Lower Your 2017 Volkswagen Passat Car Insurance Cost

If price shopping insurance quotes online is new to you, it’s easy to get overwhelmed because of the huge number of insurers selling insurance.

If you have car insurance now, you should be able to cut costs considerably using this strategy. Pricing affordable car insurance coverage is simple if you know the tricks. Nevertheless, consumers need to learn how companies compete online because it can help you find the best coverage.

Quote auto insurance online

There are several ways to compare quotes from different insurance companies. The quickest method to find the lowest 2017 Volkswagen Passat rates involves getting comparison quotes online. This can be done in just a few minutes using one of these methods.

1. The first (and easiest) way consumers can make multiple comparisons would be an industry-wide quote request form click here to open form in new window. This method eliminates the need for separate quotes for each price estimate. Completing one form will get you rate comparisons from many national carriers. This is perfect if you don’t have a lot of time.
2. A slightly less efficient method to obtain and compare quotes online is going to the website of each company and get a separate price quote. For instance, let’s say you want rates from Nationwide, Farmers and Geico. In order to get each rate, you would have to go to every website and type in your information over and over, which is why the first method is more popular. To view a list of companies in your area, click here.
3. The final way to compare price quotes is actually driving to insurance agents’ offices. Doing it all online has made agencies unnecessary unless you have a need for the professional abilities of an agent trained in personal lines coverage. Although you can get prices online but have your policy serviced through an agent.

Which method you use is up to you, but double check that you are using nearly identical information with each company. If you use differing limits you can’t possibly make a fair comparison for your Volkswagen Passat. Just a small difference in insurance coverages may result in a large different in cost. Just remember that comparing all the rates in your area will improve the odds of getting more affordable rates.

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Can you really save that much by switching?

State Farm and Allstate consistently run television, radio, and online ads. They all seem to convey the message about savings just by switching your coverage. How does every company make the same claim? Here is how they do it.

Insurance companies have strict underwriting profiles for the type of customer that will not have excessive claims. For instance, a preferred risk could be between the ages of 40 and 55, carries high limits, and has a short commute. A propective insured that matches those criteria will probably get cheap rates and will most likely save money with a new company.

Potential customers who fall outside this ideal profile will see a more expensive rate with the end result being the customer not buying. The trick companies use is to say “people that switch” not “all people who quote” save that much. This is how companies can truthfully make claims that they all have the best premium rates.

Because each company has a different risk profile, you really should do a price quote comparison at every renewal. It is just not possible to predict which insurance companies will have the lowest car insurance rates for your situation.

Informed drivers save on insurance

Smart consumers have a good feel for a few of the rating criteria that help calculate your premiums. If you know what determines base rates, this allows you to make educated decisions that could help you find cheaper rates. Many different elements are used in the calculation when you quote your car insurance policy. A few of the factors are predictable such as your driving history, but others are more transparent like your vehicle usage or how financially stable you are.

• Drive less and get lower rates – The higher the miles on your Volkswagen every year the higher the price you pay to insure it. Many insurance companies calculate prices based upon how the vehicle is primarily used. Autos that do not get driven very much receive lower rates than those used for commuting. It’s a good idea to make sure your vehicle rating states the correct usage for each vehicle. Improper usage on your Passat may be costing you higher rates.
• Lower auto insurance rates with no policy lapses – Not maintaining insurance is a misdemeanor and as a result your rates will increase for letting your insurance coverage expire. And not only will your rates increase, being ticketed for driving with no insurance could earn you a license revocation or jail time. You may have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
• Don’t get traffic citations – Being a careful driver has a huge affect on how much you pay. Just one speeding ticket may increase your cost forty percent or more. Drivers with clean records pay lower auto insurance prices compared to drivers with tickets. Drivers unfortunate enough to have license-revoking citations like reckless driving, hit and run or driving under the influence are required to file a SR-22 with the DMV in their state in order to keep their license.
• Alarm systems save money – Buying a car with an alarm system can earn a premium discount. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent car theft and help bring rates down.
• Auto insurance rates and job – Careers like fire fighters, business owners and accountants are shown to have the highest rates in part from high stress levels and incredibly demanding work hours. Conversely, jobs such as farmers, athletes and performers generally pay rates lower than average for Passat coverage.

Do you qualify for discount insurance coverage?

Some providers don’t always list every policy discount in an easy-to-find place, so the below list has a few of the more common and the more hidden credits available to bring down your rates.

• Professional Memberships – Participating in qualifying clubs or civic groups could trigger savings on your next insurance coverage statement.
• Multi-line Discount – If the company offers life insurance, you could get better rates if you take out a life insurance policy as well.
• Auto/Home Discount – If you can bundle your auto and homeowners insurance with the same insurance company you will save approximately 10% to 15%.
• Theft Deterent – Cars that have factory anti-theft systems have a lower chance of being stolen and qualify for as much as a 10% discount.
• Pay Now and Pay Less – By paying your entire bill at once instead of monthly or quarterly installments you could save up to 5%.
• No Claim Discounts – Good drivers with no accidents can earn big discounts in comparison to drivers who are more careless.
• Federal Government Employee – Active or former government employment can earn a discount up to 10% for Passat coverage but check with your company.
• E-sign Discounts – A handful of companies will provide an incentive for buying your policy on the web.
• Low Mileage – Low mileage vehicles could be rewarded with slightly better prices than normal.
• Buy New and Save – Insuring a vehicle that is new may earn a small discount since newer vehicles have better safety ratings.

As a sidenote, most discounts do not apply to the entire policy premium. The majority will only reduce specific coverage prices like liability, collision or medical payments. So when the math indicates all the discounts add up to a free policy, it doesn’t quite work that way.

Companies who may offer most of these discounts are:

• Mercury Insurance
• Farmers Insurance
• Farm Bureau
• State Farm
• Allstate
• Geico

If you need lower rates, check with each company or agent which discounts they offer. Depending on the company, some discounts may not apply to policyholders in your area. To locate insurance companies who offer cheap insurance coverage quotes, click this link.

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What insurance coverages do I need?

When buying the right insurance coverage, there isn’t really a single plan that fits everyone. Every situation is different.

For instance, these questions might point out whether or not you could use an agent’s help.

• Is my nanny covered when driving my vehicle?
• When should I drop full coverage on my 2017 Volkswagen Passat?
• Where can I find high-risk insurance?
• If I drive on a suspended license am I covered?
• Is business equipment covered while in my vehicle?
• How can I find cheaper teen driver insurance?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Is my teen driver covered when they drive my company car?
• Do I have coverage when using my vehicle for my home business?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Auto insurance policy coverages for a Volkswagen Passat

Understanding the coverages of your policy can be of help when determining the best coverages for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Liability coverage – This will cover damage that occurs to people or other property by causing an accident. It protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage pays for claims such as repair bills for other people’s vehicles, bail bonds, emergency aid and loss of income. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

Uninsured or underinsured coverage – This provides protection when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your 2017 Volkswagen Passat.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical expense coverage – Coverage for medical payments and/or PIP pay for short-term medical expenses like X-ray expenses, EMT expenses and chiropractic care. They are utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive protection – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as falling objects, fire damage and damage from a tornado or hurricane. 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.

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

Collision insurance covers things like hitting a parking meter, hitting a mailbox, rolling your car, crashing into a building and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Shop. Compare. Save.

Discount 2017 Volkswagen Passat insurance can be sourced from both online companies and with local insurance agents, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who may not have online rate quotes and these regional insurance providers only sell through independent agents.

We’ve covered many ways to lower your 2017 Volkswagen Passat insurance prices. The key thing to remember is the more times you quote, the higher your chance of finding inexpensive insurance. Consumers may even find the biggest savings come from an unexpected company.

As you prepare to switch companies, you should never skimp on coverage in order to save money. Too many times, drivers have reduced physical damage coverage only to regret that the few dollars in savings costed them thousands. Your focus should be to buy a smart amount of coverage at the best possible price while still protecting your assets.

To read more, feel free to visit the resources below:

• Teen Driving and Texting (State Farm)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)

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