2018 Volkswagen Passat Car Insurance Quotes

Are you irritated from scraping nickels together to insure your Volkswagen every month? You are no different than the majority of other vehicle owners.

Because there are so many car insurance companies to choose from, it is hard for the average consumer to choose a more affordable insurance company.

This article will let you in on how to effectively get price quotes and some money-saving tips. If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these methods. But vehicle owners must comprehend the way insurance companies price online insurance.

Cheap insurance rates with discounts

Companies that sell car insurance don’t necessarily list every discount very clearly, so we researched both well-publicized and also the more inconspicuous discounts you could be receiving when you buy auto insurance online.

  • Homeowners Discount – Owning a house may trigger a policy discount on insurance because owning a home requires a higher level of personal finance.
  • Military Discounts – Being deployed in the military could mean lower insurance rates.
  • Government Employee Discount – Having worked for a branch of the government may qualify for a discount when you quote auto insurance on Passat insurance depending on your insurance provider.
  • Multi-policy Discount – If you combine your homeowners and auto policies with one insurance company you may earn nearly 15% which can help you find the cheapest auto insurance.
  • Seat Belts Save – Requiring all passengers to use a seat belt can save 10% or more on the premium charged for medical payments and/or PIP.
  • Braking Control Discount – Cars, trucks, and SUVs that have anti-lock braking systems are safer to drive and will save you 10% or more.
  • Student Discounts – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
  • Accident Free – Insureds with no claims or accidents get the best insurance rates when compared with frequent claim filers.
  • Waiver for an Accident – This one isn’t a discount, but a few companies such as Liberty Mutual, Allstate and State Farm will turn a blind eye to one accident without the usual rate increase so long as you haven’t had any claims for a particular time prior to the accident.
  • Telematics Data – Drivers that enable companies to scrutinize driving manner by using a small device installed in their vehicle such as State Farm’s In-Drive could possibly reduce rates as long as the data is positive.

You can save money using discounts, but most discount credits are not given to the overall cost of the policy. Most cut the price of certain insurance coverages like collision or personal injury protection. Despite the appearance that you could get a free insurance policy, companies wouldn’t make money that way.

To view insurers who offer online insurance quotes, follow this link.

Compare car insurance quotes

There are a variety of methods you can shop for car insurance but there is one way that is less labor-intensive and much quicker. You could spend the better part of a day talking to insurance agencies in your area, or you could save time and use online quotes to accomplish the same thing much quicker.

All the larger companies participate in an industry program that allows shoppers to enter their coverage request one time, and every company returns a rated price determined by their information. This saves time by eliminating quote forms to each company.

To get comparison pricing now click to open in new window.

One minor caviat to using this type of form is you don’t know exactly the providers you will receive quotes from. So if you prefer to choose specific providers for rate comparison, we have a listing of low cost car insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but ensure you are comparing apples-to-apples coverage data with each company. If you have mixed coverages you can’t possibly decipher which rate is best. Having just a slight variation in coverages can result in a big premium difference. And when quoting car insurance, remember that more quotes will improve the odds of getting better pricing.

Tailor your insurance coverage coverage to you

When it comes to buying adequate coverage for your vehicles, there really is no best way to insure your cars. Everyone’s needs are different and your policy should reflect that. These are some specific questions might point out whether or not you might need professional guidance.

  • Do I really need UM/UIM coverage?
  • Am I insured when driving a different vehicle?
  • What exactly is covered by my policy?
  • Do I need added coverage for expensive stereo equipment?
  • What is an SR-22 filing?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Does my 2018 Volkswagen Passat qualify for pleasure use?
  • Is a blown tire covered by insurance?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Coverages available on your policy

Knowing the specifics of your policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are the normal coverages found on most insurance policies.

Liability coverage

This coverage will cover injuries or damage you cause to other’s property or people in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

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. As an example, you may have policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things such as loss of income, funeral expenses, bail bonds and structural damage. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Coverage for uninsured or underinsured drivers

This gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2018 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. So UM/UIM coverage is a good idea. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Auto collision coverage

This coverage pays for damage to your Passat resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as driving through your garage door, crashing into a building, hitting a mailbox, rolling your car and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive insurance

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as hitting a deer, vandalism, a broken windshield and a tree branch falling on your vehicle. The most a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for medical expenses

Med pay and PIP coverage kick in for immediate expenses like chiropractic care, pain medications and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

One last thing

When getting auto insurance quotes online, it’s a bad idea to buy poor coverage just to save money. There have been many cases where an accident victim reduced full coverage only to discover later they didn’t have enough coverage. The proper strategy is to buy the best coverage you can find at an affordable rate.

We just presented many ways to get a better price on 2018 Volkswagen Passat insurance. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may discover the lowest premium rates are with a small local company. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as Progressive or GEICO.

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