How Much Does 2007 Volkswagen Passat Insurance Cost?

Looking for the cheapest insurance rates for your Volkswagen Passat? Are you tired of scraping nickels together to pay insurance each month? Your situation is no different than millions of other vehicle owners. Vehicle owners have many car insurance companies to insure vehicles with, and although it’s nice to have multiple companies, it can be more challenging to compare company pricing.

Consumers should take time to get comparison quotes occasionally because prices go up and down regularly. Despite the fact that you may have had the best rates on Passat insurance six months ago the chances are good that you can find a lower premium rate today. Forget anything you know (or think you know) about insurance because you’re about to find out one of the quickest ways to find better coverage at a better price.

Choosing the best insurance company for you is not rocket science. If you have a policy now or are shopping for new coverage, you can use these tips to find the best rates while maximizing coverage. Drivers just need to know the proper methods to compare company rates over the internet.

Get more affordable insurance with these tips

Consumers need to have an understanding of some of the factors that come into play when calculating your premiums. If you know what determines base rates, this allows you to make good choices that can earn you lower rates.

  • Buy a safe car and pay less – Cars with five star safety ratings tend to have better insurance rates. These vehicles protect occupants better and fewer serious injuries means your insurance company pays less and more competitive rates for policyholders. If the Volkswagen Passat scored better than four stars on Safercar.gov you may be receiving a better rate.
  • Drive lots and pay more – Driving a lot of miles every year the more you’ll pay to insure your vehicle. Most companies price each vehicle’s coverage partially by how you use the vehicle. Autos left parked in the garage qualify for better rates than vehicles that are driven to work every day. Double check that your vehicle rating shows how each vehicle is driven, because improper ratings can cost you money. An improperly rated Passat can result in significantly higher rates.
  • Deter theft and reduce insurance rates – Choosing a vehicle that has an advanced theft prevention system can save you a little every year. Theft deterrent systems like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your vehicle from being stolen.
  • Prices and employer – Jobs such as doctorsairline pilots and emergency personnel tend to pay the highest rates because of high stress levels and extremely grueling work hours. On the flip side, jobs like professors, athletes and homemakers receive lower rates on Passat insurance.

These discounts can lower your car insurance quotes

Companies offering auto insurance don’t always list every policy discount very clearly, so the list below contains a few of the more common and the harder-to-find discounts that may be available. If you aren’t receiving every discount you deserve, you are just wasting money.

  • Home Ownership Discount – Simply owning a home can earn you a little savings because of the fact that having a home demonstrates responsibility.
  • Multiple Cars – Purchasing coverage when you have all your vehicles on a single policy qualifies for this discount.
  • Good Student – Getting good grades can get you a discount of up to 25%. This discount can apply until age 25.
  • Multi-policy Discount – If you have multiple policies and place coverage with the same company they may give you a discount of approximately 10% to 15%.
  • Accident Forgiveness Coverage – Not necessarily a discount, but companies like Geico and Allstate allow you one accident before raising your premiums with the catch being you have to be claim-free for a specific time period.

As is typical with insurance, some credits don’t apply the the whole policy. Most only apply to individual premiums such as collision or personal injury protection. Just because you may think having all the discounts means you get insurance for free, it doesn’t quite work that way.

Companies and some of their more popular discounts are detailed below.

  • The Hartford policyholders can earn discounts including vehicle fuel type, defensive driver, air bag, anti-theft, good student, and bundle.
  • American Family offers discounts for TimeAway discount, multi-vehicle, defensive driver, accident-free, and air bags.
  • Progressive has discounts for good student, continuous coverage, online signing, homeowner, multi-policy, multi-vehicle, and online quote discount.
  • Travelers may offer discounts for save driver, payment discounts, new car, continuous insurance, driver training, and multi-car.
  • Farmers Insurance includes discounts for early shopping, multi-car, electronic funds transfer, homeowner, youthful driver, distant student, and switch companies.
  • USAA may include discounts for safe driver, driver training, new vehicle, annual mileage, defensive driver, and family discount.
  • Liberty Mutual discounts include good student, safety features, new vehicle discount, new move discount, new graduate, and newly married.

If you need the cheapest insurance coverage quotes, ask every company which discounts you may be entitled to. Some credits may not be available in your area.

Different people need different car insurance coverages

When it comes to choosing adequate coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s situation is a little different so your insurance should reflect that For example, these questions might help in determining whether you may require specific advice.

  • Where can I find DUI or SR-22 insurance?
  • Do I have any recourse if my insurance company denies a claim?
  • What is the rate difference between pleasure use and commuting?
  • Why does it cost so much to insure a teen driver?
  • Is my Volkswagen Passat covered if I use it for business?
  • Can my babysitter drive my car?
  • Is borrowed equipment or tools covered if stolen or damaged?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

The coverage is in the details

Learning about specific coverages of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring. These are the usual coverages available from insurance companies.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hail damage, a broken windshield, hitting a bird and hitting a deer. The most a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for bills for X-ray expenses, chiropractic care, hospital visits and doctor visits. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Auto collision coverage

Collision insurance covers damage to your Passat resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as crashing into a ditch, crashing into a building and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Protection from uninsured/underinsured drivers

This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and also any damage incurred to your 2007 Volkswagen Passat.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Auto liability insurance

Liability insurance can cover damage or injury you incur to a person or their property by causing an accident. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things like repair costs for stationary objects, funeral expenses, emergency aid, attorney fees and bail bonds. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

A penny saved is a penny earned

When you buy insurance coverage online, it’s not a good idea to sacrifice coverage to reduce premiums. There have been many cases where consumers will sacrifice uninsured motorist or liability limits only to find out that saving that couple of dollars actually costed them tens of thousands. The aim is to buy a smart amount of coverage at the best possible price and still be able to protect your assets.

More affordable car insurance is definitely available online and from local agencies, so get free insurance coverage quotes from both of them to have the best selection. Some insurance providers do not provide the ability to get quotes online and many times these smaller companies provide coverage only through local independent agents.

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