2019 Volkswagen Passat Car Insurance Rates in 2024 – 6 Tips for Best Quotes

Pricey Volkswagen Passat insurance can bottom out your monthly budget and force you to prioritize other expenses. Since you have so many options, it’s difficult to locate the right insurance coverage company.

You should take the time to do price comparisons once or twice a year because insurance prices change regularly. Even if you think you had the lowest rates on Passat coverage a few years ago you can probably find a better rate quote now. There are lots of tips to save on insurance coverage online but in this article, you’re going to get some tested techniques to quit paying high insurance coverage rates.

Quote insurance online

Most of the larger companies like State Farm, GEICO and Progressive allow you to get prices for coverage on the web. Getting quotes is fairly straightforward because you just enter the coverage amounts you desire as detailed in the form. After you submit the form their rating system will order your credit score and driving record and generates a price based on many factors. Online price quotes makes it a lot easier to compare rates but the process of having to visit a lot of sites and type in the same information is not the best way to spend an afternoon. But it’s necessary to do this in order to find the lowest possible prices on insurance.

A less time-consuming method to compare rates requires only one form that gets price quotes from a bunch of companies at once. It saves time, requires much less work on your part, and makes online quotes much more enjoyable and efficient. As soon as you send your information, it is rated and you can choose any or none of the quote results. If a lower price is quoted, it’s easy to complete the application and purchase coverage. The whole process takes just a few minutes to complete and you’ll know if lower rates are available.

To save time and find out what other companies charge, simply enter your zip code here and complete the simple form. If you have coverage now, it’s recommended you duplicate the insurance coverages as shown on your current policy. Using the same limits helps guarantee you’re receiving comparison quotes for similar insurance coverage.

Cheaper car insurance rates with discounts

Car insurance is easily one of your largest bills, but discounts can save money and there are some available that you may not know about. Some discounts apply automatically when you complete an application, but some may not be applied and must be asked for prior to getting the savings. If you’re not getting every credit available, you are throwing money away.

• Defensive Driver Discount – Taking a course that instructs on driving safety can save you 5% or more and make you a better driver.
• Own a Home and Save – Owning a house can earn you a little savings since owning and maintaining a home is proof of financial responsibility.
• Discount for New Cars – Insuring a new car can get you a discount due to better safety requirements for newer vehicles.
• Early Renewal Discounts – A few car insurance companies give discounts for switching companies before your current policy expires. It could save around 10% when you buy insurance coverage online.
• Low Mileage Discounts – Maintaining low annual mileage may enable drivers to earn lower prices on the low mileage vehicles.
• Discounts for Multiple Vehicles – Purchasing coverage when you have several vehicles on one policy can reduce rates for all insured vehicles.

Remember that some of the credits will not apply to the whole policy. A few only apply to individual premiums such as medical payments or collision. If you do the math and it seems like all those discounts means the company will pay you, it’s just not the way it works.

A list of car insurance companies and some of the discounts are detailed below.

• Progressive offers premium reductions for online signing, good student, multi-vehicle, homeowner, online quote discount, continuous coverage, and multi-policy.
• Farmers Insurance discounts include homeowner, pay in full, distant student, early shopping, electronic funds transfer, youthful driver, and teen driver.
• Farm Bureau may include discounts for good student, renewal discount, multi-vehicle, 55 and retired, driver training, multi-policy, and youthful driver.
• State Farm may offer discounts for accident-free, Drive Safe & Save, good driver, driver’s education, Steer Clear safe driver discount, student away at school, and multiple autos.
• GEICO offers discounts for multi-vehicle, air bags, five-year accident-free, defensive driver, daytime running lights, anti-lock brakes, and military active duty.
• SAFECO includes discounts for anti-lock brakes, drive less, bundle discounts, accident prevention training, homeowner, safe driver, and multi-car.
• Liberty Mutual has discounts for preferred payment discount, newly married, safety features, hybrid vehicle, exclusive group savings, and newly retired.

Before buying, ask every company which credits you are entitled to. All car insurance discounts might not be offered in your area. To choose providers that offer discounts, enter your zip code here.

Tailor your insurance coverage to you

When choosing proper insurance coverage for your vehicles, there is no one size fits all plan. Every situation is different and your policy should reflect that. These are some specific questions could help you determine whether your personal situation would benefit from an agent’s advice.

• How much underlying liability do I need for an umbrella policy?
• Am I missing any policy discounts?
• Is borrowed equipment or tools covered if stolen or damaged?
• Does my car insurance cover rental cars?
• How do I file an SR-22 for a DUI in my state?
• Exactly who is provided coverage by my policy?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete your zip code. It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverages and their meanings

Learning about specific coverages of insurance can help you determine appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverage types offered by insurance companies.

Liability coverages

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

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability can pay for things such as medical services, loss of income, medical expenses, funeral expenses and bail bonds. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Uninsured/Underinsured Motorist coverage

This coverage provides protection 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 have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for immediate expenses like rehabilitation expenses, dental work, pain medications, ambulance fees and X-ray expenses. They are used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive coverage

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like a broken windshield, vandalism, falling objects and hitting a deer. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage

This coverage covers damage to your Passat from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like crashing into a building, crashing into a ditch and hitting a mailbox. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.