2009 Volkswagen Passat Insurance Rates – 10 Tips for Best Quotes

Searching for lower insurance coverage rates? Consumers have options when looking for affordable Volkswagen Passat insurance. You can either waste hours calling around to compare prices or leverage the internet to get rate quotes.

There are more efficient ways to find insurance coverage online so you’re going to learn the proper way to compare rates for a Volkswagen and get the cheapest rates from both online companies and local agents.

If you have a current auto insurance policy or are shopping for new coverage, you can follow these tips to cut your premiums and possibly find even better coverage. The purpose of this article is to tell you the best way to quote coverages and some tricks to saving. Consumers only need an understanding of the best way to buy auto insurance on the web.

These ten discounts can lower your auto insurance quotes

Companies offering auto insurance don’t always list the complete list of policy discounts in an easy-to-find place, so the following is a list of some of the best known and the harder-to-find discounts that may be available. If you’re not getting every credit you deserve, you are paying more than you should be.

  • Seat Belts Save – Buckling up and requiring all passengers to use their safety belts can save a little off PIP or medical payments premium.
  • Passenger Safety Discount – Factory air bags or motorized seat belts can receive discounts of 20% or more.
  • Defensive Driver Discounts – Successfully completing a class that teaches defensive driver techniques could earn you a small percentage discount and easily pay for the cost of the class.
  • Early Payment Discounts – By paying your entire bill at once instead of paying each month you can avoid the installment charge.
  • Include Life Insurance and Save – Select companies reward you with lower premium rates if you buy life insurance.
  • Multiple Cars – Insuring multiple vehicles on a single policy can reduce the rates for all insured vehicles.
  • New Vehicle Savings – Adding a new car to your policy can save you some money since new model year vehicles are generally safer.
  • Early Switch Discount – Some auto insurance companies give discounts for buying a policy before your current coverage expires. It can save you around 10%.
  • Discounts for Government Workers – Simply working for the federal government could cut as much as 10% off for Passat coverage with some auto insurance companies.
  • Lower Rates for Military – Having an actively deployed family member could qualify you for better auto insurance rates.

Discounts reduce rates, but you should keep in mind that most discounts do not apply the the whole policy. Most only cut individual premiums such as medical payments or collision. Even though the math looks like you could get a free auto insurance policy, it doesn’t quite work that way.

A few popular companies and some of the discounts are outlined below.

  • Progressive has discounts for multi-policy, online signing, multi-vehicle, good student, online quote discount, and homeowner.
  • AAA has savings for anti-theft, pay-in-full, AAA membership discount, multi-policy, and multi-car.
  • Farmers Insurance may offer discounts for distant student, good student, bundle discounts, electronic funds transfer, teen driver, alternative fuel, and pay in full.
  • GEICO policyholders can earn discounts including anti-lock brakes, membership and employees, military active duty, multi-policy, and defensive driver.
  • Esurance may have discounts that include defensive driver, paid-in-full, claim free, multi-car, Switch & Save, DriveSense, and renters.
  • SAFECO offers discounts including multi-car, bundle discounts, teen safe driver, safe driver, and homeowner.
  • State Farm includes discounts for multiple autos, student away at school, good driver, driver’s education, and multiple policy.

If you are trying to find cheaper car insurance quotes, ask all companies you are considering which discounts you may be entitled to. Some discounts listed above may not be available in every state.

Car insurance companies are expert advertisers

Drivers can’t ignore all the ads for cheaper car insurance by 21st Century, Allstate and State Farm. They all say the same thing that you’ll save big if you just switch your policy.

Is it even possible that every company can have lower policy pricing? Here is the trick they use.

All the different companies give the cheapest rates for the type of driver that makes them money. A good example of a profitable insured might be between 25 and 40, has no prior claims, and drives a car with an anti-theft system. Someone who matches that profile will most likely get cheap rates and will also save money with a new company.

Consumers who fall short of those standards must pay higher rates and ends up with business going elsewhere. The ads state “people that switch” not “everyone that quotes” will save that much if they switch. That’s the way insurance companies can state the savings.

Because every company is different, you really should get price quotes at each policy renewal. It’s not possible to predict which company will give you the biggest savings.

Different people need different insurance coverage coverages

When choosing adequate coverage, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover if your situation would benefit from professional advice.

  • What companies insure drivers after a DUI or DWI?
  • Is there coverage for injuries to my pets?
  • Am I covered if hit by an uninsured driver?
  • Am I insured when driving a different vehicle?
  • Do I need replacement cost coverage on my 2009 Volkswagen Passat?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • Does my personal policy cover me when driving out-of-state?

If you can’t answer these questions, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form. It is quick, free and can provide invaluable advice.

Car insurance coverages explained

Learning about specific coverages of car insurance helps when choosing appropriate coverage at the best deductibles and correct limits. Car insurance terms can be confusing and coverage can change by endorsement.

Liability auto insurance

Liability insurance can cover injuries or damage you cause to other people or property that is your fault. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as structural damage, emergency aid, legal defense fees, pain and suffering and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

UM/UIM Coverage

This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Volkswagen Passat.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Normally these limits are identical to your policy’s liability coverage.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, fire damage and damage from flooding. The most a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like dental work, pain medications, chiropractic care, nursing services and funeral costs. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Collision coverage

Collision coverage pays for damage to your Passat from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as sustaining damage from a pot hole, crashing into a ditch and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

The bottom line

We just showed you a lot of tips how to compare 2009 Volkswagen Passat insurance premium rates online. The key concept to understand is the more times you quote, the higher the chance of saving money. You may even discover the most savings is with a lesser-known regional company.

As you shop your coverage around, you should never reduce coverage to reduce premium. There are too many instances where an insured dropped liability coverage limits only to find out that it was a big mistake. The goal is to purchase plenty of coverage at a price you can afford, but do not skimp to save money.

Insureds switch companies for any number of reasons including high rates after DUI convictions, policy cancellation, poor customer service and even an unsatisfactory settlement offer. Regardless of your reason for switching companies, switching auto insurance companies is actually quite simple.

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