2006 Volkswagen Passat Insurance Rates

Shoppers have many options when shopping for the lowest priced Volkswagen Passat insurance. You can either waste hours driving around to get rate comparisons or utilize the internet to make rate comparisons. There is a right way and a wrong way to shop for insurance and we’ll show you the absolute fastest way to quote coverages for a new or used Volkswagen and obtain the cheapest rates.

It is always a good idea to compare rates every six months because insurance rates are variable and change quite frequently. Even if you got the best price on Passat coverage two years ago there is a good chance you can find better rates now. There is a lot of bad advice regarding insurance online, so we’re going to give you some tested techniques to reduce your insurance bill.

If you have a policy now or are shopping for new coverage, you can use this information to get lower rates and possibly find even better coverage. The purpose of this post is to help you learn the best way to quote coverages and some money-saving tips. Vehicle owners just need to learn the most efficient way to buy car insurance online.

How to Get Insurance Coverage Comparison Quotes

Reducing your 2006 Volkswagen Passat insurance rates doesn’t have to be difficult. Drivers just need to spend a little time to compare quotes provided by online insurance companies. This is very easy and can be done in a couple of different ways.

  1. One of the best ways to find the lowest comparison rates is a comparison rater form (click to open form in new window). This type of form eliminates the need for separate forms to each individual insurance coverage company. Filling out one form will get you price quotes from multiple companies. This is perfect if you don’t have a lot of time.
  2. A slightly less efficient method to compare rate quotes consists of visiting each company website to request a price quote. For example, let’s say you want to compare rates from Auto-Owners, Progressive and GMAC. You would have to spend time on each company’s site and enter your information, which is why the first method is quicker.

    For a list of links to companies insuring cars in your area, click here.

Which method you use is up to you, but make darn sure you compare identical coverage limits on every quote you get. If you compare unequal deductibles or liability limits you will not be able to decipher which rate is best.

Are you getting all your discounts?

Companies offering auto insurance do not advertise every discount very well, so we took the time to find both the well known as well as the least known discounts you could be receiving. If you don’t get every credit you deserve, you are paying more than you should be.

  • Defensive Driving Course – Successfully completing a driver safety course could save 5% or more and easily recoup the cost of the course.
  • Lower Rates for Military – Being deployed with a military unit could mean lower rates.
  • Auto/Home Discount – When you combine your home and auto insurance with one company you will save at least 10% off all policies.
  • Drive Safe and Save – Insureds without accidents may receive a discount up to 45% less on Passat coverage than their less cautious counterparts.
  • Accident Forgiveness – Some insurance companies permit an accident without raising rates if you are claim-free for a particular time prior to the accident.
  • Sign Online – A handful of insurance companies give back up to $50 simply for signing online.
  • Air Bag Discount – Vehicles equipped with air bags or motorized seat belts can receive discounts up to 30%.
  • Organization Discounts – Affiliation with certain professional organizations may earn a discount on insurance on Passat coverage.
  • Multi-car Discount – Insuring more than one vehicle on one policy qualifies for this discount.
  • Low Mileage – Keeping the miles down on your Volkswagen could be rewarded with lower rates on the low mileage vehicles.

Keep in mind that many deductions do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like comp or med pay. So even though they make it sound like adding up those discounts means a free policy, companies wouldn’t make money that way.

For a list of insurance companies who offer insurance discounts, click this link.

Tailor your coverage to you

When it comes to choosing the best insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s needs are different.

For example, these questions might point out if your insurance needs would benefit from an agent’s advice.

  • Does coverage extend to a rental car in a foreign country?
  • Do all my vehicles need collision coverage?
  • Who is covered when they drive my 2006 Volkswagen Passat?
  • Should I bundle my homeowners policy with my auto?
  • Is my babysitter covered when using my vehicle?
  • When would I need rental car insurance?
  • Does my 2006 Volkswagen Passat qualify for pleasure use?
  • Do I benefit by insuring my home with the same company?
  • Do I need roadside assistance coverage?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and can provide invaluable advice.

Car insurance policy coverages for a 2006 Volkswagen Passat

Understanding the coverages of car insurance can help you determine which coverages you need and the correct deductibles and limits. Car insurance terms can be ambiguous and coverage can change by endorsement.

Collision coverages – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as hitting a parking meter, scraping a guard rail, colliding with a tree and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Coverage for liability – This will cover damage or injury you incur to other people or property. This coverage protects you from legal claims by others, 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. As an example, you may have liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims like bail bonds, funeral expenses, court costs, repair costs for stationary objects and legal defense fees. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive or Other Than Collision – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as vandalism, theft and falling objects. The most a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical costs insurance – Med pay and PIP coverage pay for expenses for things like rehabilitation expenses, hospital visits, EMT expenses, pain medications and surgery. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

One last thing

Lower-priced 2006 Volkswagen Passat insurance is possible both online as well as from independent agents, and you need to price shop both to have the best chance of lowering rates. Some companies don’t offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

While you’re price shopping online, it’s a bad idea to buy poor coverage just to save money. Too many times, drivers have reduced liability coverage limits and discovered at claim time that they should have had better coverage. Your aim should be to buy enough coverage for the lowest price.

People switch companies for any number of reasons including delays in paying claims, high rates after DUI convictions, high prices or even unfair underwriting practices. Regardless of your reason for switching companies, finding a new auto insurance company is actually quite simple.

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