2015 Volkswagen Passat Car Insurance Quotes – 8 Tips for Best Rates

Searching for the cheapest insurance for a Volkswagen Passat can normally be a lot of work, but you can learn these tips to find lower rates.

There are both good and bad ways to find car insurance online so we’re going to tell you the quickest way to price shop coverage for a Volkswagen and obtain the lowest possible price either online or from local insurance agents.

Insurance Coverage Comparisons

Finding lower insurance coverage rates doesn’t have to be difficult. You just need to take time comparing rates from different insurance companies. This can be done in several different ways.

The easiest and least time consuming way to compare a lot of rates at once is a comparison rater form click to view form in new window. This type of form eliminates the need for separate quote forms to each individual insurance coverage company. One form will return price quotes from insurance coverage companies with the best prices. This is perfect if you don’t have a lot of time.
Another way to find lower rates requires a visit to the website of each company to complete a price quote. For instance, let’s say you want to compare Geico, State Farm and American Family. To get rate quotes you would need to go to every website and enter your policy data, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
The hardest method of comparing rate quotes is to spend time driving to insurance agents’ offices. The internet eliminates the need for an insurance agent unless you have a need for the personal advice of a local agent. It is possible to price shop your coverage online and get advice from an agent in your area and we’ll touch on that later.

It’s your choice how you get your quotes, but make sure you use exactly the same coverage limits on every quote. If you have different deductibles it’s not possible to determine the best price for your Volkswagen Passat.

Save with discounts on Volkswagen Passat insurance

Car insurance is not cheap, buy you may qualify for discounts to help bring down the price. Some discounts apply automatically at the time of purchase, but lesser-known reductions have to be specifically requested before they will apply. If you’re not getting every credit available, you are throwing money away.

Sign Online – A handful of insurance companies will give a small break just for signing your application over the internet.
Discount for Swiching Early – A few companies offer discounts for signing up before your current policy expires. The savings is around 10%.
Accident Waiver – Certain companies permit an accident before raising your premiums if your claims history is clear for a certain period of time.
Club Memberships – Being a member of a qualifying organization may earn a discount when shopping for insurance on Passat insurance.
Accident Free – Drivers who don’t have accidents pay less as compared to accident-prone drivers.
Low Mileage Discounts – Fewer annual miles on your Volkswagen can earn lower rates on the low mileage vehicles.
Anti-lock Brakes – Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
Auto/Life Discount – Larger companies have a discount if you purchase life insurance from them.

Keep in mind that most discounts do not apply to the entire cost. The majority will only reduce individual premiums such as liability and collision coverage. Just because you may think it’s possible to get free car insurance, it just doesn’t work that way. Any qualifying discounts will help reduce your premiums.

For a list of insurers who offer insurance discounts, follow this link.

Tailor your coverage to you

When buying the best car insurance coverage, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might point out if you would benefit from professional advice.

Is my nanny covered when driving my vehicle?
Will my vehicle be repaired with OEM or aftermarket parts?
Can I get a multi-policy discount for packaging my home and auto coverage?
Are my tools covered if they get stolen from my vehicle?
Am I covered by my spouse’s policy after a separation?
Should I put collision coverage on all my vehicles?
Will my rates increase for filing one claim?
When would I need additional glass coverage?
What discounts do I qualify for?

If you’re not sure about those questions, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and you can get the answers you need.

What car insurance coverages do you need?

Understanding the coverages of your car insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for pain medications, hospital visits, chiropractic care and surgery. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

Coverage for uninsured or underinsured drivers

This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Volkswagen Passat.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Normally these coverages are similar to your liability insurance amounts.

Liability coverage

Liability coverage provides protection from damages or injuries you inflict on other people or property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 that means you have $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. Occasionally you may see a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as medical expenses, repair costs for stationary objects, attorney fees, pain and suffering and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Comprehensive car insurance

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from getting keyed, hitting a bird, hitting a deer, a broken windshield and vandalism. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage

This coverage pays for damage to your Passat resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like colliding with another moving vehicle, colliding with a tree, scraping a guard rail and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.