2009 Volkswagen Passat Insurance Rates – 7 Savings Tips

Want better auto insurance rates? Drivers have a choice when trying to find the best price on Volkswagen Passat insurance. You can either spend your time calling around to compare prices or use the internet to get rate quotes. There is a better way to buy auto insurance and you need to know the proper way to get price quotes for a Volkswagen and find the lowest possible price from local insurance agents and online providers.

If you have a policy now or need a new policy, you will benefit by learning to reduce the price you pay and possibly find even better coverage. The purpose of this article is to instruct you on the most effective way to quote insurance and some tricks to saving. Drivers just need to learn the proper methods to shop for insurance on the web.

Are you getting all your discounts?

Companies don’t list every discount in an easy-to-find place, so we took the time to find some of the more common and the more hidden discounts you could be receiving. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Discount for Life Insurance – Some companies give better rates if you take out auto and life insurance together.
  • Government Employees – Employees or retirees of the government could cut as much as 10% off for Passat insurance depending on your company.
  • Safe Driver Discount – Drivers who don’t get into accidents may receive a discount up to 45% less for Passat insurance than their less cautious counterparts.
  • Own a Home – Being a homeowner may trigger a insurance coverage policy discount because maintaining a house demonstrates responsibility.
  • Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Club Memberships – Affiliation with certain professional organizations is a good way to get lower rates on your policy for Passat insurance.
  • Military Discounts – Having a family member in the military may qualify for rate reductions.

As a disclaimer on discounts, most credits do not apply to the entire policy premium. A few only apply to specific coverage prices like collision or personal injury protection. So despite the fact that it appears all those discounts means the company will pay you, you’re out of luck.

For a list of insurance companies offering insurance coverage discounts, click this link.

How to Get Auto Insurance

Finding a better price on auto insurance is not a difficult process. All you need to do is take time to compare quotes online with multiple companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  • The first (and easiest) way consumers can make multiple comparisons would be an industry-wide quote request form like this one (opens in new window). This form saves time by eliminating multiple quote forms to each individual auto insurance company. Completing one form gets you price quotes from multiple companies. It’s the fastest way to compare.
  • Another way to obtain and compare quotes online consists of visiting each company’s website to complete a price quote. For instance, let’s assume you want to compare GEICO, Progressive and Farmers. To get rate quotes you would need to visit each site and enter your information, which is why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

  • The most time-consuming method to compare rates is to spend your day driving to different agent offices. Buying insurance online can eliminate the need for a local agent unless you have a need for the trained guidance of a local agent. It is possible to comparison shop online and still use a local agent and we’ll cover that in a bit.

However you get your quotes, compare identical information on every quote. If you use unequal deductibles or liability limits you can’t possibly make an equal comparison.

Tailor your coverage to you

When buying the right insurance coverage, there really is not a cookie cutter policy. Everyone’s needs are different.

Here are some questions about coverages that might help in determining whether or not you would benefit from an agent’s advice.

  • Are rock chip repairs covered?
  • Does insurance cover tools stolen from my truck?
  • When does my teenage driver need to be added to my policy?
  • What is PIP insurance?
  • Is a blown tire covered by insurance?
  • Is upholstery damage covered by car insurance?
  • Am I better off with higher deductibles on my 2009 Volkswagen Passat?
  • Can I afford to buy a different vehicle if my 2009 Volkswagen Passat is totaled?
  • What is UM/UIM insurance?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and can provide invaluable advice.

Insurance coverage breakdown

Having a good grasp of insurance can help you determine which coverages you need and proper limits and deductibles. Insurance terms can be ambiguous and coverage can change by endorsement.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Volkswagen Passat.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Auto liability insurance

Liability insurance can cover damages or injuries you inflict on people or other property that is your fault. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage pays for things such as funeral expenses, pain and suffering, court costs and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Collision protection

This will pay to fix damage to your Passat caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like hitting a parking meter, crashing into a ditch and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

Comprehensive coverage

This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as damage from flooding, rock chips in glass, fire damage, hitting a deer and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for expenses for funeral costs, EMT expenses, X-ray expenses, nursing services and dental work. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Buy online or local, you save

When buying insurance coverage, it’s very important that you do not buy lower coverage limits just to save a few bucks. There have been many cases where an accident victim reduced liability limits or collision coverage only to discover later that the savings was not a smart move. Your aim should be to purchase a proper amount of coverage for the lowest price while still protecting your assets.

We just showed you a lot of techniques to lower your 2009 Volkswagen Passat insurance rates. The key concept to understand is the more companies you get rates for, the higher the chance of saving money. You may even discover the lowest priced insurance coverage comes from a smaller regional carrier.

People who switch companies do it for a variety of reasons including lack of trust in their agent, policy cancellation, delays in responding to claim requests and unfair underwriting practices. Regardless of your reason, finding a new company is not as hard as you think.

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