2005 Volkswagen Passat Car Insurance Quotes – 7 Discounts for Cheaper Rates

Looking for the cheapest insurance coverage rates for your Volkswagen Passat? Are you drained from robbing Peter to pay Paul to pay high insurance coverage rates every month? You are no different than millions of other consumers. You have so many auto insurance companies to buy insurance from, and although it’s a good thing to have multiple companies, it makes it harder to find the best rates for your vehicles.

How to buy insurance coverage

Most larger insurance companies like Geico, State Farm and Progressive allow you to get pricing on the web. Getting quotes is fairly simple because you just enter the coverage amounts you desire on the page. When complete, the company’s rating system obtains reports for credit and driving violations and returns pricing information based on many factors. Being able to quote online streamlines rate comparisons, but the process of having to visit many different websites and enter the same data into a form is a waste of time. But it is imperative to have as many quotes as possible in order to get the lowest possible prices on insurance coverage.

There is a better way to compare rates

An easier way to compare insurance coverage pricing requires only one form that gets prices from a lot of companies. It’s a real time-saver, eliminates repetitive work, and makes online price comparison a lot less work. Once the form is submitted, it gets priced with multiple companies and you can pick any of the resulting price quotes. If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. The whole process only takes a few minutes and can result in significant savings.

To find out what other companies charge, click here and submit the form. If you currently have coverage, we recommend you type in the coverages just like they are on your policy. This way, you will have a fair comparison using the same coverage and limits.

Verify you’re getting every discount

Companies that sell car insurance don’t always publicize all disounts in an easy-to-find place, so the following is a list of both the well known in addition to some of the lesser obvious discounts you could be receiving when you buy insurance coverage online.

  • Save with More Vehicles Insured – Insuring several vehicles with the same auto insurance company can reduce the rates for all insured vehicles.
  • Online Discount – Some of the larger companies will discount your bill up to fifty bucks for signing up on the web.
  • Discount for New Cars – Putting auto insurance coverage on a new car can be considerably cheaper compared to insuring an older model.
  • Theft Deterent System – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and will save you 10% or more.
  • Accident-Free Discounts – Insureds who avoid accidents and claims pay much less compared to policyholders that have many claims.
  • Discounts for Responsible Drivers – Safe drivers can pay as much as 50% less on Passat coverage compared to accident prone drivers.
  • Active Service Discounts – Having an actively deployed family member could be rewarded with lower prices.

Remember that some credits don’t apply the the whole policy. Most cut the cost of specific coverages such as comprehensive or collision. If you do the math and it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way.

A partial list of companies that may offer quotes with most of the discounts above include:

Check with every insurance company which credits you are entitled to. A few discounts may not apply to policies everywhere. To view companies with the best discounts, click this link.

When should I discuss my situation with an agent?

When it comes to choosing adequate coverage, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions can aid in determining whether you could use an agent’s help.

  • Are there companies who specialize in insuring high-risk drivers?
  • Is a fancy paint job covered?
  • Does coverage extend to Mexico or Canada?
  • Does coverage extend to my business vehicle?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Do I need an umbrella policy?

If you’re not sure about those questions, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area. It’s fast, free and may give you better protection.

Car insurance policy specifics

Understanding the coverages of your policy can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. These are typical coverages found on the average car insurance policy.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from flooding, hitting a bird, fire damage and vandalism. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability – Liability coverage protects you from damages or injuries you inflict on a person or their property. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy 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 $100,000 of coverage for damaged propery.

Liability coverage protects against things like court costs, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Collision coverages – Collision coverage pays to fix your vehicle from damage caused by 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 can pay for claims such as driving through your garage door, rolling your car, damaging your car on a curb and crashing into a building. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance pay for expenses like hospital visits, prosthetic devices and chiropractic care. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage