Really, the only way to find affordable Volkswagen Passat insurance is to compare prices at least once a year from different companies who provide auto insurance in Toledo. Price quotes can be compared by completing these steps.
Step 1: Spend some time learning about car insurance and the measures you can control to prevent rate increases. Many things that increase rates such as your driving record and a not-so-good credit history can be rectified by making small lifestyle or driving habit changes.
Step 2: Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from one company like Progressive or Farmers Insurance, while independent agencies can quote prices from multiple companies.
Step 3: Compare the new rate quotes to your existing rates to see if a cheaper rate is available. If you can save money and make a switch, make sure there is no lapse in coverage.
Step 4: Provide notification to your current company of your intention to cancel your current coverage. Submit a down payment and signed policy application to the newly selected company. Once coverage is bound, put the new certificate of insurance above your visor, in the console, or in the glove compartment.
A good tip to remember is to compare the same level of coverage on every quote and and to analyze as many car insurance companies as possible. Doing this helps ensure a level playing field and a thorough price selection.
It’s a known fact that auto insurance companies don’t want you comparing rates. Consumers who shop around annually are likely to move their business because there is a great chance of finding a more affordable policy premium. A recent auto insurance study discovered that drivers who compared rate quotes regularly saved over $850 each year as compared to drivers who never compared rates.
If finding the most affordable Volkswagen Passat insurance in Toledo is why you’re reading this, understanding how to choose a company and compare insurance premiums can make it simple to find affordable coverage.
These discounts can lower your car insurance rates
Some insurers do not advertise every available discount in a way that’s easy to find, so we researched both well-publicized and also the lesser-known savings tricks you should be using when you buy Toledo car insurance online.
- Savings for New Vehicles – Adding a new car to your policy can save up to 30% because new vehicles have to meet stringent safety requirements.
- Cautious Driver Discounts – Insureds without accidents can save as much as half off their rates compared to accident prone drivers.
- Telematics Data – Drivers who elect to allow their company to analyze when and where they use their vehicle remotely such as Snapshot from Progressive or Drivewise from Allstate may see discounts if they have good driving habits.
- Defensive Driver Discount – Taking a defensive driving course could earn you a small percentage discount depending on where you live.
- Discount for Swiching Early – Some companies give discounts for buying a new policy early. It’s a savings of about 10%.
- Smart Student Discounts – This discount can get you a discount of up to 25%. The good student discount can last well after school through age 25.
- Distant College Student Discount – Any of your kids who live away from home at college without a vehicle on campus may be able to be covered for less.
- Toledo Homeowners Discount – Just being a homeowner can save a few bucks due to the fact that maintaining a home requires a higher level of personal finance.
- Active Military Service – Being on active deployment in the military could qualify you for better rates.
It’s important to note that most discount credits are not given to the whole policy. Some only reduce specific coverage prices like physical damage coverage or medical payments. So even though it sounds like all the discounts add up to a free policy, companies wouldn’t make money that way.
The example below illustrates the difference between Volkswagen Passat insurance costs with and without policy discounts. The costs are based on a male driver, no claims or violations, Ohio state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, safe-driver, marriage, multi-car, and multi-policy discounts applied.
To see insurers that offer some of these discounts in Toledo, click here to view.
Most of the larger companies make it easy to get prices on the web. Getting online quotes for Volkswagen Passat insurance in Toledo doesn’t take a lot of time as you just type in your coverage information into the form. When complete, the company’s rating system makes automated requests for your driving and credit reports and gives you a price quote based on these and other factors.
Quoting online for Volkswagen Passat insurance in Toledo makes it simple to compare prices and it’s also necessary to get many rate quotes in order to find affordable car insurance pricing.
To find out what other companies charge, visit the companies below or click here to submit a quote request to multiple companies at once. If you have a policy now, it’s recommended you complete the form with deductibles and limits exactly as they are listed on your policy. Using the same limits helps guarantee you will have a fair comparison based on identical coverages.
The following companies can provide comparison quotes in Toledo, OH. In order to find the best cheap auto insurance in OH, we recommend you compare several of them to find the most competitive car insurance rates.
Rates and statistics
The table shown next covers estimates of insurance policy prices for Volkswagen Passat models. Having insight into how insurance premiums are calculated can help guide drivers when making decisions on which coverage to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Passat Komfort Station Wagon | $220 | $416 | $192 | $12 | $58 | $898 | $75 |
| Passat Komfort 4-Dr Sedan | $220 | $416 | $226 | $14 | $68 | $944 | $79 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Information does not factor in specific location information which can affect insurance rates considerably.
Deductible comparison
When shopping for auto insurance, a common question is where to set your physical damage deductibles. The comparisons below may aid in understanding the cost difference when you select higher and lower deductibles. The first set of rates uses a $100 deductible for comp and collision and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Passat Komfort Station Wagon | $220 | $416 | $192 | $12 | $58 | $923 | $77 |
| Passat Komfort 4-Dr Sedan | $220 | $416 | $226 | $14 | $68 | $969 | $81 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Passat Komfort Station Wagon | $122 | $220 | $192 | $12 | $58 | $604 | $50 |
| Passat Komfort 4-Dr Sedan | $122 | $220 | $226 | $14 | $68 | $650 | $54 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Estimates do not factor in Toledo location which can decrease or increase premium rates considerably.
Based on these figures, using a $100 deductible costs about $27 more each month or $324 for a full year averaged for all Passat models than buying the higher $1,000 deductible. Since the policyholder would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you have at least 33 months between claims, you would probably come out ahead going with the higher deductible.
Cost comparison with and without full coverage
The information below illustrates the difference between Volkswagen Passat insurance costs with full coverage and liability only. The rates are based on no claims or driving citations, $100 deductibles, drivers are not married, and no discounts are factored in.
When to stop buying physical damage coverage
There isn’t a written rule to stop buying physical damage coverage on your policy, but there is a broad guideline. If the annual cost of having full coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s pretend your Volkswagen Passat settlement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would receive is $4,000 after paying your policy deductible. If you are currently paying more than $400 annually for full coverage, then it might be time to consider dropping full coverage.
There are some circumstances where buying only liability insurance is not recommended. If you have an outstanding loan on your vehicle, you have to maintain full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should keep full coverage on your policy.
You may need specialized car insurance coverage
When quoting and choosing adequate coverage for your vehicles, there really isn’t a “best” method to buy coverage. Every situation is different so your insurance should reflect that
These are some specific questions may help you determine if you would benefit from professional advice.
- Am I covered if I drive in a foreign country?
- How many claims can I have before being canceled?
- What is the minimum liability in Ohio?
- Should I buy full coverage?
- What companies insure drivers after a DUI or DWI?
- Is my son or daughter covered when driving my car?
- Am I getting all the discounts available?
- How high should my medical payments coverage be?
If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.
Compare prices but still have a local Toledo insurance agency
Some people still prefer to visit with an insurance agent and that can be a smart move An additional benefit of getting free rate quotes online is you may find cheap rate quotes and also buy local.
For easy comparison, once you complete this short form, your information is instantly submitted to agents in your area that can provide free Toledo car insurance quotes for your business. It makes it easy because there is no need to contact an agency because prices are sent directly to you. You can find the lowest rates and work with a local agent. If for some reason you want to get a comparison quote from a specific insurance provider, don’t hesitate to jump over to their website and give them your coverage information.
Selecting an insurance company requires you to look at more than just the quoted price. The questions below may impact your decision as well.
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Can you contact them at any time?
- Is there a Errors and Omissions policy in force?
- Which company do they place the most coverage with?
- Can glass claims be handled at your home?
- Are they able to provide referrals?
Not all car insurance agents are the same
When searching for a reputable agency, there are two different types of agents that you can choose from. Agencies in Toledo may be either independent or exclusive depending on the company they work for.
Exclusive Agencies
Agents that choose to be exclusive can only quote rates from one company like State Farm, Allstate, and Farm Bureau. They generally cannot give you multiple price quotes so they really need to provide good service. They are well schooled on the products they sell which helps them compete with independent agents. Some insured continue to use the same exclusive agent mainly due to the prominent brand name rather than low price.
Shown below are Toledo exclusive agents who can help you get price quotes.
- Marty Vugrinac – State Farm Insurance Agent
1022 S Reynolds Rd – Toledo, OH 43615 – (419) 389-0533 – View Map - Allstate Insurance: Jennifer Soda Zielinski
2509 W Sylvania Ave Ste 12 – Toledo, OH 43613 – (419) 472-9690 – View Map - Eric Price – State Farm Insurance Agent
2600 N Reynolds Rd #104b – Toledo, OH 43615 – (419) 536-6030 – View Map
Independent Agents
Independent agents often have many company appointments and that gives them the ability to insure through many different insurance companies depending on which coverage is best. If you are not satisfied with one company, they simply move the coverage in-house without you having to go to a different agency.
When comparing rates, you should always get several quotes from at least one independent agent to maximize your price options. Many write coverage with less well-known companies who may have lower rates.
The following are Toledo independent insurance agencies that are able to give price quote information.
- Westgate Insurance
3450 Central Ave #344 – Toledo, OH 43606 – (419) 536-2213 – View Map - American Casualty Insurance
6060 Renaissance Pl i – Toledo, OH 43623 – (419) 885-3571 – View Map - Detlef Insurance
833 Woodville Rd – Toledo, OH 43605 – (419) 693-7458 – View Map
Once you have received answers to your satisfaction to your questions as well as an affordable premium quote, most likely you have located a car insurance agent that can provide insurance coverage. Keep in mind you have the power to cancel your policy at any time so never feel you’re contractually obligated to your new company for any length of time.
More effort can pay off
You just learned a lot of tips how to save on Volkswagen Passat insurance in Toledo. It’s most important to understand that the more rate quotes you have, the better your comparison will be. Consumers could even find that the best prices are with the smaller companies. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as Progressive or GEICO.
When getting Toledo car insurance quotes online, it’s very important that you do not sacrifice coverage to reduce premiums. There are too many instances where an accident victim reduced comprehensive coverage or liability limits and discovered at claim time that the few dollars in savings costed them thousands. Your aim should be to buy enough coverage at an affordable rate, but do not sacrifice coverage to save money.
Much more information about auto insurance in Ohio can be read at these links:
- Distracted Driving (Insurance Information Institute)
- Who Has Cheap Auto Insurance for 19 Year Olds in Toledo? (FAQ)
- How Much is Toledo Auto Insurance for 18 Year Olds? (FAQ)
- Who Has Affordable Car Insurance Quotes for a Toyota Corolla in Toledo? (FAQ)
- How Much are Toledo Auto Insurance Quotes for a 20 Year Old Female? (FAQ)
- Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Young Drivers: The High Risk Years Video (iihs.org)
- Collision Coverage (Liberty Mutual)