Strategies for Buying the Lowest Volkswagen Passat Insurance Prices

Nobody I know cherishes buying auto insurance, particularly when the cost is way too high. Multiple insurers compete to insure your vehicles, and it can be difficult to compare rates and uncover the absolute best rate

Volkswagen Passat insurance rates have many determining factors

An important part of buying insurance is that you know the factors that help determine auto insurance rates. Having a good understanding of what determines base rates allows you to make educated decisions that could result in much lower annual insurance costs.

The following are some of the items companies use to determine premiums.

  • Clean credit earns discounts – Having a bad credit score is a important factor in determining your rates. Drivers with high credit scores tend to file fewer claims and have better driving records as compared to drivers with lower credit ratings. If your credit history is low, you could potentially save money when insuring your Volkswagen Passat by spending a little time repairing your credit.
  • Performance influences rates – The performance of the car you are insuring makes a huge difference in your rates. The most favorable rates tend to be for lower performance four cylinder passenger cars, but the cost you end up paying is determined by many additional factors. Because the Volkswagen Passat is considered a compact car, insuring your vehicle will cost the same to a little lower compared to average rates.
  • One company can mean more discounts – Many auto insurance companies will give a discount to people who buy several policies from them in the form of a multi-policy discount. Even with this discount, you may still want to compare rates to make sure you are getting the best deal. You may still find a better deal by splitting coverages up.
  • Teen drivers pay high rates – Older drivers are more cautious drivers, tend to file fewer claims and get fewer tickets. Teen drivers are known to be more careless behind the wheel therefore auto insurance rates are much higher.
  • Do you have a high stress job? – Jobs such as doctors, executives and financial analysts tend to have higher average rates due to high stress levels and long work hours. Conversely, professions such as scientists, engineers and retirees receive lower rates on Passat coverage.
  • Don’t let your coverage lapse – Allowing your coverage to lapse will be a fast way to increase your auto insurance rates. And not only will insurance be more expensive, but not being able to provide proof of insurance may earn you a steep fine or even jail time.Then you may be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
  • Do you have enough liability coverage? – Liability coverage is the protection when a court rules you are at fault for personal injury or accident damage. It provides legal defense coverage up to the limits shown on your policy. Liability insurance is quite affordable when compared with rates for comp and collision, so do not skimp.

Comprehensive Auto Insurance Comparison

There are a variety of methods to compare auto insurance quotes, but one way is easier and takes less work. You could spend your day talking to insurance companies in your area, or you could save time and use online quoting to get the quickest rates.

Many of the larger companies belong to a marketplace that allows shoppers to complete one form, and each participating company can provide price quotes based on that information. This prevents consumers from doing form submissions to each individual auto insurance company.

To find out what other companies charge click to open in new window.

The single downside to getting quotes like this is that you can’t choose the companies to get pricing from. If you would rather choose from a list of companies to compare rates, we have a page of companies who write auto insurance in your area. View list of insurance companies.

It’s up to you which method you use, but ensure you’re using identical coverages and limits for every quote you compare. If each company quotes higher or lower deductibles it’s impossible to make a fair comparison for your Volkswagen Passat.

Do drivers who switch really save?

Consumers constantly see and hear ads that promise big savings from the likes of Progressive, GEICO, Allstate and State Farm. All the ads say the same thing that you’ll save big if you change your coverage to them. insurance prices

How does each company claim to save you money?

Different companies are able to cherry pick for the driver that makes them money. For example, a profitable customer could be over the age of 40, is a homeowner, and drives newer vehicles. A driver who meets those qualifications will qualify for the lowest rates and as a result will probably cut their rates substantially.

Consumers who don’t measure up to the requirements must pay higher premiums and this can result in business not being written. Company advertisements say “people who switch” not “people who quote” save money. That is how insurance companies can confidently claim big savings.

This illustrates why you need to get as many comparisons as possible. It is impossible to predict which company will fit your personal profile best.

Companies offer discounts so take them!

Properly insuring your vehicles can get expensive, but there are discounts available to help offset the cost. Most are applied when you quote, but some may not be applied and must be requested specifically prior to getting the savings. If you don’t get every credit possible, you are paying more than you should be.

  • Senior Discount – If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums on Passat coverage.
  • Good Student Discount – A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
  • Auto/Life Discount – Some companies give a discount if you purchase a life insurance policy as well.
  • Save with a New Car – Insuring a new car can cost up to 25% less due to better safety requirements for new cars.
  • Club Memberships – Belonging to a civic or occupational organization could qualify you for a break when buying auto insurance on Passat coverage.

It’s important to understand that many deductions do not apply to the entire cost. Most only apply to the price of certain insurance coverages like comprehensive or collision. So when the math indicates adding up those discounts means a free policy, you’re out of luck. Any qualifying discounts will help reduce the amount you have to pay.

For a list of companies with the best auto insurance discounts, click here.

But buying car insurance online seems impersonal

Some people just want to buy from a local agent. Professional agents are trained to spot inefficiencies and help you file claims. One of the great benefits of price shopping on the web is you may find the best rates and still have an agent to talk to. Buying from local insurance agencies is important especially in smaller communities.

After completing this simple form, your information is immediately sent to local insurance agents who will give you bids for your coverage. You never need to leave your computer since price quotes are sent straight to your inbox. How cool is that?!

compare Volkswagen Passat insurance prices

If you prefer to view a list of agents in your state to contact, click here.

Choosing an provider requires more thought than just the premium amount. These questions are important to ask:

  • Can they provide you with a list of referrals?
  • Do the coverages you’re quoting properly cover your vehicle?
  • What are the financial ratings for the companies they represent?
  • Do they make recommendations based only on price?
  • How are they compensated?
  • Can glass repairs be made at your home?
  • If you have an accident, will your rates go up?
  • Are claim adjusters local or do you have to take your car somewhere else?

Upon getting answers to your satisfaction and an acceptable price quote, chances are good that you have found an provider that is a good match to insure your vehicles.

Online plus local equals savings

Budget-conscious Volkswagen Passat insurance is definitely available both online and with local insurance agents, so compare prices from both so you have a total pricing picture. Some companies do not offer the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

As you shop your coverage around, never buy poor coverage just to save money. There have been many cases where someone dropped full coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to get the best coverage possible at a price you can afford.