Best Insurance for a Volkswagen Passat in Las Vegas

It goes without saying that insurance companies don’t want policyholders to compare prices from other companies. Drivers who shop around for cheaper rates are likely to buy a different policy because there is a good chance of finding good coverage at a lower price. A recent survey discovered that people who routinely shopped around saved an average of $3,400 over four years compared to those who never shopped around for better prices.

If saving the most money on insurance in Las Vegas is why you’re reading this, then having an understanding of how to find companies and compare coverage rates can help you succeed in finding affordable rates.

Insurance for Volkswagen PassatThe recommended way to get cheaper Volkswagen Passat insurance is to start comparing rates regularly from companies who provide car insurance in Las Vegas.

Step 1: Take a few minutes and learn about how insurance companies determine prices and the things you can control to prevent expensive coverage. Many risk factors that result in higher rates such as traffic violations and a not-so-good credit score can be controlled by being financially responsible and driving safely. Continue reading for tips to get cheaper coverage and find more discounts that you may not know about.

Step 2: Compare prices from direct, independent, and exclusive agents. Direct companies and exclusive agencies can give quotes from a single company like Progressive and State Farm, while agents who are independent can provide price quotes for a wide range of insurance providers. View companies

Step 3: Compare the new rates to your existing policy and determine if there is any savings. If you can save some money and decide to switch, ensure coverage does not lapse between policies.

An important part of this process is to try to use similar limits and deductibles on each quote and and to get price quotes from every company you can. Doing this enables an accurate price comparison and many rates to choose from.

Locating the best rates in Las Vegas is actually not that difficult if you follow our advice. If you currently have car insurance, you will definitely be able to cut your premiums using the ideas covered in this article. Nevertheless, Nevada consumers can benefit from knowing how insurance companies determine premium rates because it varies considerably.

Cheaper Las Vegas car insurance rates with discounts

Some insurers don’t necessarily list every possible discount very clearly, so the list below details a few of the more common and also the lesser-known discounts that you may qualify for.

A little disclaimer on discounts, some credits don’t apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as comprehensive or collision. So even though you would think you would end up receiving a 100% discount, it’s just not the way it works.

The diagram below shows the difference between Volkswagen Passat premium costs with and without policy discounts. The data assumes a female driver, no claims or driving citations, Nevada state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, homeowner, multi-policy, multi-car, and claim-free discounts applied.

Larger car insurance companies and their possible discounts are outlined below.

If you need inexpensive Las Vegas car insurance quotes, ask every company which discounts can lower your rates. Depending on the company, some discounts may not be offered in Las Vegas.

When looking for low cost Las Vegas car insurance quotes, there are a couple ways to obtain and compare prices from insurance companies in your area. The best method to find affordable insurance rates is to get quotes online.

It’s so simple to compare insurance rates online makes it a waste of time to drive to and from local Las Vegas insurance agencies. The ability to quote Volkswagen Passat insurance online eliminates the middleman unless you’re the type of person who wants the peace of mind that only a licensed agent can provide. You can, however, comparison shop your insurance online but still have the advice of a local agent. Just remember that comparing more quotes increases the chance that you will find a lower rate than you’re paying now.

The companies shown below provide free quotes in Las Vegas, NV. To find the best auto insurance in NV, it’s a good idea that you compare several of them in order to get a fair rate comparison.

Facts and figures for Volkswagen Passat insurance

The premium information displayed below covers a range of policy rates for Volkswagen Passat models. Being more informed about how auto insurance prices are determined can help you make smart choices when purchasing an insurance policy.

Volkswagen Passat Insurance Rates in Las Vegas, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Passat Komfort Station Wagon $142 $292 $276 $16 $82 $808 $67
Passat Komfort 4-Dr Sedan $142 $292 $324 $20 $96 $874 $73
Get Your Own Custom Quote Go

Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Prices do not factor in specific location information which can alter prices noticeably.

Policy deductibles

When buying car insurance, a common question is the level to set your comp and collision deductibles. The following insurance rates can help show how much more rates are of buying low and high physical damage deductibles. The first table uses a $100 deductible and the second rate table uses a $1,000 deductible.

Volkswagen Passat insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Passat Komfort Station Wagon $300 $564 $262 $16 $78 $1,245 $104
Passat Komfort 4-Dr Sedan $300 $564 $308 $18 $92 $1,307 $109
Get Your Own Custom Quote Go

Volkswagen Passat insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Passat Komfort Station Wagon $166 $298 $262 $16 $78 $820 $68
Passat Komfort 4-Dr Sedan $166 $298 $308 $18 $92 $882 $74
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Information does not factor in specific zip code location which can increase or decrease coverage prices greatly.

Based on the figures above, using a $100 deductible costs about $36 more each month or $432 each year than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you go at a minimum 25 months between claims, you would come out ahead if you elect the higher deductible.

Calculate deductible break even point

Average monthly premium for $100 deductibles: $107
Average monthly premium for $1,000 deductibles (subtract): – $71
Monthly savings from raising deductible: $36
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $36
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 25 months

An important sidenote is that raising deductibles to get cheaper rates results in a higher out-of-pocket expense when you have a comprehensive or collision claim. You will want to have enough savings in order to pay more for the deductible.

Car insurance rates are higher with tickets and accidents

The diagram below illustrates how violations and at-fault fender-benders impact Volkswagen Passat annual premium costs for different categories of driver ages. The rate quotes are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.

Full coverage or liability only

The illustration below shows the difference between Volkswagen Passat car insurance rates with and without full coverage. Data assumes no violations or accidents, $500 deductibles, drivers are not married, and no discounts are applied to the premium.

Should you pay for full coverage?

There is no set guideline to delete physical damage coverage, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is more than about 10% of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.

For example, let’s say your Volkswagen Passat replacement cost is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would receive is $3,000 after the deductible is paid. If it’s costing you more than $300 a year for your policy with full coverage, then you may want to consider only buying liability coverage.

There are a few situations where removing full coverage is not a good plan. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should not consider dropping full coverage.

Insurance Rate Influencing Factors

Lots of things are part of the calculation when premium rates are determined. Most are fairly basic like an MVR report, but others are not as apparent like where you live or how safe your car is. Consumers need to have an understanding of some of the factors that help calculate your policy premiums. When you know what positively or negatively positively or negatively impacts your premiums, this empowers consumers to make smart changes that may reward you with better insurance rates.

The factors shown below are a partial list of the pieces that factor into your prices.

Do I need an insurance agency?

Certain consumers still prefer to buy from a local agent and that is a smart decision A nice benefit of price shopping on the web is the fact that you can find the best rates but still work with a licensed agent.

Find insurance agent in Las VegasFor easy comparison, once you complete this form (opens in new window), the quote information is immediately sent to agents in your area that provide free Las Vegas car insurance quotes for your insurance coverage. There is no reason to find an agent because prices are sent immediately to your email address. Get lower rates AND an agent nearby. If you want to get a price quote from a particular provider, you would need to visit that company’s website and submit a quote form there.

Finding the right provider requires more thought than just the bottom line cost. Get answers to these questions too.

Las Vegas car insurance agents are either independent or exclusive

If you want to buy insurance from local Las Vegas agents, it can be helpful to understand the different types of agents and how they are distinctly different. Insurance agents in Las Vegas can be classified as either exclusive or independent (non-exclusive).

Exclusive Insurance Agents

Agents in the exclusive channel generally can only insure with one company such as Allstate, State Farm and Farm Bureau. Exclusive agents are unable to provide prices from multiple companies so they really need to provide good service. Exclusive agents are trained well on their company’s products and that enables them to sell even at higher rates.

Listed below is a short list of exclusive insurance agencies in Las Vegas who may provide you with price quotes.

1350 E Flamingo Rd #14Las Vegas, NV 89119(702) 836-0953View Map

LaDonna Koeller – State Farm Insurance Agent
4275 N Rancho Dr #155Las Vegas, NV 89130(702) 636-9447View Map

4676 W Charleston BlvdLas Vegas, NV 89102(702) 462-9100View Map

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Independent Agents

Independent agencies often have many company appointments and that allows them to write policies with many different companies depending on which coverage is best. If your premiums go up, they can switch companies in-house and you stay with the same agent.

When comparing rate quotes, you definitely need to get several quotes from multiple independent agents so that you can do a thorough price comparison.

Below are independent agents in Las Vegas who can help you get comparison quotes.

7150 N Durango Dr #130Las Vegas, NV 89149(702) 880-9000View Map

6190 W Charleston BlvdLas Vegas, NV 89146(702) 685-3888View Map

9440 W Sahara Ave #210Las Vegas, NV 89117(702) 873-4889View Map

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If you get acceptable answers to all your questions and locked in a price quote, you may have found an insurance agency that is professional and can insure your vehicles.

Auto insurance protects more than just your car

Even though Las Vegas Passat insurance rates can get expensive, buying auto insurance may not be optional for several reasons.

The benefits of having auto insurance greatly outweigh the cost, especially if you ever need it. According to a recent study, the average American driver is overpaying over $700 annually so shop around once a year at a minimum to ensure rates are competitive.

Find affordable rates by being thorough

Throughout this article, we presented quite a bit of information on how to reduce Volkswagen Passat insurance prices online in Las Vegas. The key concept to understand is the more times you quote, the better likelihood of getting the cheapest Volkswagen Passat rate quotes. Drivers may even discover the best prices are with the least-expected company. Smaller companies can often provide lower rates in certain areas than their larger competitors like Allstate and Progressive.

When you buy Las Vegas car insurance online, never skimp on critical coverages to save a buck or two. Too many times, an accident victim reduced collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to find the BEST coverage at an affordable rate.

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