2015 Volkswagen Passat Insurance Rates

Drivers have lots of choices when trying to find low-cost Volkswagen Passat insurance. You can either waste hours contacting agents to get rate comparisons or save time using the internet to find the lowest rates. There is a better way to shop for insurance coverage and you need to know the quickest way to compare rates for your Volkswagen and locate the cheapest rates from local insurance agents and online providers.

You should make it a habit to get comparison quotes on a regular basis since insurance prices change quite often. If you had the lowest rate for Passat insurance a few years ago there may be better deals available now. There are lots of tips to save on insurance coverage on the internet, but in just a couple of minutes you can learn the easiest ways to slash your insurance coverage rates.

How to compare free auto insurance price quotes

Getting cheaper 2015 Volkswagen Passat auto insurance pricing is actually easier than you may think. Just take a few minutes to get quotes online with multiple companies. It’s super easy and can be done by using one of the methods below.

  • The first (and easiest) way to get quotes would be an industry-wide quote request form like this one (opens in new window). This method saves time by eliminating separate quotation requests for every prospective company. One simple form will return price quotes from many national carriers.It’s the quickest way to get rates.
  • A more time consuming way to find more affordable insurance is spending the time to visit the website for each individual company to request a price quote. For sake of this example, let’s assume you want to compare rates from Liberty Mutual, Farmers and State Farm. To get each rate you have to spend time on each company’s site and enter your policy data, which is why the first method is more popular.

    To view a list of companies in your area, click here.

The method you choose is up to you, but ensure you are comparing identical coverage information for each comparison quote. If you are comparing different data it will be nearly impossible to determine which rate is truly the best.

Take policy discounts and save

Some companies don’t always publicize all possible discounts in a way that’s easy to find, so we break down some of the best known and the more hidden ways to save on insurance.

  • Defensive Driver – Passing a safe driver course can save you 5% or more and easily recoup the cost of the course.
  • Seat Belt Usage – Forcing all vehicle occupants to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Online Discount – Many insurance companies will provide an incentive simply for signing on your computer.
  • ABS Braking Discount – Cars and trucks that have anti-lock braking systems have fewer accidents and earn discounts up to 10%.
  • Theft Deterent System – Cars and trucks that have factory anti-theft systems can help prevent theft and that can save you a little bit as well.
  • Discounts for Government Workers – Federal government employees could cut as much as 10% off for Passat insurance but check with your company.

Consumers should know that some credits don’t apply to your bottom line cost. Most cut the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, it’s just not the way it works.

A list of companies and a partial list of their discounts can be found below.

  • GEICO may include discounts for anti-theft, driver training, good student, daytime running lights, defensive driver, and military active duty.
  • Travelers may have discounts that include student away at school, home ownership, multi-policy, new car, and early quote.
  • Nationwide offers premium reductions for multi-policy, family plan, defensive driving, anti-theft, good student, Farm Bureau membership, and accident-free.
  • Farmers Insurance has savings for bundle discounts, multi-car, teen driver, electronic funds transfer, business and professional, and alternative fuel.
  • Esurance discounts include defensive driver, good driver, multi-car, claim free, and DriveSense.
  • State Farm has discounts for passive restraint, multiple policy, Steer Clear safe driver discount, accident-free, anti-theft, driver’s education, and good driver.
  • Progressive policyholders can earn discounts including multi-vehicle, continuous coverage, online quote discount, homeowner, online signing, and good student.
  • Mercury Insurance may offer discounts for annual mileage, accident-free, professional/association, multi-policy, good student, and low natural disaster claims.

It’s a good idea to ask every prospective company how many discounts you can get. Some credits may not apply to policies everywhere.

Informed decisions result in lower insurance costs

Smart consumers have a good feel for some of the elements that come into play when calculating the price you pay for car insurance. If you have a feel for what determines premiums, this enables you to make decisions that could help you find lower car insurance prices. Lots of factors are taken into consideration when premium rates are determined. Most are fairly basic like a motor vehicle report, but some are not quite as obvious such as whether you are married or how financially stable you are.

The list below includes some of the most rate-impacting factors companies use to determine your rates.

  • Big city or small town – Living in a rural area is a good thing when insuring your vehicles. Drivers who live in large cities regularly have traffic congestion and more time behind the wheel. Less people living in that area corresponds to lower accident rates in addition to lower liability claims
  • Incidental coverages that may not be needed – Policies have extra bells and whistles you can purchase on your car insurance policy. Coverages for vanishing deductibles, death and dismemberment, and term life insurance may be wasting your money. These may sound like a good investment initially, but your money might be better spent on other coverage so get rid of them and save.
  • Cheaper car insurance rates with safer cars – Cars with five star safety ratings tend to have lower insurance rates. The safest vehicles result in less severe injuries and lower rates of occupant injuries means less money paid by your insurance company and cheaper rates on your policy.
  • Rate your vehicle for proper use – Driving a lot of miles in a year the more you will pay for car insurance. Most insurance companies price each vehicle’s coverage based upon how the vehicle is primarily used. Cars and trucks that sit idle most of the time receive lower rates than vehicles that have high annual mileage. An improperly rated Passat can result in significantly higher rates. Ask your agent if your car insurance policy correctly shows annual mileage, because improper ratings can cost you money.

Which policy gives me the best coverage?

When buying adequate coverage for your personal vehicles, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s.

For example, these questions may help highlight if your insurance needs would benefit from professional advice.

  • Am I covered if hit by an uninsured driver?
  • Is my Volkswagen Passat covered if I use it for business?
  • Where can I get insurance after a DUI in my state?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Do I benefit by insuring my home with the same company?
  • How much liability coverage do I need in my state?
  • I have good health insurance, so how much medical payments coverage do I need?
  • At what point should I drop full coverage?
  • Do I need replacement cost coverage on my 2015 Volkswagen Passat?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance savings promises

Drivers constantly see and hear ads that promise big savings by companies like GEICO, State Farm and Progressive. All the ads try to convey promises that drivers will save a bundle just by moving your auto insurance policy to them.

It sounds good, but how can they all give you a better price? It’s all in the wording.

Insurance providers have specific guidelines for the driver that will not have excessive claims. One example of this type of risk profile might be between the ages of 40 and 55, has few claims, and has excellent credit. Anybody that meets those criteria will get a cheap rate quote and therefore will save money with a new company.

Potential insureds who do not meet the ideal profile will have to pay more expensive rates which results in the customer buying from a different company. The trick companies use is to say “drivers that switch” not “all people who quote” can get the lowest rates when switching. That’s why insurance companies can confidently make the claims of big savings. This illustrates why you really should compare quotes as often as possible. Because without a comparison, you cannot know which company will have the best prices.

Information about specific coverages

Knowing the specifics of your policy aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Auto liability

This provides protection from injuries or damage you cause to people or other property by causing an accident. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things such as repair bills for other people’s vehicles, medical expenses, medical services and attorney fees. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.

Medical costs insurance

Med pay and PIP coverage reimburse you for expenses such as rehabilitation expenses, surgery, pain medications and X-ray expenses. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage 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.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive or Other Than Collision

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

Comprehensive coverage protects against things like rock chips in glass, damage from flooding, hitting a bird and damage from a tornado or hurricane. The maximum amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Auto collision coverage

Collision coverage will pay to fix damage to your Passat resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like hitting a mailbox, backing into a parked car, rolling your car, crashing into a ditch and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

At the end of the day…

In this article, we presented a lot of tips how to save on 2015 Volkswagen Passat insurance. The most important thing to understand is the more quotes you get, the better your comparison will be. You may be surprised to find that the lowest priced car insurance comes from a company that doesn’t do a lot of advertising.

People change insurance companies for a number of reasons such as poor customer service, high prices, an unsatisfactory settlement offer and even delays in paying claims. It doesn’t matter why you want to switch choosing a new company can be easier than you think.

When buying insurance coverage, don’t be tempted to buy poor coverage just to save money. There are too many instances where drivers have reduced full coverage only to find out that the savings was not a smart move. The proper strategy is to purchase a proper amount of coverage at the best cost while still protecting your assets.

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