2007 Volkswagen Passat Insurance Rates

Average insurance rates for a 2007 Volkswagen Passat are $1,078 a year for full coverage insurance. Comprehensive costs approximately $184, collision costs $262, and liability costs around $474. Buying a liability-only policy costs as low as $522 a year, with high-risk insurance costing around $2,322. Teen drivers receive the highest rates at $4,288 a year or more.

Annual premium for full coverage: $1,078

Rate estimates for 2007 Volkswagen Passat Insurance

Rate data is compiled from all 50 U.S. states and averaged for all 2007 Volkswagen Passat models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

View Chart as Image

These differences illustrate why anyone shopping for car insurance should compare prices using their specific location and risk profile, instead of making a decision based on price averages.

Use the form below to get rates for your location.

Consumers have options when looking for low-cost Volkswagen Passat insurance. You can either spend your time contacting agents to compare prices or leverage the internet to find the lowest rates. There are more efficient ways to shop for insurance coverage so you’re going to learn the quickest way to price shop coverage for your Volkswagen and get the lowest possible price from both online companies and local agents.

It’s a good habit to compare prices before your policy renews because insurance rates tend to go up over time. Despite the fact that you may have had the best rates on Passat insurance last year there may be better deals available now. Starting right now, block out anything you think you know about insurance coverage because you’re going to learn one of the quickest ways to properly buy coverages and cut your premium.

If you are insured now or need a new policy, you will benefit by learning to reduce the price you pay and still get good coverage. This article will introduce you to how to effectively get price quotes and some money-saving tips. Consumers just need to know the most efficient way to compare price quotes online.

Companies offer discounts so take them!

Car insurance companies don’t always advertise every available discount in a way that’s easy to find, so the following is a list of some of the best known and the more hidden savings tricks you should be using. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

• Theft Prevention System – Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
• No Claims – Good drivers with no accidents can save substantially when compared to frequent claim filers.
• Air Bag Discount – Factory air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
• Student Driver Training – Cut your cost by having your teen driver complete a driver education course if it’s offered in school.
• Fewer Miles Equal More Savings – Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
• Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
• Organization Discounts – Belonging to a qualifying organization could trigger savings on auto insurance on Passat insurance.
• Accident Forgiveness – Certain companies permit an accident before raising your premiums if you are claim-free for a particular time prior to the accident.
• New Vehicle Savings – Adding a new car to your policy is cheaper since new cars are generally safer.

It’s important to understand that many deductions do not apply the whole policy. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears you can get free auto insurance, companies wouldn’t make money that way.

To see a list of providers who offer auto insurance discounts, click here to view.

Do I just need basic coverages?

When choosing adequate coverage for your vehicles, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

These are some specific questions can help discover whether or not you may require specific advice.

• How high should deductibles be on a 2007 Volkswagen Passat?
• Do I need rental car coverage?
• Are my friends covered when driving my 2007 Volkswagen Passat?
• Does insurance cover damages from a DUI accident?
• Should I buy additional glass protection?
• Why am I required to buy high-risk coverage?
• Can I make deliveries for my home business?
• Do I pay less for low miles?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and can help protect your family.

Misconceptions in auto insurance advertisements

Consumers constantly see and hear ads that promise big savings by Allstate and Progressive. All the companies say the same thing that you’ll save big after switching to their company.

But how can every company make the same claim?

Insurance companies can use profiling for the type of customer they prefer to insure. For instance, a profitable customer could be a mature driver, has no tickets, and has excellent credit. A propective insured who matches those parameters is entitled to the best price and as a result will probably save when they switch companies.

Consumers who fall outside these standards will be quoted more money which leads to business not being written. The ads say “customers who switch” not “everyone that quotes” save money. That is how companies can advertise the savings. This emphasizes why drivers should quote coverage with many companies. It’s just too difficult to predict which company will have the lowest Volkswagen Passat insurance rates.

Car insurance coverages and their meanings

Having a good grasp of your car insurance policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Collision insurance

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as rolling your car, crashing into a ditch and colliding with a tree. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants 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 a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive coverages

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as vandalism, fire damage and hitting a bird. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as chiropractic care, rehabilitation expenses and surgery. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. It covers both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Liability coverage

This can cover damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover 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. As an example, you may have liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims like medical services, pain and suffering, repair bills for other people’s vehicles and legal defense fees. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Pennies from heaven

When buying insurance coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. In too many instances, an insured cut comprehensive coverage or liability limits only to discover later that the savings was not a smart move. The proper strategy is to buy the best coverage you can find for the lowest price while not skimping on critical coverages.

Drivers who switch companies do it for any number of reasons including policy cancellation, lack of trust in their agent, high prices and even delays in paying claims. No matter why you want to switch, finding the right auto insurance provider can be easier than you think.

Cost effective 2007 Volkswagen Passat insurance can be found from both online companies as well as from independent agents, and you need to comparison shop both to get a complete price analysis. Some insurance providers don’t offer the ability to get a quote online and these regional insurance providers work with independent agents.

To read more, link through to the resources below:

• Crash Avoidance Technologies FAQ (iihs.org)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Coverage Information (Progressive Insurance)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)