Cheap Insurance for a Volkswagen Passat in Columbus

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Insurance quote for Volkswagen Passat in ColumbusIf your goal is the lowest price, then the best way to get the cheapest Volkswagen Passat insurance in Columbus is to compare prices at least once a year from different companies that insure vehicles in Ohio. Rate comparisons can be done by following these steps.

First, take a little time to learn about coverages and the things you can change to prevent expensive coverage. Many things that result in higher rates such as traffic violations, accidents, and a negative credit rating can be amended by making lifestyle changes or driving safer. Keep reading for the details to get lower rates and earn larger discounts.

Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give rate quotes from a single company like GEICO or Farmers Insurance, while independent agents can give you price quotes from multiple insurance companies. View rates

Third, compare the quotes to your existing coverage and determine if there is any savings. If you find a lower rate and make a switch, make sure there is no lapse in coverage.

Fourth, give notification to your current company to cancel your existing policy and submit the application along with any required down payment for your new coverage. Immediately upon receiving it, keep your new proof of insurance certificate along with your vehicle registration.

The key thing to remember is that you use the same physical damage deductibles and liability limits on every quote and and to get rates from as many different insurance providers as possible. Doing this enables a level playing field and many rates to choose from.

Surprisingly, a recent survey revealed that the vast majority of consumers kept their policy with the same company for at least four years, and about 40% of consumers have never quoted rates to find cheap coverage. Ohio insurance shoppers can save $700 each year just by getting comparison quotes, but they assume it's a waste of time to compare rates.

Companies offering competitive Volkswagen Passat price quotes in Columbus, OH

The companies in the list below are our best choices to provide price comparisons in Columbus, OH. If the list has multiple companies, we suggest you click on several of them in order to find the lowest rates.

Rates and information analytics

The rate information shown below showcases detailed analysis of insurance costs for Volkswagen Passat models. Being able to understand how policy rates are figured can be useful when making informed purchases.

Volkswagen Passat Insurance Rates in Columbus, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Passat Komfort Station Wagon $96 $186 $186 $10 $56 $534 $45
Passat Komfort 4-Dr Sedan $96 $186 $218 $12 $66 $578 $48
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Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Price estimates do not factor in vehicle garaging location which can decrease or increase premiums considerably.

The example below illustrates how choosing a deductible and can increase or decrease Volkswagen Passat premium costs for each different age category. The costs are based on a married male driver, comp and collision included, and no discounts are taken into consideration.

Men versus women drivers and insurance cost

The illustration below illustrates the comparison of Volkswagen Passat car insurance rates for male and female drivers. The data is based on a clean driving record, no at-fault accidents, full coverage, $100 deductibles, marital status is single, and no discounts are taken into consideration.

Cheaper rates by taking advantage of discounts

Not many people think insurance is cheap, but there could be available discounts to cut the cost considerably. A few discounts will be applied when you purchase, but occasionally some discounts must be specially asked for before they will apply.

  • Discount for Life Insurance - Some companies give a discount if you purchase some life insurance too.
  • Discounts for New Vehicles - Adding a new car to your policy can save you some money compared to insuring an older model.
  • Bundle and Save - If you can combine your auto and home policy and insure them both with the same insurance company you may save up to 20% and get you low cost Volkswagen Passat insurance.
  • Pay Upfront and Save - If paying your policy premium upfront as opposed to paying monthly you may have a lower total premium amount.
  • Multi-car Discount - Drivers who insure several vehicles with the same insurance company can get a discount for every vehicle.

Don't be shocked that most discount credits are not given to all coverage premiums. Most only apply to individual premiums such as physical damage coverage or medical payments. So even though you would think all the discounts add up to a free policy, companies don't profit that way. Any qualifying discounts should definitely cut the cost of coverage.

The example below compares Volkswagen Passat insurance costs with and without discounts applied to the policy rates. The data assumes a male driver, no driving violations, no at-fault accidents, Ohio state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, marriage, multi-car, homeowner, and claim-free discounts applied.

Auto insurance companies who may offer most of these discounts may include but are not limited to:

If you want affordable Columbus auto insurance quotes, ask each company or agent which discounts you may be entitled to. Savings might not apply in your state. To choose insurance companies who offer insurance discounts in Ohio, click this link.

Get rate quotes but work with a local neighborhood Columbus car insurance agent

Certain consumers still like to buy from a licensed agent and that is OK! A nice benefit of getting online price quotes is you can get the lowest rates but still work with a licensed agent. And buying from small agencies is important especially in Columbus.

Insurance agency in ColumbusUpon completion of this quick form, your insurance data gets sent to companies in Columbus that can provide free Columbus auto insurance quotes for your coverage. It simplifies rate comparisons since you won't have to drive around since rate quotes are delivered immediately to you. You can find the lowest rates AND a local agent. If you have a need to get a comparison quote from a specific insurance company, you just need to go to their quote page to submit a rate quote request.

If you are searching for local Columbus agents, there are a couple of different types of agents and how they function. Insurance agencies in Columbus are either exclusive or independent agents depending on their company appointments.

Independent Agencies or Brokers

Agents that elect to be independent can sell policies from many different companies so they can write business with multiple insurance companies and potentially find a lower price. If they quote lower rates, the agent simply finds a different carrier and you won't have to switch agencies. If you are comparing rate quotes, we recommend you get some free quotes from a few independent agents for the best price selection. Many write coverage with companies that do not advertise much which could offer lower prices.

Listed below are Columbus independent agencies who can help you get free price quotes.

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Exclusive Agents

Exclusive agencies normally can only provide a single company's rates such as AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents cannot shop your coverage around so keep that in mind. Exclusive agents receive extensive training in insurance sales which helps offset the inability to provide other markets. Consumers sometimes buy insurance from these agents mainly due to the brand legacy rather than having low rates.

Below are exclusive insurance agencies in Columbus that can give you price quotes.

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Picking an insurance agent is decision based upon more than just the bottom line cost. Any agent in Columbus should be forthright in answering these questions:

  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Do the coverages you're quoting properly cover your vehicle?
  • Do they review policy coverages at every renewal?
  • How would your car be valued if totaled?
  • Which companies do they recommend if they are an independent agency?

Final considerations

We just covered some good ideas how to find affordable Volkswagen Passat insurance in Columbus. It's most important to understand that the more rate comparisons you have, the better chance you'll have of finding low cost Columbus auto insurance quotes. You may even find the lowest priced car insurance comes from the smaller companies.

People leave their current company for a number of reasons such as high prices, policy non-renewal, delays in responding to claim requests or not issuing a premium refund. It doesn't matter why you want to switch finding a new company can be pretty painless.

Low-cost Volkswagen Passat insurance in Columbus can be purchased both online and from local agencies, and you need to price shop both in order to have the best price selection to choose from. Some companies may not offer the ability to get a quote online and these smaller providers provide coverage only through local independent agents.

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