Cheaper 2010 Volkswagen Passat Car Insurance Quotes

Want cheaper auto insurance rates for your Volkswagen Passat? Trying to find cheaper insurance for your Volkswagen Passat can turn out to be a painful process, but you can learn a few tricks to find lower rates. There are more efficient ways to shop for auto insurance and you need to know the best way to quote coverages for a new or used Volkswagen and find the best price possible from both online companies and local agents.

It’s a great practice to get comparison quotes at least once a year since insurance rates are rarely the same from one policy term to another. Just because you had the lowest rates on Passat coverage a couple years back there may be better deals available now. Don’t believe everything you read about auto insurance online, so I’m going to show you some excellent ideas to save money.

Comparison of Insurance Coverage

Shopping for lower insurance coverage rates can be exhausting if you don’t know the most efficient way. You can waste a few hours (or days) talking to agents in your area, or you could use online quoting for quick rates.

Many of the larger companies are enrolled in a marketplace that allows shoppers to submit one quote, and each company returns a competitive quote determined by their information. This eliminates the need for quote forms for each company you want a rate for.

To access this free quoting program, click to open in new window.

One minor caviat to using this type of system is you are unable to specify which carriers to get pricing from. If you wish to select specific providers to request quotes from, we have a listing of companies who write insurance coverage in your area. Click to view list.

It’s up to you which method you use, but compare identical coverage limits and deductibles for every company. If the quotes have mixed coverages you will not be able to make a fair comparison for your Volkswagen Passat.

How to save on 2010 Volkswagen Passat insurance

Companies offering auto insurance don’t always list every available discount very well, so we break down both well-publicized and also the lesser-known ways to save on insurance. If you don’t get every credit you qualify for, you are throwing money away.

Discount for Good Grades – Getting good grades can save 20 to 25%. This discount can apply well after school through age 25.
Life Insurance Discount – Some companies give better rates if you take out life insurance from them.
No Charge for an Accident – Some insurance companies permit an accident without raising rates so long as you haven’t had any claims for a set time period.
Drivers Ed for Students – Require your teen driver to take driver’s ed class if offered at their school.
Safe Driver Discount – Drivers who avoid accidents can pay as much as 50% less on Passat coverage than drivers with accident claims.
Defensive Driving Course – Taking part in a course in driver safety could cut 5% off your bill and easily recoup the cost of the course.

Consumers should know that most discount credits are not given to the entire cost. Most cut the cost of specific coverages such as comp or med pay. Just because it seems like all the discounts add up to a free policy, it just doesn’t work that way.

Car insurance companies who might offer these discounts may include but are not limited to:

Double check with every prospective company which discounts you may be entitled to. Savings might not be offered in your state.

Tailor your coverage to you

When choosing the best insurance coverage, there isn’t really a cookie cutter policy. Everyone’s situation is a little different.

Here are some questions about coverages that can help discover whether your personal situation would benefit from professional advice.

Do I really need UM/UIM coverage?
Exactly who is provided coverage by my policy?
Am I insured when driving a different vehicle?
Does my policy cover my teen driver if they drive my company car?
Can I afford to buy a different vehicle if my 2010 Volkswagen Passat is totaled?
Is my custom paint covered by insurance?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form. It’s fast, free and can help protect your family.

What insurance coverages do you need?

Understanding the coverages of a insurance policy aids in choosing the best coverages for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as fire damage, rock chips in glass, damage from flooding, hitting a deer and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto collision coverage

Collision 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 and then insurance will cover the remainder.

Collision insurance covers claims such as hitting a mailbox, sustaining damage from a pot hole and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Liability

This protects you from damages or injuries you inflict on other people or property in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things such as legal defense fees, funeral expenses, medical services, attorney fees and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as hospital visits, prosthetic devices, funeral costs and nursing services. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers you and your occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage