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Volkswagen Passat Insurance Rates

Drivers have lots of options when insurance shopping for your Volkswagen vehicle. You can buy from your neighborhood insurance agent or go online to compare insurance costs of multiple companies. Finding cheaper car insurance online can be fast and easy, plus you will probably save money.

If you are a novice to online car insurance shopping, you may be overwhelmed by the hoards of car insurance companies competing for your business. To find the best car insurance prices, there are several ways to compare quotes and find the best price. The easiest way to find the cheapest Passat insurance cost is to perform an online rate comparison. This can be done by getting a quick quote here.

Premiums are calculated by these factors

Insurance rates for a Volkswagen Passat can fluctuate considerably depending on several factors. Including but not limited to:

  • Higher performance Passat vehicles cost more
  • Accidents raise premiums
  • Home/auto policy bundles save money
  • Use of your vehicle
  • Add-on coverages such as rental reimbursement
  • Your profession
  • Insurance coverage level
  • Home ownership saves money

One last important factor which can affect the rate you pay on your Volkswagen is the year of manufacture. Models that are a few years old have a lower value so repair costs tend to be lower which may result in lower rates. Although newer models may have options included like a collision avoidance system, a telematics system, dual-stage airbags, and pedestrian detection which may help offset higher rates.

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

Liability coverage - This coverage protects you from damage or injury you incur to other people or property that is your fault. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so purchase as high a limit as you can afford.

Collision - This pays for damage to your Volkswagen caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in. Passat collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper Passat insurance rates.

Comprehensive coverage - Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The most your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP - Med pay and PIP coverage pay for immediate expenses for things like EMT expenses, pain medications, and nursing services. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Personal Injury Protection is not available in all states and may carry a deductible.

How Much are Volkswagen Passat Insurance Rates?