2017 Volkswagen Passat Car Insurance Cost – 9 Tricks for Cheaper Prices

Want the cheapest insurance rates for your Volkswagen Passat? Are you at wits end from not being able to afford to insure your Volkswagen every month? You are in the same boat as many other drivers. Due to the abundance of insurance companies to choose from, it is very difficult to find a lower cost insurer.

Pricing cheaper car insurance is easy if you know what you’re doing. If you have a policy now or are looking for a new policy, you can learn to cut your premiums and still get good coverage. Drivers only need an understanding of the best way to buy car insurance over the internet.

Insurance quotes comparison

Shopping for lower insurance rates can take time and effort if you don’t know the fastest way to get free quotes. You can waste a few hours (or days) discussing policy coverages with agents in your area, or you could use online quotes to get prices fast.

Many insurance companies enroll in a system where insurance shoppers send in one quote, and each company returns a rated price determined by their information. This system prevents you from having to do repetitive form submissions for each company you want a rate for.

To find out how much you’re overpaying now click here to start a free quote.

The single downside to using this type of form is you cannot specify the companies you want pricing from. If you would rather choose individual companies to receive pricing from, we have a listing of companies who write insurance in your area. View list of insurance companies.

The approach you take is up to you, just make sure you compare equivalent quote information on every price quote you get. If the quotes have higher or lower deductibles you will not be able to make a fair comparison for your Volkswagen Passat.

Verify you’re earning every discount

Auto insurance companies don’t list every available discount very clearly, so the next list breaks down both well-publicized and also the more inconspicuous credits that may apply to you. If you don’t get every credit you qualify for, you are paying more than you should be.

  • Discounts for Multiple Vehicles – Buying insurance for several vehicles on a single policy qualifies for this discount.
  • Service Members Pay Less – Having a deployed family member could trigger a small discount.
  • E-sign Discounts – A few larger online companies will give you a small discount just for signing your application online.
  • New Vehicle Savings – Insuring a vehicle that is new can be considerably cheaper since newer vehicles are generally safer.
  • Club Memberships – Belonging to a qualifying organization is a good way to get lower rates on your bill.
  • Telematics Devices – Drivers who agree to allow their company to look at when and where they use their vehicle by using a telematics device in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system might see lower rates if they show good driving skills.
  • Passive Restraints and Air Bags – Factory options such as air bags or automatic seat belts may get savings of up to 25% or more.
  • Driver Training Discounts – Successfully completing a course that instructs on driving safety may get you a small discount depending on where you live.
  • Safety Restraint Discount – Drivers who require all occupants to buckle up before driving can save 10% or more off the personal injury premium cost.

You can save money using discounts, but some credits don’t apply to the overall cost of the policy. Most cut individual premiums such as liability, collision or medical payments. So when it seems like adding up those discounts means a free policy, it’s just not the way it works.

The best auto insurance companies and some of the premium reductions they offer can be read below.

  • Travelers offers premium reductions for new car, payment discounts, driver training, IntelliDrive, and multi-car.
  • 21st Century may have discounts that include teen driver, automatic seat belts, good student, theft prevention, early bird, driver training, and 55 and older.
  • State Farm may include discounts for Steer Clear safe driver discount, Drive Safe & Save, anti-theft, safe vehicle, driver’s education, and good student.
  • Geico includes discounts for emergency military deployment, air bags, multi-policy, five-year accident-free, driver training, multi-vehicle, and federal employee.
  • SAFECO discounts include anti-theft, drive less, homeowner, bundle discounts, accident prevention training, teen safety rewards, and anti-lock brakes.
  • AAA may offer discounts for good driver, multi-car, anti-theft, AAA membership discount, and pay-in-full.

Before you buy a policy, ask all companies you are considering which discounts you may be entitled to. Some discounts listed above might not be offered on policies in your area.

When should I discuss my situation with an agent?

When buying the right insurance coverage, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight whether your personal situation could use an agent’s help.

  • How can I force my company to pay a claim?
  • Should I buy more coverage than the required minimum liability coverage?
  • Can I drive in Mexico and have coverage?
  • Can I afford to pay high deductible claims out of pocket?
  • Should I rate my 2017 Volkswagen Passat as pleasure use or commute?
  • Do I pay less if my vehicle is kept in my garage?
  • Am I covered if I wreck a rental car?
  • Where can I find DUI or SR-22 insurance?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

The ad said I’d save $479 a year!

Consumers can’t avoid all the ads that claim the cheapest prices from companies such as 21st Century, Allstate and State Farm. All the ads make the point of big savings if you just switch your coverage to them.

It sounds good, but how can they all give you a better price? Here is the trick they use.

Insurance providers quote the lowest rates for the right customer that will most likely be profitable. For instance, a desirable insured might be over age 30, carries high limits, and drives a car with an anti-theft system. Someone that meets those criteria receives the best rates and is almost guaranteed to save when switching.

Drivers who do not fit these stringent criteria will get more expensive rates which results in the prospect going elsewhere. The ads say “people who switch” not “all people who quote” save the amount stated. This is how companies can claim big savings.

This illustrates why it’s extremely important to compare many company’s rates. It’s just not possible to know which company will have better prices than you’re paying now.

Car insurance coverages for a 2017 Volkswagen Passat

Learning about specific coverages of insurance can be of help when determining the right coverages for your vehicles. Insurance terms can be difficult to understand and reading a policy is terribly boring. Listed below are the normal coverages found on most insurance policies.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for bills for X-ray expenses, nursing services, ambulance fees, prosthetic devices and doctor visits. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Liability coverage

Liability coverage can cover damages or injuries you inflict on a person or their property that is your fault. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 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 things such as medical services, funeral expenses and court costs. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive protection

Comprehensive insurance covers 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 comprehensive coverage.

Comprehensive can pay for things such as vandalism, falling objects, fire damage, damage from a tornado or hurricane and hail damage. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as damage to your 2017 Volkswagen Passat.

Since many 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 should not be overlooked. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Auto collision coverage

Collision insurance covers damage to your Passat from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as sideswiping another vehicle, backing into a parked car and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Shop around and save

You just read some good ideas how you can save on 2017 Volkswagen Passat insurance. The key thing to remember is the more rate quotes you have, the better your comparison will be. Consumers may even find the lowest priced insurance comes from a lesser-known regional company. They may cover specific market segments cheaper than their larger competitors like Progressive or Geico.

More affordable insurance can be purchased both online and also from your neighborhood agents, and you need to price shop both to have the best rate selection. There are still a few companies who do not offer rates over the internet and most of the time these small, regional companies only sell coverage through independent agents.

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