2016 Volkswagen Passat Insurance Quotes

Buyers have many options when searching for the lowest priced Volkswagen Passat insurance. They can either spend hours contacting agents to compare prices or utilize the internet to find the lowest rates.

There is a better way to buy car insurance so we’re going to tell you the quickest way to get price quotes for your Volkswagen and obtain the lowest price from local insurance agents and online providers.

It’s important to check car insurance prices every six months due to the fact that insurance prices trend upward over time. Just because you had the best rates on Passat insurance last year you will most likely find a better rate quote today. There is too much inaccurate information about car insurance online but in this article, you’re going to get the best ways to stop overpaying for insurance.

If you are insured now or need new coverage, you can follow these tips to cut your premiums and still get good coverage. The purpose of this article is to let you in on the best way to quote coverages and some tricks to saving. Vehicle owners only need an understanding of how to shop for insurance on the web.

Verify you’re applying every discount

Some insurance providers don’t always publicize the entire discount list very well, so here is a list both well-publicized and also the more inconspicuous discounts that you may qualify for. If you aren’t receiving every discount you deserve, you are just wasting money.

  • Discount for Multiple Policies – If you can bundle your auto and homeowners insurance and place coverage with the same company you could get a discount of approximately 10% to 15%.
  • Defensive Driver – Participating in a course teaching driver safety skills could cut 5% off your bill and easily recoup the cost of the course.
  • Discounts for New Vehicles – Buying insurance coverage on a new vehicle can be considerably cheaper due to better safety requirements for new vehicles.
  • Student Driver Training – Cut your cost by having your teen driver sucessfully take a drivers education course as it can save substantially.
  • Discount for Swiching Early – A few insurance companies allow discounts for buying a policy prior to the expiration date on your current policy. It could save around 10% when you buy car insurance online.
  • Distant Student Discount – College-age children who attend college more than 100 miles from home and do not have a car may be able to be covered for less.
  • Driving Data Discount – Policyholders that allow data collection to look at driving patterns by using a telematics device such as Progressive’s Snapshot could save a few bucks as long as they are good drivers.

It’s important to note that most discounts do not apply the the whole policy. Most only apply to specific coverage prices like physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, it’s just not the way it works. Any qualifying discounts will definitely lower your policy premiums.

Larger auto insurance companies and a partial list of their discounts are detailed below.

  • American Family may include discounts for early bird, TimeAway discount, Steer into Savings, bundled insurance, and mySafetyValet.
  • Farm Bureau may have discounts that include renewal discount, youthful driver, multi-vehicle, driver training, and good student.
  • State Farm offers discounts including Drive Safe & Save, Steer Clear safe driver discount, student away at school, driver’s education, anti-theft, safe vehicle, and good driver.
  • Travelers includes discounts for early quote, continuous insurance, save driver, student away at school, hybrid/electric vehicle, IntelliDrive, and new car.
  • The Hartford offers discounts for defensive driver, driver training, vehicle fuel type, air bag, and bundle.
  • Geico may offer discounts for emergency military deployment, driver training, good student, five-year accident-free, anti-lock brakes, defensive driver, and daytime running lights.
  • Progressive discounts include continuous coverage, multi-vehicle, good student, online signing, online quote discount, multi-policy, and homeowner.

When getting a coverage quote, ask each company or agent to apply every possible discount. Some discounts listed above might not be offered on policies in your area. For a list of insurers that can offer you the previously mentioned discounts, click here to view.

Compare free car insurance price quotes

Most of the larger companies such as State Farm, Geico and Progressive allow consumers to get insurance quotes on the web. Getting online quotes doesn’t take much effort because you just enter the amount of coverage you want as requested by the quote form. Once you submit the form, their rating system obtains information on your driving record and credit history and quotes a price determined by many factors.

Quoting online makes it a lot easier to compare rates but having to visit multiple sites and type in the same information is a waste of time. But it’s also necessary to have as many quotes as possible if you want to find better car insurance pricing.

A less time-consuming method to find better car insurance pricing requires only one form to get prices from several companies at one time. It saves time, eliminates form submissions, and makes online shopping much simpler. As soon as you send your information, your coverage is rated and you can choose any of the price quotes you receive.

If one or more price quotes are lower than your current rates, you can click and sign and buy the policy. The entire process can be completed in a matter of minutes and may result in a nice savings.

To use this form to compare rates, click here to open in new window and enter your information. If you currently have coverage, we recommend you complete the form with coverages and limits identical to your current policy. Doing this guarantees you will get a fair comparison for similar coverage.

Eight tips to get lower-cost insurance costs

It’s important that you understand some of the factors that aid in calculating your auto insurance rates. When consumers understand what influences your rates, this allows you to make good choices that can help you get lower rates.

The factors shown below are a few of the things utilized by car insurance companies to help set premiums.

  • Single drivers take more risk – Having a wife or husband may earn you lower rates compared to being single. Having a spouse demonstrates that you tend to be more financially stable and statistics prove married drivers get in fewer accidents.
  • Policy lapses lead to higher premiums – Driving with no insurance can get you a ticket and as a result your rates will increase for letting your coverage lapse. And not only will insurance be more expensive, getting caught without coverage might get you fines and jail time. You may need to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
  • Deter vehicle theft – Choosing a vehicle with a theft deterrent system can earn a premium discount. Theft prevention devices such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent auto theft and help lower rates.
  • Safer cars means better prices – Cars with five star safety ratings can get you lower premiums. The safest vehicles reduce occupant injuries and fewer serious injuries means less money paid by your insurance company and lower rates for you.
  • More than one policy can earn a discount – Lots of insurance companies give a discount to clients who buy several policies from them, otherwise known as a multi-policy discount. Discounts can add up to anywhere from five to ten percent in most cases. Even if you already get this discount, drivers will still want to compare other insurance prices to verify if the discount is saving money.
  • Liability insurance limits should be high – The liability section of your policy is the coverage that protects you if ever you are ruled to be at fault for causing damage or personal injury in an accident. This coverage provides legal defense coverage which can be incredibly expensive. Liability insurance is pretty cheap as compared to coverage for physical damage, so insureds should have plenty of protection for their assets.
  • How many miles do you drive? – The more you drive your Volkswagen in a year the more you will pay for auto insurance. Most companies calculate prices based upon how much you drive. Autos used primarily for pleasure use qualify for better rates as compared to vehicles used primarily for driving to work. Make sure your auto insurance policy shows the correct usage, because improper ratings can cost you money. An incorrectly rated Passat may be wasting your money.
  • Do you really need roadside assistance? – There are quite a few additional coverages that can add up if you aren’t careful. Coverages like replacement cost coverage, high-cost glass coverage, and extra equipment coverage are probably not needed. They may seem good initially, but if you don’t need them remove them and pocket the money.

When should I discuss my situation with an agent?

When it comes to choosing coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s situation is a little different.

For example, these questions might help in determining whether or not you could use an agent’s help.

  • Should I put collision coverage on all my vehicles?
  • Why am I required to buy high-risk coverage?
  • What is the ISO rating for a 2016 Volkswagen Passat?
  • Is a blown tire covered by insurance?
  • When should I drop full coverage on my 2016 Volkswagen Passat?
  • What discounts do I qualify for?
  • Which companies will insure high-risk drivers?
  • When should I buy a commercial auto policy?
  • Will filing a claim cost me more?
  • Does my policy cover me when driving someone else’s vehicle?

If you’re not sure about those questions then you might want to talk to an insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and can provide invaluable advice.

Specifics of your insurance policy

Having a good grasp of insurance helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Coverage for uninsured or underinsured drivers

This provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and damage to your Volkswagen Passat.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for collisions

Collision coverage pays for damage to your Passat caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as hitting a parking meter, sideswiping another vehicle and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like hospital visits, doctor visits and surgery. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive insurance

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from getting keyed, theft, hitting a bird, hail damage and a tree branch falling on your vehicle. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto liability insurance

This can cover damage that occurs to people or other property that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has 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 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability can pay for things such as emergency aid, medical expenses, repair costs for stationary objects, attorney fees and loss of income. How much coverage you buy is your choice, but buy as much as you can afford.

Final considerations

Low-cost 2016 Volkswagen Passat insurance is attainable both online and from local agencies, and you should compare price quotes from both in order to have the best chance of saving money. There are still a few companies who may not offer the ability to get quotes online and these regional insurance providers sell through local independent agents.

Insureds change insurance companies for a variety of reasons including poor customer service, being labeled a high risk driver, high rates after DUI convictions or an unsatisfactory settlement offer. No matter why you want to switch, choosing a new company can be pretty painless.

As you quote car insurance, you should never reduce coverage to reduce premium. Too many times, an accident victim reduced uninsured motorist or liability limits only to find out that the savings was not a smart move. Your strategy should be to buy a smart amount of coverage at the best cost, but do not skimp to save money.

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