Save Money on Volkswagen Passat Insurance in Baltimore

Volkswagen Passat insurance image courtesy of QuoteInspector.com

We don't have to point out that fact that insurance companies don't want you comparing rates. Insureds who shop around for the cheapest price are likely to buy a new policy because there is a great chance of finding a lower-cost company. A recent study showed that people who made a habit of comparing rates saved on average $3,400 over four years as compared to drivers who never shopped around for cheaper prices.

If finding discount rates on insurance is why you're here, then having a grasp of how to find and compare auto insurance can help make the process easier.

If saving money is your primary concern, then the best way to get the cheapest Volkswagen Passat insurance is to begin comparing prices regularly from insurance carriers in Baltimore. Rate comparisons can be done by following these guidelines.

• Step 1: Learn about how companies set rates and the things you can change to prevent expensive coverage. Many rating factors that result in higher rates like speeding tickets, accidents and a not-so-good credit rating can be amended by improving your driving habits or financial responsibility. Continue reading for instructions to get low prices and find discounts that you may qualify for.
• Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can give quotes from one company like GEICO or Farmers Insurance, while independent agencies can provide rate quotes from multiple insurance companies. View companies
• Step 3: Compare the new rate quotes to your existing policy and determine if there is any savings. If you find better rates and change companies, ensure coverage does not lapse between policies.

The most important part of shopping around is to use the same coverage limits and deductibles on each price quote and and to get quotes from every insurance company. Doing this ensures a fair rate comparison and the best rate selection.

Companies offering cheap Volkswagen Passat rates in Baltimore, MD

The companies shown below can provide price quotes in Baltimore, MD. To locate the best car insurance in Baltimore, we suggest you click on several of them to get the most competitive price.

Volkswagen Passat insurance analysis

The data table shown next showcases different insurance policy prices for Volkswagen Passat models. Learning how auto insurance prices are determined is important for making informed decisions.

Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Maryland minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Information does not factor in the specific area where the vehicle is garaged which can change price quotes significantly.

Policy deductible comparison

When shopping for insurance, a common question is at what level do you set your deductibles. The premium rates below help summarize the rate difference when you select higher and lower comp and collision deductibles. The first data set uses a $250 physical damage coverage deductible and the second price table uses a $500 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Maryland minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Rate information does not factor in specific zip code location which can revise auto insurance rates greatly.

Based on this data, using a $250 deductible costs roughly $18 more each month or $216 each year than buying the higher $500 deductible. Due to the fact that you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to go at least 14 months between claim filings, you would save money if you opt for a higher deductible.

Age, gender, and Volkswagen Passat insurance

The information below shows the comparison of Volkswagen Passat insurance rates for male and female drivers. The premiums assume no tickets, no at-fault accidents, comp and collision included, $250 deductibles, single marital status, and no discounts are applied to the premium.

The Volkswagen Passat Insurance Price Equation

Consumers need to have an understanding of some of the things that come into play when calculating the level of your policy premiums. If you have a feel for what influences your rates, this allows you to make educated decisions that may result in better insurance rates. Many different elements are used in the calculation when pricing auto insurance. A few of the factors are predictable such as traffic violations, although some other factors are not as apparent such as your credit history or your commute time.

Insurance costs are higher for high performance vehicles - The performance of the car, truck or SUV you need to insure makes a huge difference in your car insurance bill. The lowest premiums will normally be found when insuring lower cost passenger cars, but that's not the only thing that factors into the final price.

The chart below uses these variables: married female driver age 30, full coverage with $250 deductibles, and no discounts or violations. It compares Volkswagen Passat car insurance rates compared to other models of vehicles that have different risk factors.

Prevent your car from being stolen - Buying a car with a theft deterrent system can get you a discount on your insurance. Systems that thwart thieves like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all help prevent auto theft.

Single drivers take more risk - Having a significant other can actually save you money when shopping for insurance. Marriage is viewed as being more mature than a single person it has been statistically shown that being married results in fewer claims.

Don't skimp on liability - Your insurance policy's liability coverage is the coverage that protects you in the event that you are found to be at fault for damages caused by your negligence. It will provide for a legal defense which can cost thousands of dollars. This coverage is very inexpensive compared to comp and collision, so drivers should buy more than the minimum limits required by law.

Know your vehicle's safety rating - Vehicles with good safety scores cost less to insure. Highly rated vehicles result in less severe injuries and lower rates of occupant injuries translates directly to fewer claims and more competitive rates for policyholders.

Rates impacted by vehicle usage - The more you drive every year the higher your rates will be. The majority of insurers calculate rates based upon how you use the vehicle. Cars and trucks used primarily for pleasure use can get a lower rate as compared to vehicles used primarily for driving to work. An incorrectly rated Passat may be costing you higher rates. It's a smart idea to ensure your insurance policy reflects the proper vehicle usage.

Volkswagen Passat insurance loss statistics - Companies take into consideration insurance loss statistics for every vehicle when determining insurance rates. Models that historically have higher claim frequency or loss amount will have a higher cost to insure.

The data below shows the collected loss data for Volkswagen Passat vehicles. For each policy coverage type, the loss probability for all vehicles, regardless of manufacturer or model, equals 100. Numbers that are below 100 represent a good loss history, while values that are above 100 point to more losses or an increased chance of a larger loss.

Baltimore insurance discounts for a Volkswagen Passat

Insurance can cost an arm and a leg, but there may be some discounts to cut the cost considerably. Many of these discounts will be applied automatically at the time you complete a quote, but less common discounts must be asked about before you will receive the discount.

• Senior Discount - Seniors can possibly qualify for a slight reduction on a Baltimore car insurance quote.
• Defensive Driving Course - Taking part in a class that teaches defensive driver techniques may get you a small discount and easily pay for the cost of the class.
• Drive Safe and Save - Safe drivers may save up to 50% more than less cautious drivers.
• Air Bag Discount - Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
• Discount for Home Ownership - Owning your own home or condo can earn you a little savings since owning and maintaining a home means you have a higher level of financial diligence.
• Early Payment Discounts - If paying your policy premium upfront rather than spreading payments over time you can avoid monthly service charges.
• Early Renewal Discounts - Some companies provide a discount for switching companies before your current expiration date. You can save around 10% with this discount.
• Accident Forgiveness Coverage - Not a discount per se, but companies like GEICO, State Farm, and Progressive will turn a blind eye to one accident before they charge you more for coverage as long as you don't have any claims for a particular time prior to the accident.
• Low Mileage - Keeping the miles down on your Volkswagen can earn lower rates on the low mileage vehicles.
• Theft Prevention Discount - Vehicles that have factory anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your Baltimore car insurance quote.

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like comp or med pay. Even though it appears it's possible to get free car insurance, nobody gets a free ride.

The information below shows the comparison of Volkswagen Passat insurance premiums with and without policy discounts. The premiums are based on a female driver, no claims or driving citations, Maryland state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, homeowner, multi-policy, safe-driver, and claim-free discounts applied.

To see a list of providers that offer discounts in Baltimore, follow this link.

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

Many people still like to buy from a licensed agent and we recommend doing that Good agents are very good at helping people manage risk and will help you if you have claims. One of the benefits of comparing rate quotes online is the fact that drivers can get cheap car insurance quotes and still have a local agent. And supporting local agencies is important especially in Baltimore.

To make it easy to find an agent, after completing this quick form, your coverage information gets sent to insurance agents in Baltimore who can give free rate quotes and help you find cheaper coverage. You don't have to contact any insurance agencies due to the fact that quote results will go to you directly. In the event you want to get a comparison quote from a specific insurance company, feel free to navigate to their website and complete a quote there.

If you prefer to buy car insurance from local Baltimore agents, there are two types of agencies and how they are slightly different. Insurance agencies in Baltimore are either independent (non-exclusive) or exclusive. Both types of agents can write car insurance policies, but it is a good idea to know the difference in the companies they write for because it may have an impact on your agent selection.

Independent Insurance Agents

Independent agents do not have single company limitations and that gives them the ability to insure with an assortment of companies and help determine which has the cheapest rates. If premiums increase, they simply move your policy to a different company which makes it simple for you.

If you are trying to find cheaper rates, you definitely need to include rate quotes from at least one independent agent to maximize your price options. Many write coverage with smaller mutual companies which can be an advantage.

Featured below are independent agents in Baltimore that may be able to give competitive price quotes.

• Senate Select Insurance
  5417 Reisterstown Rd - Baltimore, MD 21215 - (410) 358-0411 - View Map
• Ugele Insurance
  408 E 25th St - Baltimore, MD 21218 - (410) 366-6566 - View Map
• Nationwide Insurance: Frank Dippel Agency Inc
  6600 York Rd Ste 207 - Baltimore, MD 21212 - (410) 435-4354 - View Map

View more Baltimore agents

Exclusive Agents

Exclusive agents can only place business with one company and some examples include AAA, Allstate, and State Farm. These agents are unable to give you multiple price quotes so you might not find the best rates. Exclusive agents are usually well trained on sales techniques which helps them sell on service rather than price. Consumers frequently choose to use an exclusive agent primarily because of the prominent brand name and the convenience of having a single billing for all their coverages.

Listed below is a short list of exclusive agencies in Baltimore that can give you comparison quotes.

• Raul Braun - State Farm Insurance Agent
  8609 Old Harford Rd - Baltimore, MD 21234 - (410) 663-3100 - View Map
• Scott Garvey - State Farm Insurance Agent
  211 Key Hwy - Baltimore, MD 21230 - (667) 309-3792 - View Map
• Paul Funk - State Farm Insurance Agent
  307 Frederick Rd - Baltimore, MD 21228 - (410) 744-0077 - View Map

View more Baltimore agents

Choosing an car insurance agent should include more criteria than just a low price. Here are some questions to ask:

• Can you contact them at any time?
• Is every driver in your family covered?
• How much experience to they have in personal lines coverages?
• Do they feel the quoted coverages are adequate?
• Did they already check your driving record and credit reports?
• In the event of vehicle damage, can you pick the collision repair facility?
• Do they have 24-hour customer assistance?
• How many companies do they write for?

What is the best auto insurance company in Maryland?

Picking a high-quality auto insurance provider is hard considering how many companies are available to choose from in Maryland. The company ratings below could help you pick which insurers you want to consider shopping your coverage with.

Persistence is the key to affordable rates

When shopping online for insurance, do not buy lower coverage limits just to save a few bucks. There are a lot of situations where an accident victim reduced collision coverage and learned later they didn't have enough coverage. The aim is to buy the best coverage you can find at the best price.

Affordable Volkswagen Passat insurance in Baltimore can be sourced on the web and from local agencies, and you should compare rates from both to get a complete price analysis. A few companies don't offer rates over the internet and these smaller companies prefer to sell through independent agents.

Drivers leave their current company for any number of reasons including denial of a claim, policy cancellation, questionable increases in premium and even delays in responding to claim requests. No matter why you want to switch, finding a new company is pretty simple and you could end up saving a buck or two.

More detailed insurance information is located in the articles below:

• Drunk Driving Statistics (Insurance Information Institute)
• Who Has Cheap Auto Insurance for Good Students in Baltimore? (FAQ)
• Who Has Cheap Baltimore Auto Insurance Quotes for Inexperienced Drivers? (FAQ)
• Who Has Cheap Baltimore Car Insurance for Drivers with a Bad Driving Record? (FAQ)
• Property Damage Coverage (Liberty Mutual)
• Winter Driving (Insurance Information Institute)