Cheap 2018 Volkswagen Passat Car Insurance Quotes

No one fancies paying their premiums for car insurance, especially when they could find better prices if they shop around. Many insurance companies vie for your business, so it’s not easy to compare every insurer to find the lowest rate

It’s a good idea to compare rates yearly because prices are constantly changing. Even if you got the best deal on Passat insurance at your last renewal you will most likely find a better premium rate today. There is lot of inaccurate information about car insurance out there, but in this article, you’re going to get a lot of great tips on how to find affordable car insurance.

Cheap insurance

There are multiple methods you can shop for insurance but one way is easier and takes less work. You could spend your day driving to insurance agencies in your area, or you can stay home and use online quoting to get prices fast.

Many companies belong to an insurance system where insurance shoppers submit one quote, and at least one company can give them a price based on that data. This system prevents you from having to do quotation requests for every insurance company.

To enter your information into the quoting system, click here to start a free quote.

The one disadvantage to comparing rates this way is you can’t choose which companies to get pricing from. So if you want to select specific providers to receive pricing from, we have a listing of the cheapest insurance companies in your area. View list of insurance companies.

Whichever way you use, compare equivalent coverage limits and deductibles for every company. If you use different coverage information it’s not possible to find the best deal for your Volkswagen Passat.

Verify you’re applying every discount

Insurance can be prohibitively expensive, but there may be some discounts that many people don’t even know exist. A few discounts will be applied at the time you complete a quote, but a few must be asked about prior to getting the savings. If you aren’t receiving every discount you deserve, it’s possible you qualify for a lower rate.

  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if it’s offered in school.
  • Air Bags and Passive Restraints – Factory air bags can get savings up to 30%.
  • Anti-lock Brake System – Cars, trucks, and SUVs that have anti-lock braking systems are much safer to drive so you can save 10 percent or more.
  • No Claim Discounts – Insureds who avoid accidents and claims can earn big discounts compared to drivers who are more careless.
  • Distant Student – College-age children who are enrolled in higher education away from home and won’t have access to an insured vehicle could get you a discount.
  • Own a Home – Just being a homeowner can help you save on insurance because of the fact that having a home is proof of financial responsibility.

Please keep in mind that most discount credits are not given to your bottom line cost. A few only apply to the cost of specific coverages such as medical payments or collision. So even though they make it sound like you could get a free insurance policy, you won’t be that lucky.

A few popular companies and a summarized list of policyholder discounts are included below.

  • Progressive offers premium reductions for good student, homeowner, online signing, online quote discount, continuous coverage, multi-vehicle, and multi-policy.
  • Farmers Insurance may have discounts that include business and professional, homeowner, youthful driver, distant student, early shopping, and alternative fuel.
  • Farm Bureau may include discounts for driver training, youthful driver, renewal discount, safe driver, multi-policy, multi-vehicle, and 55 and retired.
  • State Farm policyholders can earn discounts including multiple policy, driver’s education, student away at school, safe vehicle, passive restraint, and multiple autos.
  • Geico offers discounts for federal employee, membership and employees, five-year accident-free, good student, multi-vehicle, multi-policy, and driver training.
  • SAFECO has savings for anti-lock brakes, teen safety rewards, teen safe driver, homeowner, safe driver, anti-theft, and accident prevention training.
  • Liberty Mutual has discounts for teen driver discount, preferred payment discount, new vehicle discount, multi-policy, multi-car, exclusive group savings, and newly married.

If you need cheap auto insurance quotes, ask each company or agent how many discounts you can get. Some credits might not apply in your area. To view insurance companies that offer some of these discounts, click this link.

Five factors that influence insurance prices

Lots of factors are taken into consideration when you quote your car insurance policy. Some factors are common sense like your driving record, but other criteria are not quite as obvious like where you live or how safe your car is.Smart consumers have a good feel for the factors that play a part in calculating the level of your policy premiums. When consumers understand what determines base rates, this empowers consumers to make smart changes that can earn you much lower annual insurance costs.

The list below includes some of the most rate-impacting factors auto insurance companies consider when setting your rates.

  • Prevent auto insurance policy lapses – Having a lapse in insurance coverage can be a sure-fire way to drive up your policy premiums. Not only will you pay higher rates, getting caught without coverage may result in fines or a revoked license.
  • Vocation can influence prices – Do you have a high-stress occupation? Occupations like military generals, executives and dentists are shown to have the highest average rates due to high stress levels and incredibly demanding work hours. Conversely, occupations such as professors, engineers and performers have lower than average premiums on Passat insurance.
  • Do you know your comp and collision deductibles? – The deductibles represent how much money you are willing to pay before a claim is paid by your company. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some instances where coverage would apply are rearending another vehicle, animal collisions, or theft of your vehicle. The more the insured has to pay upfront, the bigger discount you will receive on Passat insurance.
  • Stay claim-free and reduce rates – If you frequently file small claims, you can definitely plan on much higher rates or policy non-renewal. Auto insurance companies award most affordable rates to people who only file infrequent claims. Auto insurance is designed for claims that you cannot pay yourself.
  • Marriage is a factor – Having a significant other may cut your premiums when shopping for auto insurance. Having a significant other is viewed as being more responsible and it’s statistically proven that married drivers get in fewer accidents.

When should I discuss my situation with an agent?

When buying the best auto insurance coverage, there really is no “best” method to buy coverage. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining whether your personal situation could use an agent’s help.

  • Am I covered when driving someone else’s vehicle?
  • Will filing a claim cost me more?
  • How much can I save by bundling my policies?
  • Is other people’s property covered if stolen from my vehicle?
  • Why am I required to buy liability insurance?
  • Is my 2018 Volkswagen Passat covered for flood damage?
  • How does medical payments coverage work?
  • When do I need to add a new car to my policy?
  • What if I total my 2018 Volkswagen Passat and owe more than it’s worth?
  • When should my teen driver be added to my policy?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find 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, doesn’t cost anything and may give you better protection.

Insurance companies are expert advertisers

Drivers can’t get away from all the ads that promise big savings from the likes of State Farm, Geico and Progressive. They all seem to say the same thing that drivers will save a bundle just by moving your policy.

How is it plausible that every one can give you a lower rate? Here is how they do it.

Insurance companies quote their cheapest rates for the type of driver that will generate a profit. One example of a desirable risk should be a married male, owns a home, and drives less than 5,000 miles a year. Any customer who meets those qualifications will qualify for the lowest car insurance rates and is almost guaranteed to save when they switch companies.

People who fall short of these standards will get a more expensive rate and this can result in the customer not buying. The ad wording is “drivers that switch” not “everyone that quotes” can save as much as they claim. That’s why companies can advertise the savings.

Each company has different criteria, so you should do a price quote comparison at every renewal. Because without a comparison, you cannot know which insurance companies will fit your personal profile best.

Insurance policy coverages for a Volkswagen Passat

Knowing the specifics of a insurance policy aids in choosing the best coverages for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverage types offered by insurance companies.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like sustaining damage from a pot hole, backing into a parked car, damaging your car on a curb and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Liability coverages – This provides protection from injuries or damage you cause to people or other property in an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as repair costs for stationary objects, pain and suffering, repair bills for other people’s vehicles and bail bonds. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Frequently these limits are similar to your liability insurance amounts.

Medical payments and PIP coverage – Med pay and PIP coverage provide coverage for short-term medical expenses for things like pain medications, rehabilitation expenses, doctor visits, nursing services and chiropractic care. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive auto coverage – Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as falling objects, a broken windshield, rock chips in glass, hail damage and damage from a tornado or hurricane. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Don’t be a big spender

When getting auto insurance quotes online, make sure you don’t buy lower coverage limits just to save a few bucks. There are a lot of situations where someone sacrificed collision coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to find the BEST coverage for the lowest price.

Low-cost 2018 Volkswagen Passat insurance can be bought on the web and with local insurance agents, so get free auto insurance quotes from both of them to have the best selection. Some insurance companies don’t offer rates over the internet and many times these small insurance companies provide coverage only through independent agents.

Throughout this article, we presented a lot of ways to shop for 2018 Volkswagen Passat insurance online. The key thing to remember is the more price quotes you have, the higher your chance of finding affordable auto insurance. Consumers could even find that the lowest prices are with some of the smallest insurance companies. These companies may have significantly lower rates on certain market segments than the large multi-state companies such as Allstate or State Farm.

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