Do you need a better way to compare lower-priced Volkswagen Passat insurance in Henderson? Are you irritated from scraping the payment together to pay car insurance each month? Your situation is no different than most other vehicle owners in Nevada.

Discount Volkswagen Passat insuranceA recent study showed that almost 70% of insureds in Nevada renewed their policy with the same company for over three years, and just short of a majority have never even shopped around for cheap coverage. American drivers could save 46.5% each year, but they don't believe how much savings they would realize if they switched.

Due to the increasing number of choices for buying affordable insurance for a Volkswagen Passat in Henderson, it can be diffult for drivers to choose the cheapest insurer.

You should make it a habit to compare prices at least once a year since prices trend upward over time. Even if you got the best rate on Volkswagen Passat insurance in Henderson a few years ago you will most likely find a better premium rate today. Ignore everything you know about car insurance because we're going to demonstrate the easiest way to eliminate unnecessary coverages and save money on Volkswagen Passat insurance in Henderson.

Cheapest companies for Volkswagen Passat insurance in Nevada

The auto insurance companies shown below are ready to provide comparison quotes in Nevada. If multiple companies are shown, it's a good idea that you compare several of them in order to get a fair rate comparison.

Volkswagen Passat Insurance Rates in Henderson, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Passat Komfort Station Wagon $232 $486 $296 $18 $88 $1,120 $93
Passat Komfort 4-Dr Sedan $214 $438 $372 $22 $112 $1,158 $97
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Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Rate quotes do not factor in specific zip code location which can influence coverage rates considerably.

Volkswagen Passat full coverage rates compared to liability only

The illustration below illustrates the difference between Volkswagen Passat insurance premiums when comparing full coverage to liability only. The information is based on no driving violations, no at-fault accidents, $250 deductibles, single female driver, and no discounts are applied to the premium.

Are you wasting money paying for full coverage?

There isn't a steadfast formula to exclude full coverage, but there is a general guideline you can use. If the annual cost of your full coverage insurance is about 10% or more of the vehicle's replacement cost less your deductible, then you may need to consider dropping full coverage.

For example, let's assume your Volkswagen Passat claim settlement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $6,000 after paying the physical damage deductible. If it's costing in excess of $600 annually for your policy with full coverage, then you may need to consider dropping full coverage.

There are some cases where only buying liability 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 your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should keep full coverage on your policy.

Volkswagen Passat insurance costs by age and gender

The example below illustrates the difference between Volkswagen Passat auto insurance rates for male and female drivers. The premiums are based on no claims or violations, full physical damage coverage, $250 deductibles, drivers are single, and no other discounts are factored in.

Raise deductibles and save

One of the hardest decisions when shopping for auto insurance is how low should you set your deductibles. The comparisons below can help illustrate the differences in price when you select higher and lower comp and collision deductibles. The first pricing table uses a $100 deductible for comprehensive and collision coverage and the second price grid uses a $500 deductible.

Volkswagen Passat insurance premium estimates 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
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Volkswagen Passat insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Passat Komfort Station Wagon $218 $382 $262 $16 $78 $956 $80
Passat Komfort 4-Dr Sedan $218 $382 $308 $18 $92 $1,018 $85
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Prices do not factor in specific zip code location which can increase or decrease premium rates greatly.

Using the premium rates above, we can conclude that using a $100 deductible costs an average of $24 more each month or $288 every year than selecting the higher $500 deductible. Because you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you go more than 17 months between claims, you would come out ahead if you choose the higher deductible.

How to calculate if a higher deductible is a good decision

Average monthly premium for $100 deductibles: $107
Average monthly premium for $500 deductibles (subtract): - $83
Monthly savings from raising deductible: $24
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $24
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

Companies offer money-saving discounts on Volkswagen Passat insurance in Henderson

Companies that sell car insurance don't always publicize every discount very clearly, so we took the time to find a few of the more well known as well as some of the hidden discounts that you can inquire about if you buy Henderson car insurance online.Cheaper insurance with discounts

We need to note that most of the big mark downs will not be given to your bottom line cost. Most only reduce specific coverage prices like medical payments or collision. Despite the fact that it seems like you could get a free insurance policy, it doesn't quite work that way. But all discounts will lower your policy premiums.

To choose providers that provide some of the discounts listed above in Henderson, click here.

How Insurance Companies Calculate Volkswagen Passat Insurance Prices

Part of the insurance buying process is learning some of the elements that help determine the level of your policy premiums. If you know what determines base rates, this empowers consumers to make smart changes that could help you find lower premium levels.

When should I contact an insurance agent?

Many people still like to talk to an insurance agent and that is just fine! A good thing about price shopping on the web is the fact that you can find lower car insurance rates and still have a local agent.

Insurance agency in HendersonAfter completing this simple form, your information is submitted to agents in your area that provide free Henderson car insurance quotes to get your business. It's much easier because you don't need to do any legwork since rate quotes are delivered to you directly. You can find better rates and work with a local agent. If you have a need to quote rates from a particular provider, you can always go to their quote page and submit a quote form there.

Selecting an insurer should depend on more than just the premium amount. Before buying a policy in Henderson, get answers to these questions.

Shown below are agents in Henderson that may be willing to give comparison quotes for Volkswagen Passat insurance in Henderson.


1590 W Horizon Ridge Pkwy #120 - Henderson, NV 89012 - (702) 451-4565 - View Map


19 S Stephanie St #190 - Henderson, NV 89012 - (702) 565-9198 - View Map

Eugene Ramos - State Farm Insurance Agent
1205 W Warm Springs Rd #107 - Henderson, NV 89014 - (702) 597-1750 - View Map


11201 S Eastern Ave #110 - Henderson, NV 89052 - (702) 260-8589 - View Map

View more Henderson agents

Cheaper coverage is out there

We just covered a lot of ways to compare Volkswagen Passat insurance rates in Henderson. The key concept to understand is the more providers you compare, the better your comparison will be. You may even find the biggest savings come from the least-expected company. Smaller companies can often provide lower auto insurance rates in certain areas than their larger competitors like State Farm or Progressive.

As you restructure your insurance plan, it's a bad idea to skimp on critical coverages to save a buck or two. Too many times, drivers have reduced uninsured motorist or liability limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to get the best coverage possible at the best possible price and still be able to protect your assets.

Lower-priced car insurance in Henderson can be bought from both online companies as well as from independent agents in Henderson, so you should be comparing quotes from both to have the best chance of lowering rates. There are still a few companies who may not have the ability to get quotes online and usually these regional carriers work with independent agents.

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