View 2021 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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Are you at wits end from scraping the payment together to pay your insurance bill each month? You have the same problem as many other consumers.

There is such a variety of car insurance companies to choose from, and though it is a good thing to have multiple companies, it can be more difficult to find the best rates for your vehicles.

It’s smart to do price comparisons as often as possible because insurance rates change frequently. Even if you got the best rate for Passat insurance two years ago you may be paying too much now. Block out anything you think you know about insurance because it’s time to teach you the proper way to reduce your cost while increasing coverage.

Insurance rates and discounts

Insurance is expensive, but there could be significant discounts to help offset the cost. Certain discounts will be applied when you purchase, but some need to be requested specifically in order for you to get them. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • Distant Student – Kids who are enrolled in a college that is more than 100 miles from home and leave their car at home can receive lower rates.
  • Military Discounts – Having a deployed family member can result in better premium rates.
  • 55 and Retired – Seniors are able to get a small decrease in premiums for Passat insurance.
  • Air Bag Discount – Vehicles equipped with air bags or automatic seat belts may get savings as much as 30%.
  • Homeowners Savings – Just being a homeowner can save a few bucks because owning a home means you have a higher level of financial diligence.
  • Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them complete a driver education course as it will make them better drivers and lower rates.
  • Multi-policy Discount – If you insure your home and vehicles with the same company you could earn a discount of 10% to 20% off each policy.
  • Claim-Free Discount – Drivers who don’t have accidents get the best insurance rates as compared to accident-prone drivers.
  • Low Mileage Discounts – Driving less can earn substantially lower rates.
  • Life Insurance – Some insurance companies give a break if you buy some life insurance too.

Remember that most credits do not apply to the overall cost of the policy. Most only cut individual premiums such as physical damage coverage or medical payments. Despite the fact that it seems like you would end up receiving a 100% discount, it’s just not the way it works. But all discounts should definitely cut your policy cost.

Popular insurance companies and the discounts they provide include:

  • Farm Bureau discounts include multi-vehicle, renewal discount, 55 and retired, good student, driver training, and multi-policy.
  • State Farm offers premium reductions for anti-theft, multiple autos, defensive driving training, Drive Safe & Save, and accident-free.
  • Progressive offers discounts for good student, homeowner, multi-policy, online signing, online quote discount, continuous coverage, and multi-vehicle.
  • Allstate may have discounts that include farm vehicle, eSmart discount, good student, senior citizen, 55 and retired, and defensive driver.
  • Nationwide includes discounts for easy pay, business or organization, good student, family plan, and accident-free.
  • MetLife may include discounts for accident-free, claim-free, good student, multi-policy, defensive driver, good driver

If you want affordable insurance quotes, ask each company which discounts can lower your rates. Some discounts may not be offered in your area. If you would like to see a list of insurance companies who offer cheap insurance quotes, enter your zip code here.

What affects Volkswagen Passat insurance rates?

Lots of factors are considered when you get your auto insurance bill. Some are obvious such as your driving record, but other factors are more transparent such as your marital status or your commute time. One of the most helpful ways to save on auto insurance is to to have a grasp of some of the things that are used to determine the rates you pay for auto insurance. When you know what positively or negatively determines premiums, this helps enable you to make changes that can earn you lower premium levels.

The factors shown below are some of the most common factors companies use to determine your rate level.

  • Don’t let your coverage lapse – Not having insurance is against the law and your next policy will cost more because you let your coverage cancel without a new policy in place. Not only will rates go up, getting caught without coverage could earn you a fine, jail time, or a revoked license. Then you may be required to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
  • Costs for men may be higher – Over the last 30 years, statistics show women tend to be less risk to insure than men. Now that doesn’t mean men are worse drivers. Both genders have auto accidents at a similar rate, but the men cause more damage and cost insurance companies more money. Men also statistically get ticketed for serious violations like reckless driving and DUI. Young men ages 16 to 20 have the highest risk to insure and are penalized with high auto insurance rates.
  • More than one policy can earn a discount – Most larger insurers will award lower prices to policyholders that have more than one policy such as combining an auto and homeowners policy. Even if you already get this discount, it’s still a good idea to compare rates to make sure you are getting the best deal.
  • Rental and towing coverage may not be needed – There are quite a few additional coverages you can purchase on your Passat policy. Insurance for things like rental car reimbursement, accident forgiveness, and term life insurance are examples of these. They may seem like a good idea when discussing your needs, but if you don’t need them get rid of them and save.
  • File a insurance claims and pay more – If you are a frequent claim filer, you shouldn’t be surprised to get higher rates. Car insurance companies award discounts to drivers that do not abuse their auto insurance. Your car insurance is meant to be used in the event of claims that pose a financial burden.

Situations that may require an agent’s advice

When it comes to buying the right insurance coverage for your vehicles, there really is no cookie cutter policy. Each situation is unique so this has to be addressed. These are some specific questions may help you determine if your insurance needs could use an agent’s help.

  • Are rock chip repairs covered?
  • Should I have a commercial auto policy?
  • Does having multiple vehicles earn me a discount?
  • Is other people’s property covered if stolen from my vehicle?
  • Do I need roadside assistance coverage?
  • What is UM/UIM insurance?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and enter your zip code.

Do you really save 40% when you switch?

Popular insurance providers such as GEICO, State Farm and Progressive seem to constantly run ads on television and other media. They all tend to make the same promise that you can save just by moving your coverage to them. It sounds good, but how can they all charge you a lower premium? It’s all in the wording.

Companies can use profiling for a prospective insured that is profitable for them. A good example of this type of risk profile should be a female over age 40, has no claims, and has a short commute. Any customer who fits those characteristics will probably get cheap car insurance rates and will probably save money with a new company.

Drivers who do not meet the “perfect” profile may be required to pay higher rates and this can result in the customer not purchasing. The ads say “people who switch” not “all people who quote” will save that much if they switch. That’s the way insurance companies can make those statements.

This really illustrates why drivers must get insurance quotes as often as possible. Because you never know with any certainty which company will provide you with the cheapest premium rates.

Insurance coverage options for a 2021 Volkswagen Passat

Understanding the coverages of your policy can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring. Shown next are typical coverages offered by insurance companies.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like ambulance fees, rehabilitation expenses, nursing services, prosthetic devices and chiropractic care. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Coverage for liability

Liability coverage protects you from injuries or damage you cause to other people or property that is your fault. This insurance protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Some companies may use a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage protects against claims such as funeral expenses, structural damage and court costs. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Comprehensive insurance

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hail damage, theft and a tree branch falling on your vehicle. The most your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Volkswagen Passat.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Frequently these coverages are similar to your liability insurance amounts.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like crashing into a ditch, sideswiping another vehicle and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.

More choices the merrier

Some companies may not have rates over the internet and most of the time these small, regional companies sell through independent agents. Cheaper 2021 Volkswagen Passat insurance can be purchased from both online companies and from local agencies, and you need to price shop both to have the best rate selection.

As you prepare to switch companies, make sure you don’t sacrifice coverage to reduce premiums. There are many occasions where someone sacrificed liability coverage limits to discover at claim time that they should have had better coverage. Your objective should be to find the BEST coverage at the lowest possible cost while not skimping on critical coverages.

We covered a lot of information how to get a better price on 2021 Volkswagen Passat insurance. The most important thing to understand is the more quotes you get, the better your comparison will be. Consumers may even find the lowest rates come from a small mutual company. These smaller insurers can often provide lower car insurance rates in certain areas as compared to the big name companies such as Allstate and Progressive.

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