Best Car Insurance for Volkswagen Passat SE 2022
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Best insurance for Volkswagen Passat SE
One of the biggest factors determining your auto insurance rates is the model of car you drive. When setting your insurance premiums, providers consider how much it will cost them to replace or repair your vehicle.
Within each make, insurance premiums will vary as well because each model will have a different price, safety rating, and reliability standard—all of which impact your car insurance premiums.
Jerry is the insurance broker app that helps people save money on their car insurance quickly and easily.
Drivers save as much as 28% per year insuring their Volkswagen Passat SE when they switch insurance providers with Jerry.
Want more proof? Here are some real quotes for Volkswagen Passat SE drivers after switching with Jerry.
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How much does it cost to insure a Volkswagen Passat SE
The average annual cost to insure a Volkswagen Passat SE is $3,077, which is $44 higher than the average annual cost to insure Volkswagens. The base cost of your vehicle will make an impact on your insurance rates—in general, a more expensive car will have higher coverage costs.
The price of your premiums also is impacted by what coverage you choose.
No-fault states require you to carry personal injury protection, as well. This coverage kicks in to pay for your party’s medical bills and lost income no matter who caused the accident.
Other states may mandate uninsured motorist coverage which will cover your costs if you are in an accident with an uninsured or underinsured driver.
Most states also require varying amounts of liability insurance, which covers damage to other drivers (bodily injury liability) and their cars (property damage liability) if you are at fault in an accident.
Insurance coverage to consider for a Volkswagen Passat SE
While the mandatory liability coverage will be the cheapest option to insure your Passat SE, it’s a good idea to carry more than the minimum insurance.
Most drivers will opt for full-coverage insurance, which will further protect you and your car if you’re in an accident or your car is damaged by another event.
Full-coverage insurance includes: Collision coverage, which pays for damage to your vehicle that happens as a result of an accident with another vehicle or stationary object Comprehensive coverage, which pays for damages not due to a collision, such as vandalism or severe weather
What determines your car insurance cost for a Volkswagen Passat SE
In addition to the car you drive and the policy you choose, other factors will have a major impact on your monthly premiums. Providers will consider your demographics, as well as features specific to your vehicle when determining your rates.
Here are some factors that may impact your auto insurance premiums.
The cost of insurance for a Volkswagen Passat SE will vary depending on your age. In general, drivers will have higher auto insurance premiums than older drivers because of their lack of driving experience and the higher accident rate for drivers under 25. That said, teenage drivers will see higher insurance rates for a Volkswagen Passat SE than 20-year-old drivers as costs will continue to decrease as drivers gain experience. Here are average costs of insurance for Jerry customers who drive a Volkswagen Passat SE:
The year of your car
Not only does your age impact the rate you pay for your car insurance premiums, but your car’s age also is a factor. Because cars depreciate over time—generally losing 60% of their value in the first five years—the cost of car insurance premiums for a Volkswagen Passat SE will be lower for an older car. These are real quotes Jerry has found for drivers of a Volkswagen Passat SE based on model year:
While all insurance companies will consider similar factors when setting your car insurance premiums, each provider uses its own formula to set your rates. Therefore, you can find drastically different premiums depending on the provider—even for the exact same coverage. It’s smart to compare policies from multiple providers before purchasing insurance so you know you’re always getting the best price for the coverage you need. Here are quotes for Jerry users who drive a Volkswagen Passat SE with different carriers:
Trim levels and vehicle materials
The Volkswagen Passat SE comes in several trim levels—versions of the same car with different features—and opting for a higher trim could mean you’re getting a car with more premium features.
However, those upgrades will come at an extra cost. Not only will the cost of your vehicle be higher, but premium qualities—like a flashy infotainment system, higher horsepower engine, or luxury finishings—will raise your insurance costs, as well. Furthermore, some features—like an upgraded sound system—will require their own insurance policy in case of damage, theft, or vandalism.
If you’re looking to save money on car insurance, it may be a good idea to stick to the base trim for a Volkswagen Passat SE.
How can I save money when insuring my Volkswagen Passat SE
Whether your Volkswagen Passat SE is new or used, odds are you don’t want to spend a fortune on insurance for it. You’re not alone—so Jerry has compiled this handy guide to the best ways to reduce your car insurance rates.
Comparison shopping is the most effective way to find low-cost insurance, but it’s not quite as simple as searching online. You’ll have to submit information about you, your vehicle, your driving history, and more to each carrier and then compare the quotes to ensure you’re not losing out on coverage for the sake of price.
Thankfully, Jerry makes that process quick, easy, and hassle-free! After providing you with a comprehensive cross-analysis of the best policies across providers, Jerry will handle the phone calls, paperwork, and renewals for your top pick so that you don’t have to.
Sign-up takes less than a minute and the average Jerry user saves $897 per year on their car insurance. So why do all that hard work when Jerry can do it better?
Key Takeaway Use Jerry to help you comparison shop for insurance quickly and easily, without the repetition of requesting quotes from different companies.
Skip the extra features
Generally speaking, adding extra features (like an upgraded sound system) to your vehicle tends to increase your insurance rate—especially if you need added coverage to protect them.
So stick to practical optional features, or just skip them entirely.
Invest in anti-theft and safety features
Whether you buy your Passat SE new or used, make sure it’s protected by up-to-date anti-theft and safety features like alarms, advanced airbags, blind-spot assists, and more.
Making your car as safe as possible can result in lower insurance costs because it signals to your carrier that you’re serious about the car’s safety.
Keep a clean record
Your driving record plays an important role in your insurance premium calculation. Accidents can negatively impact your driving record, but so can driving violations. A minor speeding ticket or a serious infraction, like a DUI, can both hurt your record.
These violations raise your risk level—and your insurance costs along with it!
If your risk level is too high, carriers may refuse to insure you. But whether by time or legal methods, infractions will eventually be removed from your record. So stay responsible on the road, not just for safety, but for the sake of your insurance rates.
Look for discounts
Discounts are almost always available for both new and long-term customers. Some discounts reward you for your driving or payment habits, others thank you for your service, your loyalty, or your commitment to safe driving. No matter who you are, there’s bound to be a discount that you qualify for.
Most of your carrier’s discounts should be listed on their website, but be sure to ask an agent.