2012 Volkswagen Passat Insurance Quotes

Finding the cheapest insurance on the web is challenging for consumers not familiar with online price comaprisons. With so many insurers available, how can consumers even start to compare every company to locate the lowest price?

Pricing affordable coverage can be fairly easy. Essentially anyone who has to buy insurance coverage will most likely be able to reduce their rates. Nevertheless, car owners need to have an understanding of how insurance companies compete online and apply this information to your search.

Car Insurance Comparisons

Most major insurance companies such as 21st Century, Allstate and State Farm allow you to get pricing on the web. The process is quite simple as you just type in the coverage amounts you desire into a form. Once entered, their system will order your credit score and driving record and generates a price.

Online price quotes streamlines rate comparisons, but the time it takes to visit each company’s website and repetitively complete many quote forms gets old quite quickly. But it is imperative to compare as many rates as possible if you are searching for the best price possible.

Compare rates the easy way

A more efficient way to lower your rates uses one simple form to get prices from more than one company. It saves time, reduces the work, and makes online quotes much simpler. As soon as the form is sent, it is rated and you can choose any one of the returned quotes.

If a lower price is quoted, you can click and sign and buy the new coverage. This process takes 15 minutes at the most and may result in a nice savings.

To quickly use this form to compare rates, click here to open in a new tab and submit your coverage information. If you have coverage now, it’s recommended you input your coverages exactly as they are listed on your policy. This helps ensure you will have rate quotes for similar coverage.

Ads can be misleading

Auto insurance companies such as 21st Century, Allstate and State Farm regularly use ads in print and on television. They all seem to say the same thing of big savings if you move to them. How can each company make almost identical claims? It’s all in the numbers.

All the different companies can use profiling for the type of customer that earns them a profit. For instance, a driver they prefer might be profiled as over the age of 50, owns a home, and drives newer vehicles. A customer getting a price quote who matches those parameters receives the best rates and as a result will probably save when switching.

Drivers who don’t measure up to the “perfect” profile will be quoted more money which usually ends up with the driver buying from a lower-cost company. The ad wording is “customers that switch” not “people who quote” save that much. That’s the way companies can make the claims of big savings.

This emphasizes why drivers must get as many comparisons as possible. You cannot predict which insurance companies will give you the biggest savings on Volkswagen Passat insurance.

Save big with these discounts

Properly insuring your vehicles can get expensive, but you may find discounts that you may not know about. Certain discounts will be applied at the time of quoting, but some must be asked about in order for you to get them.

  • Claim Free – Drivers with accident-free driving histories can save substantially when compared with drivers who are more careless.
  • Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. The good student discount can last up to age 25.
  • Accident Waiver – Certain companies permit an accident before raising your premiums as long as you don’t have any claims prior to the accident.
  • Save with a New Car – Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.
  • 55 and Retired – Mature drivers may receive better car insurance rates on Passat insurance.
  • Sign Online – A handful of insurance companies will give a small break just for signing your application over the internet.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Some only apply to specific coverage prices like liability, collision or medical payments. So despite the fact that it appears all the discounts add up to a free policy, you’re out of luck. Any qualifying discounts will reduce your premiums.

To see a list of insurers who offer car insurance discounts, follow this link.

But I don’t know anything about car insurance

When it comes to buying the right insurance coverage, there really is no cookie cutter policy. Everyone’s needs are different.

Here are some questions about coverages that might help in determining whether you will benefit from professional help.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • If my 2012 Volkswagen Passat is totaled, can I afford another vehicle?
  • How high should my medical payments coverage be?
  • Do I pay less if my vehicle is kept in my garage?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Do I need rental car coverage?
  • Are all vehicle passengers covered by medical payments coverage?
  • What happens if I owe more than my 2012 Volkswagen Passat is worth?
  • I have a DUI can I still get coverage?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form.

Auto insurance coverages and their meanings

Understanding the coverages of your policy helps when choosing the best coverages and proper limits and deductibles. Auto insurance terms can be difficult to understand and coverage can change by endorsement.

Collision coverage protection

This covers damage to your Passat resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like backing into a parked car, hitting a parking meter and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like prosthetic devices, ambulance fees and surgery. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. They cover all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Volkswagen Passat.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these limits are set the same as your liablity limits.

Comprehensive (Other than Collision)

This pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, hail damage, a tree branch falling on your vehicle, damage from getting keyed and falling objects. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability car insurance

Liability coverage will cover injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as bail bonds, emergency aid and loss of income. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Keep this in mind

We just presented quite a bit of information on how to lower your 2012 Volkswagen Passat insurance rates. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the lowest premiums are with a small mutual company.

Cheaper insurance is attainable on the web and also from your neighborhood agents, and you should compare price quotes from both to have the best selection. Some insurance companies may not provide you the ability to get quotes online and these smaller companies work with independent agents.

People change insurance companies for any number of reasons including denial of a claim, an unsatisfactory settlement offer, policy non-renewal and even unfair underwriting practices. Regardless of your reason for switching companies, choosing a new insurance company is pretty easy and you might even save some money in the process.

Even more information can be found at these sites: