Volkswagen Passat CC Insurance in Las Vegas – 7 Ways to Better Rates

Tired of not being able to afford to pay auto insurance each month? You are in the same boat as most other people in Nevada. Insurance companies such as State Farm, Allstate, GEICO and Progressive increase brand awareness with catchy ads and it can be hard to not get sucked in by the cute commercials and do the work needed to find the best deal.

If you have a policy now or are looking for a new policy, you will benefit by learning to cut your premiums and possibly find even better coverage. Choosing the best insurance company for you in Las Vegas is quite easy. Nevada consumers just need to learn the proper way to get comparison rates online.

All the larger auto insurance companies such as State Farm, Allstate and GEICO allow you to get coverage prices online. Obtaining pricing is very simple as you just enter the coverages you want into the form. After you complete the form, the company’s rating system will order your driving and credit reports and generates pricing information based on the data you entered. Being able to quote online makes it simple to compare prices but the time required to go to different websites and type in your information can get tiresome after awhile. But it is imperative to perform this step if you want to get the lowest price.

The quickest way to find cheaper rates makes use of a single form that obtains quotes from more than one company. This type of form saves time, eliminates repetitive work, and makes online quotes much easier. Once the form is submitted, it is quoted and you can select any or none of the quotes returned.

If you find a better price you simply finish the application and purchase coverage. The entire process takes 15 minutes at the most and may save quite a bit of money.

To save time and find out if lower rates are available, simply click here to open in new window and submit your coverage information. If you have your current policy handy, we recommend you replicate exactly as they are listed on your policy. This way, you will have an apples-to-apples comparison using the exact same coverages.

But they said I’d save $462 a year!

Consumers can’t escape the ads for cheaper auto insurance by companies like State Farm, Allstate and GEICO. All the companies make the same claim that drivers will save a bundle just by switching to them.

But how can every company save you money? This is the trick they use.

Insurance providers have an ideal profile for the type of driver that earns them the most money. For example, this type of driver might be described as between the ages of 30 and 45, carries full coverage, and drives a safe vehicle. Any customer that meets those criteria will most likely get cheap rates and have a good chance to save when switching.

Potential insureds who do not fit the ideal profile will have to pay higher rates and ends up with the driver buying from a lower-cost company. The trick is to say “people who switch” not “everyone that quotes” save that much money. That’s why companies can truthfully state the savings.

This really illustrates why drivers must compare often. It is just not possible to predict which auto insurance company will fit your personal profile best.

Lower rates by qualifying for these seven discounts

Some companies do not advertise the entire discount list in a way that’s easy to find, so the following list contains both the well known and the more hidden credits that you can use to lower your rates.

Drivers Ed for Students – Teen drivers should successfully complete driver’s ed class as it can save substantially.
Online Discount – A few larger companies may give you up to $50 for signing up digitally online.
Passive Restraints and Air Bags – Options like air bags or automatic seat belts can receive discounts of 25 to 30%.
Theft Deterent System – Cars equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and that can save you a little bit as well.
Claim Free – Good drivers with no accidents are rewarded with significantly better rates on in comparison to accident-prone drivers.
ABS Brakes – Vehicles with ABS and/or traction control are much safer to drive so companies give up to a 10% discount.
Military Deployment Discount – Having a deployed family member could be rewarded with lower prices.

A little disclaimer on discounts, some credits don’t apply to the entire cost. Most only reduce the cost of specific coverages such as comprehensive or collision. So when it seems like you can get free auto insurance, auto insurance companies aren’t that generous. But any discount will lower the cost of your policy.

A list of companies and some of the discounts are shown below.

GEICO offers discounts for military active duty, federal employee, good student, multi-policy, and anti-lock brakes.
USAA offers premium reductions for driver training, good student, loyalty savings, new vehicle, annual mileage, family discount, and multi-policy.
Progressive includes discounts for online signing, good student, homeowner, multi-vehicle, multi-policy, online quote discount, and continuous coverage.
American Family may have discounts that include bundled insurance, TimeAway discount, defensive driver, air bags, early bird, mySafetyValet, and Steer into Savings.
Esurance may include discounts for DriveSense, online shopper, Switch & Save, emergency road assistance, and online quote.
Farmers Insurance offers discounts including pay in full, electronic funds transfer, mature driver, bundle discounts, homeowner, and good student.
State Farm discounts include safe vehicle, driver’s education, defensive driving training, passive restraint, and accident-free.

If you are trying to find , ask all the companies which discounts you may be entitled to. Savings might not apply in Las Vegas. To see a list of insurance companies offering auto insurance discounts in Las Vegas, click here.

When should I contact an insurance agency?

Some consumers still like to get advice from a local agent and that is a smart decision Professional agents can make sure you are properly covered and help in the event of a claim. A nice benefit of comparing rates online is you can get cheaper premium rates but also keep your business local. And buying from local agents is important especially in Las Vegas.

Once you complete this form (opens in new window), your information gets sent to agents in your area who will give competitive quotes for your auto insurance coverage. It simplifies rate comparisons since you won’t have to contact any insurance agencies because quoted prices will be sent immediately to you. If you have a need to get a comparison quote from one company in particular, you would need to find their quoting web page and fill out the quote form the provide.

Types of auto insurance agents

If you want a reputable agency, there are a couple of different types of agencies that you can choose from. Agents can be categorized as either independent or captive depending on the company they work for. Either one can handle auto insurance, but it’s a good idea to understand how they are different since it may influence which type of agent you select.

Independent Agents (or Brokers)

Independent agents are appointed with more than one company and that is an advantage because they can write policies with an assortment of companies and get the cheapest rates. If they quote lower rates, they can switch companies in-house which makes it simple for you.

If you are trying to find cheaper rates, you will definitely want to get some free quotes from several independent agencies for the best price selection.

Captive Auto Insurance Agencies

These type of agents can only provide pricing for a single company such as Farmers Insurance, American Family, State Farm and Allstate. Captive agencies are unable to provide other company’s prices so always compare other rates. These agents are well schooled on what they offer which helps them sell on service rather than price.

Finding the right auto insurance agent requires more thought than just a low price. The questions below may impact your decision as well.

Which insurance companies are they affiliated with?
Is coverage determined by price?
Is there a Errors and Omissions policy in force?
Can you contact them at any time?
Do the companies they represent have a solid financial rating?
What will you get paid if your car is a total loss? How is that amount determined?
What company do they have the most business with?

After you get answers to your satisfaction to all your questions in addition to an acceptable price estimate, chances are good that you have found an insurance agent that can be trusted to insure your vehicles.

Special considerations

When it comes to buying proper insurance coverage, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions can help discover if your insurance needs will benefit from professional help.

Can I rate high risk drivers on liability-only vehicles?
Should I put collision coverage on all my vehicles?
Can I afford to pay high deductible claims out of pocket?
Does having multiple vehicles earn me a discount?
Are rental cars covered under my policy?
Do I benefit by insuring my home with the same company?
Are all vehicle passengers covered by medical payments coverage?
Can I drive in Mexico and have coverage?
What is high-risk coverage and where do I buy it?
Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Auto insurance coverage options for a Volkswagen Passat CC

Having a good grasp of auto insurance can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Shown next are typical coverages offered by auto insurance companies.

UM/UIM Coverage

This gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Volkswagen Passat CC.

Due to the fact that many Nevada drivers only purchase the least amount of liability that is required (which is 15/30/10), it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, damage from flooding and hitting a deer. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage

Collision insurance pays for damage to your Passat CC caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like damaging your car on a curb, driving through your garage door and backing into a parked car. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Medical costs insurance

Coverage for medical payments and/or PIP pay for bills such as EMT expenses, pain medications, ambulance fees and funeral costs. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Liability

Liability coverage provides protection from injuries or damage you cause to other people or property in an accident. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things such as pain and suffering, funeral expenses and medical expenses. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible. Nevada state minimum liability requirements are 15,000/30,000/10,000 but it’s recommended drivers buy better liability coverage.

Much more information about auto insurance in Nevada can be read on the Nevada Division of Insurance website. Click here for link. Nevada drivers can find out which companies have the most complaints, learn about specific coverages, file complaints about a company, and discover disciplinary actions.

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Find cheaper rates by being thorough

There are still a few companies who may not offer the ability to get a quote online and most of the time these regional carriers provide coverage only through independent agents. Low-cost Volkswagen Passat CC insurance can be purchased online as well as from independent agents in Las Vegas, and you should compare price quotes from both in order to have the best chance of saving money.

We just showed you quite a bit of information on how to compare Volkswagen Passat CC insurance rates online. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even discover the lowest priced auto insurance comes from the smaller companies. Some small companies may only write in your state and offer lower car insurance rates than the large multi-state companies such as Allstate and Progressive.