Volkswagen Passat Owners Discover How to Lower Their Car Insurance Rates

Consumers have options when looking for the best price on Volkswagen Passat insurance. You can either waste hours struggling with agents getting price quotes or leverage the internet to make rate comparisons. There is a better way to compare car insurance rates so you’re going to learn the best way to price shop coverage for a new or used Volkswagen and get the cheapest rates from local insurance agents and online providers.

You need to shop coverage around before your policy renews since insurance rates trend upward over time. Even if you think you had the lowest price for Passat insurance a year ago there may be better deals available now. So just ignore everything you know about car insurance because it’s time to teach you the fastest and easiest way to save money, get proper coverage and the best rates.

Finding the best rates is easy if you know what you’re doing. If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using this information. Consumers just need to know the most effective way to get comparison rates online.

Elements that influence Volkswagen Passat rates

Consumers need to have an understanding of the different types of things that come into play when calculating the price you pay for car insurance. Having a good understanding of what influences your rates enables informed choices that will entitle you to better car insurance rates.

The list below includes a partial list of the pieces car insurance companies consider when setting prices.

• Don’t buy coverages you don’t need – There are many extra coverages that can waste your money on your Passat policy. Things like personal injury protection, accident forgiveness and motor club memberships are some examples. These coverages may sound good at first, but if you don’t need them remove them from your policy.
• Too many car insurance claims drive up costs – If you tend to file frequent claims, you can look forward to either policy cancellation or increased premiums. Insurance companies provide cheaper rates to insureds who are claim-free. Your insurance policy is intended for larger claims.
• Drive a safer car and pay less – Vehicles with good safety scores get lower rates. The safest vehicles protect occupants better and better occupant protection translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Volkswagen Passat earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
• Older drivers pay less – Youthful drivers tend to be more careless in a vehicle so car insurance rates are higher. Mature drivers are viewed as being more responsible, file fewer claims and receive fewer citations.
• Women pay lower rates – Statistics demonstrate that men are more aggressive behind the wheel. Now that doesn’t mean women are better drivers. Men and women have accidents in similar percentages, but the males tend to have more serious accidents. They also receive more costly citations such as reckless driving.

Be sure to get all your discounts

Companies that sell car insurance don’t always advertise every discount in an easy-to-find place, so the following is a list of some of the best known and the more hidden car insurance savings. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

• Multiple Cars – Having all your vehicles with the same company qualifies for this discount.
• Low Mileage – Keeping the miles down on your Volkswagen can qualify you for lower rates on the low mileage vehicles.
• Safe Drivers – Drivers who don’t get into accidents may save up to 50% more for Passat insurance than less cautious drivers.
• Multi-policy Discount – If you have multiple policies with the same insurance company you will save 10% to 20% off each policy.
• Discount for Good Grades – A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
• Save with a New Car – Insuring a new car is cheaper due to better safety requirements for new cars.

Drivers should understand that some credits don’t apply to the overall cost of the policy. Most only cut individual premiums such as physical damage coverage or medical payments. Just because it seems like having all the discounts means you get insurance for free, you won’t be that lucky.

Can switching companies really save?

Drivers can’t get away from ads that promise big savings by companies like 21st Century, Allstate and State Farm. All the ads make the same claim that you’ll save big after switching to them.

But how can every company say the same thing?

All the different companies can use profiling for the right customer that is profitable for them. A good example of a desirable insured could be between 30 and 50, has no tickets, and drives less than 7,500 miles a year. Any driver who meets those qualifications will get the preferred rates and is almost guaranteed to save a lot of money.

Potential customers who are not a match for the requirements will be quoted higher rates and ends up with the driver buying from a lower-cost company. The ad wording is “customers that switch” not “people who quote” save that much. This is how insurance companies can advertise the way they do. This emphasizes why it’s extremely important to compare as many rates as you can. It’s impossible to know which insurance companies will give you the biggest savings.

How do I know if I need professional advice?

When buying coverage for your vehicles, there is no one size fits all plan. Every situation is different.

These are some specific questions might point out if your insurance needs would benefit from professional advice.

• Can I afford low physical damage deductibles?
• Do I have coverage when making deliveries for my home business?
• What discounts do I qualify for?
• Are my friends covered when driving my Volkswagen Passat?
• Can I afford to pay high deductible claims out of pocket?
• Is there coverage for injuries to my pets?
• Am I covered if I drive in a foreign country?
• Do I have coverage when using my vehicle for my home business?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form. It is quick, free and you can get the answers you need.

Do the work, save more money

As you go through the steps to switch your coverage, you should never buy poor coverage just to save money. There are many occasions where someone dropped comprehensive coverage or liability limits only to find out that the few dollars in savings costed them thousands. The aim is to find the BEST coverage for the lowest price while not skimping on critical coverages.

Affordable Volkswagen Passat insurance is available online in addition to many insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies do not provide online quoting and many times these small insurance companies only sell through independent insurance agents.

Consumers who switch companies do it for a variety of reasons including poor customer service, lack of trust in their agent, delays in paying claims and not issuing a premium refund. It doesn’t matter why you want to switch choosing a new company is not as hard as you think.