2010 Volkswagen Passat Insurance Rates

If price shopping insurance quotes online is new to you, most likely you are baffled by the vast assortment of insurance companies competing for your business.

Smart consumers take time to quote other rates before your next renewal since prices trend upward over time. Even if you got the best rates for Passat insurance two years ago you will most likely find a better rate quote today. Forget all the misinformation about insurance because I’m going to let you in on the secrets to one of the easiest ways to eliminate unnecessary coverages and save money.

Cheap insurance coverage rates with discounts

Insurance coverage is not cheap nor is it fun to buy but discounts can save money and there are some available that you may not even be aware of. Many discounts should be triggered at the time you complete a quote, but less common discounts must be specifically requested before being credited.

• Multiple Vehicles – Buying coverage for multiple cars with the same company may reduce the rate for each vehicle.
• Student Driver Training – It’s a good idea to have your young drivers participate in a local driver’s education class as it can save substantially.
• Driving Data Discount – Policyholders that allow their insurance company to look at when and where they use their vehicle by using a telematics device in their vehicle such as State Farm’s In-Drive might get better premium rates if their driving habits are good.
• Include Life Insurance and Save – Companies who offer life insurance give better prices if you take out life insurance.
• Employee of Federal Government – Having worked for a branch of the government could provide a small rate reduction for Passat insurance with some insurance coverage companies.
• Organization Discounts – Being in qualifying clubs or civic groups may earn a discount on your bill.
• Passenger Safety Discount – Cars that have air bags or automatic seat belts can qualify for discounts of 20 to 30 percent.

Keep in mind that most credits do not apply to your bottom line cost. Most only apply to individual premiums such as liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, it doesn’t quite work that way.

Larger insurance coverage companies and a summarized list of policyholder discounts are:

• Geico includes discounts for membership and employees, five-year accident-free, defensive driver, multi-vehicle, and federal employee.
• Travelers may offer discounts for IntelliDrive, driver training, hybrid/electric vehicle, multi-policy, early quote, payment discounts, and home ownership.
• Nationwide has savings for accident-free, good student, Farm Bureau membership, anti-theft, easy pay, defensive driving, and family plan.
• Farmers Insurance may have discounts that include business and professional, homeowner, teen driver, youthful driver, switch companies, multi-car, and bundle discounts.
• Esurance discounts include safety device, multi-car, good student, defensive driver, online shopper, emergency road assistance, and good driver.
• State Farm offers discounts for good student, passive restraint, Steer Clear safe driver discount, anti-theft, student away at school, and defensive driving training.
• Progressive offers premium reductions for continuous coverage, homeowner, multi-policy, online quote discount, good student, online signing, and multi-vehicle.
• Mercury Insurance offers discounts including good driver, annual mileage, anti-theft, multi-policy, multi-car, type of vehicle, and professional/association.

Before buying, ask each company or agent to apply every possible discount. Some of the earlier mentioned discounts may not apply to policies in your area. To see insurance coverage companies that provide some of the discounts listed above, follow this link.

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Buy insurance online

The majority of larger companies allow consumers to get price estimates on the web. Obtaining pricing is pretty easy because it’s just a matter of typing in your coverage preferences as detailed in the form. When the form is submitted, their rating system collects information on your driving record and credit history and generates a price based on these factors.

Online price quotes makes it easy to compare insurance prices but the process of having to visit a lot of sites and complete many quote forms gets old quite quickly. But it’s absolutely necessary to get many rate quotes in order to get the lowest price.

The better way to compare rates

A more efficient way to lower your insurance bill uses just one form to get prices from multiple companies. The form is fast, requires less work, and makes comparison shopping a lot less work. After sending your information, it is quoted with multiple companies and you can pick any or none of the pricing results. If you find a better price you simply finish the application and purchase the new policy. The whole process only takes a few minutes and can result in significant savings.

If you want to find out if lower rates are available, click here to open in a new tab and fill out the form. If you have your current policy handy, we recommend that you enter your coverages just like they are on your policy. This way, you are getting an apples-to-apples comparison for similar insurance coverage.

What impacts Volkswagen Passat insurance premiums?

Smart consumers have a good feel for a few of the rating criteria that go into determining your auto insurance rates. If you have some idea of what impacts premium levels, this allows you to make good choices that may reward you with lower rates.

• Liability protection is important – A critical coverage on your policy, liability insurance will protect you if ever a court rules you are at fault for damages caused by your negligence. Liability provides legal defense up to the limits shown on your policy. It is affordable coverage compared to comp and collision, so drivers should buy more than the minimum limits required by law.
• If you don’t need it don’t buy it – There are a ton of additional extra coverages you can purchase if you don’t pay attention. Things like personal injury protection, towing, and term life insurance are some examples. They may sound like good ideas when buying your policy, but if you have no use for them think about removing them and cutting costs.
• Low credit rating equals high rates – An insured’s credit history can be a huge factor in determining your rates. Drivers who have excellent credit tend to be better drivers and file fewer claims than those with lower ratings. If your credit history can use some improvement, you could save money insuring your 2010 Volkswagen Passat by improving your credit score.
• Auto insurance rates and your occupation – Did you know your job can affect your rates? Careers like fire fighters, architects and medical professionals are shown to have the highest average rates because of job stress and incredibly demanding work hours. On the other hand, occupations like scientists, students and homemakers generally pay rates lower than average for Passat insurance.

Tailor your auto insurance coverage to you

When buying the right insurance coverage, there really is no “best” method to buy coverage. Everyone’s situation is a little different.

Here are some questions about coverages that may help highlight if your insurance needs would benefit from an agent’s advice.

• Am I covered when delivering products for my home-based business?
• What is the rate difference between pleasure use and commuting?
• Am I covered when driving on a suspended license?
• I have a DUI can I still get coverage?
• Why does it cost so much to insure a teen driver?
• Does my personal policy cover me when driving out-of-state?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

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Can you really save if you switch?

Well-known insurance coverage companies like Progressive, Geico, Allstate and State Farm regularly use ads on television and other media. They all make the point about how much you will save if you switch to their company. It sounds good, but how can they all give you a better price? This is how they do it.

Most companies quote their best rates for the type of insured that will not have excessive claims. One example of a desirable insured could possibly be over the age of 50, has no prior claims, and drives a car with an anti-theft system. Someone who fits that profile receive the lowest rate quotes and will save quite a bit of money when switching.

Drivers who do not fit the ideal profile may receive higher prices which leads to the driver buying from a lower-cost company. The wording the ads use say “drivers that switch” not “everybody who quotes” save money. That’s the way insurance companies can state the savings. Because of this risk profiling, drivers must do a price quote comparison at every renewal. It is impossible to predict the company that will give you the biggest savings.

Car insurance coverage options for a 2010 Volkswagen Passat

Understanding the coverages of car insurance aids in choosing the right coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Auto liability

Liability insurance protects you from damage or injury you incur to people or other property. It protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things like medical services, medical expenses, loss of income and court costs. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

Comprehensive coverages

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as fire damage, rock chips in glass, falling objects, a tree branch falling on your vehicle and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Auto collision coverage

This coverage covers damage to your Passat resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as colliding with a tree, scraping a guard rail, crashing into a building, backing into a parked car and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Coverage for medical payments

Med pay and PIP coverage reimburse you for bills like doctor visits, hospital visits, prosthetic devices, nursing services and dental work. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Spend less. Save more.

Budget-conscious 2010 Volkswagen Passat insurance is available both online and from local insurance agents, and you should be comparing both to get a complete price analysis. Some insurance providers may not provide rates over the internet and many times these regional insurance providers provide coverage only through local independent agencies.

Insureds switch companies for many reasons like delays in paying claims, policy non-renewal, denial of a claim or even high rates after DUI convictions. It doesn’t matter why you want to switch choosing a new company can be easier than you think.

When trying to cut insurance costs, do not buy lower coverage limits just to save a few bucks. In many instances, drivers have reduced collision coverage and discovered at claim time that it was a big mistake. Your objective should be to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

To read more, link through to the following helpful articles:

• Distracted Driving Extends Beyond Texting (State Farm)
• Insuring a Leased Car (Insurance Information Insitute)
• Credit and Insurance Scores (Insurance Information Insitute)
• Understanding your Policy (NAIC.org)

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