2016 Volkswagen Passat Insurance Quotes

Having to pay for overpriced Volkswagen Passat insurance can empty your savings account and force you to make sacrifices. Insurance companies such as State Farm, Geico and Farmers Insurance persitently shower you with advertising and it can be hard to ignore the flying pigs and cute green geckos and find the best price available.

You should take the time to compare prices before your next renewal because prices tend to go up over time. Just because you found the best price for Passat insurance six months ago you may be paying too much now. Forget all the misinformation about auto insurance because it’s time to teach you one of the quickest ways to save on auto insurance.

If you are insured now or need a new policy, you can use these techniques to find the best rates while maintaining coverages. Buying car insurance is quite easy. Vehicle owners just need to know the best way to shop online.

Insurance quotes comparison

The majority of larger companies like Geico, State Farm and Progressive make it easy to get pricing on the web. Getting online rates is fairly simple because you just enter the coverages you want into the form. When complete, the quote system gets your credit score and driving record and generates pricing information based on these and other factors. This simplifies rate comparisons, but the time required to go to each company’s website and repetitively fill out multiple forms is repetitive and time-consuming. But it’s absolutely necessary to get many rate quotes if you want to get better prices.

A quicker way to get multiple rate quotes uses one simple form to get prices from multiple companies. This type of form saves time, reduces the work, and makes online price comparison much simpler. As soon as the form is sent, it is rated and you can select any of the price quotes you receive.

If a lower price is quoted, you simply finish the application and buy the new coverage. The entire process can be completed in less than 10 minutes and you will know how your current rates stack up.

To quickly find out how much you can save on insurance, click here and begin entering your coverage information. If you have a policy now, it’s recommended you copy deductibles and limits as close as possible to your current policy. This helps ensure you’re receiving an apples-to-apples comparison using the same coverage and limits.

Auto insurance companies offer lots of discounts

Insurance can be prohibitively expensive, but companies offer discounts that can help lower your rates. A few discounts will be applied at the time of purchase, but a few must be specifically requested before you will receive the discount. If you check and find you aren’t receiving every discount you deserve, you could be paying more than you need to.

  • Auto/Life Discount – Not all auto insurance companies offer life insurance, but some may give you a lower premium rate if you buy some life insurance in addition to your auto policy.
  • Multiple Vehicles – Insuring several vehicles on one policy could earn a price break for each car.
  • Driver Training Discounts – Participating in a class that teaches defensive driving techniques is a good idea and can lower rates if your company offers it.
  • Safety Restraint Discount – Forcing all vehicle occupants to fasten their seat belts may be able to save a few bucks on the medical payments or PIP coverage costs.
  • Sign Online – Some insurance companies provide a small discount for signing up online.
  • Sign Early and Save – A few larger companies offer discounts for signing up before your current coverage expires. You may see this discount when you get insurance quotes online.
  • Discounts for Cautious Drivers – Accident-free drivers can get discounts for up to 45% lower rates for Passat insurance compared to accident prone drivers.

A little disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. The majority will only reduce individual premiums such as liability and collision coverage. Just because you may think all those discounts means the company will pay you, it just doesn’t work that way.

Larger auto insurance companies and their possible discounts are:

  • Progressive offers discounts including multi-vehicle, multi-policy, online signing, continuous coverage, online quote discount, and good student.
  • Geico may offer discounts for federal employee, daytime running lights, air bags, good student, and membership and employees.
  • State Farm has savings for good driver, anti-theft, defensive driving training, good student, multiple autos, and passive restraint.
  • Esurance has discounts for emergency road assistance, defensive driver, good student, safety device, multi-policy, good driver, and DriveSense.
  • The Hartford offers premium reductions for anti-theft, bundle, driver training, defensive driver, and vehicle fuel type.

If you need lower rates, check with all companies you are considering which discounts you qualify for. Some credits might not be offered on policies everywhere. If you would like to choose from a list of auto insurance companies who offer online auto insurance quotes, follow this link.

Do I just need basic coverages?

When choosing adequate coverage for your vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions might point out whether or not you will benefit from professional help.

  • Am I covered when driving a rental car?
  • Is my 2016 Volkswagen Passat covered for smoke damage?
  • How much can I save by bundling my policies?
  • How can I get my company to pay me more for my totalled car?
  • Should I have a commercial auto policy?
  • What is an SR-22 filing?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I need an umbrella policy?
  • Should I bundle my homeowners policy with my auto?

If it’s difficult to answer those questions, then you may want to think about talking to 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.

Auto insurance coverage information

Learning about specific coverages of your car insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are the usual coverages found on most car insurance policies.

Liability car insurance – Liability insurance will cover injuries or damage you cause to other people or property in an accident. This coverage protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against claims like bail bonds, medical services, repair costs for stationary objects and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive car insurance – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from getting keyed, damage from a tornado or hurricane and hail damage. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage – This pays to fix your vehicle from damage 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 coverage protects against things such as hitting a mailbox, sideswiping another vehicle, backing into a parked car and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these limits are identical to your policy’s liability coverage.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance pay for immediate expenses like funeral costs, prosthetic devices, X-ray expenses and pain medications. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay