2014 Volkswagen Passat Insurance Quotes

Trying to find lower insurance rates for your Volkswagen Passat? Perplexed by the dozens of insurance options? You’re not the only one! Drivers have so many companies to choose from that it can quickly become more work than you anticipated to find the lowest price.

If you are paying for car insurance now, you will be able to lower your premiums substantially using this strategy. Shopping for the lowest cost insurance coverage is easy if you know what you’re doing. Although car owners need to have an understanding of the way insurance companies market insurance on the web and apply this information to your search.

Auto Insurance Comparisons

Most companies give pricing online. Getting online quotes is pretty easy as you simply enter your required coverages as detailed in the form. After you complete the form, the company’s rating system will order credit information and your driving record and returns a price quote based on these and other factors.

Quoting online makes comparing rates easy, but the work required to visit multiple sites and type in the same information can be a bit repetitive. But it is imperative to do this if you want to find the lowest possible prices on auto insurance.

Isn’t there an easier way to compare rates?

The preferred way to compare rates utilizes a single form that gets prices from multiple companies. This type of form saves time, requires less work, and makes rate comparisons much more enjoyable. After sending your information, your coverage is rated and you can select your choice of the price quotes you receive. If a lower price is quoted, you can click and sign and buy the new coverage. The whole process takes 15 minutes at the most and you will find out if you’re overpaying now.

To save time and compare rates now, simply click here to open in new window and enter your vehicle and coverage information. If you have your current policy handy, we recommend you replicate the coverages exactly as shown on your declarations page. This ensures you will have rate quotes based on identical coverages.

Discounts are basically free money

Car insurance companies don’t always advertise all their discounts very clearly, so the following is a list of some of the more common and the harder-to-find discounts you could be receiving.

  • Early Signing – A few companies offer discounts for signing up before your current expiration date. This can save 10% or more.
  • Anti-theft System – Vehicles with anti-theft systems can help prevent theft and earn discounts up to 10%.
  • Drive Safe and Save – Safe drivers can get discounts for up to 45% lower rates on Passat coverage than drivers with accidents.
  • Paperwork-free – Certain companies will give a small break just for signing your application on their website.
  • Safety Course Discount – Successfully completing a course in driver safety could possibly earn you a 5% discount if your company offers it.
  • Driver’s Ed – Require your teen driver to enroll in driver’s education if it’s offered in school.
  • Drive Less and Save – Low mileage vehicles could qualify for better rates on cars that stay parked.
  • No Accidents – Claim-free drivers can earn big discounts when compared with accident-prone drivers.

It’s important to understand that most of the big mark downs will not be given the the whole policy. Some only apply to the price of certain insurance coverages like liability and collision coverage. Just because you may think you can get free auto insurance, you won’t be that lucky.

To see a list of companies with the best auto insurance discounts, click here.

Volkswagen Passat insurance rates can be determined by these details

An important part of buying insurance is that you know the rating factors that help determine your car insurance rates. Understanding what impacts premium levels helps enable you to make changes that will entitle you to lower car insurance prices.

  • Better credit scores mean better rates – A driver’s credit score is a large factor in determining your rates. Therefore, if your credit rating is lower than you’d like, you could be paying less to insure your 2014 Volkswagen Passat by repairing your credit. People with excellent credit tend to be more responsible than those with poor credit.
  • Occupation reflects on rates – Did you know your car insurance rates can be affected by your occupation? Jobs such as lawyers, business owners and financial analysts have higher average rates in part from stressful work requirements and long work hours. Conversely, occupations like farmers, engineers and homemakers get better rates on Passat coverage.
  • Your age impacts your rates – More mature drivers are more responsible, statistically cause fewer accidents and receive fewer citations. Teenage drivers tend to be more careless when driving therefore car insurance rates are much higher.
  • Lower deductibles cost more – Physical damage coverage, also known as collision and other-than-collision, protects your Volkswagen from damage. A few examples of covered claims could be colliding with a building, collision with an animal, or theft. Your deductibles are the amount of money you are required to spend in the event of a claim. The higher the amount you have to pay, the lower your rates will be on Passat coverage.
  • More people means more accidents – Residing in a rural area is a positive aspect when it comes to car insurance. Drivers who live in large cities have more traffic problems and a longer drive to work. Fewer drivers translates into fewer accidents.
  • Never go without insurance – Letting your insurance expire will be a fast way to trigger a rate increase. And not only will insurance be more expensive, but being ticketed for driving with no insurance might get you a revoked license or a big fine.You may then be required to submit proof of financial responsibility or a SR-22 with your state DMV.
  • Your car’s features help determine rates – Choosing a vehicle with an alarm system can help bring down rates. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your car from being stolen.

Which insurance is the “right” coverage?

When it comes to buying coverage, there really is not a “perfect” insurance plan. Each situation is unique.

For instance, these questions can aid in determining if you will benefit from professional help.

  • Can my teen drive my company car?
  • Is a fancy paint job covered?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • If my pet gets injured in an accident are they covered?
  • What is high-risk coverage and where do I buy it?
  • Is my nanny covered when driving my vehicle?
  • Does insurance cover damages from a DUI accident?
  • Am I missing any policy discounts?
  • Does insurance cover tools stolen from my truck?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, complete this form.

Don’t believe everything you hear

Car insurance providers like Geico, State Farm and Progressive regularly use ads on television and other media. They all say the same thing that you can save if you move your policy. How do they all say the same thing? This is how they do it.

All the different companies have a preferred profile for the type of driver that is profitable for them. For instance, a driver they prefer could be between 30 and 50, has no tickets, and drives less than 10,000 miles a year. A customer getting a price quote that hits that “sweet spot” will get the preferred rates and most likely will save quite a bit of money when switching.

Consumers who fall outside the “perfect” profile will be quoted a higher premium which leads to business going elsewhere. Company advertisements say “people who switch” not “everyone that quotes” save that kind of money. That is how companies can truthfully state the savings. This emphasizes why you need to get a wide range of price quotes. It is impossible to predict the company that will fit your personal profile best.

Information about specific coverages

Understanding the coverages of your policy can help you determine the right coverages at the best deductibles and correct limits. Car insurance terms can be impossible to understand and nobody wants to actually read their policy.

Collision – This coverage will pay to fix damage to your Passat resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like hitting a mailbox, rolling your car and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive car insurance – This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like rock chips in glass, hitting a bird and damage from a tornado or hurricane. The maximum payout your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as EMT expenses, rehabilitation expenses, X-ray expenses, doctor visits and surgery. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants and also covers being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability auto insurance – This provides protection from damage that occurs to other’s property or people by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things like structural damage, bail bonds and repair bills for other people’s vehicles. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

More comparisons equals lower rates

Consumers who switch companies do it for any number of reasons including extreme rates for teen drivers, poor customer service, an unsatisfactory settlement offer or even being labeled a high risk driver. Regardless of your reason, finding a new car insurance company can be easier than you think.

You just read a lot of tips how to shop for 2014 Volkswagen Passat insurance online. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. You may even find the biggest savings come from an unexpected company.

While you’re price shopping online, it’s very important that you do not sacrifice coverage to reduce premiums. There have been many situations where someone sacrificed full coverage only to discover later that their decision to reduce coverage ended up costing them more. Your goal should be to get the best coverage possible for the lowest price, not the least amount of coverage.

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