Passat Insurance

Why You Need to Properly Insure Your Volkswagen Passat

(It could save you a lot of money in the long run.)

Volkswagen Passat

The beloved Volkswagen Passat has been around for over 20 years and has stood the test of time as one of VW’s best selling vehicles. This midsize car boasts excellent fuel economy and comfort, understandably making it a great choice for daily commuters. As a driver, you face a multitude of risks on the road every day. With proper car insurance, you can greatly minimize the impact of those risks. An  independent insurance agent can help you choose the insurance that’s right for you. 

Click here find-an-agent-tool for a quick way to match up with a local agent and get the process started. 

What Kind of Insurance Do You Need for Your Volkswagen Passat? 

There are plenty of options to choose from when deciding on auto insurance. Every state has different mandates about minimum coverage, so ask your independent insurance agent what you need. It’s definitely a good idea to consider carrying insurance above the minimum required amount, since you could be responsible for hefty costs without it in the case of an accident. 

Most states mandate the following coverage: 

Bodily injury liability 

If you cause an accident while driving and injure someone in the other car, you are responsible for their medical costs. This coverage covers medical care and lost wages.

Property damage liability

Property damage liability coverage pays for damage you cause to another person’s vehicle or property while driving. That property could include anything from a garage door to a mailbox. 

Many states also require this coverage:

Medical payments/Personal injury protection

If you cause an accident and you and/or your passengers get injured, personal injury protection (PIP) coverage pays for medical care and lost wages resulting from the incident. 

Uninsured motorist coverage

An astonishing 13% of drivers operate their vehicles without insurance, putting you at risk for significant costs associated with medical expenses and car damage if they cause an accident. Uninsured motorist coverage provides reimbursement for these costs. You can also opt for uninsured and underinsured motorist coverage, which kicks in when the policy limits of the other driver have been met but are not adequate. 

Optional Coverage

Collision insurance

If you hit another vehicle or object and sustain damage to your vehicle, you could face having to pay thousands of dollars for repairs. Collision coverage covers the cost of that damage.

Comprehensive insurance

There are heaps of other incidents that could cause damage to your car. Anything from fires and earthquakes to falling rocks can produce substantial damage. Comprehensive coverage covers the cost of repairs or replacement for covered incidents. 

Glass coverage

Claims involving chipped or cracked windshields are some of the most common. For a very low monthly premium, you can get a windshield repair or replacement for little or nothing out of pocket. 

Gap insurance 

If you owe more on your VW Passat than it’s worth, you’ll want to strongly consider gap insurance. Gap coverage pays the difference between what you owe and what the car is worth in the event of a total loss. 

What Affects the Cost of Car Insurance for Your Volkswagen Passat? 

Annual mileage 

If you drive a high number of miles each year, you’ll have higher insurance premiums. After all, the more you are on the road, the greater chance there is that you will be involved in some type of collision. 

Driving record 

Do you have a spotless driving record? If so, you will enjoy much lower rates than someone with any moving or traffic violations. If you do happen to have points on your record, your independent insurance agent can advise you about when they will no longer affect your premiums. 

Your car’s value

The more expensive your car is, the higher your premiums will be. It costs insurance companies more to repair or replace expensive vehicles. 

Average cost of a Volkswagen Passat:
2016$9,600 - $15,850
2017$11,475 - $17,700
2018$13,650 - $21,175
2019$17,300 - $20,375
2020$22.995 - $31,095

The safety of your Volkswagen Passat

Safety is an important factor that insurers take into consideration. According to the latest available data, the 2019 Volkswagen Passat earned a strong five-star overall safety rating from the National Highway Traffic Safety Administration (NHTSA), making it an excellent choice as a safe vehicle to drive. 

Where you live with your Volkswagen Passat 

Depending on where you live, your insurance rates will be influenced. If you live in a densely populated city, you will have higher premiums than someone who lives in a rural town, since there are more chances for a claim. 

What Is the Average Cost to Insure a Volkswagen Passat?

The cost of your car insurance can vary depending on factors like age, driving record, etc. The average annual premium for full coverage on a VW Passat is $1,504. You can expect to pay much more if you are a high-risk driver. 

Which states are most affordable and least affordable for car insurance? 

Estimated annual car insurance premiums in the United States:

Most expensive states:
Louisiana$1,824
Michigan$1,600
Florida$1,596
California$1,588
Rhode Island$1,544
Most affordable states:
North Dakota$428
Ohio$500
North Carolina$520
Idaho$552
Maine$556

How Can You Save on Volkswagen Passat Car Insurance? 

Luckily, insurance companies offer plenty of ways to help you save money on car insurance, such as: 

You also have the option to choose a higher deductible to save money on your monthly premium. 

Top Insurance Companies That Insure the Volkswagen Passat 

No two insurance companies are exactly alike, meaning it’s important to select an insurer that fits your needs. The U.S. Independent Insurance Agent Satisfaction Study by J.D. Power awarded the following companies high marks: 

  1. Auto-Owners Insurance
  2. Progressive
  3. Safeco
  4. Travelers

Your independent insurance agent can help you choose a company that is the right fit for you.

Get a Volkswagen Passat Insurance Quote

There are plenty of perks to working with an independent insurance agent. Your agent has the ability to shop a wide range of companies to get you an affordable rate. An independent agent works for you, so you can be confident that your needs are taken care of. Let a Trusted Choice insurance agent help you shop for insurance today.

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quote inspector, naic.org, nhtsa, statista, jd power, consumer reports