2014 Volkswagen Passat Car Insurance Cost

Searching for the cheapest auto insurance rates? Consumers have lots of choices when looking for the lowest priced Volkswagen Passat insurance. You can either spend your time calling around to compare prices or save time using the internet to get rate quotes. There are more efficient ways to buy auto insurance so you’re going to learn the proper way to price shop coverage for a Volkswagen and locate the lowest possible price from both online companies and local agents.

Find discounts to get cheap auto insurance quotes

Some providers don’t list every discount very clearly, so the list below gives a summary of both the well known as well as some of the hidden auto insurance savings.

• Theft Deterent – Cars equipped with anti-theft or alarm systems prevent vehicle theft and will qualify for a discount on a insurance coverage quote.
• Safety Restraint Discount – Requiring all passengers to wear their seat belts could cut 10% or more off the personal injury premium cost.
• No Accidents – Drivers with accident-free driving histories can earn big discounts when compared to drivers with a long claim history.
• Discount for Home Ownership – Owning a house can get you a discount because it is proof of financial responsibility.
• Data Collection Discounts – Policyholders that allow driving data submission to spy on their driving habits by using a telematics device in their vehicle like Allstate’s Drivewise could possibly reduce rates if they show good driving skills.
• Low Miles Discount – Fewer annual miles on your Volkswagen could earn substantially lower prices.
• Driver Education Discount – Require your teen driver to enroll and complete driver’s education in high school.
• ABS Braking Discount – Cars with ABS braking systems or traction control are safer to drive so companies give up to a 10% discount.
• Include Life Insurance and Save – Insurance companies who offer life insurance give lower prices if you buy a life policy as well.
• Professional Organizations – Participating in certain professional organizations may earn a discount on your next renewal.

Discounts lower rates, but some credits don’t apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like comp or med pay. Just because you may think it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

Auto insurance companies that may have these discounts include:

• Progressive
• AAA
• Farmers Insurance
• Geico
• Esurance
• SAFECO
• State Farm

If you need lower rates, check with all companies you are considering which discounts can lower your rates. Depending on the company, some discounts may not apply to policyholders in your area.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

How much does auto insurance cost?

All the larger auto insurance companies like State Farm and Allstate give prices for coverage directly from their websites. Getting quotes doesn’t take much effort as you just type in your coverage information on the page. After the form is submitted, their rating system collects information on your driving record and credit history and generates pricing information determined by many factors.

Online price estimates makes comparing rates easy, but the time required to go to different websites and type in the same data is not the best way to spend an afternoon. But it’s necessary to get many rate quotes if you want to get the lowest auto insurance rates.

A more efficient way to find lower prices uses just one form to get prices from a bunch of companies at once. It saves time, reduces the work, and makes price shopping online much more efficient. Immediately after you send the form, your coverage is rated and you can choose your choice of the quote results. If the quotes result in lower rates, you can simply submit the application and purchase coverage. This process can be completed in a matter of minutes and you will know how your current rates stack up.

To save time and find out if lower rates are available, click here to open in a new tab and submit your coverage information. If you have your current policy handy, we recommend that you enter coverages and limits identical to your current policy. This ensures you’re receiving a rate comparison for exact coverage.

Tailor your insurance coverage to you

When buying adequate coverage, there isn’t really a best way to insure your cars. Everyone’s situation is unique.

Here are some questions about coverages that may help you determine whether or not you might need an agent’s assistance.

• How many claims can I have before being cancelled?
• Is my nanny covered when driving my vehicle?
• Why do I need rental car insurance?
• Why am I required to get a high-risk car insurance policy?
• Is extra glass coverage worth it?
• Is rental equipment covered for theft or damage?
• Should I buy more coverage than the required minimum liability coverage?
• Is my dog or cat covered if injured in an accident?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and may give you better protection.

Car insurance coverage information

Learning about specific coverages of a insurance policy helps when choosing the right coverages and proper limits and deductibles. Insurance terms can be ambiguous and coverage can change by endorsement.

Liability coverages

Liability coverage provides protection from damages or injuries you inflict on a person or their property. It protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things such as attorney fees, repair bills for other people’s vehicles and medical services. How much coverage you buy is your choice, but buy higher limits if possible.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for short-term medical expenses like rehabilitation expenses, ambulance fees and prosthetic devices. They can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

This provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for 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 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.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like rock chips in glass, hitting a bird, a tree branch falling on your vehicle, theft and falling objects. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto collision coverage

Collision insurance pays for damage to your Passat resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like scraping a guard rail, colliding with another moving vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

One last thing

People leave their current company for any number of reasons including high prices, poor customer service, being labeled a high risk driver and even extreme rates for teen drivers. Regardless of your reason for switching companies, finding a new company can be less work than you think.

Budget-friendly insurance can be purchased on the web and from local insurance agents, and you should compare rates from both to have the best chance of lowering rates. There are still a few companies who do not offer rate quotes online and these regional insurance providers sell through independent agencies.

We just covered many ways to lower your 2014 Volkswagen Passat insurance prices. It’s most important to understand that the more times you quote, the better your chances of lowering your rates. You may even find the lowest priced insurance comes from an unexpected company.

Additional information can be found on the following sites:

• What Does No-Fault Insurance Cover? (Allstate)
• Teen Driver Statistics (Insurance Information Insitute)
• Vehicle Safety Ratings (iihs.org)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption