Best Rate Quotes for Volkswagen Passat Insurance in Los Angeles

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Insurance for Volkswagen PassatHow long has it been since you compared cheaper Volkswagen Passat insurance in Los Angeles? Locating low-cost insurance for a new or used Volkswagen Passat in California could be a lot of work, but you can learn these tips to make it easier. There are both good and bad ways to find car insurance online so you're going to learn the proper way to compare rates for a Volkswagen and locate the lowest possible price either online or from Los Angeles insurance agents.

Shocking but true, the vast majority of California car insurance customers renewed their policy with the same company for at least the last four years, and just under half have never shopped around. American drivers could cut their rates by as much as 47% a year just by shopping around, but they don't know how much savings they would realize if they replace their high priced policy.

Cutting your Los Angeles insurance rates is not a difficult process. The only thing you need to do is take a few minutes comparing price quotes online with multiple companies.

The companies shown below are ready to provide free quotes in California. If multiple providers are shown, we suggest you click on several of them in order to find the lowest rates.

Analysis of Volkswagen Passat rates

The coverage table displayed next showcases detailed analysis of insurance policy prices for Volkswagen Passat models. Learning a little about how premiums are determined can assist in making decisions when choosing a new policy provider.

Volkswagen Passat Insurance Rates in Los Angeles, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Passat Komfort Station Wagon $314 $546 $376 $22 $112 $1,370 $114
Passat Komfort 4-Dr Sedan $314 $546 $442 $26 $132 $1,460 $122
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Rates do not factor in specific location information which can affect rates greatly.

Physical damage deductibles

One common question asked by Los Angeles drivers is how high should the physical damage coverage deductibles be. The rates shown below can help you understand the rate differences between low and high comp and collision deductibles. The first data table uses a $100 deductible for comp and collision and the second set of prices uses a $1,000 deductible.

Volkswagen Passat insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Passat Komfort Station Wagon $430 $810 $376 $22 $112 $1,775 $148
Passat Komfort 4-Dr Sedan $430 $810 $442 $26 $132 $1,865 $155
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Volkswagen Passat insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Passat Komfort Station Wagon $238 $426 $376 $22 $112 $1,174 $98
Passat Komfort 4-Dr Sedan $238 $426 $442 $26 $132 $1,264 $105
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Premium amounts do not factor in your specific Los Angeles location which can influence rates greatly.

Based on the data above, we can derive that using a $100 deductible costs approximately $50 more each month or $600 each year than requesting the higher $1,000 deductible. Since you would pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average more than 18 months between claims, you would save money if you choose the higher deductible.

The example below highlights how deductible choice and can change Volkswagen Passat premium costs for each different age category. The rate quotes are based on a married male driver, full physical damage coverage, and no policy discounts are applied.

Impact of citations and accidents on insurance rates

The information below illustrates how speeding tickets and accidents raise Volkswagen Passat yearly insurance costs for each different age category. Data assumes a married female driver, full coverage, $1,000 deductibles, and no discounts are factored in.

Cost comparison with and without full coverage

The information below illustrates the difference between Volkswagen Passat car insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The prices are based on no claims, a clean driving record, $1,000 deductibles, single status, and no other discounts are factored in.

Should you be buying full coverage?

There isn't a written rule that works best for making the decision to drop full coverage, but there is a general guideline you can use. If the yearly cost of full coverage is about 10% or more of the vehicle's replacement cost less your deductible, then you might want to think about dropping full coverage.

For example, let's assume your Volkswagen Passat settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $6,000 after you pay the deductible. If you are paying in excess of $600 a year for physical damage coverage, then it's probably a good time to buy liability coverage only.

There are a few situations where dropping full coverage is not in your best interest. If you still have a loan on your vehicle, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don't have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not buy liability only.

Car insurance is not optional

Even though it can be expensive, buying car insurance is a good idea for several reasons.

  • Most states have mandatory insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability coverage if you drive a vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
  • If you have a lien on your Volkswagen, almost every bank will make it a condition of the loan that you carry insurance to guarantee their interest in the vehicle. If you do not pay your insurance premiums, the bank may buy a policy for your Volkswagen for a lot more money and require you to pay for the expensive policy.
  • Insurance safeguards not only your vehicle but also your financial assets. Insurance will also pay for hospital and medical expenses incurred in an accident. One policy coverage, liability insurance, will also pay attorney fees if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will pay to repair the damage.

The benefits of having insurance are definitely more than the cost, specifically if you ever have a liability claim. According to a 2015 survey, the average American driver overpays as much as $700 annually so it's very important to do a rate comparison every year to ensure rates are competitive.

Slash rates with these nine discounts

Insuring your vehicles can cost a lot, but there could be available discounts to reduce the price significantly. A few discounts will be applied at quote time, but some need to be specially asked for before you get the savings.Discount insurance

  • Discounts for Responsible Drivers - Accident-free drivers could pay up to 40% less compared to accident prone drivers.
  • Defensive Driving Course - Successfully completing a course that instructs on driving safety may get you a small discount and easily recoup the cost of the course.
  • Claim Free - Good drivers with no accidents can save substantially in comparison to insureds who have frequent claims or accidents.
  • Onboard Data Collection - People who choose to allow their company to scrutinize vehicle usage by using a telematic data system like In-Drive from State Farm and Progressive's Snapshot could possibly reduce rates if they exhibit good driving behavior.
  • Passive Restraints and Air Bags - Factory options such as air bags and/or automatic seat belt systems can qualify for discounts of 20 to 30 percent.
  • Multiple Policy Discount - If you can combine your homeowners and auto policy and place coverage with the same company they may give you a discount of nearly 15% which can help you find cheaper Passat insurance.
  • Club Memberships - Participating in certain professional organizations is a good way to get lower rates on your bill.
  • Mature Driver Discount - Drivers over the age of 55 may qualify for a discount up to 10%.
  • New Vehicle Savings - Adding a new car to your policy can save you some money since newer vehicles are generally safer.

We need to note that some credits don't apply to the whole policy. A few only apply to specific coverage prices like liability, collision or medical payments. Despite the appearance that having all the discounts means you get insurance for free, you won't be that lucky.

The chart below illustrates the difference between Volkswagen Passat auto insurance rates with and without discounts applied to the premium. The rates are based on a female driver, no claims or violations, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, safe-driver, marriage, multi-policy, and homeowner discounts applied.

The best insurance companies and some of their more popular discounts include:

  • American Family includes discounts for defensive driver, Steer into Savings, accident-free, mySafetyValet, early bird, and bundled insurance.
  • Nationwide offers premium reductions for multi-policy, Farm Bureau membership, easy pay, business or organization, accident-free, and family plan.
  • MetLife may offer discounts for good driver, accident-free, good student, multi-policy, and claim-free.
  • 21st Century discounts include theft prevention, automatic seat belts, teen driver, anti-lock brakes, homeowners, and student driver.
  • Farmers Insurance has savings for distant student, alternative fuel, homeowner, teen driver, business and professional, and pay in full.
  • Allstate may include discounts for anti-lock brakes, safe driver, premier discount, teenSMART discount, EZ pay plan discount, 55 and retired, and passive restraint.

It's a good idea to ask each company which discounts you may be entitled to. Some credits might not be available to policyholders in Los Angeles.

There's no such thing as the perfect car insurance policy

When quoting and comparing coverage for your personal vehicles, there really is no one-size-fits-all type of policy. Each situation is unique.Safe vehicles cost less to insure

For example, these questions may help highlight if your situation might need professional guidance.

  • Am I covered if I drive in a foreign country?
  • Is business property covered if stolen from my car?
  • Does my policy cover my teen driver if they drive my company car?
  • Does my insurance cover my expensive audio equipment?
  • Is other people's property covered if stolen from my vehicle?
  • Who is covered by my policy?
  • Why do I have to buy liability insurance?

If you don't know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It's fast, doesn't cost anything and can provide invaluable advice.

Shop online but buy locally

Many people still like to sit down with an agent and that can be a smart move Professional insurance agents can make sure you are properly covered and help you file claims. One of the great benefits of comparing rate quotes online is that you can find cheap rate quotes and still choose a local agent.

Los Angeles insurance agentsFor easy comparison, once you complete this quick form, the quote information is instantly submitted to companies in Los Angeles who will gladly provide quotes for your coverage. You never need to drive around because quoted prices will be sent to the email address you provide. If you want to get a price quote from a specific company, you just need to navigate to their website and give them your coverage information.

Finding the right insurance company requires you to look at more than just the quoted price. Any agent in Los Angeles should be willing to answer these questions.

  • Which companies can they place coverage with?
  • Can they provide you with a list of referrals?
  • If you are a high risk driver, do they have special markets for your coverage?
  • Where would glass claims be handled in Los Angeles?
  • Is assistance available after office hours?
  • Are they able to influence company decisions when a claim is filed?
  • Are you getting all the discounts the company offers?
  • When do they do policy reviews?

Los Angeles car insurance agents come in two flavors

When narrowing the list to find a reliable insurance agency, it helps to know the two different types of agencies and how they operate. Car insurance agents in Los Angeles can either be independent (non-exclusive) or exclusive. Either one can properly insure your vehicles, but it's a good idea to understand why they differ since it can impact buying decisions.

Exclusive Car Insurance Agencies

Exclusive agencies are contracted to one company and some examples include Allstate, AAA, Farmers Insurance, and State Farm. They generally cannot compare other company's rates so it's a take it or leave it situation. These agents are usually quite knowledgeable on their company's products which aids in selling service over price. Consumers often use the same exclusive agent partially due to high brand loyalty rather than low rates.

The following are exclusive agencies in Los Angeles that are able to give price quote information.

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Independent Agencies or Brokers

Agents that choose to be independent are not employed by any specific company so they have the ability to put coverage through many companies and find the cheapest rate. To transfer your coverage to a different company, they simply switch companies in-house and the insured can keep the same agent.

When comparing rate quotes, it's recommended you contact at least one independent agent for the best price selection. Most can insure with small regional insurance companies which can save you money.

Shown below are Los Angeles independent insurance agents that can give you price quote information.

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Car insurance coverage information

Knowing the specifics of your auto insurance policy can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Uninsured or underinsured coverage

This coverage gives you protection from other drivers when they are uninsured or don't have enough coverage. This coverage pays for injuries sustained by your vehicle's occupants as well as damage to your Volkswagen Passat.

Since many California drivers carry very low liability coverage limits (which is 15/30/5), it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive protection

This covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as a broken windshield, falling objects, hitting a bird, rock chips in glass and fire damage. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage protection

This coverage covers damage to your Passat resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like colliding with a tree, crashing into a ditch, backing into a parked car and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible on your Passat in order to get cheaper collision rates.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for bills like funeral costs, rehabilitation expenses and chiropractic care. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Coverage for liability

This will cover damage that occurs to other people or property by causing an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 15/30/5 that translate to $15,000 bodily injury coverage, a limit of $30,000 in injury protection per accident, and property damage coverage for $5,000.

Liability insurance covers claims like medical services, attorney fees, legal defense fees, loss of income and emergency aid. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible. California state minimum liability requirements are 15/30/5 but drivers should carry more liability than the minimum.

The next chart shows why buying low liability limits may not provide you with enough coverage.

One last note

We've covered some good ideas how to lower your Volkswagen Passat insurance rates in Los Angeles. The most important thing to understand is the more you quote Los Angeles auto insurance, the more likely it is that you will get a better rate. You may even be surprised to find that the best price on car insurance is with a company that doesn't do a lot of advertising.

Some companies may not offer the ability to get a quote online and these small, regional companies prefer to sell through independent agents. Cost effective Volkswagen Passat insurance can be purchased on the web as well as from insurance agents, and you should compare rates from both to get a complete price analysis.

As you shop your coverage around, don't be tempted to sacrifice coverage to reduce premiums. There are too many instances where an accident victim reduced uninsured motorist or liability limits only to find out that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase plenty of coverage for the lowest cost, but don't skip important coverages to save money.

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