Cheap 2020 Volkswagen Passat Insurance Quotes in 2024

Searching for lower auto insurance rates for your Volkswagen Passat? Do you think you bought overpriced auto insurance? Believe me, many drivers feel the same as you.

Lots of insurers contend for your insurance dollar, so it can be very hard to choose a insurance company and get the best coverage at the lowest rate possible.

Compare auto insurance quotes online

There are a lot of ways you can shop for auto insurance and some are less time-consuming than others. You could spend your day talking about coverages with local insurance agents in your area, or you could use the web to achieve your goal.

Most major companies participate in an industry program where prospective buyers submit their information once, and each company can provide price quotes based on the submitted data. This eliminates the need for quotation requests to every company. To enter your information into the quoting system, enter your zip code here.

The single downside to comparing rates this way is that you can’t choose the companies you want to price. If you prefer to choose individual companies for rate comparison, we have assembled a list of companies who write auto insurance in your area. Click to enter zip code.

It’s up to you how you get prices quotes, just compare exactly the same deductibles and coverage limits for every company. If each company quotes different values for each quote it will be very difficult to determine the lowest rate for your Volkswagen Passat. Just slight variations in coverage limits can make a big difference in price. Just remember that more quotes helps improve the odds of finding the best offered rates. Some smaller insurers to not give price estimates online, so it’s important to also get rates on coverage from those companies, too.

Insurance agents can help

When it comes to buying proper insurance coverage, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that might help in determining if your situation may require specific advice.

• What is the minimum liability in my state?
• How much can I save by bundling my policies?
• Is Motor Club coverage worth it?
• At what point should I drop full coverage?
• Where can I get insurance after a DUI in my state?
• Do all my vehicles need collision coverage?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, fill out your zip code.

Insurance coverage breakdown

Learning about specific coverages of your policy can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverage types available from insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Auto liability

Liability insurance provides protection from injuries or damage you cause to other’s property or people that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 which stand for 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 coverage protects against claims like court costs, legal defense fees, attorney fees, structural damage and bail bonds. How much coverage you buy is your choice, but you should buy higher limits if possible.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for bills such as nursing services, funeral costs, X-ray expenses, doctor visits and pain medications. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants as well as getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Comprehensive auto coverage

This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hail damage, damage from flooding and a tree branch falling on your vehicle. The maximum amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for collisions

This pays for damage to your Passat caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as hitting a mailbox, sideswiping another vehicle, scraping a guard rail, driving through your garage door and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.