How to Save on Volkswagen Passat Insurance in Seattle

Are you looking for the cheapest Volkswagen Passat insurance in Seattle? Trying to come up with a payment for pricey insurance can sap your personal savings and possibly require postponing other expenditures. Comparison shopping can help to lower your bills every month.

Insurance quote for Volkswagen Passat in SeattleSadly, the vast majority of insurance customers renewed their policy with the same company for a minimum of four years, and virtually 40% of consumers have never taken the time to shop around. Seattle drivers could save as much as 40% a year just by shopping around, but they don’t know the amount of money they would save if they replace their high priced policy.

You have multiple car insurance companies to buy insurance from, and though it is a good thing to have a choice, too many choices makes it more difficult to compare rates and find the lowest cost insurance.

Finding affordable car insurance coverage in Seattle can really be easy if you know what you’re doing. If you have car insurance now, you will definitely be able to buy cheaper car insurance using the ideas presented in this article. Although Washington car owners can benefit from knowing how insurance companies compete online and apply this information to your search.

Get cheaper Volkswagen Passat insurance rates in Seattle

Some providers do not advertise every available discount very clearly, so below is a list a few of the more well known and the more hidden auto insurance savings. If you’re not getting every credit possible, you could be getting lower rates.

Policy discounts save money, but some of the credits will not apply to the whole policy. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though the math looks like adding up those discounts means a free policy, companies wouldn’t make money that way. But all discounts will cut your premiums.

Companies and the discounts they provide are included below.

Before purchasing a policy, check with all the companies to give you their best rates. A few discounts might not be offered in your state. For a list of auto insurance companies that can offer you the previously mentioned discounts in Seattle, click here to view.

The easiest way to get policy rate comparisons for Volkswagen Passat insurance in Seattle is to know the trick car insurance companies actually pay money for the chance to quote your coverage. The only thing you need to do is give them rating details including driver ages, whether you have decent credit, your education level, and types of safety features. That rating data gets transmitted to multiple different insurance companies and you will get price comparisons almost instantly.

To get price quotes for your car now, click here and enter your zip code.

The car insurance companies shown below are our best choices to provide free rate quotes in Seattle, WA. If multiple providers are shown, we suggest you compare several of them to get the cheapest price.

Volkswagen Passat Insurance Rates in Seattle, WA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Passat Komfort Station Wagon $164 $310 $240 $14 $72 $800 $67
Passat Komfort 4-Dr Sedan $246 $556 $334 $20 $100 $1,256 $105
Get Your Own Custom Quote Go

Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Rate quotes do not factor in vehicle garaging location which can affect coverage rates significantly.

Should you raise deductibles?

The illustration below illustrates how your choice of deductibles and can impact Volkswagen Passat annual premium costs for different insured age categories. Data assumes a single male driver, comprehensive and collision coverage, and no discounts are applied.

Choosing deductibles

The hardest decision when buying coverage is how high should the physical damage coverage deductibles be. The rates shown below can help illustrate the premium difference when you choose different coverage deductibles. The first rate estimation uses a $250 comprehensive and collision deductible and the second set of prices uses a $1,000 deductible.

Volkswagen Passat insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Passat Komfort Station Wagon $258 $452 $250 $14 $76 $1,075 $90
Passat Komfort 4-Dr Sedan $258 $452 $294 $18 $88 $1,135 $95
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Volkswagen Passat insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Passat Komfort Station Wagon $158 $284 $250 $14 $76 $782 $65
Passat Komfort 4-Dr Sedan $158 $284 $294 $18 $88 $842 $70
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Premium amounts do not factor in garaging location in Seattle which can change insurance rates substantially.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you roughly $25 more each month or $300 every year than selecting the higher $1,000 deductible. Because you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have at a minimum 30 months between claims, you would most likely save money if you choose the higher deductible. Below is the way you can do this calculation yourself.

Average monthly premium for $250 deductibles: $93
Average monthly premium for $1,000 deductibles (subtract): – $68
Monthly savings from raising deductible: $25
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $25
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 30 months

An important sidenote is that increasing deductibles to lower your rates means you will have to pay more of your own money when you file a claim. You should have enough disposable income in the event you have to pay the higher deductible in order to repair your vehicle.

What Impacts Volkswagen Passat Insurance Prices?

When buying insurance it’s important to understand a few of the rating criteria that aid in calculating your policy premiums. When you understand what influences your rates, this enables informed choices that will entitle you to cheaper rates.

When to contact an insurance agency

Certain consumers still like to get professional advice from a licensed agent and we recommend doing that An additional benefit of comparing rate quotes online is that you can obtain lower rates and also buy local.

Seattle insurance agentsBy using this quick form, your information is transmitted to insurance agents in Seattle who will give you bids for your business. There is no reason to even leave your home since price quotes are sent immediately to your email address. You can find the lowest rates and an insurance agent to talk to. If you wish to get a comparison quote from a specific auto insurance provider, just visit that company’s website and submit a quote form there.

Deciding on an insurer should include more criteria than just a cheap price. The questions below may impact your decision as well.

If you need to find a local Seattle insurance agent, you must know there are a couple types of agencies and how they differ in how they can insure your vehicles. Auto insurance agents are either independent (non-exclusive) or exclusive.

Exclusive Insurance Agencies

Exclusive insurance agents normally can only provide a single company’s rates and some examples include AAA, Allstate, State Farm, or Farmers Insurance. These agents are unable to compare rates from other companies so they have no alternatives for high prices. Exclusive agents are well schooled on what they offer which helps them compete with independent agents.

Listed below are Seattle exclusive agents that are able to give price quote information.

4850 Rainier Ave SSeattle, WA 98118(206) 725-8008View Map

Lucho Singh – State Farm Insurance Agent
1420 Harvard AveSeattle, WA 98122(206) 329-4450View Map

4727 44th Ave SW Ste 100Seattle, WA 98116(206) 935-9955View Map

More Seattle agents

Independent Insurance Agents

Independent agencies often have affiliation with several companies so as a result can place your coverage with an assortment of companies and find you cheaper rates. If prices rise, the business is moved internally which requires no work on your part. If you are trying to find cheaper rates, it’s recommended you get rate quotes from multiple independent agents to get the best comparison.

The following are Seattle independent insurance agencies willing to provide price quotes.

9200 Holman Rd NWSeattle, WA 98117(206) 789-5940View Map

2414 SW Andover StSeattle, WA 98106(206) 937-4613View Map

2150 N 107th St # 460Seattle, WA 98133(206) 522-9200View Map

More Seattle agents

If you receive reasonable responses to any questions you may have and the cheapest Volkswagen Passat insurance in Seattle quotes, you’ve probably found a car insurance agent that meets the criteria to provide auto insurance coverage.

Best reasons to buy insurance in Washington

Even though Seattle Passat insurance rates can get expensive, insuring your vehicle serves a purpose in several ways.

First, most states have minimum liability requirements which means state laws require specific minimum amounts of liability coverage if you want to drive legally. In Washington these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you have a loan on your Volkswagen Passat, almost all lenders will force you to buy insurance to ensure the loan is repaid in case of a total loss. If coverage lapses or is canceled, the bank or lender will purchase a policy for your Volkswagen for a much higher rate and make you pay for the much more expensive policy.

Third, insurance protects your Volkswagen and your assets. It will also cover all forms of medical expenses for you, your passengers, and anyone else injured in an accident. One policy coverage, liability insurance, also pays expenses related to your legal defense if you are sued as the result of your driving. If your Volkswagen gets damaged, comprehensive (other-than-collision) and collision coverage will pay to repair the damage minus the deductible amount.

The benefits of buying insurance more than offset the price you pay, especially for larger claims. On average, a vehicle owner in Seattle is currently overpaying as much as $825 a year so you should quote rates once a year at a minimum to be sure current rates are still competitive.

In conclusion

Discount Volkswagen Passat insurance in Seattle can be purchased online and from local agencies, so you need to shop Seattle car insurance with both in order to have the best price selection to choose from. Some insurance providers do not offer price quotes online and usually these regional insurance providers only sell coverage through independent insurance agencies.

In this article, we covered many tips how you can reduce Volkswagen Passat insurance car insurance rates online in Seattle. The key concept to understand is the more times you quote, the better your chances of lowering your premium rates. You may even discover the most savings is with a smaller regional carrier. Regional companies may often insure only within specific states and give better rates than the large multi-state companies such as Allstate and Progressive.

As you restructure your insurance plan, you should never skimp on coverage in order to save money. In many cases, an insured dropped full coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your objective should be to purchase a proper amount of coverage at a price you can afford but still have enough coverage for asset protection.

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