Cheaper 2006 Volkswagen Passat Insurance Quotes

Looking for lower insurance rates for your Volkswagen Passat? Are you regretting buying high-priced insurance? Trust us, there are many drivers thinking the same thing.

Companies like Allstate, Progressive and GEICO all promote huge savings with TV and radio ads and it is difficult to see through the cute green geckos and mayhem and do the work needed to find the best deal.

It’s a great practice to do rate comparisons every six months because rates are usually higher with each renewal. Just because you had the best premium rates for Passat coverage at your last renewal there is a good chance you can find better prices now. You’ll find a ton of advice on insurance online but in a few minutes you can learn some good information on how to find cheap insurance.

If you currently have car insurance, you will most likely be able to save some money using these methods. Choosing the best insurance company for you is quite easy. But drivers do need to know how the larger insurance companies price online insurance and apply this information to your search.

How to lower your insurance cost

There are a lot of ways to shop for insurance, and some are easier and takes less work. You could waste a few hours talking about coverages with insurance agencies in your area, or you can stay home and use the web to get rate comparisons in just a few minutes.

Many insurance companies belong to a marketplace that enables customers to complete one form, and every company then gives them pricing based on the submitted data. This system prevents you from having to do form submissions for every insurance company.

To find out how much you’re overpaying now click here to open in new window.

One minor caviat to using this type of system is you cannot specify the companies to get quotes from. If you would rather choose specific providers to receive pricing from, we have assembled a list of low cost insurance companies in your area. View list of insurance companies.

The method you choose is up to you, but make sure you compare identical coverages with each company. If you compare different deductibles you will not be able to determine which rate is truly the best. Slightly different coverage limits could mean much higher rates. Just keep in mind that comparing more quotes increases your odds of finding better pricing.

How to know if you need help

When it comes to choosing coverage, there is no perfect coverage plan. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine if you could use an agent’s help.

  • Can I rent a car in Mexico?
  • Do I have coverage if my license is suspended?
  • Is a fancy paint job covered?
  • When should I not file a claim?
  • What happens if I owe more than my 2006 Volkswagen Passat is worth?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Am I covered if I break a side mirror?
  • Does my medical payments coverage pay my health insurance deductible?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • How high should my medical payments coverage be?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Auto insurance 101

Learning about specific coverages of a insurance policy helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. These are the usual coverages found on the average insurance policy.

Auto liability – Liability coverage can cover damage or injury you incur to a person or their property by causing an accident. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Some companies may use a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against claims such as medical expenses, funeral expenses, legal defense fees and attorney fees. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for funeral costs, surgery, EMT expenses and doctor visits. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as hitting a deer, damage from a tornado or hurricane, hitting a bird and rock chips in glass. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision – Collision insurance will pay to fix damage to your Passat resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like hitting a mailbox, driving through your garage door and crashing into a building. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance – This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually the UM/UIM limits do not exceed the liability coverage limits.