2013 Volkswagen Passat Insurance Quotes – 8 Policy Discounts

Want better insurance rates for your Volkswagen Passat? Trying to find better insurance prices for your Volkswagen Passat can be a lot of work, but you can use these tips and make it easy.

There is a better way to shop for insurance and you need to know the best way to get price quotes for a Volkswagen and find the cheapest rates from local insurance agents and online providers.

Locating affordable auto insurance is simple if you know the tricks. If you have a current auto insurance policy or are just looking to switch companies, you will benefit by learning to find better prices and possibly find even better coverage. Drivers just need to understand the most efficient way to shop for auto insurance online.

Drivers can save with these eight discounts

Some insurance providers don’t always advertise every disount available very well, so the list below details both the well known and also the lesser-known discounts that may be available.

  • Drivers Education – Reduce the cost of insurance for teen drivers by having them complete a driver education course if offered at their school.
  • Sign Online – Many insurance coverage companies may give you up to $50 for buying your policy on the web.
  • Distant Student Discount – who are attending college without a vehicle on campus can receive lower rates.
  • Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems could see savings of 25 to 30%.
  • Homeowners Discount – Simply owning a home may trigger a policy discount on insurance coverage because it means you have a higher level of financial diligence.
  • Bundle and Save – If you have multiple policies and insure them with the same company they may give you a discount of as much as 10 to 15 percent.
  • Membership in Organizations – Having an affiliation with qualifying employment or professional organizations is a simple method to lower premiums on your policy.
  • ABS Braking Discount – Cars and trucks with anti-lock braking systems can stop better under adverse conditions and will save you 10% or more.

You should keep in mind that some credits don’t apply to the entire policy premium. Most only reduce the price of certain insurance coverages like comprehensive or collision. Despite the fact that it seems like having all the discounts means you get insurance for free, it just doesn’t work that way.

The best insurance coverage companies and a selection of discounts are outlined below.

  • AAA discounts include pay-in-full, multi-car, education and occupation, AAA membership discount, and good student.
  • Progressive has savings for online quote discount, continuous coverage, multi-policy, multi-vehicle, good student, and homeowner.
  • State Farm offers premium reductions for multiple autos, defensive driving training, multiple policy, good driver, and anti-theft.
  • Esurance may have discounts that include claim free, online quote, multi-policy, Pac-12 alumni, DriveSense, and renters.
  • Nationwide has discounts for Farm Bureau membership, business or organization, easy pay, multi-policy, anti-theft, good student, and defensive driving.

When getting free auto insurance quotes, it’s a good idea to every company what discounts are available to you. Some of the discounts discussed earlier might not be available to policyholders in your area. To view insurers that offer some of these discounts, follow this link.

How much is insurance coverage?

Getting a cheaper price on 2013 Volkswagen Passat insurance is not rocket science. You just need to spend a little time getting comparison quotes to find the company with the cheapest auto insurance quotes. It’s really simple and can be done by using one of the methods below.

One of the fastest ways to find the lowest comparison rates is a comparison rater form click here to open form in new window. This style of form keeps you from doing repetitive form entry for every insurance coverage company. Taking the time to complete one form compares rates instantly. Recommended for those who want to invest the least amount of time.

A harder way to find better pricing requires a visit to each company website and request a quote. For example, we’ll pretend you want to get rates from Nationwide, GEICO and Farmers. In order to compare rates, you need to spend time on each company’s site and type in your information over and over, which explains why we recommend starting with the first method. For a handy list of car insurance company links in your area, click here.

However you get your quotes, make sure you use the same coverages and limits for each comparison quote. If you are comparing differing limits then you won’t be able to determine the best price for your Volkswagen Passat.

Special considerations

When buying adequate coverage for your vehicles, there really is no best way to insure your cars. Every situation is different.

These are some specific questions may help you determine if your situation could use an agent’s help.

  • When can I cancel my policy?
  • Is motorclub coverage worth it?
  • If I drive on a suspended license am I covered?
  • Can my teen drive my company car?
  • Do I need an umbrella policy?
  • What is the minimum liability in my state?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.

Car insurance specifics

Having a good grasp of a car insurance policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive (Other than Collision) – This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hail damage, a broken windshield and theft. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision – Collision coverage pays for damage to your Passat resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as damaging your car on a curb, hitting a mailbox, scraping a guard rail, driving through your garage door and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Auto liability – Liability coverage will cover damage that occurs to other people or property by causing an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Another option is a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things like loss of income, pain and suffering, emergency aid, bail bonds and medical services. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

Medical expense insurance – Med pay and PIP coverage pay for expenses like funeral costs, pain medications, X-ray expenses, prosthetic devices and chiropractic care. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Protection from uninsured/underinsured drivers – This protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Volkswagen Passat.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually the UM/UIM limits do not exceed the liability coverage limits.

Never pay more for less

We just showed you a lot of tips how to lower your 2013 Volkswagen Passat insurance prices. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the lowest prices come from an unexpected company.

Lower-priced 2013 Volkswagen Passat insurance can be sourced both online in addition to many insurance agents, and you should compare price quotes from both to have the best selection. Some companies do not provide rate quotes online and most of the time these small, regional companies only sell through local independent agents.

Consumers leave their current company for a number of reasons such as unfair underwriting practices, high rates after DUI convictions, questionable increases in premium and even policy cancellation. Whatever your reason, choosing a new company is not as difficult as it may seem.

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