Want cheaper Volkswagen Passat insurance in Phoenix? Finding more affordable Phoenix Volkswagen Passat insurance quotes is overwhelming for drivers new to comparing and buying auto insurance on the internet. With more and more insurers available, how are drivers expected to possibly compare the different rates to find the best available price?
Unbelievably, the vast majority of consumers kept buying from the same company for more than four years, and roughly 40% of drivers have never compared rates from other carriers. Arizona drivers could save themselves about $730 a year by just comparing quotes, but they don’t want to spend time to compare rate quotes.
It’s a good habit to compare prices on a regular basis because insurance prices tend to go up over time. Despite the fact that you may have had the lowest price on Volkswagen Passat insurance in Phoenix a couple years back a different company probably has better rate quotes today. There is too much inaccurate information about Passat insurance online but in this article, you’re going to get some good information on how to put money back in your pocket.
Affordable Phoenix insurance rates with discounts
Insurance is not an enjoyable expense, but there may be some discounts that many people don’t even know exist. Many of these discounts will be applied automatically when you complete an application, but occasionally some discounts must be specially asked for before being credited. If you don’t get every credit possible, you could be getting lower rates.
- Distant Student Discount – Kids who are enrolled in higher education away from home and do not have a car may be able to be covered for less.
- Discounts for Government Workers – Having worked for a branch of the government can earn a discount up to 10% but check with your company.
- Phoenix Homeowners Discount – Just being a homeowner can help you save on insurance since home ownership shows financial diligence.
- Driver Safety – Completing a class that teaches driver safety techniques could cut 5% off your bill if you qualify.
- Senior Citizen Discount – Older drivers may receive a small decrease in premiums.
- Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to successfully take a driver’s education course in school.
- Theft Prevention Discount – Cars and trucks with anti-theft systems have a lower chance of being stolen so companies will give you a small discount.
Remember that some credits don’t apply to the entire policy premium. Most only apply to individual premiums such as liability, collision or medical payments. Despite the fact that it seems like all those discounts means the company will pay you, companies wouldn’t make money that way.
Insurance companies that may offer policyholders many of the previously listed discounts include:
When quoting, ask each insurance company which discounts you may be entitled to. Discounts might not be offered in your state.
The quickest method we recommend to compare rates for Volkswagen Passat insurance in Phoenix is to understand auto insurance companies have advanced systems to quote your coverage. To start a quote, the only thing you need to do is provide details like if it has an alarm system, what your job is, if the vehicle is leased, and if a SR-22 is needed. Your rating data gets sent immediately to many different companies and they provide comparison quotes within a short period of time.
To get price quotes for your car now, click here and complete the quick form.
The companies shown below provide price quotes in Arizona. If multiple providers are shown, we suggest you visit two to three different companies to get the cheapest price.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Passat Komfort Station Wagon | $138 | $284 | $268 | $16 | $80 | $786 | $66 |
| Passat Komfort 4-Dr Sedan | $156 | $326 | $390 | $24 | $116 | $1,012 | $84 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Price information does not factor in specific garaging location which can change premiums significantly.
Policy deductible comparison
The chart below demonstrates how deductible levels and can affect Volkswagen Passat insurance rates for different age groups. The information is based on a single female driver, full physical damage coverage, and no discounts are applied to the premium.
Annual premiums for males compared to females
The illustration below illustrates the comparison of Volkswagen Passat car insurance costs for male and female drivers. Data assumes no violations or accidents, comprehensive and collision coverage, $250 deductibles, single marital status, and no discounts are applied.
Price comparison of only insuring for liability
The illustration below shows the comparison of Volkswagen Passat insurance costs when comparing full coverage to state minimum liability only. The premiums are based on no accidents, no driving violations, $250 deductibles, married male driver, and no discounts are factored in.
Are you wasting money on full coverage?
There is no definitive rule that works best for making the decision to drop full coverage, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.
For example, let’s assume your Volkswagen Passat replacement cost is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $7,000 after paying your deductible. If you are paying in excess of $700 annually for physical damage coverage, then you might want to think about dropping full coverage.
There are a few cases where dropping physical damage coverage is not a good idea. If you still have a loan on your vehicle, you must maintain physical damage coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not remove full coverage.
How much insurance do I need?
Always keep in mind that when comparing your policy, there really is no best way to insure your cars. Your needs are unique to you and your policy should reflect that.
For example, these questions may help you determine if you might need an agent’s assistance.
- When should I remove my kid from my policy?
- Do I need motorclub coverage?
- Why is insurance for a teen driver so high in Phoenix?
- Does my car insurance cover rental cars?
- Will my rates increase for filing one claim?
- Am I getting all the discounts available?
- Is rental equipment covered for theft or damage?
If you’re not sure about those questions, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance companies in your area.
When do I need to have guidance from an agent?
A lot of people just want to talk to a local agent and that is recommended in a lot of cases One of the great benefits of comparing rate quotes online is the fact that drivers can get cheap car insurance rates and still have a local agent. Buying from and supporting local agencies is especially important in Phoenix.
Upon completion of this simple form, your insurance coverage information is immediately sent to insurance agents in Phoenix that can give you free Phoenix car insurance quotes for your car insurance coverage. There is no reason to leave your house due to the fact that quote results will go to your email. You can find the lowest rates and work with a local agent. If you need to compare rates from a specific insurance company, you just need to navigate to their website to submit a rate quote request.
Compare rates from both independent and exclusive auto insurance agents
When narrowing the list to find a reputable insurance agent or broker, it can be helpful to understand the different types of agents and how they work. Agents can be described as either exclusive or independent agents depending on their company appointments.
Independent Agents
These agents are not restricted to one company and that enables them to quote your coverage with a variety of different insurance companies and potentially find a lower price. If they quote lower rates, they simply move your policy to a different company and you don’t have to find a new agent. If you need lower rates, you will definitely want to get some free quotes from at a minimum one independent agency to get the most accurate price comparison. Many can place coverage with lesser-known insurance companies which may have better rates.
Shown below is a small list of independent insurance agencies in Phoenix that can give you price quotes.
- Fasula Kaplan Insurance Agency
11022 N 28th Dr Suite 125 – Phoenix, AZ 85029 – (602) 564-0880 – View Map - Oasis Insurance
317 N 19th Ave – Phoenix, AZ 85009 – (602) 233-5500 – View Map - Citywide Insurance
1529 W Thomas Rd – Phoenix, AZ 85015 – (602) 241-9200 – View Map
Exclusive Insurance Agents
Agents that choose to be exclusive are contracted to one company and some examples include State Farm, Allstate, and Farm Bureau. They usually cannot provide prices from multiple companies so they have to upsell other benefits. These agents are highly trained on what they offer and that enables them to sell even at higher rates. Consumers sometimes buy insurance from these agents partially due to high brand loyalty rather than having the cheapest rates.
Below are exclusive insurance agents in Phoenix who can help you get price quotes.
- Jerry Wood – State Farm Insurance Agent
3738 E Thomas Rd – Phoenix, AZ 85018 – (602) 955-3284 – View Map - Jacob Rosell – State Farm Insurance Agent
2218 N 24th St – Phoenix, AZ 85008 – (602) 267-8200 – View Map - Gunther Perdomo Llana – State Farm Insurance Agent
2040 E Bell Rd #110 – Phoenix, AZ 85022 – (602) 971-8488 – View Map
Choosing the best auto insurance agent is decision based upon more than just a cheap price. Agents should be asked these questions:
- What companies can they write with?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Will your rates increase after a single accident?
- By raising physical damage deductibles, how much would you save?
- Do you qualify for any additional discounts?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
Cheap insurance rates are out there
Lower-priced Volkswagen Passat insurance in Phoenix is possible on the web in addition to many Phoenix insurance agents, and you should compare price quotes from both to have the best selection. Some insurance providers may not offer rates over the internet and most of the time these small insurance companies only sell through independent agents.
As you restructure your insurance plan, don’t be tempted to reduce needed coverages to save money. There have been many situations where an insured cut liability limits or collision coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy the best coverage you can find at the best price, but don’t skip important coverages to save money.
Other resources
- What if I Can’t Find Coverage? (Insurance Information Institute)
- Who Has Affordable Phoenix Car Insurance Quotes for a 20 Year Old Male? (FAQ)
- Who Has Affordable Phoenix Auto Insurance for a Ford Fusion? (FAQ)
- How Much are Phoenix Car Insurance Quotes for Teachers? (FAQ)
- Who Has the Cheapest Phoenix Auto Insurance Quotes for Low Credit Scores? (FAQ)
- Keeping Children Safe in Crashes Video (iihs.org)
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- Things to Know Before you Cancel Insurance (Allstate)