It takes a little time, but the best way to save money on car insurance rates is to regularly compare quotes from different companies in Scottsdale.
- Try to learn about how your policy works and the steps you can take to drop your rates. Many risk factors that result in higher prices like speeding tickets, accidents and a bad credit rating can be rectified by making minor changes in your lifestyle. This article gives more details to prevent high prices and get discounts that may be available to you.
- Get rate quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can give quotes from a single company like Progressive and State Farm, while independent agencies can give you price quotes from multiple insurance companies. Find a Scottsdale insurance agent
- Compare the quotes to the price on your current policy to see if a cheaper price is available in Scottsdale. If you find a lower rate, make sure coverage does not lapse between policies.
- Give notification to your current company of your intention to cancel your current policy and submit the signed application along with the required initial payment for your new coverage. Be sure to keep your new proof of insurance paperwork in your glove compartment.
A key point to remember is to try to use the same liability limits and deductibles on every quote request and and to compare as many auto insurance providers as possible. This provides the most accurate price comparison and a complete rate analysis.
We don’t have to point out that fact that car insurance companies don’t want customers comparing rates. Consumers who shop rates annually are highly likely to move their business because the odds are good of finding lower prices. A study discovered that consumers who routinely shopped for cheaper coverage saved as much as $72 a month compared to those who don’t regularly compare prices.
If finding the lowest price on Volkswagen Passat insurance in Scottsdale is your ultimate goal, then having an understanding of how to get price quotes and compare coverages can help you succeed in finding affordable rates.
If you have a current car insurance policy or are just looking to switch companies, use these money-saving tips to find the best rates without sacrificing coverage. Locating the best insurance company for you in Scottsdale is actually not that difficult if you follow our advice. Comparison shoppers only need an understanding of the most effective way to shop their coverage around on the web.
Premium rates and analysis
The coverage information shown below showcases a range of insurance policy prices for Volkswagen Passat models. Knowing how insurance policy premiums are formulated helps drivers make smart choices when purchasing an insurance policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Passat Komfort Station Wagon||$332||$548||$334||$20||$100||$1,334||$111|
|Passat Komfort 4-Dr Sedan||$332||$548||$392||$24||$118||$1,414||$118|
|Get Your Own Custom Quote Go|
Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Price information does not factor in specific garaging location which can impact premium rates considerably.
Volkswagen Passat insurance costs by gender and age in Scottsdale
The example below shows the difference between Volkswagen Passat auto insurance costs for male and female drivers. The prices are based on no claims or violations, full physical damage coverage, $100 deductibles, drivers are not married, and no discounts are applied.
Do you need full coverage?
The chart below compares Volkswagen Passat insurance prices with full coverage and liability only. The price estimates are based on no accidents, no driving violations, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.
Should you pay for full coverage?
There is no specific rule to delete full coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision 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 claim settlement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $3,000 after paying the physical damage deductible. If premiums are more than $300 annually to have full coverage, then it’s probably a good time to buy liability coverage only.
There are some circumstances where buying only liability insurance is not financially feasible. If you still owe a portion of the original loan, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not buy liability only.
Arizona car insurance company ratings
Selecting the best car insurance company is difficult considering how many companies sell insurance in Arizona. The information in the lists below may help you select which car insurance companies to look at shopping your coverage with.
Top 10 Scottsdale Car Insurance Companies Ranked by Claims Service
- State Farm
- AAA Insurance
- Liberty Mutual
- Titan Insurance
- The Hartford
- Mercury Insurance
What insurance coverages do you need?
Learning about specific coverages of your insurance policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement.
Comprehensive coverages – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things like a broken windshield, damage from flooding, hail damage, theft and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Liability auto insurance – Liability coverage provides protection from damages or injuries you inflict on people or other property. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 15/30/10 that translate to $15,000 bodily injury coverage, $30,000 for the entire accident, and $10,000 of coverage for damaged property. Some companies may use a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.
Liability coverage protects against claims such as loss of income, funeral expenses and bail bonds. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible. Arizona state law requires minimum liability limits of 15/30/10 but drivers should carry more liability than the minimum.
The illustration below demonstrates why buying minimum limits may not be adequate.
Coverage for medical payments – Med pay and PIP coverage pay for expenses for ambulance fees, nursing services and funeral costs. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage
Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as damage to your Volkswagen Passat.
Because many people have only the minimum liability required by law (15/30/10), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits do not exceed the liability coverage limits.
Collision – Collision insurance covers damage to your Passat caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for claims such as damaging your car on a curb, crashing into a ditch, hitting a parking meter and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also raise the deductible on your Passat to get cheaper collision coverage.
Lower rates by being persistent
We just showed you many ideas to find affordable Volkswagen Passat insurance in Scottsdale. The most important thing to understand is the more companies you get prices for, the higher your chance of finding affordable Volkswagen Passat insurance quotes. You may even find the lowest premium rates come from a smaller regional carrier.
Drivers change insurance companies for many reasons like high prices, policy non-renewal, being labeled a high risk driver and high rates after DUI convictions. It doesn’t matter what your reason, finding a new company is not as hard as you think.
Cheap Volkswagen Passat insurance in Scottsdale is attainable from both online companies in addition to many Scottsdale insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. A few companies do not provide rate quotes online and these regional carriers sell through independent insurance agencies.
More tips and info about auto insurance can be read in the articles below:
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- How Much are Auto Insurance Quotes for Used Cars in Scottsdale? (FAQ)
- What Insurance is Cheapest for a Toyota Corolla in Scottsdale? (FAQ)
- How Much are Scottsdale Car Insurance Quotes for a Ford Escape? (FAQ)
- How Much is Auto Insurance for Real Estate Agents in Scottsdale? (FAQ)
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- Vehicle Insurance in the U.S. (Wikipedia)
- What is Covered by GAP Insurance? (Allstate)