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Volkswagen Passat Insurance Rates

You have lots of choices when trying to insure your Volkswagen vehicle. You can buy from an insurance agent or go online to compare pricing from a lot of auto insurance companies. Comparing auto insurance through online companies can be fast and easy and at the same time you may find lower rates.

If you've never shopped for auto insurance online, it's easy to be confused by the hoards of online auto insurance companies and websites selling insurance. Finding a lower price on Passat insurance is not a difficult process. You just have to take a little time to compare quotes provided by online insurance companies. This can be done by visiting this page.

Which factors influence the rate you pay?

Insurance premiums for your Volkswagen Passat will vary greatly depending on several factors. Taken into consideration are:

  • Higher performance Passat vehicles cost more
  • Your accident history
  • Home and auto can earn discounts
  • Pleasure, commuting or business use can affect rates
  • Mature drivers pay less
  • Being married can lower rates
  • Special coverage such as replacement cost
  • Whether or not you have claims
  • Maintaining coverage lowers rates
  • Whether you rent or own your home

One important consideration that can impact your rates is the age of the vehicle. A newer vehicle have a higher value compared to older Volkswagen models so the cost to replace them will push premiums up. But new Volkswagen models have more advanced features including a telematics system, adaptive cruise control, and traction control so those may provide discounts that lower premiums.

To get more specific information about how much rates will be for your vehicle, select the year of your Passat from available model years below.

Coverage for liability

This coverage provides protection from damages or injuries you inflict on other's property or people. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so buy as much as you can afford.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection when the "other guys" either have no liability insurance or not enough. Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for expenses like doctor visits, EMT expenses, and X-ray expenses. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Personal Injury Protection is not universally available but can be used in place of medical payments coverage.

How Much are Volkswagen Passat Insurance Rates?