Cheap 2022 Volkswagen Passat Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 26, 2024

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If shopping for auto insurance quotes online is new to you, there’s a good chance you are baffled by the confusing number of online companies offering coverage.

Why your insurance rates might be higher

Lots of factors are considered when pricing auto insurance. Some are pretty understandable like a motor vehicle report, but other criteria are less apparent like your vehicle usage or your financial responsibility.

Listed below are most of the major factors that factor into your rates.

  • Is your vehicle theft-ready? – Owning a car with a theft deterrent system can save you some money. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop vehicle theft.
  • Don’t cut corners with liability – The liability coverage on your policy provides coverage in the event that a court rules you are at fault for damages from an accident. Your liability coverage provides you with a defense in court to defend your case. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Lower prices by staying claim free – Insurance companies generally give better rates to insureds who file claims infrequently. If you’re an insured who likes to file claims you can expect increased rates or even have your policy non-renewed. Your car insurance is intended to be relied upon for larger claims.
  • Use one insurance company and save – Many insurance coverage companies allow discounts to people who buy several policies from them in the form of a multi-policy discount. Even if you’re getting this discount it’s in your best interest to compare other insurance prices to verify if the discount is saving money. Drivers may still save even more than the discount even if you have your coverage with different companies.
  • Single vs. married – Walking down the aisle can actually save you money compared to being single. It may mean you are more stable financially and it’s proven that drivers who are married file infrequent claims.
  • Lower stress equals lower insurance coverage rates – Jobs such as fire fighters, social workers and emergency personnel generally pay higher average rates attributed to intense work-related stress and lengthy work days. On the other hand, jobs like scientists, historians and retirees get better rates for Passat insurance.
  • Raising comp and collision deductibles lowers costs – Comprehensive and collision coverage deductibles define the amount you are willing to pay if a covered claim is submitted. Insurance for physical damage to your car, also known as collision and other-than-collision, protects your car from damage. Some examples of claims that would be covered are rear-ending another vehicle, vandalism, and damage from wind. The more the insured is willing to pay, the less money you will pay for insurance coverage for Passat insurance.

Discount insurance coverage rates

Insurance coverage is expensive, but companies offer discounts that could drop your premiums quite a bit. Certain discounts will be applied when you get a quote, but a few must be asked for prior to receiving the credit.

  • No Charge for an Accident – This isn’t a discount exactly, but a handful of insurance companies permit an accident without getting socked with a rate hike so long as you are claim-free for a certain period of time.
  • Senior Discount – If you’re over the age of 55, you can get a slight reduction on a auto insurance quote for Passat insurance.
  • Government Employee Discount – Having worked for a branch of the government can save as much as 8% for Passat insurance with a few insurance coverage companies.
  • Discounts for Seat Belt Usage – Drivers who require all occupants to buckle their seat belts can save 10% or more off the medical payments premium.
  • Discounts for Good Drivers – Drivers without accidents can save up to 40% or more on their auto insurance quote for Passat insurance than their less cautious counterparts.

It’s important to note that most discounts do not apply to the entire cost. Most only cut specific coverage prices like comp or med pay. If you do the math and it seems like it’s possible to get free car insurance, that’s just not realistic.

A list of companies and some of their more popular discounts are detailed below.

  • Progressive discounts include good student, online quote discount, homeowner, online signing, and multi-policy.
  • Farmers Insurance offers premium reductions for multi-car, business and professional, alternative fuel, switch companies, mature driver, pay in full, and teen driver.
  • Farm Bureau offers discounts for multi-vehicle, youthful driver, renewal discount, driver training, good student, safe driver, and 55 and retired.
  • State Farm may have discounts that include accident-free, defensive driving training, safe vehicle, good driver, passive restraint, multiple policy, and multiple autos.
  • GEICO offers discounts including driver training, daytime running lights, anti-lock brakes, air bags, emergency military deployment, multi-vehicle, and federal employee.
  • SAFECO includes discounts for anti-lock brakes, safe driver, multi-car, teen safe driver, teen safety rewards, and accident prevention training.
  • Liberty Mutual policyholders can earn discounts including new vehicle discount, new move discount, good student, exclusive group savings, preferred payment discount, and newly married.

It’s a good idea to ask all the companies the best way to save money. Savings might not be offered everywhere. If you would like to choose from a list of insurers that can offer you the previously mentioned discounts, enter your zip code here.

Insurance coverage advertisements

Insurance coverage providers like Progressive, GEICO, Allstate and State Farm seem to constantly run ads on television and other media. They all seem to say the same thing that drivers can save some big amount if you change to them. How can each company claim to save you money? It’s all in the numbers.

All the different companies are able to cherry pick for the type of customer that will add to their bottom line. For instance, a profitable customer may be between the ages of 30 and 45, has other policies, and drives a car with an anti-theft system. A prospective insured that meets those criteria will get a cheap rate quote and as a result will probably save money with a new company.

Potential customers who don’t meet those criteria will be charged a more expensive rate and this results in the customer buying from someone else. The trick is to say “drivers who switch” not “everyone who quotes” save that much when switching. That’s why insurance companies can confidently make the claims of big savings. Each company has different criteria, so you absolutely need to do a price quote comparison at every renewal. Because you never know the company that will have the best prices for your profile.

Tailor your auto insurance coverage to you

When choosing adequate coverage for your personal vehicles, there isn’t really a cookie cutter policy. Every insured’s situation is different.

For example, these questions might point out whether or not you will benefit from professional help.

  • Should I drop comprehensive coverage on older vehicles?
  • Which is better, split liability limits or combined limits?
  • Is my custom paint covered by insurance?
  • Should I waive the damage coverage when renting a car?
  • What is the minimum liability in my state?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Does medical payments coverage apply to all occupants?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and enter your zip code.

Educate yourself about insurance coverages

Having a good grasp of a insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and damage to your Volkswagen Passat.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for short-term medical expenses like prosthetic devices, funeral costs, hospital visits and dental work. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Collision insurance

This coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like rolling your car, sideswiping another vehicle, hitting a mailbox and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Comprehensive insurance

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like rock chips in glass, a tree branch falling on your vehicle, vandalism, theft and damage from getting keyed. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for liability

Liability coverage provides protection from damage or injury you incur to a person or their property that is your fault. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability insurance covers things like loss of income, funeral expenses, repair costs for stationary objects, attorney fees and structural damage. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Make a quick buck

When trying to cut insurance costs, never skimp on coverage in order to save money. In many cases, drivers have reduced full coverage only to discover later they didn’t purchase enough coverage. Your focus should be to purchase a proper amount of coverage at the best possible price, not the least amount of coverage.

Affordable 2022 Volkswagen Passat insurance is available on the web and also from your neighborhood agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance providers don’t offer the ability to get a quote online and many times these small insurance companies work with local independent agencies.

People who switch companies do it for a number of reasons such as questionable increases in premium, extreme rates for teen drivers, delays in paying claims and even delays in responding to claim requests. Whatever your reason, finding the right auto insurance provider is actually quite simple.

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