your policy. Marriage is viewed as being more mature and responsible and it’s statistically proven that drivers who are married are more cautious.

The quickest way to compare insurance rates from multiple companies is to take advantage of the fact most larger insurance companies provide online access to quote your coverage. To start a quote, the only thing you need to do is give the companies some data like level of coverage desired, your education level, which vehicles you own, and whether you are married. Your insurance information is then sent to many highly-rated insurers and they return cost estimate quickly.

Take advantage of discounts

Auto insurance companies don’t list every available discount very clearly, so here is a list some of the best known as well as the least known savings tricks you should be using.

  • Drive Safe and Save – Drivers who avoid accidents may save up to 50% more on Passat insurance than drivers with accident claims.
  • Homeowners Discount – Owning a home may trigger a car insurance policy discount because of the fact that having a home requires personal responsibility.
  • Payment Method – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
  • Senior Citizens – If you qualify as a senior citizen, you may qualify for a discount up to 10% on Passat insurance.
  • Discount for Life Insurance – Some companies give lower rates if you buy a life insurance policy as well.
  • Drive Less and Save – Keeping the miles down on your Volkswagen could be rewarded with better rates on cars that stay parked.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.

A little note about advertised discounts, most credits do not apply the the whole policy. Most only reduce the price of certain insurance coverages like medical payments or collision. So when it seems like all those discounts means the company will pay you, you won’t be that lucky.

For a list of providers who offer car insurance discounts, click here.

How to know if you need help

When it comes to buying the right insurance coverage, there really is not a best way to insure your cars. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that can aid in determining whether your personal situation would benefit from an agent’s advice.

  • How do I file an SR-22 for a DUI in my state?
  • Am I covered when driving a rental car?
  • Do I have coverage for damage caused while driving under the influence?
  • Am I covered when driving on a suspended license?
  • Does my policy pay for OEM or aftermarket parts?
  • Am I covered if I break a side mirror?
  • Does insurance cover damages from a DUI accident?
  • Do I have coverage when using my vehicle for my home business?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Insurance coverage specifics

Having a good grasp of your policy helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement. These are typical coverage types found on most insurance policies.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for expenses for doctor visits, nursing services, X-ray expenses, EMT expenses and pain medications. They can be used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Liability auto insurance

Liability coverage provides protection from injuries or damage you cause to other people or property. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims such as loss of income, attorney fees, pain and suffering and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Volkswagen Passat.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Comprehensive coverage (or Other than Collision)

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

Comprehensive coverage pays for things like rock chips in glass, hail damage and hitting a deer. The maximum payout your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for collisions

This covers damage to your Passat from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as scraping a guard rail, rolling your car and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Have money to burn

As you shop your coverage around, it’s not a good idea to skimp on critical coverages to save a buck or two. In many cases, an accident victim reduced full coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your focus should be to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

Budget-conscious 2007 Volkswagen Passat insurance can be purchased on the web in addition to many insurance agents, and you need to price shop both to have the best rate selection. A few companies do not provide online price quotes and most of the time these smaller companies sell through independent agents.

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