Compare 2013 Volkswagen Passat Insurance Rates

Paying for high-priced Volkswagen Passat insurance can drain your bank account and make it impossible to make ends meet. Shopping your coverage around is a great way to slash your bill and have more diposable income.

Since consumers have many online and local companies to choose from, it’s nearly impossible to find the lowest price provider.

It’s a good idea to price shop coverage on a regular basis since insurance rates tend to go up over time. Just because you had the best price on Passat coverage six months ago other companies may now be cheaper. Ignore everything you know about insurance because you’re about to learn how to use the internet to lower your rates without sacrificing coverage.

Low Cost Auto Insurance

There are multiple methods to compare 2013 Volkswagen Passat auto insurance quotes, but there is one way that is less time-consuming than others. You could waste a few hours talking to local insurance agents in your area, or you can utilize online quotes to achieve your goal.

Many popular insurance companies belong to a marketplace where prospective buyers enter their policy data once, and at least one company provides a quote for coverage. This prevents consumers from doing repetitive form submissions to each individual auto insurance company. To participate in this free quote system, click here (opens in new window).

The single downside to using this type of system is you don’t know exactly the insurers you want to price. So if you want to select from a list of companies to request quotes from, we have assembled a list of low cost auto insurance companies in your area. View list of insurance companies.

Whichever way you use, ensure you are comparing the exact same coverage information for every company. If each company quotes different values for each quote it will be impossible to make a fair comparison for your Volkswagen Passat. Slightly different coverages could mean much higher rates. Keep in mind that obtaining a wide range of quotes will enable you to find a lower rate.

Your Volkswagen Passat insurance rate is a complex equation

An important part of buying insurance is that you know the factors that go into determining the rates you pay for insurance coverage. Understanding what impacts premium levels empowers consumers to make smart changes that will entitle you to lower insurance coverage prices.

Listed below are a partial list of the pieces used by your company to calculate prices.

  • Rural vs Urban Areas – Being located in a small town can save you money when it comes to insurance coverage. Urban drivers tend to have traffic congestion and much longer commute distances. Lower population means a lower chance of having an accident and a lower car theft rate.
  • Claim-free discounts can add up – Insurance companies give better rates to drivers who file claims infrequently. If you frequently file small claims, you can look forward to either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for larger claims.
  • High deductibles save money – Physical damage coverage, termed comprehensive and collision coverage on your policy, is used to repair damage to your Volkswagen. Examples of covered claims would be running into the backend of another car, damage from fire, and windstorm damage. The deductibles are how much you are willing to pay out-of-pocket in the event of a claim. The more expense you’re willing to pay, the less your company will charge you for insurance on Passat coverage.
  • Traffic violations increase rates – Your driving citation history has a big impact on rates. Just one speeding ticket may increase your cost by as much as thirty percent. Drivers with clean records tend to pay less for car insurance than bad drivers. Drivers who have serious citations such as hit and run, DWI or reckless driving convictions may need to file a SR-22 with their state DMV in order to continue driving.
  • Policy add-ons can waste money – There are a ton of extra coverages you can purchase on your insurance coverage policy. Coverages like personal injury protection, better glass coverage and term life insurance are some examples. These coverages may sound good initially, but if they’re wasting money get rid of them and save.

You probably qualify for some discounts

The cost of insuring your cars can be expensive, buy you may qualify for discounts to help bring down the price. A few discounts will automatically apply when you purchase, but some must be manually applied prior to getting the savings.

  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
  • Multi-policy Discount – When you have multiple policies with one company you will save 10% to 20% off each policy.
  • Senior Citizens – Mature drivers may receive reduced rates on Passat coverage.
  • Claim Free – Claim-free drivers pay much less when compared to frequent claim filers.
  • College Student – Any of your kids who are attending college and don’t have a car may qualify for this discount.

Drivers should understand that many deductions do not apply to your bottom line cost. A few only apply to individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, it just doesn’t work that way. But any discount will help reduce your premiums.

For a list of insurers offering car insurance discounts, click here.

There’s no such thing as the perfect policy

When it comes to buying coverage for your personal vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions might point out whether or not you would benefit from an agent’s advice.

  • Am I covered when using my vehicle for business?
  • Are rental cars covered under my policy?
  • Who is covered when they drive my 2013 Volkswagen Passat?
  • Will my rates increase for filing one claim?
  • Do I have coverage when using my vehicle for my home business?
  • Is my teen driver covered when they drive my company car?
  • Should I carry comprehensive and collision coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of car insurance companies in your area.

Educate yourself about car insurance coverages

Understanding the coverages of a car insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording. These are the normal coverages found on the average car insurance policy.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like vandalism, falling objects, theft and damage from a tornado or hurricane. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage protection

This coverage will pay to fix damage to your Passat caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims such as sustaining damage from a pot hole, hitting a mailbox, sideswiping another vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Auto liability insurance

Liability insurance will cover damage that occurs to people or other property. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Occasionally you may see one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like repair costs for stationary objects, medical expenses, medical services and emergency aid. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Volkswagen Passat.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. 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 medical payments

Medical payments and Personal Injury Protection insurance reimburse you for bills for things like chiropractic care, pain medications, nursing services and surgery. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

More comparisons equals lower rates

We just covered many ways to reduce 2013 Volkswagen Passat insurance prices online. The key thing to remember is the more times you quote, the higher your chance of finding lower rates. You may be surprised to find that the biggest savings come from a small mutual company. These companies may have significantly lower rates on certain market segments than their larger competitors like Progressive and Geico.

Cost effective insurance is possible online as well as from independent agents, so you should compare both in order to have the best price selection to choose from. Some auto insurance companies don’t offer you the ability to get quotes online and these small, regional companies work with independent agents.

For more information, feel free to browse the resources below: