Cheapest 2014 Volkswagen Passat Insurance Rates in 2024

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Melanie Musson

Published Insurance Expert

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in sustai...

Published Insurance Expert

UPDATED: Jun 5, 2023

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Most folks can’t think of a single person who likes paying for insurance, particularly when the cost is too high.

Drivers have multiple insurance companies to insure vehicles with, and although it’s a good thing to have a selection, so many choices can make it hard to compare rates. If you don’t know where to start, how can you save on the cost of 2014 Volkswagen Passat insurance?

Compare Insurance Coverage Today

There are several ways to get quotes from local insurance coverage companies. One of the best ways to find the cheapest 2014 Volkswagen Passat insurance rates consists of obtaining rate quotes online. This can be done in a couple of different ways.

  • One of the simplest ways to find the lowest comparison rates is an all-inclusive rate comparison click here to open the form in a new window. This form keeps you from doing boring form submissions to each individual insurance coverage company. One simple form gets rate comparisons from several companies.
  • Another way to find lower rates is to spend the time visiting the website of each company to complete their respective quote request forms.
  • The hardest method to compare rates is to drive around to insurance agents’ offices. Buying insurance online can eliminate the need for a local agent unless you have a need for the personal advice of a licensed agent. Drivers can comparison shop online and get advice from an agent in your area and we’ll touch on that later.

Whichever method you choose, double-check that you are using the exact same coverage limits with every price quote. If each company quotes different deductibles it will be next to impossible to truly determine the lowest rate. Just a small difference in insurance coverages can result in a big premium difference. Keep in mind that more quotes help locate a lower rate.

Lower Rates By Qualifying For Discounts

Companies that sell car insurance don’t always publicize every available discount very clearly, so we researched both the well-known and also lesser-known ways to save on auto insurance.

  • Bundle and Save – When you combine your home and auto insurance with one company you could get a discount of approximately 10% to 15%.
  • Memberships – Participating in certain professional organizations may earn a discount when buying auto insurance on Passat insurance.
  • Claim Free – Drivers who don’t have accidents can save substantially compared to accident-prone drivers.
  • Service Members Pay Less – Being deployed with a military unit may qualify for rate reductions.
  • Student in College – Any of your kids who live away from home and do not have a car may qualify for this discount.
  • Early Signing – Some insurance companies reward drivers for switching prior to their current policy’s expiration. This can mean you save 10% or more.

A little note about advertised discounts, most of the big markdowns will not be given to your bottom line cost. Most only reduce the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears having all the discounts means you get insurance for free, companies wouldn’t make money that way.

Car Insurance is Unique Just Like You

When buying coverage, there really is not a cookie-cutter policy. Every situation is different so this has to be addressed. Here are some questions about coverages that could help you determine if your situation might need professional guidance.

  • Is business equipment covered while in my vehicle?
  • Should I buy additional glass protection?
  • I don’t drive much so do I pay less?
  • When should I drop full coverage on my 2014 Volkswagen Passat?
  • Is my custom paint covered by insurance?
  • What is the rate difference between pleasure use and commuting?
  • At what point should I drop full coverage?
  • Can I afford to pay high deductible claims out of pocket?
  • Does coverage extend to my business vehicle?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent.

Coverages for a 2014 Volkswagen Passat

Knowing the specifics of your policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on most insurance policies.

Medical Payment and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP pay for bills for surgery, X-ray expenses, hospital visits, EMT expenses, and chiropractic care. They are often used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Liability – Liability coverage will cover damage or injury you incur to a person or their property that is your fault. This coverage protects you from legal claims by others and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident, and property damage. Your policy might show policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like emergency aid, court costs, and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Comprehensive  – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as rock chips in glass, a tree branch falling on your vehicle and hitting a bird. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision  – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or another vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like driving through your garage door, sustaining damage from a pothole, and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also increase the deductible to bring the cost down.

Whether an Online Purchase Or Local, The Savings Are There

We’ve delved into discounts, coverage options, and other details on how to save on your auto insurance for your 2014 Volkswagon Passat. Reaching out to an agent, researching companies online, and having a thorough understanding of what factors determine the rate you pay for coverage will all help you on your quest to find savings.

Use our FREE quote tool to compare rates now!

Frequently Asked Questions

How can I find the cheapest insurance for my 2014 Volkswagen Passat?

Finding the cheapest insurance for your 2014 Volkswagen Passat involves considering a few factors. Start by researching and comparing insurance quotes from multiple insurance providers. Factors that can influence the cost include your location, driving record, age, credit score, and the level of coverage you choose. Additionally, you may be eligible for discounts, such as safe driver discounts or bundling your auto insurance with other policies.

What are some tips to lower my insurance premiums for a 2014 Volkswagen Passat?

Here are some tips to help lower your insurance premiums for a 2014 Volkswagen Passat:

  • Maintain a clean driving record: Avoid accidents and traffic violations, as these can increase your insurance premiums.
  • Increase your deductible: Opting for a higher deductible can lower your premiums, but keep in mind that you’ll have to pay more out of pocket in case of a claim.
  • Explore available discounts: Inquire about discounts offered by insurance providers, such as safe driver discounts, multi-policy discounts, or discounts for safety features on your Passat.
  • Consider usage-based insurance: Some insurers offer usage-based insurance programs that monitor your driving habits. If you have good driving habits, you may qualify for lower premiums.

Does the color of my 2014 Volkswagen Passat affect insurance rates?

No, the color of your car, including a 2014 Volkswagen Passat, generally does not affect insurance rates. Insurance companies primarily consider factors like the vehicle’s make, model, engine size, safety features, age, and the driver’s profile when determining premiums. The color of your car does not significantly impact these factors.

Are older cars like the 2014 Volkswagen Passat generally more affordable to insure?

Older cars like the 2014 Volkswagen Passat may often be more affordable to insure compared to brand new vehicles. The main reasons for this are depreciation and lower replacement costs. However, insurance rates can still vary based on other factors such as the car’s safety features, repair costs, and the driver’s profile. It is advisable to compare insurance quotes from different providers to find the best and most affordable coverage for your specific situation.

Is it necessary to have comprehensive and collision coverage for a 2014 Volkswagen Passat?

The necessity for comprehensive and collision coverage for your 2014 Volkswagen Passat depends on your individual circumstances. If you have a loan or lease on your vehicle, the lender or leasing company may require you to carry comprehensive and collision coverage. However, if you own the car outright, you have more flexibility in choosing the coverage options. It’s recommended to consider factors like the value of your car, your budget, and your willingness to assume the risk of potential damages before deciding on the coverage types.

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