2005 Volkswagen Passat Insurance Cost – 8 Ways to Save
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UPDATED: Dec 3, 2021
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Finding better insurance prices for your Volkswagen Passat can normally be difficult, but you can learn the following methods to make it easier. There are more efficient ways to compare car insurance rates and we’ll show you the absolute fastest way to get price quotes on a Volkswagen and find the best price possible from both online companies and local agents.
Finding affordable coverage is quite easy. If you have a policy now or are looking for a new policy, you can use this information to cut your premiums while maximizing coverage. Drivers only need an understanding of the tricks to buy insurance coverage online.
Insurance Prices Online
Getting a lower price on 2005 Volkswagen Passat insurance can be relatively painless. All you need to do is invest a little time getting comparison quotes online from several insurance companies. This can be done using a couple different methods.
The fastest way consumers can make multiple comparisons would be an industry-wide quote request form like this one (opens in new window). This form keeps you from doing repetitive form submissions for each company you want a rate for. One form submission compares rates from several companies. It’s the fastest way to compare.
A less efficient way to compare rate quotes is to manually visit each company’s website and request a quote. For instance, let’s say you want to compare GEICO, State Farm and Allstate. To get rate quotes you would need to go to every website and enter your information, which is why the first method is more popular.
How to save on Volkswagen Passat insurance
Auto insurance companies don’t always list all available discounts in an easy-to-find place, so the following is a list of some of the best known and also the lesser-known car insurance savings. If they aren’t giving you every credit possible, you are paying more than you should be.
- Good Student Discount – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
- Accident Forgiveness – Certain companies will forgive one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
- Life Insurance – Larger companies have better rates if you take out life insurance from them.
- Anti-theft System – Vehicles with anti-theft systems help deter theft and therefore earn up to a 10% discount.
- Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Passat coverage than less cautious drivers.
- Passive Restraints – Factory air bags or automatic seat belts can receive discounts of more than 20%.
- Multiple Policy Discount – When you combine your home and auto insurance with one company you may earn at least 10% off all policies.
- Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
Drivers should understand that most of the big mark downs will not be given to the overall cost of the policy. Most cut the cost of specific coverages such as comprehensive or collision. So when the math indicates you would end up receiving a 100% discount, it just doesn’t work that way.
Car insurance companies that may offer some of the above discounts include:
- Farmers Insurance
- Farm Bureau
- State Farm
- Liberty Mutual
It’s a good idea to ask each company which discounts they offer. All car insurance discounts may not apply in every state.
Tailor your coverage to you
When buying the right insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Every situation is different.
For example, these questions could help you determine if your insurance needs would benefit from an agent’s advice.
- Is rental equipment covered for theft or damage?
- Do I need to file an SR-22 for a DUI in my state?
- What is roadside assistance coverage?
- Does coverage extend to a rental car in a foreign country?
- Am I covered if my car is in a flood?
- Am I covered when using my vehicle for business?
- What are the best liability limits?
- Should I buy full coverage?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- I have a DUI can I still get coverage?
If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.
Switch companies and save? Really?
Consumers can’t ignore all the ads for the lowest price auto insurance by Progressive, GEICO, Allstate and State Farm. All the ads make the same claim that you’ll save big if you move to their company.
But how can every company make the same claim? This is how they do it.
Different companies can use profiling for the type of driver that earns them a profit. For example, a profitable customer could be between the ages of 30 and 50, a clean driving record, and has excellent credit. A driver who fits that profile will get very good rates and is almost guaranteed to save when they switch companies.
Drivers who don’t meet the requirements must pay a more expensive rate and ends up with business not being written. The ad wording is “people who switch” but not “drivers who get quotes” save that much. That’s the way insurance companies can make those claims. This illustrates why you absolutely need to get quotes from several different companies. It is impossible to predict which insurance companies will fit your personal profile best.
Insurance coverage considerations
Understanding the coverages of your insurance policy can help you determine the best coverages and proper limits and deductibles. Insurance terms can be confusing and even agents have difficulty translating policy wording.
Liability car insurance – This coverage will cover damage or injury you incur to other people or property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged property.
Liability coverage pays for claims like medical expenses, structural damage, pain and suffering and loss of income. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.
Comprehensive insurance – This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims like a broken windshield, theft and damage from getting keyed. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage provide coverage for bills for EMT expenses, ambulance fees and dental work. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. 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 only offered in select states and may carry a deductible
Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.
Collision coverage – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for claims such as colliding with a tree, scraping a guard rail, sideswiping another vehicle, crashing into a ditch and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.
A fool and his money are soon parted
Drivers change insurance companies for any number of reasons including high rates after DUI convictions, high prices, not issuing a premium refund and lack of trust in their agent. Regardless of your reason, finding a new company is not as hard as you think.
As you shop your coverage around, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are many occasions where someone sacrificed liability limits or collision coverage only to regret they didn’t purchase enough coverage. Your focus should be to purchase a proper amount of coverage at an affordable rate.
In this article, we presented some good ideas how you can save on 2005 Volkswagen Passat insurance. It’s most important to understand that the more companies you get rates for, the higher the chance of saving money. You may even discover the best price on insurance coverage is with some of the lesser-known companies.
Much more information about insurance coverage is located on the following sites:
- Car Insurance: When not to Skimp (BankRate.com)
- Shopping for a Safe Car (Insurance Information Insitute)
- State Laws for Cellphones and Texting (iihs.org)
- Car Insurance FAQ (Trusted Choice)
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