Insurance for Volkswagen PassatAre you tired of overpaying and want more competitive Volkswagen Passat insurance in Chesapeake? If price shopping Chesapeake car insurance quotes online is new to you, there's a good chance you are bewildered by the crazy number of insurance providers all claiming to have the lowest rates for Volkswagen Passat insurance in Chesapeake.

Statistics show that the vast majority of drivers kept their policy with the same company for more than four years, and just short of a majority have never even shopped around for cheaper coverage. The average driver in Virginia can cut their rates by approximately $500 a year, but they don't understand how simple it is to find cheaper insurance by shopping around.

It's a good idea to get comparison quotes occasionally since prices change regularly. Even if you got the lowest rate on Volkswagen Passat insurance in Chesapeake at your last renewal a different company probably has better premium rates today. You can find a lot of wrong information about Passat insurance on the internet, but by reading this article, you're going to learn the easiest ways to lower your car insurance rates in Chesapeake.

If you have insurance now, you stand a good chance to be able to lower your rates using the ideas presented in this article. The purpose of this article is to let you in on how car insurance quotes work and also pocket some savings Although Virginia consumers can benefit by having an understanding of the way companies set your policy premium and use it to find better rates.

Chesapeake auto insurance discounts

Car insurance companies don't always list their entire list of discounts very clearly, so the list below details some of the more common and the harder-to-find savings tricks you should be using when you buy Chesapeake car insurance online.

Discounts save money, but please remember that many deductions do not apply to the whole policy. The majority will only reduce individual premiums such as liability, collision or medical payments. So despite the fact that it appears adding up those discounts means a free policy, companies wouldn't make money that way.

Insurance companies that may have many of the previously listed discounts are:

Check with each insurance company which discounts you qualify for. A few discounts may not apply to policyholders in your state. If you would like to see a list of auto insurance companies that offer the discounts shown above in Virginia, click here to view.

The best way we recommend to compare insurance rates from multiple companies is to realize all the major auto insurance companies participate in a system to quote your coverage. To begin a comparison, all you need to do is provide information like if a SR-22 is required, if you lease or own, level of coverage desired, and driver ages. Your rating data is submitted instantly to insurance carriers in your area and you will receive price estimates immediately.

To compare multiple company affordable Volkswagen Passat insurance rates now, click here and complete the quick form.

The following companies can provide free rate quotes in Virginia. If multiple companies are listed, it's a good idea that you visit as many as you can to get a more complete price comparison.

Volkswagen Passat Insurance Rates in Chesapeake, VA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Passat Komfort Station Wagon $158 $248 $286 $16 $86 $794 $66
Passat Komfort 4-Dr Sedan $218 $386 $262 $16 $78 $960 $80
Get Your Own Custom Quote Go

Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Virginia minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Rate quotes do not factor in the specific area where the vehicle is garaged which can impact auto insurance rates considerably.

An analysis of deductible level

One common question asked by Chesapeake drivers is the level to set your comp and collision deductibles. The rates below can help illustrate the premium difference when you buy lower versus higher coverage deductibles. The first data set uses a $100 physical damage deductible and the second rate chart uses a $1,000 deductible.

Volkswagen Passat insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Passat Komfort Station Wagon $250 $472 $218 $12 $66 $1,043 $87
Passat Komfort 4-Dr Sedan $250 $472 $258 $16 $78 $1,099 $92
Get Your Own Custom Quote Go
Volkswagen Passat insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Passat Komfort Station Wagon $138 $248 $218 $12 $66 $682 $57
Passat Komfort 4-Dr Sedan $138 $248 $258 $16 $78 $738 $62
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Price estimates do not factor in specific zip code location which can influence coverage rates greatly.

Based on these figures, using a $100 deductible will cost you roughly $30 more each month or $360 a year than quoting the higher $1,000 deductible. Because you would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you usually have at a minimum 30 months between claim filings, you would save money if you elect the higher deductible.

How to calculate deductible break even period

Average monthly premium for $100 deductibles: $90
Average monthly premium for $1,000 deductibles (subtract): - $60
Monthly savings from raising deductible: $30
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $30
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 30 months

An important thing to remember is that a higher deductible means you will have to pay more of your own money when you have a physical damage claim. That will require some funds available in the event you have to pay more to get your vehicle repaired.

Lower Insurance Rates with These Tips

An important part of buying insurance is that you know some of the things that aid in calculating your auto insurance rates. If you have a feel for what influences your rates, this helps enable you to make changes that could help you find big savings. Many things are taken into consideration when you get a price on insurance. A few of the factors are predictable like your driving record, but other criteria are not as apparent such as whether you are married or how financially stable you are.

You may need specialized auto insurance coverage

When it comes to buying proper insurance coverage, there really is no one-size-fits-all type of policy. Your needs are unique to you.

These are some specific questions might point out if your insurance needs would benefit from an agent's advice.

If you don't know the answers to these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Compare rates but still have a local neighborhood Chesapeake car insurance agent

Certain consumers would prefer to sit down and talk to an agent and that is not a bad decision A good thing about comparing insurance prices online is that you can obtain lower auto insurance rates and still have an agent to talk to. Buying from neighborhood insurance agencies is still important in Chesapeake.

Insurance agency in ChesapeakeFor easy comparison, once you complete this short form, your insurance data is emailed to companies in Chesapeake who will gladly provide quotes and help you find cheaper coverage. You don't have to contact any agents due to the fact that quote results will go to you instantly. You can most likely find cheaper rates and a licensed agent to talk to. If you want to quote rates from a specific company, you would need to visit that company's website to submit a rate quote request.

If you want a reliable agent, you need to know there are two different types of agents that differ in how they can insure your vehicles. Agencies in Chesapeake are considered either independent or exclusive depending on the company they work for.

Independent Agencies or Brokers

Agents in the independent channel do not write with just one company and that enables them to quote your coverage through many companies and get you the best rates possible. If you are not satisfied with one company, the agent simply finds a different carrier without you having to go to a different agency. When shopping rates, you definitely need to check rates from multiple independent agents so that you have a good selection of quotes to compare. They often place coverage with small mutual carriers that may provide cheaper car insurance rates.

Below are independent insurance agents in Chesapeake that may be able to give price quote information.

More Chesapeake agents

Exclusive Agencies

Exclusive agencies can only provide pricing for a single company and some examples include Allstate, Farmers Insurance or State Farm. Exclusive agents cannot place coverage with different providers so they really need to provide good service. These agents are usually quite knowledgeable on their products and sales techniques which aids in selling service over price. Many people purchase coverage from exclusives primarily because of loyalty to the company rather than having the cheapest rates.

Below are Chesapeake exclusive insurance agencies that are able to give price quotes.

More Chesapeake agents

Picking the best car insurance agent is decision based upon more than just a cheap quote. Some important questions to ask are:

Why you need quality insurance for your Volkswagen vehicle

Even though it's not necessarily cheap to insure a Volkswagen in Chesapeake, maintaining insurance serves several important purposes.

The benefits of carrying enough insurance definitely exceed the price paid, particularly if you ever have a claim. According to a recent study, the average American driver is overpaying over $820 a year so it's recommended you shop around every year to be sure current rates are still competitive.

Quote more to save more

People change insurance companies for a number of reasons such as an unsatisfactory settlement offer, not issuing a premium refund, delays in responding to claim requests or high rates after DUI convictions. Regardless of your reason, switching car insurance companies is less work than it seems.

In this article, we presented quite a bit of information on how to save on Volkswagen Passat insurance in Chesapeake. The key thing to remember is the more providers you compare, the higher your chance of finding affordable Chesapeake car insurance quotes. You may even be surprised to find that the lowest rates are with some of the smallest insurance companies.

Some insurance companies may not provide online quoting and many times these smaller providers work with independent agents. Budget-conscious Volkswagen Passat insurance can be bought online and with local Chesapeake insurance agents, so you should compare both to get a complete price analysis.

Additional car insurance information is available at these links: