2015 Volkswagen Passat Insurance Rates

Trying to find cheaper auto insurance rates for your Volkswagen Passat? There isn’t a single person who likes having to buy auto insurance, particularly when the cost is way too high.

There is such a variety of insurers to purchase coverage from, and even though it’s nice to have multiple companies, it can be more challenging to find the lowest rates.

You need to quote other rates before your policy renews because auto insurance prices are constantly changing. Just because you had the lowest price on Passat insurance a few years ago you can probably find a better rate quote now. Ignore everything you know about auto insurance because you’re about to learn the proper way to properly buy coverages while reducing your premium.

How to get low cost car insurance

All the larger car insurance companies give insurance quotes from their websites. This process is quite simple because you just enter your personal and coverage information into the quote form. Once entered, their quoting system will order information on your driving record and credit history and gives you a price quote. Online price quotes makes it simple to compare prices but the process of having to visit a lot of sites and type in the same information is a big time waster. But it’s absolutely necessary to compare as many rates as possible if you are searching for the best price possible.

The smarter way to find better car insurance pricing requires only one form that analyzes rates from a lot of companies. This type of form saves time, requires much less work on your part, and makes online quotes a little more enjoyable. After your information is entered, it is quoted and you can select any one of the resulting price quotes.

If you find a better price it’s easy to complete the application and buy the new coverage. It just takes a couple of minutes and you will know how your current rates stack up.

If you want to get comparison pricing now, click here to open in new window and fill out the form. To compare your current rates, we recommend you copy exactly as shown on your declarations page. This ensures you will have rate quotes using the same coverage and limits.

Affordable insurance coverage rates with discounts

Insurance coverage is not an enjoyable expense, but there’s a good chance there are discounts that many consumers don’t even know exist. Certain discounts will be triggered automatically when you complete an application, but a few must be manually applied in order for you to get them.

  • Mature Driver Discount – Older drivers can possibly qualify for a small discount on rates on Passat insurance.
  • Telematics Data – Insureds that choose to allow their company to track vehicle usage through the use of a telematics system such as Allstate’s Drivewise and State Farm’s In-Drive system may get a rate reduction if their driving habits are good.
  • ABS Braking Discount – Cars with ABS and/or traction control can avoid accidents and will save you 10% or more.
  • Full Payment Discount – If you pay your bill all at once instead of paying each month you can avoid the installment charge.
  • Discounts for Cautious Drivers – Drivers who avoid accidents can save as much as half off their rates on Passat insurance than drivers with accidents.
  • Life Insurance Discount – Select insurance companies reward you with a discount if you purchase auto and life insurance together.
  • Discount for Multiple Policies – When you have multiple policies and place coverage with the same company you could earn a discount of 10% to 20% off each policy.
  • Claim-Free Discount – Claim-free drivers pay less when compared with frequent claim filers.
  • Good Student – Getting good grades can save 20 to 25%. This discount can apply up to age 25.

Don’t be shocked that most discount credits are not given to your bottom line cost. Some only reduce specific coverage prices like collision or personal injury protection. So even though you would think having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

If you would like to choose from a list of insurance companies with significant discounts, click here.

Tailor your insurance coverage to you

When it comes to buying the right insurance coverage, there really is not a “perfect” insurance plan. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that may help highlight whether your personal situation might need an agent’s assistance.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • How high should my medical payments coverage be?
  • Should I put collision coverage on all my vehicles?
  • When should I buy a commercial auto policy?
  • How much liability coverage do I need in my state?
  • Does medical payments coverage apply to all occupants?
  • What is roadside assistance coverage?
  • Do I have coverage when making deliveries for my home business?
  • Will I be non-renewed for getting a DUI or other conviction?
  • What is covered by UM/UIM coverage?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Six tips to get cheaper insurance rates

When buying auto insurance it’s important to understand a few of the rating criteria that help determine your policy premiums. When consumers understand what positively or negatively impacts your premiums, this allows you to make good choices that may result in better auto insurance rates.

Shown below are some of the factors companies use to determine your premiums.

  • City dwellers may pay more – Being located in less populated areas of the country can be a good thing when it comes to auto insurance. Less people corresponds to lower accident rates as well as less vandalism and auto theft. City drivers tend to have more auto accidents and higher rates of accident claims. More time behind the wheel translates into higher accident risk.
  • Liability insurance is cheap – Liability insurance is the protection in the event that a court rules you are at fault for personal injury or accident damage. Your policy’s liability insurance provides you with a defense in court which can cost thousands of dollars. Liability insurance is pretty cheap compared to comp and collision, so insureds should have plenty of protection for their assets.
  • Filing insurance claims can cost you – Companies generally give the lowest premiums to insureds who are not frequent claim filers. If you tend to file frequent claims, you can pretty much guarantee much higher rates or policy non-renewal. Auto insurance is designed for major claims that would cause financial hardship.
  • Vocation stress can affect prices – Occupational choices like fire fightersairline pilots and medical professionals have the highest rates in part from intense work-related stress and incredibly demanding work hours. On the other hand, careers like professors, students and retirees have lower than average premiums on Passat insurance.
  • Know your credit score – An insured’s credit history can be a huge factor in determining your rates. Therefore, if your credit score is not that good, you could pay less to insure your 2015 Volkswagen Passat if you improve your credit rating. People with good credit tend to be better drivers and file fewer claims than drivers who have poor credit.
  • Your car’s features help determine auto insurance rates – Owning a car that has a built-in theft deterrent system can help lower your premiums. Advanced theft deterrents like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft.

Auto insurance advertising gotchas

Well-known auto insurance companies like Progressive, Geico, Allstate and State Farm constantly bombard you with television, radio, and online ads. All the ads try to convey promises that drivers will save a bundle just by moving to them. It sounds good, but how can they all charge you a lower premium? Here is how they do it.

Auto insurance companies have a preferred profile for the driver that will be a good risk. For instance, this type of driver should be over the age of 35, has other policies, and has excellent credit. Anybody who fits that profile will probably get the lowest rates and most likely will save a lot if they switch.

Insureds who do not match this stringent profile will get higher rates and this results in the customer buying from someone else. If you listen to the ad wording, they say “people that switch” not “everyone that quotes” can get the lowest rates when switching. That’s the way companies can truthfully advertise the way they do.

Because each company has a different risk profile, you absolutely need to do a price quote comparison at every renewal. It is just not possible to predict the company that will have better prices than you’re paying now.

Insurance coverages explained

Understanding the coverages of your policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. These are typical coverage types found on most insurance policies.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as damage to your 2015 Volkswagen Passat.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these coverages are similar to your liability insurance amounts.

Coverage for liability – This provides protection from injuries or damage you cause to other’s property or people by causing an accident. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three limits, 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 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against claims like medical services, repair costs for stationary objects, pain and suffering, structural damage and loss of income. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like doctor visits, hospital visits, funeral costs, X-ray expenses and prosthetic devices. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision – This coverage will pay to fix damage to your Passat resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like damaging your car on a curb, rolling your car, crashing into a building and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision – Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like rock chips in glass, theft, hitting a bird and a tree branch falling on your vehicle. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Shop around and save

Some insurance companies do not offer the ability to get a quote online and many times these small insurance companies only sell coverage through independent insurance agents. Discount 2015 Volkswagen Passat insurance is possible from both online companies as well as from insurance agents, and you need to comparison shop both to have the best rate selection.

We just showed you some good ideas how you can get a better price on 2015 Volkswagen Passat insurance. It’s most important to understand that the more providers you compare, the better your comparison will be. Consumers could even find that the best car insurance rates are with a smaller regional carrier. These companies may only write in your state and offer lower premium rates than their larger competitors like Allstate or State Farm.

Additional auto insurance information is available at the links below