2013 Volkswagen Passat Car Insurance Quotes – 9 Discounts for Best Rates

Looking for cheaper auto insurance rates for your Volkswagen Passat? No one in their right mind likes having to buy auto insurance, in particular when the cost is way too high.

Drivers have so many auto insurance companies to purchase coverage from, and though it is a good thing to have a choice, too many choices makes it more difficult to compare rates.

You should take the time to get comparison quotes quite often due to the fact that insurance rates fluctuate regularly. If you had the lowest price on Passat insurance on your last policy a different company probably has better rates today. So just block out anything you think you know about auto insurance because we’re going to show you the things you must know in order to save on auto insurance.

Pay less for 2013 Volkswagen Passat insurance

Auto insurance companies don’t always advertise every discount very clearly, so we researched some of the best known as well as the least known insurance savings.

  • Drive Less and Save – Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.
  • Passive Restraints – Cars that have air bags or automatic seat belts can get savings of up to 25% or more.
  • Life Insurance Discount – Companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • Save over 55 – Older drivers may be able to get a discount up to 10% on Passat insurance.
  • Sign Online – Certain companies may give you up to $50 simply for signing digitally online.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
  • Good Student – Getting good grades can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
  • Homeowners Pay Less – Being a homeowner may trigger a insurance policy discount because of the fact that having a home requires personal responsibility.

It’s important to understand that many deductions do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates you can get free auto insurance, companies wouldn’t make money that way.

Companies that possibly offer these benefits include:

Double check with each company what discounts are available to you. Savings might not apply in your state.

Tailor your coverage to you

When choosing the best insurance coverage coverage, there really is not a perfect coverage plan. Everyone’s needs are different so your insurance should reflect that For instance, these questions might point out if your situation would benefit from professional advice.

  • How high should deductibles be on a 2013 Volkswagen Passat?
  • Is my state a no-fault state?
  • Is motorclub coverage worth it?
  • How high should my medical payments coverage be?
  • Will my rates increase for filing one claim?
  • Do I need special endorsements for business use of my vehicle?
  • What exactly is covered by my policy?
  • Does having multiple vehicles earn me a discount?
  • Is rental equipment covered for theft or damage?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Buyer beware of insurance advertising tricks

Insurance companies such as State Farm and Allstate constantly bombard you with ads in print and on television. They all seem to make an identical promise of big savings if you switch to them. How do they all make almost identical claims?

Insurance companies have a preferred profile for the right customer that earns them a profit. For example, a desirable insured might be between 30 and 50, has no prior claims, and drives newer vehicles. Any driver who meets those qualifications will qualify for the lowest rates and is almost guaranteed to cut their rates substantially.

Potential customers who do not match the requirements will be quoted a more expensive rate and this can result in business not being written. The ads say “people who switch” not “everybody who quotes” save that much money. This is how insurance companies can advertise the way they do. This emphasizes why you should get as many comparisons as possible. It’s impossible to know which insurance company will fit your personal profile best.

Insurance specifics

Understanding the coverages of your insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are the normal coverages offered by insurance companies.

Liability coverages – This coverage provides protection from injuries or damage you cause to people or other property by causing an accident. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims such as loss of income, funeral expenses, emergency aid and medical expenses. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

Insurance for medical payments – Med pay and PIP coverage provide coverage for expenses for chiropractic care, dental work, pain medications and rehabilitation expenses. They are used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverages – This coverage covers damage to your Passat resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like scraping a guard rail, damaging your car on a curb, colliding with a tree and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like fire damage, vandalism and rock chips in glass. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance – This coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Volkswagen Passat.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

One last thing

As you shop your coverage around, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many situations where an accident victim reduced liability limits or collision coverage and discovered at claim time they didn’t purchase enough coverage. The aim is to find the BEST coverage at the best price.

Cheap 2013 Volkswagen Passat insurance is definitely available both online and with local insurance agents, and you need to price shop both in order to have the best chance of saving money. A few companies do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

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