2016 Volkswagen Passat Insurance Rates

Having to pay for pricey Volkswagen Passat insurance can eat up your bank account and force you to make sacrifices. Comparing rate quotes can lower your rates and help to ensure you are getting the best deal.

Insurance companies such as GEICO, Progressive and Allstate promote their brand names with ads and it can be hard to avoid their marketing magic and do the work needed to find the best deal.

It’s a good habit to take a look at other company’s rates before your next renewal due to the fact that insurance prices change frequently. Even if you got the lowest price on Passat insurance six months ago a different company probably has better rates today. You’ll find a ton of advice on car insurance online, but we’re going to give you some of the best ways to quit paying high car insurance rates.

If you have a policy now or are looking for a new policy, you can use these techniques to cut your premiums and possibly find even better coverage. Buying car insurance is easy if you know what you’re doing. Consumers just need to learn the proper way to shop their coverage around online.

Don’t overlook these insurance coverage discounts

Not many people think insurance is cheap, but there may be some discounts that many consumers don’t even know exist. A few discounts will automatically apply when you complete an application, but a few must be asked for before being credited.

  • Include Life Insurance and Save – Not all insurance coverage companies offer life insurance, but some may give you a discounted insurance coverage rate on car insurance if you buy a life insurance policy as well.
  • Claim-Free Discount – Drivers who don’t have accidents are rewarded with significantly better rates on auto insurance quote in comparison with insureds who have frequent claims or accidents.
  • Paper-free Discount – A handful of companies will discount your bill up to fifty bucks for buying a policy and signing up on your computer.
  • Own a Home – Being a homeowner may earn you a small savings because it is proof of financial responsibility.
  • Active Service Discounts – Having a deployed family member could mean lower rates.
  • Multiple Cars – Purchasing coverage when you have more than one vehicle with the same insurance coverage company qualifies for this discount.
  • Theft Prevention System – Cars, trucks, and SUVs that have factory anti-theft systems are less likely to be stolen and therefore earn up to a 10% discount.
  • Driver Training Discounts – Taking time to complete a class that teaches driver safety techniques could save 5% or more depending on where you live.
  • Senior Citizens – If you’re over the age of 55, you may receive a small discount on rates on Passat insurance.
  • Telematics Discount – Policyholders that allow their company to scrutinize driving patterns remotely like Drivewise from Allstate or In-Drive from State Farm might get better premium rates if their driving habits are good.

As a footnote on discounts, most credits do not apply to the overall cost of the policy. A few only apply to specific coverage prices like comp or med pay. Just because you may think you can get free auto insurance, companies wouldn’t make money that way.

If you would like to choose from a list of insurance coverage companies that have a full spectrum of discounts, click here to view.

Finding auto insurance

Finding cheaper auto insurance rates is surprisingly easy. The only requirement is to spend a few minutes to compare rate quotes to find the company with cheaper auto insurance quotes. This can easily be done in a couple of different ways.

If you are pressed for time, the simplest way to find low rates is to use a rate comparison form like this one (opens in new window). This method saves time by eliminating separate quotation requests for every company. One form gets rate comparisons from auto insurance companies with the best prices.

A more difficult way to get comparison quotes is to manually visit the website of each company and get a separate price quote. For example, we’ll pretend you want to see prices from USAA, Progressive and State Farm. To get each rate you have to go to each individual site and enter your information, which is not fast way to get rate quotes. For a list of links to insurance companies in your area, click here.

The least efficient way to find lower rates is actually driving to different agent offices. Doing it all online can eliminate the need for a local agent unless you prefer the professional advice of an agent trained in personal lines coverage. If you prefer, some companies allow you to compare the best prices online but buy from a local insurance agent.

Compare rates however you want, just do your best to use nearly identical coverage data with every price quote. If you compare different coverage information you will not be able to determine the best price for your Volkswagen Passat.

When to get professional advice

When choosing proper insurance coverage for your vehicles, there really is not a single plan that fits everyone. Every situation is different and a cookie cutter policy won’t apply. These are some specific questions could help you determine if your insurance needs may require specific advice.

  • Which is better, split liability limits or combined limits?
  • Should I buy only the required minimum liability coverage?
  • Is other people’s property covered if stolen from my vehicle?
  • What if I don’t agree with a claim settlement offer?
  • Am I covered by my spouse’s policy after a separation?
  • How do I insure my teen driver?
  • Can my babysitter drive my car?
  • Does my policy pay for OEM or aftermarket parts?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

Car insurance coverages and their meanings

Understanding the coverages of a car insurance policy aids in choosing the best coverages and proper limits and deductibles. Car insurance terms can be confusing and coverage can change by endorsement. Shown next are the normal coverages found on the average car insurance policy.

Coverage for liability – This coverage provides protection from damages or injuries you inflict on other people or property in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Some companies may use a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as emergency aid, repair bills for other people’s vehicles and bail bonds. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.

Comprehensive coverage – This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as fire damage, hitting a deer, hail damage, damage from a tornado or hurricane and a broken windshield. The most your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision – This coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as rolling your car, crashing into a ditch, hitting a mailbox and crashing into a building. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage – This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and also any damage incurred to your Volkswagen Passat.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these coverages are identical to your policy’s liability coverage.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like dental work, doctor visits and X-ray expenses. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Never pay more for less

Low-cost 2016 Volkswagen Passat insurance can be found from both online companies as well as from insurance agents, and you need to price shop both in order to have the best chance of saving money. There are still a few companies who may not offer the ability to get quotes online and many times these regional insurance providers work with independent agencies.

We’ve covered some good ideas how to shop for 2016 Volkswagen Passat insurance online. The key concept to understand is the more times you quote, the better your comparison will be. Consumers could even find that the best premium rates are with a small local company. Regional companies can often provide lower prices in certain areas as compared to the big name companies such as Allstate or State Farm.

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