Compare 2016 Volkswagen Passat Insurance Rates

If you are new to online price comparisons, you may be baffled by the vast assortment insurance agents and companies offering coverage.

You should take the time to compare rates before your next renewal since insurance prices trend upward over time. Just because you had the lowest price on Passat insurance on your last policy you may be paying too much now. There is lot of inaccurate information about insurance out there, but by reading this article, you’re going to learn some solid techniques on how to put money back in your pocket.

The method we recommend to compare insurance rates in your area is to take advantage of the fact auto insurance companies participate in a system to give free rates quotes. All consumers are required to do is give them rating details like how much coverage you want, your education level, if a SR-22 is required, and which vehicles you own. Your insurance information is then sent to insurance companies and you will receive price estimates immediately.

Tailor your auto insurance coverage to you

When it comes to choosing coverage for your personal vehicles, there really is no cookie cutter policy. Each situation is unique.

For example, these questions can help discover if you will benefit from professional help.

• Can I get a multi-policy discount?
• Should I carry comprehensive and collision coverage?
• Why do I need rental car insurance?
• What is medical payments coverage?
• Am I insured when driving a different vehicle?
• Do I pay less if my vehicle is kept in my garage?
• Am I covered if I hit a deer?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form.

Insurance policy specifics

Understanding the coverages of your policy helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Medical costs insurance

Med pay and PIP coverage provide coverage for expenses for pain medications, dental work and ambulance fees. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as a broken windshield, hitting a bird, a tree branch falling on your vehicle and hitting a deer. The maximum amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage protection

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

Collision coverage protects against things such as hitting a mailbox, colliding with a tree and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also increase the deductible to bring the cost down.

UM/UIM Coverage

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Volkswagen Passat.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these coverages are set the same as your liablity limits.

Coverage for liability

Liability insurance will cover damages or injuries you inflict on other’s property or people in an accident. It protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Another option is a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as funeral expenses, pain and suffering, bail bonds, court costs and legal defense fees. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.