Affordable Quotes for Volkswagen Passat Insurance in Oakland

The preferred way to find better pricing on auto insurance rates is to do an annual price comparison from insurance carriers in Oakland. Price quotes can be compared by following these steps.

The most important part of shopping around is to make sure you enter the same deductibles and limits on each price quote and and to get quotes from as many companies as possible. Doing this provides a level playing field and a thorough price selection.

Insurance for Volkswagen PassatSadly, the vast majority of drivers have purchased from the same company for more than four years, and just short of a majority have never even shopped around for lower-cost coverage. With the average premium in the United States being $1,847, drivers could save approximately $860 a year just by shopping around, but they just don’t understand how much they could save if they swap their current policy for a cheaper one.

Most larger insurance companies give prices for coverage from their websites. Getting quotes for Volkswagen Passat insurance in Oakland is pretty painless because you just enter your coverage preferences into the quote form. Once entered, their rating system gets your driving and credit reports and generates pricing information based on these factors. Using the web to get price quotes for Volkswagen Passat insurance in Oakland makes comparing rates easy, and it’s very important to have as many quotes as possible if you want to get affordable auto insurance pricing.

To save time and find out how much you’re overpaying now, consider comparing rates from the companies shown below. If you have a policy now, it’s recommended you complete the form with the coverage information exactly as shown on your declarations page. Doing this guarantees you’re receiving a rate comparison for exact coverage.

The providers in the list below offer quotes in California. If you wish to find cheap auto insurance in CA, we recommend you get rates from several of them to get the best price comparison.

Car insurance is not optional in California

Despite the potentially high cost of Volkswagen Passat insurance, car insurance may be required and benefits you in several ways.

The benefits of insuring your car are definitely more than the cost, especially if you ever need it. The average driver in America is overpaying more than $865 each year so smart consumers compare quotes at every policy renewal to ensure rates are competitive.

Coverage statistics and figures

The premium information displayed next highlights estimates of insurance policy prices for Volkswagen Passat models. Having knowledge of how car insurance prices are figured is important for making smart policy decisions.

Volkswagen Passat Insurance Rates in Oakland, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Passat Komfort Station Wagon $216 $392 $386 $22 $116 $1,132 $94
Passat Komfort 4-Dr Sedan $216 $392 $456 $26 $136 $1,226 $102
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Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Premium amounts do not factor in specific Oakland garaging location which can influence price quotes considerably.

Deductible comparison

One frequently asked question is which comprehensive and collision deductibles to buy. The comparisons below sum up the price difference between low and high physical damage deductibles. The first rate comparisons uses a $250 deductible for comprehensive and collision coverage and the second pricing table uses a $1,000 deductible.

Volkswagen Passat insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Passat Komfort Station Wagon $386 $678 $376 $22 $112 $1,599 $133
Passat Komfort 4-Dr Sedan $386 $678 $442 $26 $132 $1,689 $141
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Volkswagen Passat insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Passat Komfort Station Wagon $238 $426 $376 $22 $112 $1,174 $98
Passat Komfort 4-Dr Sedan $238 $426 $442 $26 $132 $1,264 $105
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Rate information does not factor in specific location which can impact price quotes considerably.

Based on the figures above, using a $250 deductible costs about $35 more each month or $420 for a full year than opting for the higher $1,000 deductible. Because you would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 21 months between claim filings, you would come out ahead if you elect the higher deductible. The illustration below shows how you can come to your own conclusion.

Average monthly premium for $250 deductibles: $137
Average monthly premium for $1,000 deductibles (subtract): – $102
Monthly savings from raising deductible: $35
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $35
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

One important caveat is that increasing deductibles to save money means you will have to cover more of the damage yourself when you have a physical damage claim. You need to make sure you have enough disposable income in the event you have to pay more to get your vehicle repaired.

The information below shows how choosing a deductible and can influence Volkswagen Passat insurance costs for different insured age categories. The price estimates are based on a single female driver, full coverage, and no additional discounts are factored in.

Full coverage rates compared to liability-only

The example below shows the difference between Volkswagen Passat premium costs with and without full coverage. The costs are based on no driving violations, no at-fault accidents, $500 deductibles, single marital status, and no discounts are applied.

When to eliminate full coverage

There is no clear-cut formula to exclude physical damage insurance, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than 10% of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.

For example, let’s say your Volkswagen Passat book value is $7,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $6,000 after you pay the deductible. If it’s costing you more than $600 a year for full coverage, then you may need to consider dropping full coverage.

There are some circumstances where dropping physical damage coverage is not financially feasible. If you still owe money on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should maintain full coverage.

Do you qualify for discounts?

Companies do not advertise all their discounts in an easy-to-find place, so the list below contains both the well known as well as some of the hidden savings tricks you should be using when you buy Oakland car insurance online.Cheaper insurance with discounts

As is typical with insurance, some credits don’t apply to the overall cost of the policy. Most only cut the cost of specific coverages such as medical payments or collision. Even though it may seem like all those discounts means the company will pay you, it’s just not the way it works. But any discount should help reduce the amount you have to pay.

The information below illustrates the comparison of Volkswagen Passat yearly insurance costs with and without discounts applied to the premium. The price estimates are based on a male driver, no claims or driving violations, California 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 multi-policy, multi-car, claim-free, safe-driver, marriage, and homeowner discounts applied.

Larger insurance companies and a summarized list of policyholder discounts are outlined below.

Before you buy a policy, ask every insurance company how many discounts you can get. Some discounts may not apply to policyholders in your state. If you would like to choose from a list of insurance companies who offer free Volkswagen Passat insurance quotes in Oakland, follow this link.