Lower Your 2007 Volkswagen Passat Insurance Rates

Are you sick and tired of wondering where the money will come from to pay high insurance coverage rates every month? You’re in the same situation as most other vehicle owners.

Multiple car insurance companies compete to insure your vehicles, and because of this it can be hard to compare insurance companies and uncover the absolute best rate

It is always a good idea to compare prices yearly because prices change frequently. Just because you found the best rate on Passat coverage at your last renewal you can probably find a lower rate today. Forget anything you know (or think you know) about insurance coverage because it’s time to teach you the things you must know in order to find lower rates on insurance coverage.

If you are paying for car insurance now, you should be able to reduce your rates substantially using these methods. Finding affordable coverage is easy if you know what you’re doing. Although consumers should learn the way companies compete online and apply this information to your search.

Volkswagen Passat insurance rates can be lower

Many different elements are part of the equation when you quote your car insurance policy. Some are obvious like a motor vehicle report, but other factors are less apparent such as your credit history and annual miles driven.

• Save money by having multiple policies – Many insurers allow better rates for people that purchase more than one policy. It’s known as a multi-policy discount. This can amount to five, ten or even twenty percent. Even with this discount applied, it’s still a good idea to compare other company rates to help guarantee you have the best rates. It’s possible to still save more without the discount by splitting coverages up.
• A lauto insurance policy lapse is a bad thing – Having an insurance coverage lapse can be a quick way to bump up your auto insurance costs. Not only will rates go up, failure to provide proof of insurance could result in a fine, jail time, or a revoked license. You may then be required to prove you have insurance by filing a SR-22 with your state DMV.
• Alarm systems lower prices – Driving a car with advanced anti-theft systems can get you a discount on your auto insurance. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart auto theft.
• Improve your credit score – A driver’s credit rating is likely to be a major factor in your rate calculation. Insureds that have good credit tend to file fewer claims than those with lower credit scores. If your credit rating leaves room for improvement, you could save money insuring your 2007 Volkswagen Passat if you improve your credit rating.
• Lower auto insurance rates by staying claim free – If you file claims often, you can definitely plan on much higher rates or policy non-renewal. Insurance companies award the best rates to policyholders who are not frequent claim filers. Auto insurance is intended for claims that you cannot pay yourself.

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More discounts mean affordable premiums

Insurance can be prohibitively expensive, but there are discounts available that you may not know about. Some of these disounts will be visible when you purchase, but less common discounts must be specifically requested before you get the savings. If you check and find you aren’t receiving every discount possible, you’re just leaving money on the table.

• Homeowners Savings – Simply owning a home may earn you a small savings because of the fact that having a home is proof of financial responsibility.
• Save with a New Car – Putting coverage on a new car is cheaper since new model year vehicles have better safety ratings.
• Anti-theft Discount – Anti-theft and alarm system equipped vehicles are stolen less frequently and can earn a small discount on your policy.
• Safety Restraint Discount – Buckling up and requiring all passengers to use their safety belts can save up to 15% off PIP or medical payments premium.
• Pay Upfront and Save – If you pay your bill all at once instead of paying each month you may reduce your total bill.
• Military Deployment Discount – Being deployed with a military unit could be rewarded with lower premium rates.
• Driver’s Ed – Require your teen driver to sucessfully take a drivers education course in high school.

Drivers should understand that some credits don’t apply to the entire cost. Some only reduce the cost of specific coverages such as comp or med pay. Even though it may seem like you could get a free auto insurance policy, you’re out of luck.

Large auto insurance companies and the discounts they provide can be found below.

• The Hartford offers premium reductions for air bag, driver training, defensive driver, vehicle fuel type, anti-theft, and good student.
• American Family may have discounts that include TimeAway discount, bundled insurance, good student, Steer into Savings, and early bird.
• Progressive may include discounts for continuous coverage, online quote discount, online signing, homeowner, and good student.
• Travelers offers discounts including driver training, continuous insurance, save driver, multi-car, payment discounts, early quote, and student away at school.
• Farmers Insurance has savings for distant student, homeowner, electronic funds transfer, multi-car, and good student.
• USAA includes discounts for loyalty savings, defensive driver, safe driver, vehicle storage, and driver training.
• Liberty Mutual offers discounts for newly retired, teen driver discount, hybrid vehicle, exclusive group savings, preferred payment discount, new vehicle discount, and good student.

Before buying, ask every insurance company which discounts you qualify for. Some of the earlier mentioned discounts may not apply to policyholders in every state. To view insurance companies that offer the discounts shown above, click this link.

It’s not one size fits all

When buying the right insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique so your insurance should reflect that For example, these questions might help in determining whether you may require specific advice.

• Am I covered when driving someone else’s vehicle?
• Does liability extend to a camper or trailer?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• When does my teenage driver need to be added to my policy?
• Does my car insurance cover rental cars?
• Will I be non-renewed for getting a DUI or other conviction?
• What exactly is covered by my policy?
• Why do I need rental car insurance?
• Why is insurance for a teen driver so high?
• Will filing a claim cost me more?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of car insurance companies in your area.

Insurance policy specifics

Having a good grasp of insurance aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverages offered by insurance companies.

Comprehensive coverage

Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from getting keyed, fire damage, falling objects, damage from flooding and hitting a bird. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and damage to your Volkswagen Passat.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for bills such as prosthetic devices, nursing services, ambulance fees, hospital visits and funeral costs. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Coverage for collisions

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as colliding with a tree, damaging your car on a curb, backing into a parked car and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Liability car insurance

This will cover damage or injury you incur to other’s property or people that is your fault. It protects you from claims by other people, and does not provide coverage for 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 liability limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against things like court costs, emergency aid, repair bills for other people’s vehicles, medical expenses and medical services. How much liability coverage do you need? That is your choice, but buy as large an amount as possible.

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Get your money’s worth

Affordable 2007 Volkswagen Passat insurance can be purchased from both online companies and from local insurance agents, and you need to price shop both so you have a total pricing picture. A few companies may not have the ability to get a quote online and many times these regional insurance providers only sell coverage through independent insurance agents.

We just presented a lot of tips how to lower your 2007 Volkswagen Passat insurance rates. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from a company that doesn’t do a lot of advertising. These smaller insurers may have significantly lower car insurance rates on certain market segments as compared to the big name companies such as Allstate and Progressive.

Much more information about insurance coverage can be found on the following sites:

• Should I Buy a New or Used Car? (Allstate)
• Auto Insurance FAQ (Farmers Insurance)
• Red Light Cameras (State Farm)
• Collision Coverage (Liberty Mutual)
• Teen Driver Licensing Information (iihs.org)
• Preventing Carjacking and Theft (Insurance Information Insitute)

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