Cheap 2009 Volkswagen Passat Insurance Cost

Consumers have many options when looking for affordable Volkswagen Passat insurance. You can either waste hours contacting agents trying to get quotes or utilize the internet to make rate comparisons. There are both good and bad ways to find car insurance online so you’re going to learn the quickest way to compare rates for a new or used Volkswagen and obtain the cheapest rates either online or from local insurance agents.

It’s important to shop coverage around every six months because insurance prices go up and down regularly. Even if you got the lowest rates for Passat coverage a few years ago the chances are good that you can find a lower premium rate today. There is a lot of bad information regarding car insurance on the internet, but we’re going to give you some good information on how to quit paying high car insurance rates.

Discounts for affordable auto insurance quotes

Auto insurance is not an enjoyable expense, but you might already qualify for some discounts that you may not even be aware of. Some trigger automatically at the time of quoting, but some discounts are required to be inquired about prior to getting the savings. If you check and find you aren’t receiving every discount possible, you’re just leaving money on the table.

• Defensive Driver – Completing a defensive driver class could earn you a small percentage discount depending on where you live.
• Smart Student Discounts – Performing well in school can get you a discount of up to 25%. You can use this discount normally up to age 25.
• Braking Control Discount – Cars and trucks with ABS and/or traction control have fewer accidents and will save you 10% or more.
• Early Renewal Discounts – Some insurance companies provide a discount for switching companies before your current expiration date. You may see this discount when you get auto insurance quotes online.
• Telematics Data Discounts – Insureds who allow their company to spy on driving patterns by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive could save a few bucks if they show good driving skills.
• Discounts for Federal Employees – Having worked for a branch of the government could cut as much as 10% off for Passat coverage depending on your company.
• Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% for Passat coverage compared to accident prone drivers.
• Accident Waiver – Not really a discount, but a handful of insurance companies will turn a blind eye to one accident without getting socked with a rate hike if your claims history is clear for a set time period.
• Auto/Home Discount – If you have multiple policies and insure them with the same company you may save approximately 10% to 15%.

A quick disclaimer, most discounts do not apply the the whole policy. Most cut the cost of specific coverages such as liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

Popular auto insurance companies and some of the discounts can be found below.

• Farm Bureau discounts include multi-vehicle, multi-policy, 55 and retired, renewal discount, driver training, and safe driver.
• MetLife has discounts for multi-policy, claim-free, defensive driver, good student, good driver, and accident-free.
• Progressive offers discounts including online quote discount, continuous coverage, homeowner, online signing, and good student.
• AAA may include discounts for pay-in-full, AAA membership discount, multi-car, good driver, good student, education and occupation, and anti-theft.
• American Family has savings for accident-free, mySafetyValet, defensive driver, good driver, Steer into Savings, early bird, and bundled insurance.
• Geico offers premium reductions for driver training, anti-theft, anti-lock brakes, five-year accident-free, good student, federal employee, and membership and employees.
• State Farm may have discounts that include Steer Clear safe driver discount, Drive Safe & Save, multiple autos, safe vehicle, and anti-theft.

Before you buy a policy, ask every insurance company which discounts they offer. All car insurance discounts might not be available to policyholders in every state.

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You may need specialized car insurance coverage

When it comes to buying adequate coverage for your vehicles, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s.

These are some specific questions could help you determine if you would benefit from professional advice.

• How can I get high-risk coverage after a DUI?
• Does my policy cover me when driving someone else’s vehicle?
• Am I covered when driving on a suspended license?
• Am I covered if hit by an uninsured driver?
• Does my personal policy cover me when driving out-of-state?
• Is my state a no-fault state?
• Do all my vehicles need collision coverage?
• Will my rates increase for filing one claim?
• How much liability insurance is required?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and may give you better protection.

Advertising myths

Consumers can’t get away from all the ads for cheaper auto insurance from companies such as Allstate and Progressive. They all advertise the message that drivers will save a bundle if you just switch your policy.

Is it even possible that every company can make the same claim? Here is the trick they use.

Companies provide the lowest rates for the type of driver that will not have excessive claims. For example, a profitable customer may need to be between the ages of 40 and 55, insures multiple vehicles, and the vehicle is rated for pleasure use. Any new insured who fits that profile is entitled to the best price as well as cut their rates substantially.

Consumers who are not a match for these stringent criteria must pay more expensive rates and this results in business not being written. The ads state “people that switch” but not “everyone who gets a quote” can save as much as they claim. That’s why companies can make those claims. Each company has different criteria, so you really should get a wide range of price quotes. It is impossible to guess the company that will give you lower rates than your current company.

Car insurance coverages 101

Understanding the coverages of your car insurance policy helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Coverage for collisions

Collision coverage covers damage to your Passat resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as sideswiping another vehicle, damaging your car on a curb, crashing into a ditch and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Liability car insurance

Liability coverage protects you from damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage pays for claims like pain and suffering, emergency aid, legal defense fees and court costs. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Comprehensive protection

Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hail damage, a tree branch falling on your vehicle, falling objects, rock chips in glass and fire damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical expense coverage

Med pay and PIP coverage kick in for bills for things like ambulance fees, surgery and rehabilitation expenses. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Volkswagen Passat.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

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Be a Smart Shopper

In this article, we presented a lot of techniques to shop for 2009 Volkswagen Passat insurance online. The key thing to remember is the more you quote auto insurance, the higher the chance of saving money. You may be surprised to find that the best price on auto insurance is with some of the lesser-known companies.

As you go through the steps to switch your coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many cases where consumers will sacrifice uninsured motorist or liability limits and discovered at claim time that it was a big error on their part. The aim is to buy the best coverage you can find for the lowest cost, but do not skimp to save money.

Drivers change insurance companies for many reasons like not issuing a premium refund, lack of trust in their agent, delays in responding to claim requests or even high rates after DUI convictions. No matter why you want to switch, switching companies can be pretty painless.

More information can be read below:

• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Understanding your Policy (NAIC.org)
• Electronic Stability Control FAQ (iihs.org)
• Insuring a Leased Car (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)
• Information for Teen Drivers (Geico)

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