2020 Volkswagen Passat Insurance Rates
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UPDATED: Apr 30, 2020
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Average insurance rates for a 2020 Volkswagen Passat are $1,480 a year for full coverage. Comprehensive costs an estimated $332 each year, collision costs $600, and liability costs around $390. Buying a liability-only policy costs as low as $452 a year, with high-risk insurance costing around $3,204. Teenage drivers receive the highest rates at $5,442 a year or more.
Annual premium for full coverage: $1,480
Rate estimates for 2020 Volkswagen Passat Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2020 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 go from as low as $452 for just liability coverage to a high rate of $3,204 for high-risk insurance.
These differences show why all drivers should compare prices for a targeted area and risk profile, instead of using 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 2020 Volkswagen Passat Insurance
Searching for lower insurance rates for your Volkswagen Passat? Have you fallen victim to an underperforming, overpriced insurance policy? You’re preaching to the choir because you’re not the only one. There is such a variety of auto insurance companies to insure vehicles with, and even though it’s nice to have a choice, more options can take longer to compare rates and find the lowest cost insurance.
Smart consumers take time to get comparison quotes quite often due to the fact that insurance prices are constantly changing. Despite the fact that you may have had the lowest price for Passat coverage a year ago you can probably find a lower rate today. There are a lot of ways to save on insurance on the internet, but in a few minutes you can learn the best ways to lower your insurance rates.
Buying car insurance is not that difficult. If you are insured now or are looking for a new policy, you can learn to shop for the lowest rates while maximizing coverage. Drivers only need to know the most effective way to get comparison rates over the internet.
How to get the cheapest insurance coverage
Finding a better price on insurance coverage is actually easier than you may think. You just need to spend a little time to compare rate quotes to see which company has cheap auto insurance quotes. Rate comparisons can be done by using one of the methods below.
One of the simplest ways consumers can make multiple comparisons would be an industry-wide quote request form. This quick form prevents you from having to do a different quote for every company. Just one form gets insurance cost estimates from multiple low-cost companies.
A different way to find better pricing consists of going to the website for every company you want to comare and fill out a new quote form. For example, let’s assume you want to get rates from Allstate, Esurance and Liberty Mutual. You would be required to spend time going to each site individually to enter your coverage information, and that’s why the first method is more popular.
The method you choose is up to you, but make sure you use the same coverage limits and deductibles for each price quote. If you have different data it will be next to impossible to get a fair rate comparison.
Is there deception in advertising?
Drivers can’t escape the ads that claim the best rates from companies such as Progressive, GEICO, Allstate and State Farm. All the ads advertise claims about how much you will save just by moving your policy.
How does every insurance company cost less than your current company?
Insurance companies give the best rates for the type of customer that earns them a profit. One example of a desirable insured could possibly be between the ages of 30 and 45, has never had a claim, and drives less than 10,000 miles a year. Someone who fits those characteristics gets the lowest car insurance rates and as a result will probably save quite a bit of money when switching.
Consumers who don’t measure up to those criteria will be quoted higher rates which usually ends up with the customer not purchasing. The trick companies use is to say “people who switch” not “everyone who quotes” save that much money. That’s why insurance companies can state the savings. Because each company has a different risk profile, it is so important to get as many free auto insurance quotes as possible. Because you never know with any certainty which company will have the best prices.
Do you qualify for these ten discounts?
Insurance coverage is easily one of your largest bills, but there could be available discounts that many people don’t even know exist. A few discounts will be applied at the time you complete a quote, but some need to be requested specifically prior to getting the savings.
- Claim Free – Insureds who avoid accidents and claims have much lower rates compared to frequent claim filers.
- Full Payment Discount – By paying your policy upfront as opposed to paying monthly you can avoid the installment charge.
- Own a Home and Save – Owning a house may trigger a policy discount on insurance coverage because owning a home demonstrates responsibility.
- Sign Online – Some insurance coverage companies may give you up to $50 simply for signing over the internet.
- Multi-policy Discount – If you have multiple policies and insure them both with the same insurance company you could get a discount of nearly 15% which can help you find inexpensive auto insurance.
- Active Military Service – Being on active duty in the military may qualify for rate reductions.
- Discount for Passive Restraints – Vehicles equipped with air bags may get savings of more than 20%.
- Memberships – Affiliation with a professional or civic organization may earn a discount on your next renewal.
- Renewal Discounts – A few insurance companies give discounts for buying a policy early. This discount can save up to 10%.
- Anti-lock Brake Discount – Anti-lock brake equipped vehicles are much safer to drive and will save you 10% or more.
Remember that most credits do not apply to the whole policy. Some only reduce individual premiums such as comprehensive or collision. So when it seems like you could get a free insurance coverage policy, insurance coverage companies aren’t that generous.
Large insurance coverage companies and some of their more popular discounts are included below.
- GEICO may have discounts that include military active duty, five-year accident-free, daytime running lights, emergency military deployment, multi-vehicle, air bags, and anti-lock brakes.
- MetLife offers discounts for claim-free, accident-free, good driver, good student, defensive driver, and multi-policy.
- Progressive may offer discounts for online quote discount, online signing, continuous coverage, multi-policy, and good student.
- Travelers offers discounts including multi-car, student away at school, hybrid/electric vehicle, save driver, continuous insurance, and driver training.
- SAFECO has savings for multi-car, teen safe driver, homeowner, teen safety rewards, and anti-theft.
- AAA offers premium reductions for pay-in-full, multi-policy, good student, multi-car, AAA membership discount, and education and occupation.
If you are trying to find cheaper auto insurance quotes, ask every company which discounts can lower your rates. All car insurance discounts might not be available to policyholders in your state. For a list of insurers who offer free insurance coverage quotes, enter your zip code here.
Don’t assume everyone needs the same car insurance coverage
When it comes to choosing the right insurance coverage, there is no “best” method to buy coverage. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that might help in determining if you might need an agent’s assistance.
- Is extra glass coverage worth it?
- What can I do if my company won’t pay a claim?
- Does coverage extend to Mexico or Canada?
- Should I sign the liability waiver when renting a car?
- How can I find cheaper teen driver insurance?
- Should I buy only the required minimum liability coverage?
- Am I covered if my car is in a flood?
- Does insurance cover damages from a DUI accident?
- I have good health insurance, so how much medical payments coverage do I need?
If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and enter your zip code. It’s fast, free and can help protect your family.
Auto insurance policy coverages for a 2020 Volkswagen Passat
Understanding the coverages of auto insurance aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. These are the usual coverages found on the average auto insurance policy.
Liability coverage provides protection from damage or injury you incur to a person or their property in an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.
Liability coverage protects against claims such as bail bonds, repair bills for other people’s vehicles, structural damage and court costs. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.
Comprehensive (Other than Collision)
This coverage pays for 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 coverage pays for things like hitting a deer, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
This coverage covers damage to your Passat caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.
Collision coverage pays for things such as sideswiping another vehicle, hitting a parking meter and colliding with a tree. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.
Medical expense insurance
Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for X-ray expenses, chiropractic care, pain medications and doctor visits. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage
Protection from uninsured/underinsured drivers
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.
Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.
The cheapest 2020 Volkswagen Passat insurance is attainable online and from local agencies, and you need to comparison shop both in order to have the best price selection to choose from. A few companies do not offer online quoting and these regional insurance providers work with independent insurance agents.
We just covered a lot of techniques to lower your 2020 Volkswagen Passat insurance car insurance rates. It’s most important to understand that the more companies you get premium rates for, the higher your chance of finding inexpensive auto insurance. You may even discover the best price on insurance is with the least-expected company. These smaller insurers often have lower premium rates on specific markets than their larger competitors like GEICO and State Farm.
For more information, feel free to browse the following helpful articles:
- Car Insurance FAQ (Trusted Choice)
- How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
- Learn About Car Insurance (GEICO)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
- Auto Insurance Facts and Statistics (Insurance Information Insitute)
- Property Damage Coverage (Liberty Mutual)
Rates by U.S. City
|New York City, NY||$2,340|
|Los Angeles, CA||$2,532|
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||$111|
|5-yr Claim Free||$96|
|Paid in Full/EFT||$70|
Discounts are estimated and may not be available from every company or in every state.