Affordable Quotes for Volkswagen Passat Insurance in Lubbock

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Volkswagen Passat insurance
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It's well known that auto insurance companies want to prevent you from shopping around. Insureds who do rate comparisons are inclined to buy a new policy because there is a good probability of finding lower rate quotes. A recent car insurance study discovered that consumers who shopped around annually saved over $70 a month compared to people who didn't regularly shop around.

If finding the best price on auto insurance is your objective, then knowing the best ways to shop for auto insurance can make the process more efficient.

Insurance for Volkswagen PassatIf you want to save the most money, the best way to find cheaper Volkswagen Passat insurance in Lubbock is to compare prices regularly from companies who can sell car insurance in Texas. This can be done by following these steps.

First, take a few minutes and learn about individual coverages and the measures you can take to prevent rate increases. Many factors that drive up the price like inattentive driving and a less-than-favorable credit score can be amended by making minor changes in your lifestyle. This article provides more ideas to get better rates and get additional discounts that may have been overlooked.

Second, quote rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can provide rates from a single company like Progressive and State Farm, while independent agencies can give you price quotes from multiple insurance companies.

Third, compare the quotes to your existing rates and determine if cheaper Passat coverage is available. If you can save money and change companies, make sure there is no coverage gap between policies.

Fourth, provide adequate notice to your current company to cancel your current car insurance policy. Submit the required down payment along with the signed application for the new policy. When you receive it, place your new proof of insurance paperwork along with the vehicle's registration papers.

The key thing to remember is to try to compare identical coverages on each price quote and and to get price quotes from every company you can. This helps ensure the most accurate price comparison and many rates to choose from.

If you have a policy now or need new coverage, follow these tips to get lower rates and still get good coverage. Buying the cheapest car insurance in Lubbock can be easy if you know a few tricks. Smart buyers just have to know the most efficient way to quote multiple rates from multiple carriers.

The providers in the list below provide free quotes in Lubbock, TX. If you wish to find the best cheap car insurance in TX, it's highly recommended you get rate quotes from several of them to get a more complete price comparison.

Auto insurance just makes sense

Even though it's not necessarily cheap to insure a Volkswagen in Lubbock, buying auto insurance serves several important purposes.

  • The majority of states have minimum liability requirements which means you are required to buy a specific level of liability insurance coverage in order to get the vehicle licensed. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If you have a lien on your vehicle, it's guaranteed your bank will force you to carry insurance to guarantee their interest in the vehicle. If the policy lapses, the bank may buy a policy for your Volkswagen for a lot more money and require you to pay the higher premium.
  • Insurance safeguards both your assets and your Volkswagen. It will also pay for medical bills for yourself as well as anyone injured by you. Liability coverage, the one required by state law, also pays for attorney fees and expenses if anyone sues you for causing an accident. If damage is caused by hail or an accident, comprehensive and collision coverage will cover the repair costs.

The benefits of carrying enough insurance definitely exceed the cost, particularly for liability claims. According to a recent study, the average American driver overpays more than $869 every year so it's very important to do a rate comparison at every renewal to help ensure money is not being wasted.

Volkswagen Passat insurance rate analysis

The premium table displayed below covers estimates of insurance rates for Volkswagen Passat models. Having a good understanding how policy rates are calculated can benefit drivers when making smart choices when comparing insurance quotes.

Volkswagen Passat Insurance Rates in Lubbock, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Passat Komfort Station Wagon $284 $580 $304 $18 $92 $1,278 $107
Passat Komfort 4-Dr Sedan $284 $580 $358 $22 $108 $1,352 $113
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Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Information does not factor in vehicle garaging location which can revise prices significantly.

Physical damage deductibles

When comparing car insurance rates, the most common question is at what level do you set your deductibles. The comparison tables below may help you to understand the costs and benefits when you buy lower versus higher comp and collision deductibles. The first rate table uses a $250 comprehensive and collision deductible and the second price table uses a $500 deductible.

Volkswagen Passat insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Passat Komfort Station Wagon $332 $584 $324 $20 $96 $1,381 $115
Passat Komfort 4-Dr Sedan $332 $584 $382 $22 $114 $1,459 $122
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Volkswagen Passat insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Passat Komfort Station Wagon $270 $472 $324 $20 $96 $1,182 $99
Passat Komfort 4-Dr Sedan $270 $472 $382 $22 $114 $1,260 $105
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Rates do not factor in specific Lubbock garaging location which can alter auto insurance rates considerably.

Based on the figures above, using a $250 deductible costs roughly $17 more each month or $204 for a full year than buying the higher $500 deductible. Due to the fact that you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you go more than 15 months between claim filings, you would come out ahead if you decide on a higher deductible. Below is a better example of how you can make this decision for your own policy.

Average monthly premium for $250 deductibles: $119
Average monthly premium for $500 deductibles (subtract): - $102
Monthly savings from raising deductible: $17
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $17
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

An important sidenote is that increasing deductibles to save money means you will have to pay more of your own money when you have to file a claim. That will force you to have enough extra savings in order to pay the higher deductible.

The example below demonstrates how deductible levels and can impact Volkswagen Passat yearly insurance costs for different age groups. The data assumes a married female driver, full physical damage coverage, and no additional discounts are factored in.

Volkswagen Passat liability rates compared to full coverage

The information below compares Volkswagen Passat auto insurance rates with and without full coverage. The costs are based on no claims or driving violations, $100 deductibles, marital status is single, and no discounts are factored in.

Are you wasting money on full coverage?

There is no written rule that is best for determining when to drop physical damage coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is about 10% or more 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 $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would get paid by your company is $2,000 after you pay the deductible. If premium cost is more than $200 annually for full coverage, then it may be the right time to buy liability only.

There are some cases where buying only liability insurance is not in your best interest. If you still owe a portion of the original loan, you have to carry full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not buy liability only.

Do you qualify for discounts on Volkswagen Passat insurance in Lubbock?

Companies that sell car insurance don't always advertise all available discounts in an easy-to-find place, so the list below details a few of the more common and the more hidden credits that you can use to lower your rates.Discount car insurance

  • Telematics Devices - Insureds who allow companies to spy on their driving habits by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate might see lower rates if they exhibit good driving behavior.
  • First Accident Forgiveness - This isn't a discount exactly, but some companies like GEICO, Allstate and Liberty Mutual will allow you to have one accident without getting socked with a rate hike if you are claim-free for a particular time prior to the accident.
  • Student Discount for Driver Training - Cut your cost by having your teen driver enroll in driver's education in school or through a local driver safety program.
  • ABS Brakes - Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
  • Drive Safe and Save - Drivers who avoid accidents can pay as much as 50% less compared to accident prone drivers.
  • Safety Restraint Discount - Using a seat belt and requiring all passengers to fasten their seat belts could cut 10% or more off the personal injury premium cost.
  • College Student Discount - Children who are attending college and do not take a car to college could get you a discount.
  • Life Insurance - Some insurance companies give lower premium rates if you buy a life policy as well.

Don't be shocked that most credits do not apply to the whole policy. Most cut the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like it's possible to get free car insurance, you're out of luck. Any amount of discount will lower the amount you pay for coverage.

The diagram below illustrates the comparison of Volkswagen Passat car insurance costs with and without discounts. The premiums assume a female driver, no claims or driving citations, Texas state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, claim-free, marriage, multi-car, and safe-driver discounts applied.

A few companies that may offer policyholders these money-saving discounts possibly include:

When quoting, ask all companies you are considering how you can save money. Depending on the company, some discounts might not be offered on policies in Lubbock. If you would like to see a list of insurance companies that provide some of the discounts listed above in Texas, click here.

Comparing prices from local Lubbock car insurance agents

A small number of people just prefer to go talk to an agent and we recommend doing that Professional insurance agents are trained risk managers and give you someone to call. One of the great benefits of getting online price quotes is that drivers can save money and get the lowest rates and still have an agent to talk to.

To find an agent, once you fill out this short form, your insurance data is emailed to companies in Lubbock who can give free rate quotes for your business. You won't even need to search for an agent as quotes are delivered directly to your email. In the event you want to get a comparison quote from one company in particular, don't hesitate to search and find their rate quote page and fill out the quote form the provide.

Choosing an company requires more thought than just the price. Get answers to these questions too.

  • How would your car be valued if totaled?
  • What company do they have the most business with?
  • Do they offer rental car reimbursement?
  • Are they in the agency full-time?
  • Do they have any clout with companies to ensure a fair claim settlement?

When finding a reliable insurance agent, you must know there are a couple types of agencies and how they are slightly different. Insurance agencies can either be exclusive or independent agents depending on their company appointments. Both types can properly insure your vehicles, but it's worth mentioning how they are different since it may influence the selection process.

Exclusive Insurance Agencies

These agents work for only one company like American Family, State Farm, and Allstate. Exclusive agents are unable to provide rate quotes from other companies so keep that in mind. Exclusive insurance agents are well trained on their products and sales techniques which aids in selling service over price.

Shown below are Lubbock exclusive insurance agents who may provide you with rate quotes.

6301 19th St #4 - Lubbock, TX 79407 - (806) 792-4432 - View Map

7302 82nd St Ste 11 - Lubbock, TX 79424 - (806) 866-2702 - View Map

10210 Frankford Ave Ste 220 - Lubbock, TX 79424 - (806) 783-9519 - View Map

More Lubbock agents

Independent Insurance Agents

Independent agencies can quote rates with many companies and that gives them the ability to insure through many different insurance companies depending on which coverage is best. If you want to switch companies, your policy is moved internally which is easy for the insured.

When comparing rate quotes, you need to include price quotes from at least one independent agent for the best price selection.

The following is a short list of independent agencies in Lubbock willing to provide price quote information.

1810 50th St - Lubbock, TX 79412 - (806) 747-4422 - View Map

3405 19th St - Lubbock, TX 79410 - (806) 792-3771 - View Map

Holmes/Bednarz Insurance Agency
5717 66th St #110 - Lubbock, TX 79424 - (806) 748-5453 - View Map

More Lubbock agents

It's not one size fits all

When it comes to adequate coverage, there really is no perfect coverage plan. Every situation is different.Drive safe and save

For example, these questions may help highlight if your insurance needs may require specific advice.

  • Is there coverage for my trailer?
  • Does insurance cover damages from a DUI accident?
  • Do I need to file an SR-22 for a DUI in Texas?
  • Why am I required to buy liability insurance?
  • What is the difference between comprehensive and collision coverage?
  • Is my ex-spouse still covered by my policy?
  • If I use my vehicle for business use is it covered?
  • Does my Volkswagen Passat qualify for pleasure use?
  • What does UM/UIM cover?

If you don't know the answers to these questions but you think they might apply to your situation then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form. It's fast, doesn't cost anything and can help protect your family.

How to find a good Lubbock car insurance company

Selecting a highly-rated auto insurance company is hard considering how many companies provide coverage in Lubbock. The rank data displayed below could help you choose which coverage providers you want to consider when comparing rates.

Top 10 Lubbock Car Insurance Companies Ranked by Value

  1. Mercury Insurance
  2. Travelers
  3. American Family
  4. AAA Insurance
  5. Safeco Insurance
  6. Progressive
  7. The Hartford
  8. The General
  9. 21st Century
  10. Esurance

Top 10 Lubbock Car Insurance Companies Ranked by Claims Service

  1. Travelers
  2. Nationwide
  3. Allstate
  4. State Farm
  5. Liberty Mutual
  6. GEICO
  7. American Family
  8. Esurance
  9. Titan Insurance
  10. AAA Insurance

Cheaper auto insurance rates are out there

As you quote Lubbock car insurance, never sacrifice coverage to reduce premiums. In many cases, an accident victim reduced collision coverage only to discover later that they should have had better coverage. Your goal should be to get the best coverage possible for the lowest cost, but do not sacrifice coverage to save money.

Throughout this article, we presented a lot of information how to shop for Volkswagen Passat insurance online. The key thing to remember is the more quotes you get, the higher the chance of saving money. Drivers may even discover the lowest prices are with an unexpected company.

There are still a few companies who do not provide online rate quotes and most of the time these smaller providers sell through local independent agencies. Budget-friendly auto insurance in Lubbock is attainable on the web and from local insurance agents, and you need to price shop both to have the best chance of lowering rates.

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