Insurance rates Volkswagen Passat in Fort CollinsDo you want a faster way to compare low-cost Volkswagen Passat insurance in Fort Collins? Scraping up a payment for pricey Volkswagen Passat insurance in Fort Collins can overdraw your accounts and make it hard to pay other bills. Performing a rate comparison is free, only takes a few minutes, and is a good way to tighten up your finances.

Amazingly, a recent NerdWallet.com study showed that most drivers kept buying from the same company for well over three years, and virtually 40% of consumers have never shopped around. With the average auto insurance premium being $1,810, Fort Collins drivers can save $600 each year just by comparing rates, but they just don't understand how easy it is to compare rate quotes online. Big companies like Allstate, Progressive and GEICO constantly bombard you with fancy advertisements and it is challenging if not impossible to see past the corporate glitz and find the best price available.

Ways to get Volkswagen Passat insurance quotes in Fort Collins, Colorado

The following companies have been selected to offer free rate quotes in Colorado. If the list has multiple companies, we recommend you visit several of them to get the best price comparison.

Volkswagen Passat Insurance Costs in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Passat Komfort Station Wagon $264 $528 $314 $18 $94 $1,218 $102
Passat Komfort 4-Dr Sedan $298 $528 $358 $22 $108 $1,314 $110
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Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Information does not factor in specific garaging location which can alter price quotes significantly.

Violations and accidents raise rates

The information below demonstrates how citations and at-fault accidents increase Volkswagen Passat car insurance rates for different insured age categories. Data assumes a married female driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.

Higher deductibles lower rates

The chart below illustrates how your choice of deductibles and can influence Volkswagen Passat insurance prices for each age group. The costs are based on a married female driver, full coverage, and no discounts are applied to the premium.

Higher deductibles save money

A question often asked by Fort Collins drivers is how low should you set your deductibles. The rates shown below summarize the rate differences between high and low comp and collision deductibles. The first rate comparisons uses a $100 comprehensive and collision deductible and the second price chart uses a $500 deductible.

Volkswagen Passat insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Passat Komfort Station Wagon $342 $644 $298 $18 $90 $1,417 $118
Passat Komfort 4-Dr Sedan $342 $644 $352 $20 $106 $1,489 $124
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Volkswagen Passat insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Passat Komfort Station Wagon $250 $434 $298 $18 $90 $1,090 $91
Passat Komfort 4-Dr Sedan $250 $434 $352 $20 $106 $1,162 $97
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Rate information does not factor in your specific Fort Collins location which can affect prices greatly.

We can estimate from the data above that using a $100 deductible costs approximately $27 more each month or $324 annually than choosing the higher $500 deductible. Because you would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at a minimum 15 months between claim filings, you would probably be better off by selecting a higher deductible.

Volkswagen Passat insurance discounts in Fort Collins

Car insurance can cost a lot, but companies offer discounts to help offset the cost. Some of these discounts will be visible at quote time, but a few must be asked for prior to getting the savings.Save money with discounts

Don't be shocked that most discount credits are not given to all coverage premiums. Some only reduce specific coverage prices like liability and collision coverage. Just because you may think adding up those discounts means a free policy, you won't be that lucky.

To view insurers that offer multiple discounts in Colorado, follow this link.

Eight factors that impact insurance rates

When buying auto insurance it's important to understand a few of the rating criteria that help calculate your policy premiums. If you have a feel for what determines base rates, this allows you to make good choices that could help you find much lower annual insurance costs.

Five star NHTSA crash test rating saves money - Vehicles with good safety scores get lower rates. Safe vehicles reduce occupant injuries and lower injury rates means less money paid by your insurance company and more competitive rates for policyholders. If your Volkswagen has ratings of a minimum four stars on Safercar.gov or an "acceptable" rating on iihs.org it may be receiving lower rates.

Low mileage costs less - The higher the mileage driven in a year's time the higher your rates will be. A lot of companies apply a rate based upon how much you drive. Vehicles that have low annual miles can get a lower rate as compared to vehicles used primarily for driving to work. It's always a good idea to double check that your auto insurance coverage shows the proper vehicle usage, because improper ratings can cost you money. Improper usage on your Passat can result in significantly higher rates.

Cheaper rates by bundling - Most major insurers apply a discount for people who carry more than one policy in the form of a multi-policy discount. Even if you already get this discount, drivers will still want to shop around to verify if the discount is saving money.

Your address can impact costs - Being located in less populated areas of the country may provide you with better prices when trying to find low car insurance rates. Lower population means reduced accidents in addition to fewer liability claims. Urban drivers have more auto accidents and more time behind the wheel. More time on the road can result in more accidents.

Frequent claims will cost you more - Companies in Colorado provide discounts to policyholders that do not abuse their auto insurance. If you frequently file small claims, you can pretty much guarantee either policy cancellation or increased premiums. Auto insurance is designed for claims that you cannot pay yourself.

Lower physical damage deductibles cost more - Insurance for physical damage, aka comp and collision, covers your vehicle from damage. Some coverage claims could be running into the backend of another car, vandalism, and rolling your vehicle. The deductibles tell how much you are willing to pay if the claim is covered. The more of the claim you pay before a claim is paid (deductible), the lower your rates will be.

Liability insurance limits on your policy - A critical coverage on your policy, liability insurance kicks in if a court rules you are at fault for causing personal injury or damage in an accident. It provides legal defense coverage to attempt to prove you were not liable. Liability is cheap compared to comp and collision, so drivers should buy more than the minimum limits required by law.

Cut premiums and deter theft - Owning a car with a theft deterrent system can help lower your premiums. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all aid in stopping vehicle theft.

Insurance loss statistics a Volkswagen Passat - Companies include the past claim trends for vehicles to help determine rates. Models that the statistics show to have a trend towards higher claims will cost more for specific coverages.

The next table shows the historical insurance loss data for Volkswagen Passat vehicles. For each coverage type, the loss probablilty for all vehicles averaged together is a value of 100. Percentage values below 100 are indicative of better than average losses, while numbers above 100 point to more losses or larger claims.

Volkswagen Passat Insurance Loss Statistics

Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Volkswagen Passat 101 99 99 111 113 102
BETTER
AVERAGE
WORSE

Statistics from IIHS.org for 2013-2015 Model Years

Auto insurance agents can help

Many drivers still like to get professional advice from a licensed agent and that can be a smart move Agents can point out coverage gaps and help submit paperwork. An additional benefit of getting online price quotes is the fact that you can find cheap rate quotes and still buy from a local agent. Buying from small agencies is still important in Fort Collins.

Insurance agency in Fort CollinsTo make it easy to find an agent, after completing this simple form, your information is sent to agents in your area that can provide free Fort Collins car insurance quotes for your coverage. It simplifies rate comparisons since you won't have to contact an agency since rate quotes are delivered instantly to you. If you have a need to compare rates from a specific insurance company, don't hesitate to search and find their rate quote page and submit a quote form there.

If you prefer to buy auto insurance from a reliable insurance agency, you should know the different types of agents and how they work. Auto insurance agents in Fort Collins can be described as either independent agents or exclusive agents depending on their employer. Either type can do a good job, but it's worth mentioning how they are different because it can factor into which agent you choose.

Independent Agents

Agents of this type do not sell for just one brand so they have the ability to put coverage with many different companies and help determine which has the cheapest rates. If they find a lower price, your policy is moved internally and the insured can keep the same agent. When searching for an agent, you will want to compare quotes from a few independent agents so that you can do a thorough price comparison.

Listed below is a small list of independent agencies in Fort Collins that may be able to provide price quote information.


4033 E Boardwalk Dr # 200 - Fort Collins, CO 80525 - (970) 207-4000 - View Map

Fort Collins Insurance Agency, LLC
1730 S College Ave #202 - Fort Collins, CO 80525 - (970) 222-9477 - View Map


144 N Mason St # 5 - Fort Collins, CO 80524 - (970) 672-8853 - View Map

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Exclusive Auto Insurance Agents

These agents work for only one company like Allstate, State Farm and Farm Bureau. These agents are unable to provide rate quotes from other companies so they have no alternatives for high prices. Exclusive agents are usually well trained on their company's products and that allows them to sell at a higher price point.

Below is a short list of exclusive agents in Fort Collins that are able to give comparison quotes.


375 E Horsetooth Rd Bldg 6100 - Fort Collins, CO 80525 - (970) 223-0940 - View Map


3307 S College Ave - Fort Collins, CO 80525 - (970) 223-2219 - View Map


3636 S College Ave - Fort Collins, CO 80525 - (970) 223-1111 - View Map

More insurance agents

Picking the best auto insurance agent requires more thought than just the bottom line cost. These are some valid questions you should ask.

The best insurance company isn't always the cheapest

We've covered many ways to shop for Volkswagen Passat insurance online. The key thing to remember is the more rate quotes you have, the better chance you'll have of finding affordable Fort Collins car insurance quotes. Consumers may even find the lowest priced auto insurance comes from a smaller regional carrier. These companies can often provide lower premium rates in certain areas as compared to the big name companies such as Allstate, GEICO and Progressive.

When trying to cut insurance costs, do not sacrifice coverage to reduce premiums. In many instances, an insured dropped liability coverage limits and learned later that their decision to reduce coverage ended up costing them more. Your aim should be to find the BEST coverage at a price you can afford, but do not sacrifice coverage to save money.

Much more information about auto insurance in Colorado is located at the links below