Compare 2005 Volkswagen Passat Car Insurance Rates

Looking for better car insurance rates for your Volkswagen Passat? Having to pay for high-priced car insurance can overdraw your savings account and make it tough to pay other bills. Comparison shopping can be a smart way to lower your bills every month.

Insurance companies such as State Farm, Allstate, GEICO and Progressive continually bombard you with TV and radio ads and consumers find it hard to sift through the bull and do the work needed to find the best deal.

It’s a great practice to compare prices as often as possible because car insurance prices change quite often. Just because you found the lowest quotes for Passat coverage on your last policy you will most likely find a better rate today. Block out anything you think you know about car insurance because you’re going to learn the best methods to find lower rates on car insurance.

If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using this strategy. Finding the best rates is easy if you know what you’re doing. But drivers benefit from understanding the way insurance companies compete online and take advantage of how the system works.

Shop insurance coverage online

Effectively comparing insurance coverage prices is a ton of work if you don’t utilize the most efficient way to do it. You could waste time talking to insurance agencies in your area, or you can utilize online quoting to get rates in a matter of minutes.

Most of the larger companies participate in an industry program where insurance shoppers complete one form, and at least one company then returns a price quote for coverage. This eliminates the need for form submissions for every insurance coverage company.

To find out what other companies charge click here to start a free quote.

One minor caviat to getting quotes like this is you don’t know exactly the companies you want to price. If you prefer to choose individual companies to request quotes from, we have a page of companies who write insurance coverage in your area. View list of insurance companies.

It’s your choice how you get your quotes, but make sure you use equivalent coverages and limits for every quote you compare. If each company quotes unequal deductibles or liability limits it will be nearly impossible to determine the best price for your Volkswagen Passat. Having just a slight variation in coverages could skew the results. And when price shopping your coverage, comparing all the rates in your area helps locate better pricing.

Affordable insurance coverage rates with discounts

Some insurers do not advertise every discount very well, so we break down some of the best known and also the lesser-known credits available to lower your premiums when you buy insurance online.

  • Bundled Policy Discount – If you combine your auto and home policies and place coverage with the same company they may give you a discount of approximately 10% to 15%.
  • Full Payment Discount – If you pay your bill all at once instead of paying each month you may have a lower total premium amount.
  • Theft Deterent System – Vehicles with anti-theft systems are stolen with less frequency and will save you 10% or more.
  • Smart Student Discounts – Getting good grades could provide a savings of up to 20% or more. Earning this discount can benefit you until age 25.
  • New Car Discount – Buying a new car model can be considerably cheaper compared to insuring an older model.
  • Low Mileage Discounts – Driving fewer miles could qualify for slightly better premium rates than normal.
  • College Student – Any of your kids who attend college more than 100 miles from home and don’t have a car could get you a discount.

Please keep in mind that many deductions do not apply to all coverage premiums. Most only reduce individual premiums such as comprehensive or collision. Despite the appearance that having all the discounts means you get insurance for free, you won’t be that lucky. Any amount of discount will bring down your premiums.

A few popular companies and a selection of discounts can be found below.

  • Travelers offers discounts including multi-policy, continuous insurance, payment discounts, hybrid/electric vehicle, and home ownership.
  • 21st Century has savings for theft prevention, air bags, anti-lock brakes, early bird, driver training, student driver, and homeowners.
  • State Farm offers discounts for passive restraint, multiple policy, Steer Clear safe driver discount, driver’s education, accident-free, and good student.
  • GEICO may have discounts that include anti-theft, seat belt use, air bags, membership and employees, daytime running lights, emergency military deployment, and federal employee.
  • SAFECO discounts include bundle discounts, teen safety rewards, multi-car, anti-theft, anti-lock brakes, teen safe driver, and drive less.
  • AAA offers premium reductions for multi-policy, pay-in-full, good student, multi-car, good driver, education and occupation, and anti-theft.

Before you buy a policy, ask each insurance company which credits you are entitled to. Discounts might not be offered in your area. If you would like to choose from a list of providers that offer discounts, click here to view.

Smart buyers save every year

Multiple criteria are used when pricing auto insurance. Some factors are common sense like an MVR report, but other factors are not quite as obvious like your vehicle usage or how safe your car is.

  • Low credit score equals high prices – Having a bad credit score is likely to be a major factor in determining what you pay for insurance coverage. Insureds that have very good credit scores tend to file fewer claims as compared to drivers with poor credit scores. If your credit rating can be improved, you could pay less to insure your 2005 Volkswagen Passat by spending a little time repairing your credit.
  • Big cities mean more claims – Having an address in smaller towns and rural areas of the country is a positive aspect when shopping for auto insurance. Fewer drivers on the road translates into fewer accidents and also fewer theft and vandalism claims. People in densly populated areas have much more traffic and a longer drive to work. More time on the road means more chance of being in an accident.
  • Higher deductibles lower rates – Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your vehicle. Some coverage claims could be running into the backend of another car, damage from fire, and having your car stolen. Comp and collision deductibles state the amount of money you are required to pay in the event of a claim. The more money the insured has to pay upfront, the lower your rates will be for Passat coverage.
  • Is insurance cheaper for men or women? – Statistics have proven women tend to be less risk to insure than men. That doesn’t necessarily mean that men are WORSE drivers than women. Both sexes cause fender benders at about the same rate, but the male of the species tend to have more serious accidents. Men also statistically get cited for more serious violations like driving under the influence (DUI). Male teenagers are several times more likely to be in an accident so they pay the highest premiums.
  • Stress out and pay more – Careers like military personnel, architects and financial analysts tend to have higher premium rates because of high stress levels and lengthy work days. On the other hand, occupations such as professors, students and retirees generally pay rates lower than average for Passat coverage.

Tailor your auto insurance coverage to you

When buying the best auto insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s situation is unique so your insurance should reflect that For example, these questions might help in determining whether you might need an agent’s assistance.

  • Can my teen drive my company car?
  • How can I get my company to pay me more for my totalled car?
  • Do I really need UM/UIM coverage?
  • Where can I get insurance after a DUI in my state?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Do I need higher collision deductibles?
  • Does liability extend to a camper or trailer?
  • Do I have coverage when making deliveries for my home business?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area.

Auto insurance coverages

Having a good grasp of your auto insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Listed below are typical coverage types found on most auto insurance policies.

UM/UIM Coverage – Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Volkswagen Passat.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these limits are identical to your policy’s liability coverage.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as falling objects, hitting a deer and rock chips in glass. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical costs insurance – Med pay and PIP coverage pay for short-term medical expenses like dental work, surgery and X-ray expenses. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Collision – Collision coverage will pay to fix damage to your Passat caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims like damaging your car on a curb, driving through your garage door and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Liability coverage – This provides protection from damage or injury you incur to other people or property. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims such as bail bonds, repair bills for other people’s vehicles, emergency aid, medical expenses and legal defense fees. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Final thoughts

When shopping online for insurance, do not skimp on coverage in order to save money. There are a lot of situations where someone dropped liability coverage limits and discovered at claim time that the savings was not a smart move. The ultimate goal is to buy the best coverage you can find for the lowest price, but do not sacrifice coverage to save money.

Some insurance providers may not offer price quotes online and these small, regional companies provide coverage only through independent agencies. Low-cost 2005 Volkswagen Passat insurance is definitely available both online as well as from independent agents, so compare prices from both to have the best chance of lowering rates.

Throughout this article, we presented a lot of ways to save on 2005 Volkswagen Passat insurance. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your rates. Drivers may discover the most savings is with the smaller companies. They often have lower rates on specific markets compared to the large companies like Allstate, GEICO and Progressive.

More information can be found at these links: