How to Save on Volkswagen Passat Insurance in Aurora

If saving the most money is your goal, then the best way to get more affordable auto insurance rates is to do a yearly price comparison from insurance carriers that sell auto insurance in Aurora. You can compare rates by following these guidelines.

  1. Gain an understanding of car insurance and the factors you can control to prevent expensive coverage. Many rating factors that drive up the price such as speeding and an unacceptable credit score can be eliminated by paying attention to minor details.
  2. Request price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO and Allstate, while independent agencies can provide rate quotes for a wide range of companies.
  3. Compare the new rate quotes to the premium of your current policy to see if a cheaper price is available in Aurora. If you find a better price and decide to switch, ensure coverage does not lapse between policies.
  4. Give proper notification to your current agent or company to cancel your current auto insurance policy. Submit a down payment along with a completed application to your new insurance company. Once the paperwork is finalized, store the proof of insurance certificate with the vehicle registration.

An important bit of advice to remember is to compare identical limits and deductibles on every price quote and and to get price quotes from as many companies as feasibly possible. This enables a fair rate comparison and a complete selection of prices.

Insurance for Volkswagen PassatIt’s easy to assume that insurance companies want to keep you from comparing prices. Drivers who compare rates annually are very likely to buy a new policy because there is a good probability of finding better rates. A recent insurance study revealed that consumers who did price comparisons regularly saved an average of $70 a month compared to drivers who never shopped around for better prices.

If finding the lowest rates on auto insurance in Aurora is why you’re reading this, then understanding how to choose a company and compare auto insurance can make shopping around easier.

Choices You Make Can Impact Your Insurance Rates

Many things are used when you get your auto insurance bill. Some are obvious such as your driving record, although others are less apparent such as whether you are married or your vehicle rating. The best way to find cheaper insurance is to take a look at some of the factors that go into determining insurance rates. If you know what impacts premium levels, this allows you to make good choices that may result in cheaper rates.

The items below are a few of the things that factor into prices.

The easiest way to compare car insurance rates for Volkswagen Passat insurance in Aurora is to realize almost all companies have advanced systems to quote your coverage. The one thing you need to do is provide a little information including if you require a SR-22, marital status, whether you drive to work or school, and which vehicles you own. Your information is automatically sent to insurance companies and they return quotes with very little delay.

To get price quotes for your Volkswagen Passat now, click here and find out if you can get cheaper insurance in Aurora.

The car insurance companies shown below can provide free rate quotes in Colorado. To buy cheap auto insurance in Aurora, we recommend you visit two to three different companies to get a more complete price comparison.

Volkswagen Passat insurance charts and tables

The premium table displayed below showcases estimates of insurance premium costs for Volkswagen Passat models. Learning how prices are determined is important for making decisions when shopping around.

Volkswagen Passat Insurance Rates in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Passat Komfort Station Wagon $162 $332 $338 $20 $102 $954 $80
Passat Komfort 4-Dr Sedan $162 $332 $396 $24 $118 $1,032 $86
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Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Rate quotes do not factor in specific Aurora garaging location which can increase or decrease coverage prices considerably.

Higher deductibles save money

When shopping for auto insurance, a common question is what deductibles to buy. The data tables below sum up the differences in premium rates between low and high physical damage coverage deductibles. The first rate quote example uses a $100 physical damage deductible and the second set of prices uses a $500 deductible.

Volkswagen Passat insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Passat Komfort Station Wagon $342 $644 $298 $18 $90 $1,417 $118
Passat Komfort 4-Dr Sedan $342 $644 $352 $20 $106 $1,489 $124
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Volkswagen Passat insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Passat Komfort Station Wagon $250 $434 $298 $18 $90 $1,090 $91
Passat Komfort 4-Dr Sedan $250 $434 $352 $20 $106 $1,162 $97
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Price information does not factor in specific garaging location which can increase or decrease price quotes greatly.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost in the ballpark of $27 more each month or $324 for a full year than requesting the higher $500 deductible. Due to the fact that you would have to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you average at a minimum 15 months between claims, you would probably save some money if you elect the higher deductible. The numbers below show an example of how you can come to your own conclusion.

Average monthly premium for $100 deductibles: $121
Average monthly premium for $500 deductibles (subtract): – $94
Monthly savings from raising deductible: $27
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $27
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

One important note is that a higher deductible level results in more money out-of-pocket when you do file a claim. You need to have enough money stashed away in the event you need to pay the deductible to have repairs made.

Difference between full coverage and liability only rates

The example below illustrates the comparison of Volkswagen Passat car insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data is based on no violations or claims, $250 deductibles, single status, and no discounts are applied to the premium.

Should you be buying full coverage?

There is no written rule of when to phase out physical damage insurance, but there is a broad guideline. If the yearly cost of full coverage is more than around 10% of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.

For example, let’s assume your Volkswagen Passat replacement value is $7,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company would pay you is $6,000 after paying your policy deductible. If you are paying more than $600 annually for comprehensive and collision coverage, then it could be time to drop full coverage.

There are a few situations where dropping physical damage coverage is not in your best interest. If you still owe money on your vehicle, you have to keep full coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not remove full coverage.

Why do I need car insurance?

Even though Aurora Passat insurance rates can get expensive, insuring your vehicle is a good idea for several reasons.

The benefits of having auto insurance are definitely more than the cost, particularly for liability claims. Today the average American driver overpays more than $855 a year so it’s important to compare rates each time the policy renews to save money.

Get discounts on Aurora insurance

Car insurance companies don’t list every discount available in an easy-to-find place, so we took the time to find some of the best known and also the lesser-known ways to save on insurance. If you do not double check each discount available, you could be saving more on your insurance.Discount insurance

A little note about advertised discounts, some of the credits will not apply to the whole policy. Most only reduce specific coverage prices like liability and collision coverage. So even though it sounds like having all the discounts means you get insurance for free, it just doesn’t work that way.

The information below shows the difference between Volkswagen Passat premium costs with and without discounts applied to the policy premium. The rates are based on a male driver, no claims or violations, Colorado state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, marriage, multi-policy, claim-free, and safe-driver discounts applied.

Popular insurance companies and their offered discounts are:

Before buying, ask every prospective company which discounts can lower your rates. Some discounts listed above may not apply in your state. To see a list of providers who offer online Volkswagen Passat insurance quotes in Colorado, click here.

Local neighborhood agents and car insurance

A lot of people still like to sit down and talk to an agent and that can be a smart move One of the benefits of comparing insurance prices online is that drivers can save money and get the best rates and still buy from a local agent. And buying from local insurance agencies is especially important in Aurora.

For easy comparison, once you complete this form (opens in new window), the quote information is submitted to local insurance agents who will gladly provide quotes for your car insurance coverage. It makes it easy because there is no need to even leave your home because quoted prices will be sent to you directly. You can find the lowest rates and a licensed agent to work with. If you have a need to get a comparison quote from a specific car insurance provider, you would need to visit that company’s website and fill out their quote form.

If you want to buy car insurance from a reliable agent, you should know the types of insurance agents and how they can write your policy. Insurance agencies in Aurora are categorized either independent or exclusive depending on the company they work for.

Independent Car Insurance Agencies

Independent agents do not have single company limitations so they can write business amongst many companies and find the cheapest rate. If your premiums go up, they simply switch companies in-house and that require little work on your part.

When comparing rates, you will want to get some free quotes from multiple independent agents to get the most accurate price comparison. Many independent agencies also insure through different regional companies that may provide cheaper car insurance rates.

Featured below are Aurora independent agents that may be able to give price quotes.

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Exclusive Insurance Agents

Exclusive agencies write business for a single company like AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents cannot provide other company’s prices so it’s a take it or leave it situation. Exclusive agents are trained well on sales techniques which helps offset the inability to provide other markets. Drivers often use the same exclusive agent mostly because of the prominence of the brand rather than having the cheapest rates.

The following is a short list of exclusive insurance agents in Aurora willing to provide comparison quotes.

View more Aurora agents

Picking the best car insurance agent is decision based upon more than just the price. These are some questions you should get answers to.

Best auto insurance in Aurora

Picking the right insurance provider can be a challenge considering how many companies provide coverage in Aurora. The company information displayed below could help you decide which insurers to look at purchasing a policy from.

Top 10 Aurora Car Insurance Companies Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. Titan Insurance
  5. The General
  6. AAA Insurance
  7. State Farm
  8. Nationwide
  9. Safeco
  10. Esurance

Top 10 Aurora Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA Insurance – 91%
  4. Nationwide – 90%
  5. State Farm – 90%
  6. The Hartford – 89%
  7. GEICO – 89%
  8. Allstate – 88%
  9. 21st Century – 88%
  10. The General – 88%

Quote more to save more

Throughout this article, we presented a lot of tips how to get a better price on Volkswagen Passat insurance in Aurora. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding affordable Volkswagen Passat insurance quotes. You may even find the lowest prices are with the smaller companies.

Cost effective Volkswagen Passat insurance is attainable online and from local insurance agents, so you need to quote Aurora auto insurance with both in order to have the best price selection to choose from. Some insurance companies do not offer rate quotes online and usually these smaller providers only sell through independent agents.

When getting Aurora auto insurance quotes online, make sure you don’t buy less coverage just to save a little money. In many cases, an insured dropped full coverage only to regret they didn’t purchase enough coverage. The aim is to buy a smart amount of coverage at a price you can afford while still protecting your assets.

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