2008 Volkswagen Passat Insurance Cost

Want better car insurance rates for your Volkswagen Passat? Trying to come up with a payment for overpriced car insurance can bleed your personal savings and put the squeeze on your family’s finances. Lots of insurers contend to insure your vehicles, and because of this it can be hard to compare car insurance companies to find the absolute best price available.

Compare free insurance coverage quotes

Cutting your insurance coverage rates is not a difficult process. The only requirement is to take time comparing rate quotes provided by online insurance companies. Insurance prices can be quoted using a couple different methods.

The most efficient way consumers can make multiple comparisons is to use a rate comparison form click here to open form in new window. This type of form keeps you from doing separate quotation requests for each company. Taking the time to complete one form will get you price quotes from multiple low-cost companies.

A more time consuming way to analyze rates requires a visit to the website for every company you want to comare and repeat the quote process. For sake of this example, we’ll assume you want to view quotes from Allstate, Liberty Mutual and GMAC. You would have to spend time going to each site individually and repeatedly enter your information, which can get rather old.

For a list of links to companies insuring cars in your area, click here.

The most time-consuming way to price shop rates is driving around to insurance agencies in your area. Quoting online makes this unnecessary unless you require the trained advice that you can only get from talking to an agent. You can, however, compare the best prices online but have your policy serviced through an agent.

Which method you use is up to you, but make sure you compare the exact same coverages and limits on every quote you get. If you have different data you can’t possibly determine which rate is truly the best.

You may need specialized auto insurance coverage

When buying coverage, there really is not a “perfect” insurance plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For instance, these questions could help you determine if your situation might need professional guidance.

• Can I afford to buy a different vehicle if my 2008 Volkswagen Passat is totaled?
• Is motorclub coverage worth it?
• Are all vehicle passengers covered by medical payments coverage?
• Does car insurance cover theft of personal property?
• Where can I find DUI or SR-22 insurance?
• Is my nanny covered when driving my vehicle?

If you can’t answer these questions, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance policy specifics

Learning about specific coverages of your policy can be of help when determining the right coverages at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages available from auto insurance companies.

Coverage for liability

This provides protection from injuries or damage you cause to people or other property. It protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability insurance covers things like medical expenses, legal defense fees and emergency aid. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and also any damage incurred to your Volkswagen Passat.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision insurance

This pays to fix your vehicle from damage resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as crashing into a building, sideswiping another vehicle, hitting a mailbox, damaging your car on a curb and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive insurance

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like damage from flooding, vandalism, damage from a tornado or hurricane and hitting a bird. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like ambulance fees, rehabilitation expenses, prosthetic devices, pain medications and EMT expenses. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage