Looking for cheaper auto insurance rates for your Volkswagen Passat? Nobody I know gets a kick out of paying for auto insurance, especially when they could find lower prices if they just compared rates. Since consumers have many choices, it is hard for the average consumer to choose a more affordable auto insurance company.
Most larger insurance companies give price estimates online. Doing online quotes can be done by anyone as all you need to do is type in the coverage amounts you desire as detailed in the form. Once you submit the form, the system sends out for your driving record and credit report and generates pricing information based on these and other factors. This makes it easy to compare insurance prices but the work required to visit multiple sites and type in your information is a waste of time. But it is imperative to compare as many rates as possible if you are searching for the lowest possible prices on insurance coverage.
An easier way to get multiple rate quotes is to use a quote form that analyzes rates from many companies. It’s a real time-saver, helps eliminate reptitive entry, and makes online quotes a little more enjoyable. As soon as you send your information, it is quoted and you can select any of the quotes returned. If you find a better price it’s easy to complete the application and purchase coverage. This process can be completed in a matter of minutes and could lower your rates considerably.
To quickly compare rates using this form now, simply click here to open in new window and submit your coverage information. If you have a policy now, it’s recommended you duplicate as close as possible to your current policy. This guarantees you will have rate comparison quotes based on the exact same insurance coverage.
Companies don’t list every policy discount in an easy-to-find place, so we researched both well-publicized in addition to some of the lesser obvious credits available to you.
Policy discounts save money, but most discount credits are not given to the entire cost. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though it appears it’s possible to get free car insurance, company stockholders wouldn’t be very happy.
Some companies that may include these benefits may include but are not limited to:
When getting free insurance quotes, it’s a good idea to every insurance company which discounts they offer. Savings might not apply in your state. To see a list of insurance companies with discount auto insurance rates, click here to view.
When choosing proper insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions may help you determine if you could use an agent’s help.
If you’re not sure about those questions but a few of them apply then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.
Learning about specific coverages of your car insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverages available from car insurance companies.
Collision coverage protection
This coverage covers damage to your Passat resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims such as colliding with a tree, crashing into a ditch, sideswiping another vehicle, scraping a guard rail and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.
Coverage for uninsured or underinsured drivers
This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and also any damage incurred to your Volkswagen Passat.
Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Liability coverage
This coverage provides protection from damage or injury you incur to people or other property. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.
Liability insurance covers claims such as structural damage, medical services, attorney fees and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.
Comprehensive car insurance
Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims such as theft, hitting a bird and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Coverage for medical expenses
Med pay and PIP coverage provide coverage for bills such as prosthetic devices, hospital visits and funeral costs. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage