Save on 2008 Volkswagen Passat Car Insurance Rates

Searching for the cheapest car insurance rates for your Volkswagen Passat? Are you tired of paying out the nose to insure your Volkswagen every month? You are no different than many other drivers.

You have multiple car insurance companies to choose from, and even though it’s nice to be able to choose, it can be more difficult to compare rates.

You probably qualify for some discounts

Auto insurance companies don’t always advertise all their discounts in an easy-to-find place, so we researched both the well known and the harder-to-find car insurance savings.

  • Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class in high school.
  • Theft Prevention Discount – Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Defensive Driver – Successfully completing a course in driver safety could possibly earn you a 5% discount if your company offers it.
  • Discount for Good Grades – A discount for being a good student can save 20 to 25%. The discount lasts until age 25.
  • Safe Driver Discount – Drivers who avoid accidents may receive a discount up to 45% less for Passat insurance than drivers with accident claims.
  • Passive Restraints and Air Bags – Factory air bags or automatic seat belts can receive discounts of more than 20%.
  • Homeowners Discount – Simply owning a home can help you save on car insurance because owning a home demonstrates responsibility.
  • Lower Rates for Military – Being on active duty in the military could be rewarded with lower premiums.

A little note about advertised discounts, most discounts do not apply to the entire cost. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, it doesn’t quite work that way.

To see a list of insurance companies who offer car insurance discounts, click here to view.

Comprehensive Auto Insurance Comparison

All major auto insurance companies provide pricing online. Getting quotes is pretty easy as you just enter your personal and coverage information as detailed in the form. After the form is submitted, their rating system automatically retrieves your driving record and credit report and quotes a price. This simplifies rate comparisons, but the process of having to visit different websites and fill out multiple forms can be a bit repetitive. But it’s absolutely necessary to do this if you want to find the lowest auto insurance rates.

Quote rates the easy way

A more efficient way to find cheaper rates uses one simple form to obtain quotes from multiple companies. The form is fast, helps eliminate reptitive entry, and makes rate comparisons a little more enjoyable. As soon as you send your information, it is rated with multiple companies and you can pick your choice of the quotes that you receive. If the quotes result in lower rates, you can click and sign and purchase coverage. This process takes just a few minutes to complete and may result in a nice savings.

If you want to compare rates now, click here to open in a new tab and enter your vehicle and coverage information. If you have a policy now, it’s recommended you input deductibles and limits exactly as they are listed on your policy. This guarantees you will be getting a fair comparison based on similar coverages.

Volkswagen Passat rate determination is complex

Smart consumers have a good feel for the rating factors that go into determining auto insurance rates. Knowing what controls the rates you pay allows you to make educated decisions that will entitle you to lower auto insurance prices.

  • Liability coverage protects you – The liability section of your policy provides coverage if ever a court rules you are at fault for causing damage or personal injury in an accident. Liability provides legal defense coverage which can be incredibly expensive. This coverage is very inexpensive compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Too many auto insurance claims drive up costs – If you are a frequent claim filer, you can definitely plan on either a policy non-renewal or much higher rates. Auto insurance companies provide discounts to policyholders who file claims infrequently. Auto insurance is intended for major claims that would cause financial hardship.
  • One company can mean more discounts – Most companies provide better rates to customers who buy several policies from them, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s still a good idea to shop around to ensure the best deal. You may still be able to find a better deal by insuring with multiple companies.
  • Your car’s features help determine rates – Driving a car with an alarm system can help bring down rates. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your vehicle from being stolen.
  • Having a spouse can save you money – Getting married actually saves money on auto insurance. Marriage is viewed as being more mature and responsible and it’s proven that being married results in fewer claims.

There’s no such thing as the perfect policy

When it comes to choosing adequate coverage for your personal vehicles, there really is not a single plan that fits everyone. Every situation is different so your insurance should reflect that For example, these questions may help you determine whether or not you might need an agent’s assistance.

  • Do I get a pro-rated refund if I cancel my policy early?
  • When would I need rental car insurance?
  • Do I need special endorsements for business use of my vehicle?
  • Should I have combined single limit or split liability limits?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I have coverage when making deliveries for my home business?
  • Does insurance cover damages from a DUI accident?
  • If my pet gets injured in an accident are they covered?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Misconceptions in insurance advertisements

Insurance companies such as Progressive, Geico, Allstate and State Farm constantly bombard you with television and radio advertisements. They all seem to say the same thing about savings if you switch to their company. How does each company say the same thing? It’s all in the numbers.

All the different companies are able to cherry pick for the driver that earns them a profit. For instance, a profitable customer could be between the ages of 40 and 55, is a homeowner, and chooses high deductibles. Any driver who meets those qualifications gets the lowest rates and therefore will pay quite a bit less when switching companies.

Drivers who don’t measure up to these standards will be quoted a higher premium which leads to business not being written. The ads say “drivers who switch” not “people who quote” save money. That’s the way companies can make those claims. This emphasizes why it is so important to get a wide range of price quotes. You cannot predict which company will provide you with the cheapest Volkswagen Passat insurance rates.

Parts of your insurance policy

Understanding the coverages of your insurance policy helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are the normal coverages found on the average insurance policy.

Liability coverage – Liability coverage protects you from damage that occurs to people or other property. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things like medical services, court costs, repair costs for stationary objects, repair bills for other people’s vehicles and structural damage. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Medical payments coverage and PIP – Med pay and PIP coverage reimburse you for immediate expenses like pain medications, doctor visits, rehabilitation expenses and EMT expenses. They are often used in conjunction with a health insurance policy or if you do not have health coverage. They cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Collision coverages – This coverage covers damage to your Passat caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like driving through your garage door, damaging your car on a curb, hitting a parking meter and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive coverage – This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like damage from flooding, hitting a deer, falling objects, damage from getting keyed and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your 2008 Volkswagen Passat.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Power to the consumer

You just learned many tips how you can shop for 2008 Volkswagen Passat insurance online. The most important thing to understand is the more times you quote, the better your chances of lowering your rates. You may even find the lowest premiums are with the least-expected company. Smaller companies may have significantly lower rates on certain market segments than their larger competitors like Progressive or Geico.

Budget-conscious insurance can be sourced both online and also from your neighborhood agents, and you need to comparison shop both to have the best selection. Some car insurance companies may not provide online quoting and most of the time these regional insurance providers sell through independent agents.

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