Save on 2009 Volkswagen Passat Insurance Quotes

Trying to find better auto insurance rates for your Volkswagen Passat? Finding the lowest cost auto insurance online is challenging for beginners to comparison shopping online. With a ridiculous number of companies competing online, how can drivers possibly compare them all to find the lowest rates?

It’s a good idea to get comparison quotes occasionally because prices tend to go up over time. Just because you had the best price for Passat insurance six months ago a different company probably has better rates today. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to the quickest way to buy cheaper auto insurance.

Comprehensive Insurance Coverage Comparison

There are a lot of ways to compare insurance coverage quotes, but there is one way that is less labor-intensive and much quicker. You can waste hours driving to insurance companies in your area, or you could save time and use online quotes to get the quickest rates.

Most car insurance companies enroll in a system that enables customers to submit one quote, and each company can give them a price based on the submitted data. This prevents consumers from doing quotation requests for each company you want a rate for.

To submit your quote information now, click here to open in new window.

The only drawback to doing it this way is that consumers can’t choose which companies to get quotes from. So if you prefer to choose specific providers to request quotes from, we have a listing of the cheapest insurance coverage companies in your area. Click to view list.

It doesn’t matter which method you choose, just ensure you’re using exactly the same information on every quote. If you compare different liability limits it will be next to impossible to decipher which rate is best. Having just a slight variation in limits could mean much higher rates. And when comparison shopping, having more price comparisons provides better odds of finding a lower rate.

Lower rates by qualifying for discounts

Car insurance companies do not list every available discount very clearly, so we took the time to find both the well known as well as the least known discounts you could be receiving.

  • Low Mileage Discounts – Low mileage vehicles can earn discounted rates on garaged vehicles.
  • Passive Restraints – Cars that have air bags can qualify for discounts of up to 25% or more.
  • Discount for New Cars – Adding a new car to your policy is cheaper since new cars are generally safer.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
  • Memberships – Affiliation with certain professional organizations is a good way to get lower rates when shopping for auto insurance for Passat insurance.
  • Federal Government Employee – Employees or retirees of the government can save as much as 8% for Passat insurance with select insurance companies.
  • Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you could save up to 5%.
  • Senior Citizens – Mature drivers can possibly qualify for reduced rates for Passat insurance.

As a disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. Most only reduce individual premiums such as medical payments or collision. So even though they make it sound like adding up those discounts means a free policy, you won’t be that lucky.

Insurance companies that possibly offer some of the above discounts may include but are not limited to:

Check with every prospective company which discounts they offer. Discounts might not be offered everywhere.

Car insurance is unique, just like you

When it comes to buying the right insurance coverage, there really is not a one size fits all plan. Every insured’s situation is different.

For instance, these questions may help you determine whether your personal situation would benefit from professional advice.

  • Where can I get insurance after a DUI in my state?
  • Are my tools covered if they get stolen from my vehicle?
  • How high should my medical payments coverage be?
  • Should I buy only the required minimum liability coverage?
  • If I drive on a suspended license am I covered?
  • I have health insurance so do I need medical payments coverage?
  • Do I need added coverage for expensive stereo equipment?
  • Where can I find DUI or SR-22 insurance?
  • What are the financial responsibility laws in my state?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form.

Coverages available on your policy

Learning about specific coverages of your auto insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement.

Auto liability insurance

This will cover injuries or damage you cause to a person or their property that is your fault. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims such as emergency aid, repair bills for other people’s vehicles and attorney fees. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hitting a deer, falling objects, damage from flooding and hail damage. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision protection

Collision coverage will pay to fix damage to your Passat resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as colliding with a tree, colliding with another moving vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for expenses for funeral costs, dental work and surgery. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your 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. This is the reason having UM/UIM coverage is important protection for you and your family.