Discount Volkswagen Passat insuranceNobody I know likes paying for car insurance, in particular when they could get a better deal.

Unbelievable but true according to a study about 70% of customers have bought car insurance from the same company for more than four years, and almost half have never quoted rates to find cheap coverage. Colorado consumers could save themselves 35% a year by just shopping around, but they don't believe the actual amount they would save if they switched to a more affordable policy.

There are many insurance companies to insure vehicles with, and even though it's nice to be able to choose, too many choices makes it more difficult to find the best rates for your vehicles.

Consumers need to get comparison quotes on a regular basis because car insurance rates fluctuate regularly. If you had the best rate on Volkswagen Passat insurance in Aurora last year other companies may now be cheaper. Ignore everything you know about car insurance because you're about to find out the proper way to reduce your cost while improving coverage.

The purpose of this post is to help educate you on how to effectively get price quotes and some tips to save money. If you have a policy now, you will definitely be able to save money using this strategy. But Colorado drivers must comprehend the way insurance companies determine prices because rates fluctuate considerably.

It's important to know that quoting more increases the chance that you will find a lower rate.

The companies in the list below are our best choices to provide free rate quotes in Aurora, CO. If more than one company is shown, it's highly recommended you visit as many as you can in order to find the most affordable rates.

Volkswagen Passat Insurance Costs in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Passat Komfort Station Wagon $240 $492 $388 $22 $116 $1,258 $105
Passat Komfort 4-Dr Sedan $306 $538 $352 $20 $106 $1,322 $110
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Rates do not factor in garaging location in Aurora which can influence coverage rates substantially.

Analysis of deductible levels

One frequently asked question is which comprehensive and collision deductibles to buy. The premium rates below determine the rate difference between high and low policy deductibles. The first pricing table uses a $100 deductible for physical damage and the second data table uses a $1,000 deductible.

Volkswagen Passat insurance premium 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 premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Passat Komfort Station Wagon $190 $340 $298 $18 $90 $936 $78
Passat Komfort 4-Dr Sedan $190 $340 $352 $20 $106 $1,008 $84
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Rates do not factor in specific garaging location which can change premium rates substantially.

We can estimate from the data above that using a $100 deductible would cost the average driver about $40 more each month or $480 every year than requesting the higher $1,000 deductible. Since you would pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average more than 23 months between claims, you would more than likely save some money if you choose a higher deductible.

How to determine if raising deductibles makes sense

Average monthly premium for $100 deductibles: $121
Average monthly premium for $1,000 deductibles (subtract): - $81
Monthly savings from raising deductible: $40
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $40
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

One thing to note is that raising deductibles to save money means you will have to pay more when you have a physical damage claim. It will be required that you have enough money stashed away in order to pay more to get your vehicle repaired.

Tailor your insurance coverage to you

Keep in mind that when it comes to choosing insurance from an agent or online for your personal vehicles, there is no cookie cutter policy. Your needs are unique to you.Insurance savings

These are some specific questions may help highlight whether you may require specific advice.

If you're not sure about those questions, then you may want to think about talking to an agent. If you don't have a local agent, fill out this quick form.

Compare rates but buy from a local neighborhood Aurora car insurance agent

Some people just prefer to have an agent's advice and that is a personal choice. A good thing about getting free rate quotes online is the fact that drivers can get the best rates and still have an agent to talk to. And supporting local insurance agents is important especially in Aurora.

Aurora insurance agentsTo find an agent, once you fill out this short form, your insurance data is sent to participating agents in Aurora who will gladly provide quotes for your insurance coverage. There is no need to find an agent on your own because prices are sent to you directly. You can find better rates without the usual hassles of price shopping. If you have a need to get a price quote from a specific company, you can always find their quoting web page and complete a quote there.

Auto insurance agents in Aurora come in two varieties

If you are wanting to purchase car insurance from an insurance agent, there are two different agency structures that you can choose from. Insurance agencies in Aurora are classified as either independent or exclusive.

Independent Insurance Agents

Independent insurance agents are not required to write business for one company and that allows them to write policies with lots of companies and possibly get better coverage at lower prices. If premiums increase, they simply move your policy to a different company and you don't have to switch agencies.

If you are comparing car insurance prices, we recommend you include price quotes from at a minimum one independent agency to have the best price comparison.

Featured below are independent agencies in Aurora that can possibly get you price quotes.


12142 E Mississippi Ave - Aurora, CO 80012 - (303) 695-1000 - View Map


3033 S Parker Rd #120 - Aurora, CO 80014 - (303) 752-6479 - View Map

Focus Insurance Agency
2993 S Peoria St #144 - Aurora, CO 80014 - (303) 695-6220 - View Map

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Exclusive Agencies

Agents of this type write business for a single company and examples are Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot give you multiple price quotes so they are skilled at selling on more than just price. Exclusive agencies are very knowledgeable on the products they sell which helps offset the inability to provide other markets.

Below is a short list of exclusive agencies in Aurora that are able to give rate quotes.


4272 S Chambers Rd - Aurora, CO 80014 - (303) 699-3327 - View Map


5001 S Parker Rd - Aurora, CO 80015 - (303) 773-2019 - View Map


1710 S Buckley Rd Unit 6 - Aurora, CO 80017 - (303) 752-1441 - View Map

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Choosing a insurance agency should depend on more than just the price. Here are some questions you should ask.