2014 Volkswagen Passat Insurance Quotes

Are you sick and tired of scraping the payment together to insure your Volkswagen every month? You are in the same boat as many other drivers. Because you have many different company options, it can be impossible to choose the right insurer.

It’s a great practice to do rate comparisons at least once a year since rates are rarely the same from one policy term to another. Even if you think you had the lowest rates on Passat coverage a couple years back you may be paying too much now. Starting right now, forget all the misinformation about auto insurance because you’re going to learn the easiest way to reduce your cost while increasing coverage.

Automobile Insurance Quotes

Shopping for lower insurance coverage rates can be challenging if you don’t utilize the most efficient way to do it. You could waste time driving to agents in your area, or you can stay home and use online quotes to get rate comparisons in just a few minutes.

Many of the larger companies enroll in a system that allows shoppers to submit one quote, and each company provides a quote determined by their information. This prevents consumers from doing quotation requests to every company.

To compare 2014 Volkswagen Passat rates now click to open in new window.

The single downside to pricing coverage this way is you don’t know exactly the insurers you will receive quotes from. If you would rather choose specific insurance companies to compare rates, we have a listing of the cheapest insurance coverage companies in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but ensure you are comparing exactly the same quote information for every company. If the quotes have unequal deductibles or liability limits you will not be able to truly determine the lowest rate.

You probably qualify for some discounts

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that can drop the cost substantially. Most are applied at the time of purchase, but a few need to be asked about in order for you to get them. If you aren’t receiving every discount possible, you are throwing money away.

  • Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class in school.
  • Paperless Signup – A handful of insurance companies will discount your bill up to fifty bucks just for signing your application over the internet.
  • Homeowners Savings – Owning a house may earn you a small savings because of the fact that having a home demonstrates responsibility.
  • Auto/Home Discount – If you insure your home and vehicles with one company you may save approximately 10% to 15%.
  • Anti-theft System – Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Claim Free – Good drivers with no accidents pay less compared to bad drivers.
  • Early Signing – Some companies give discounts for switching to them before your current expiration date. This can save 10% or more.
  • Good Students Pay Less – Getting good grades can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
  • Distant Student – Kids in college who live away from home and don’t have a car may qualify for this discount.

Consumers should know that some of the credits will not apply to the entire cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like having all the discounts means you get insurance for free, companies don’t profit that way. But any discount will reduce your overall premium however.

For a list of insurers with the best insurance coverage discounts, click this link.

There’s no such thing as the perfect policy

When it comes to buying proper insurance coverage, there really is not a one size fits all plan. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that can help discover whether your personal situation may require specific advice.

  • Can my teen drive my company car?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Is my ex-spouse still covered by my policy?
  • How does medical payments coverage work?
  • Why do I only qualify for high-risk insurance?
  • Am I covered if I drive in a foreign country?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

Why your Volkswagen Passat insurance rates may be high

It’s important that you understand the factors that play a part in calculating the rates you pay for auto insurance. Having a good understanding of what controls the rates you pay helps enable you to make changes that may reward you with big savings.

  • Women pay lower rates – Statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that men are worse drivers. Both sexes cause accidents at about the same rate, but the men cause more damage. Men also statistically have more aggressive citations like DUI and reckless driving. Young males are the most expensive to insure and thus pay the highest rates.
  • Do you have a high stress job? – Occupations like real estate brokers, social workers and dentists tend to have the highest average rates due to high stress levels and lots of time spent at work. Other occupations such as farmers, historians and retirees receive lower rates on Passat coverage.
  • Poor credit can mean higher rates – A driver’s credit score is a big factor in determining your rates. People with good credit tend to be more responsible than drivers with poor credit. Therefore, if your credit is low, you could be paying less to insure your 2014 Volkswagen Passat by improving your credit score.
  • Older drivers save more – Older drivers are viewed as being more responsible, tend to cause fewer accidents and get fewer tickets. Teenage drivers tend to get distracted easily behind the wheel therefore auto insurance rates are much higher.
  • One company can mean more discounts – Some auto insurance companies give discounts to customers who buy several policies from them such as combining an auto and homeowners policy. Discounts can be ten or even up to twenty percent in some cases. Even though this discount sounds good, you may still want to compare rates to verify if the discount is saving money.

Specific coverage details

Having a good grasp of a auto insurance policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types found on the average auto insurance policy.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for short-term medical expenses for dental work, X-ray expenses and funeral costs. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible

Comprehensive auto insurance

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, a tree branch falling on your vehicle, damage from flooding, hail damage and hitting a bird. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision insurance

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like scraping a guard rail, backing into a parked car and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

This coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2014 Volkswagen Passat.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Normally these coverages do not exceed the liability coverage limits.

Liability car insurance

This can cover injuries or damage you cause to people or other property. This insurance protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as repair costs for stationary objects, medical expenses, pain and suffering, emergency aid and medical services. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

In any little way, save everyday

Lower-priced 2014 Volkswagen Passat insurance is attainable both online in addition to many insurance agents, so you should compare both in order to have the best price selection to choose from. Some insurance companies do not provide you the ability to get quotes online and these regional insurance providers work with independent agents.

We’ve covered quite a bit of information on how to reduce insurance prices online. The most important thing to understand is the more providers you compare, the higher your chance of finding lower rates. You may even discover the most savings is with the smaller companies. Smaller companies can often provide lower rates in certain areas than their larger competitors like Progressive and Geico.

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