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Volkswagen Passat Insurance Rates

You have many choices when buying insurance for your Volkswagen vehicle. You can buy direct from an insurance agent or go online to compare pricing from multiple insurance companies. Finding cheaper auto insurance on the web can be fast and easy, in addition you may find lower rates.

If you are a novice to online auto insurance shopping, you may be confused by the hoards of auto insurance companies selling insurance. Finding lower Passat insurance cost isn't really that difficult. You just have to spend a little time to compare quotes provided by online insurance companies. It is quite easy and can be accomplished by visiting this page.

Criteria which help determine Passat insurance quotes

Insurance premiums for a Volkswagen Passat can vary widely depending on several factors. A few of these criteria are:

  • Higher performance Passat vehicles cost more
  • Any accidents you may have
  • Home/auto policy bundles save money
  • Use of your vehicle
  • Young drivers cost more
  • Being married can lower rates
  • Optional coverages like vehicle replacement
  • Whether or not you have claims
  • No coverage lapses saves money
  • Owning a home can lower rates

One important consideration which can affect your rates is the age of the vehicle. A newer vehicle have a higher actual cash value compared to older Volkswagen models so the cost to replace them can inflate annual premiums. Conversely, more recent Volkswagen vehicles have more advanced features such as tire pressure monitors, active head restraints, and pedestrian detection which can provide discounts that lower premiums.

To get a better idea how much rates will be for your vehicle, select the year of your Passat from the following list.

Liability car insurance - This coverage will cover injuries or damage you cause to other people or property that is your fault. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so buy higher limits if possible.

Collision coverage - This will pay to fix damage to your Volkswagen caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in. Passat collision insurance is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Comprehensive auto insurance - Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - This coverage gives you protection from other drivers when they are uninsured or don't have enough coverage. Since a lot of drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Coverage for medical expenses - Personal Injury Protection (PIP) and medical payments coverage pay for bills like ambulance fees, surgery, and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage.

How Much are Volkswagen Passat Insurance Rates?