2010 Volkswagen Passat Car Insurance Cost

I can’t think of a single person who likes paying for insurance coverage, particularly when their premiums are too high. Big companies like State Farm, Farmers Insurance, GEICO and Allstate all claim big savings with advertising and it can be hard to ignore the propoganda and take the time to shop coverage around.

If you have a current car insurance policy or are shopping for new coverage, you can use these techniques to shop for the lowest rates and possibly find even better coverage. Finding the best rates is not rocket science. Drivers just need to learn the tricks to compare rates online.

Finding Insurance Coverage Deals

Most major insurance companies like GEICO, State Farm and Progressive quote insurance quotes directly from their websites. The process doesn’t take much effort as you simply enter your required coverages as requested by the quote form. Behind the scenes, the system requests your driving and credit reports and returns a price based on these factors. This streamlines rate comparisons, but the work required to visit multiple sites and fill out multiple forms can be a bit tiresome and repetitive. Unfortunately, it is important to do this in order to find the lowest possible prices on insurance coverage.

There is a better way to compare rates

A more efficient way to find lower prices utilizes a single form to obtain quotes from multiple companies. This type of form saves time, eliminates form submissions, and makes online quotes much more enjoyable. Immediately after you send the form, it is quoted and you can choose any one of the quotes returned.

If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. The whole process takes less than 15 minutes and could lower your rates considerably.

To quickly compare rates now, click here to open in new window and complete the simple form. If you have a policy now, it’s recommended you complete the form with the coverages identical to your current policy. Using the same limits helps guarantee you will get a price comparison for the exact same coverage.

Will just any policy work for me?

When it comes to buying coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions might help in determining if you could use an agent’s help.

• Does my insurance cover a custom paint job?
• Will my insurance pay for OEM parts?
• Can I get a multi-policy discount?
• What is roadside assistance coverage?
• Am I covered if hit by an uninsured driver?
• How much underlying liability do I need for an umbrella policy?
• Do I need PIP (personal injury protection) coverage in my state?

If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance companies in your area. It’s fast, free and can provide invaluable advice.

Insurance coverage specifics

Knowing the specifics of insurance can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. These are typical coverages offered by insurance companies.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 2010 Volkswagen Passat.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these limits are set the same as your liablity limits.

Liability coverages

This coverage will cover damages or injuries you inflict on people or other property. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as emergency aid, repair costs for stationary objects, pain and suffering, structural damage and bail bonds. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive protection

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from flooding, fire damage, falling objects, a broken windshield and theft. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for expenses for prosthetic devices, ambulance fees and pain medications. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Collision protection

This covers damage to your Passat resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as colliding with another moving vehicle, hitting a parking meter, rolling your car and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also increase the deductible to save money on collision insurance.