Vehicles > Volkswagen > Passat

Volkswagen Passat Insurance Cost

You have lots of choices when finding cheaper insurance coverage on your Volkswagen vehicle. You can either contact a local agent or price shop online to compare rates from multiple insurance companies. Comparing car insurance on the web is simple to do and at the same time you might just save a little.

Using the web to shop for car insurance direct is challenging if you have never used quoting online. But don't be discouraged because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to get quotes and find the best price. The easiest way by far to compare Passat insurance rates involves getting comparison quotes online. It is quite easy and can be accomplished by comparing rates here.

What influences car insurance premiums?

Auto insurance rates on a Volkswagen Passat can be significantly different subject to many criteria. Taken into consideration are:

  • More performance equals higher cost
  • How many accidents you have had
  • Home and auto can earn discounts
  • Pleasure use vs. commuting use
  • Young drivers cost more
  • Whether you are married
  • Special coverage such as replacement cost
  • What you do for a living
  • Insurance coverage level
  • Whether you rent or own your home

A final factor that can impact Passat insurance cost is the model year. Used vehicles have a reduced actual cash value in comparison to older models so the cost to replace them can decrease annual premiums. Although more recent Volkswagen vehicles may have a trim level with safety features included like adaptive cruise control, sideview assist mirrors, dual-stage airbags, and a telematics system that may help lower rates.

To get a better understanding how much rates will be for your vehicle, select the year of your Passat from available model years below.

Liability car insurance

Passat liability coverage will cover damages or injuries you inflict on people or other property. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so consider buying as large an amount as possible.

Collision protection

This coverage will pay to fix damage to your Volkswagen resulting from a 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 coverage for your Passat can be pricey, so consider removing coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper Passat insurance cost.

Comprehensive car insurance

This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by your Volkswagen Passat comprehensive insurance. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured or underinsured coverage

This protects you and your vehicle's occupants from other motorists when they are uninsured or don't have enough coverage. Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay.

How Much are Volkswagen Passat Insurance Rates?