2012 Volkswagen Passat Insurance Rates
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UPDATED: Oct 1, 2017
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Average insurance rates for a 2012 Volkswagen Passat are $1,238 a year with full coverage. Comprehensive insurance costs approximately $232 a year, collision insurance costs $388, and liability insurance costs $460. Buying a liability-only policy costs as little as $510 a year, and high-risk insurance costs $2,680 or more. Teenage drivers receive the highest rates at up to $4,792 a year.
Annual premium for full coverage: $1,238
Rate estimates for 2012 Volkswagen Passat Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2012 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
For a 40-year-old driver, prices range range from as low as $510 for just liability insurance to a high of $2,680 for high-risk insurance.
These differences demonstrate why it is important for drivers to compare rates using their specific location and risk profile, rather than relying on average rates.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2012 Volkswagen Passat Insurance
Looking for lower car insurance rates for your Volkswagen Passat? Are you a victim of overpriced car insurance? Trust us when we tell you many consumers feel financially strained by their car insurance policy. Popular companies such as State Farm, Allstate, GEICO and Progressive all claim big savings with ads and it can be hard to ignore the flashy ads and do the work needed to find the best deal.
Fast and Easy Auto Insurance Quotes
Finding a better price on auto insurance can be relatively painless. The only requirement is to spend a few minutes comparing rates online from several insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.
- The fastest way to get quotes would be an industry-wide quote request form like this one (opens in new window). This method saves time by eliminating repetitive form entry for each company you want a rate for. A single form will return price quotes instantly.
- A harder way to get comparison quotes consists of visiting the website for each individual company and fill out their own quote form. For sake of this example, let’s assume you want comparison quotes from Allstate, State Farm and American Family. To find out each rate you need to go to every website and enter your information, and that’s why the first method is more popular.
For a handy list of car insurance company links in your area, click here.
Whichever way you use, compare the exact same coverages and limits for each price quote. If your comparisons have different limits and deductibles on each one it will be impossible to make a fair comparison for your Volkswagen Passat.
Cut your premium with these six discounts
Auto insurance companies don’t list every discount in an easy-to-find place, so we break down both the well known and also the lesser-known ways to save on car insurance. If they aren’t giving you every credit you qualify for, you are throwing money away.
- Student Driver Training – Cut your cost by having your teen driver complete a driver education course if it’s offered in school.
- Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.
- Resident Student – Youth drivers who attend school more than 100 miles from home and don’t have a car can receive lower rates.
- Discounts for Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates on Passat insurance than less cautious drivers.
- Accident Waiver – A handful of insurance companies permit an accident before your rates go up if your claims history is clear for a set time period.
- Accident Free – Good drivers with no accidents can save substantially as compared to bad drivers.
It’s important to note that some credits don’t apply the whole policy. Most only reduce individual premiums such as comprehensive or collision. So even though they make it sound like having all the discounts means you get insurance for free, companies wouldn’t make money that way.
To see a list of insurance companies offering car insurance discounts, click here to view.
What is the best insurance coverage?
When buying the right insurance coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s needs are different so your insurance needs to address that. These are some specific questions can aid in determining if you might need professional guidance.
- Are my tools covered if they get stolen from my vehicle?
- Do I need replacement cost coverage on my 2012 Volkswagen Passat?
- Are split liability limits better than a combined single limit?
- Is borrowed equipment or tools covered if stolen or damaged?
- Do I need an umbrella policy?
- Should I waive the damage coverage when renting a car?
If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.
Parts of your auto insurance policy
Understanding the coverages of auto insurance can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Listed below are the normal coverages found on the average auto insurance policy.
Collision coverages – This will pay to fix damage to your Passat caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for things such as colliding with a tree, backing into a parked car and rolling your car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.
Auto liability insurance – Liability insurance can cover damage that occurs to other’s property or people. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.
Liability coverage protects against things like court costs, pain and suffering, emergency aid and repair costs for stationary objects. How much coverage you buy is your choice, but consider buying higher limits if possible.
Medical costs insurance – Coverage for medical payments and/or PIP reimburse you for immediate expenses like chiropractic care, nursing services and funeral costs. They are utilized in addition to your health insurance plan or if you do not have health coverage. They cover both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage
Comprehensive or Other Than Collision – This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims like a broken windshield, vandalism, theft and damage from getting keyed. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.
UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your 2012 Volkswagen Passat.
Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.
Rates by U.S. City
|New York City, NY||$1,956|
|Los Angeles, CA||$2,118|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$85|
|5-yr Claim Free||$79|
|Paid in Full/EFT||$52|
Discounts are estimated and may not be available from every company or in every state.