Lower Your 2013 Volkswagen Passat Insurance Cost

When trying to find cheaper insurance, are you overwhelmed by the sheer number of insurance providers in your area? There are such a vast assortment of providers available that it can easily turn into a difficult mission to lower your insurance rates.

You should take the time to compare prices before your policy renews because insurance prices trend upward over time. Despite the fact that you may have had the best deal on Passat coverage a few years ago you may be paying too much now. Block out anything you think you know about insurance because you’re about to learn the fastest way to buy cheaper insurance.

Finding affordable coverage is not rocket science. Essentially anyone who has to buy car insurance will most likely be able to find lower rates. But drivers need to have an understanding of how the larger insurance companies compete online and take advantage of how the system works.

Cheap car insurance

To find low cost rates, there are a couple of ways to compare rate quotes from all the different companies. The recommended way to compare rates consists of shopping online. It’s really quite simple and can be done in several different ways.

1. If you are pressed for time, the simplest way to find low rates is an all-inclusive rate comparison like this one (opens in new window). This style of form eliminates the need for separate quote forms for every prospective company. In just a few minutes this one form gets coverage cost estimates instantly. It’s definitely the quickest method.
2. A more difficult way to analyze rates requires a visit to the website for each individual company and repeat the quote process again and again. For examples sake, let’s say you want to compare rates from Farmers, Safeco and GMAC. To get rate quotes you would need to visit each site to input your insurance information, which can get old fast.

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

The approach you take is up to you, just make sure you use the exact same coverages and limits for each quote you get. If your comparisons have different data it will be impossible to find the best deal for your Volkswagen Passat. Just a small difference in insurance coverages could skew the results. And when price shopping your coverage, making a lot of price comparisons provides better odds of finding the best rates. Not every company provides quotes online, so it’s important to also get rates from them, too.

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Get affordable car insurance quotes with discounts

Car insurance can cost a lot, but companies offer discounts that can help lower your rates. Certain reductions will be credited at the time of purchase, but some discounts are required to be asked about before they will apply. If you aren’t receiving every discount you qualify for, you are throwing money away.

• Discounts for Multiple Vehicles – Having primary and secondary vehicles with one company could earn a price break for each car.
• Senior Discount – Mature drivers can possibly qualify for reduced rates on Passat coverage.
• Sign Early and Save – Some larger companies give discounts for renewing your policy before your current coverage expires. This discount can save up to 10%.
• Life Insurance – Car insurance companies who offer life insurance give a small discount if you purchase a life insurance policy as well.
• Passive Restraint Discount – Cars that have air bags or motorized seat belts can receive discounts up to 30%.

Discounts save money, but please remember that most discount credits are not given to your bottom line cost. Most cut the cost of specific coverages such as collision or personal injury protection. Even though it may seem like all the discounts add up to a free policy, it doesn’t quite work that way.

Some of the insurance companies that may have some of the above discounts possibly include:

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

Check with every insurance company which discounts you qualify for. Depending on the company, some discounts might not apply in your area. If you would like to choose from a list of companies with the best discounts, click here.

Tailor your insurance coverage coverage to you

When it comes to choosing the best insurance coverage coverage for your vehicles, there isn’t really a one size fits all plan. Every situation is different.

These are some specific questions could help you determine whether you might need professional guidance.

• I don’t drive much so do I pay less?
• Can I afford to pay high deductible claims out of pocket?
• What is covered by UM/UIM coverage?
• Does my liability insurance cover pulling a trailer or camper?
• Why am I required to buy liability insurance?
• Am I covered when driving a rental car?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form.

Auto insurance 101

Knowing the specifics of insurance aids in choosing appropriate coverage for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for expenses for pain medications, nursing services, X-ray expenses and surgery. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Uninsured or underinsured coverage

This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Volkswagen Passat.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Comprehensive protection

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as fire damage, hitting a bird and falling objects. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage protection

Collision insurance covers damage to your Passat caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like colliding with another moving vehicle, backing into a parked car, damaging your car on a curb and driving through your garage door. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Liability car insurance

This protects you from damage that occurs to a person or their property. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things like repair costs for stationary objects, attorney fees, medical services, loss of income and pain and suffering. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

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Online plus local equals savings

When shopping online for insurance coverage, you should never buy lower coverage limits just to save a few bucks. In many instances, an accident victim reduced comprehensive coverage or liability limits only to discover later that the small savings ended up costing them much more. Your focus should be to get the best coverage possible at an affordable rate, but don’t skip important coverages to save money.

Lower-priced insurance coverage can be bought online as well as from independent agents, so get free auto insurance quotes from both of them to have the best rate selection. Some companies do not offer rates over the internet and usually these smaller providers sell through independent insurance agencies.

Drivers switch companies for a variety of reasons including delays in paying claims, policy non-renewal, questionable increases in premium or even delays in responding to claim requests. It doesn’t matter why you want to switch switching insurance coverage companies is less work than it seems.

Other information

• Anti-Lock Brake FAQ (iihs.org)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Auto Insurance FAQ (Farmers Insurance)
• Rental Reimbursement Coverage (Allstate)

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