How long has it been since you shopped around for cheaper Volkswagen Passat insurance in Columbia? Trying to find the cheapest insurance for a new or used Volkswagen Passat in South Carolina can turn out to be difficult, but you can learn the following methods and make it easy. There are more efficient ways to buy car insurance and you need to know the best way to price shop coverage on a Volkswagen and locate the cheapest rates from both online companies and Columbia agents.
Companies offering Volkswagen Passat insurance in South Carolina
The following companies can provide free rate quotes in South Carolina. If multiple companies are listed, it's a good idea that you visit two to three different companies to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Passat Komfort Station Wagon||$208||$414||$304||$18||$92||$1,036||$86|
|Passat Komfort 4-Dr Sedan||$298||$524||$342||$20||$102||$1,286||$107|
|Get Your Own Custom Quote Go|
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Premium amounts do not factor in zip code location which can change rates noticeably.
Reckless driving habits raise auto insurance rates
The example below demonstrates how traffic citations and accident claims drive up Volkswagen Passat insurance rates for different age groups. The data assumes a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.
Rate difference between full and liability-only coverage
The example below shows the comparison of Volkswagen Passat premium costs with full coverage compared to only the South Carolina minimum liability coverage. The costs are based on no claims or driving violations, $250 deductibles, married female driver, and no discounts are applied to the premium.
When to stop paying for full coverage
There is no exact rule to delete physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of coverage is more than 10% of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.
For example, let's say your Volkswagen Passat settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company would pay you is $5,000 after paying your policy deductible. If you are currently paying more than $500 annually for physical damage coverage, then you might want to consider buying only liability coverage.
There are a few situations where dropping physical damage coverage is not a good idea. If you haven't satisfied your loan, you are required to maintain full coverage as part of the loan conditions. Also, if you don't have enough money to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage on your policy.
Auto insurance rates based on gender in Columbia
The diagram below illustrates the difference between Volkswagen Passat car insurance costs for male and female drivers. The data assumes no accidents or driving violations, comp and collision included, $250 deductibles, marital status is single, and no additional discounts are factored in.
Lower rates by qualifying for these six discounts
Car insurance is not cheap, but there are discounts available to help offset the cost. Many discounts should be triggered at the time of quoting, but a few must be asked for prior to receiving the credit.
- Defensive Driver Discounts - Taking a safe driver course could cut 5% off your bill if your company offers it.
- Driver's Ed - Require your teen driver to participate in a local driver's education class in high school.
- Claim Free - Claim-free drivers have much lower rates in comparison to drivers with a long claim history.
- Distant College Student Discount - Kids who live away from home to go to college and leave their car at home may be insured at a cheaper rate.
- Use Seat Belts - Buckling up and requiring all passengers to buckle up can save 10% or more off the medical payments premium.
- Payment Method - By making one initial payment as opposed to paying monthly you could save up to 5%.
Drivers should understand that some of the credits will not apply to the overall cost of the policy. Most only cut individual premiums such as medical payments or collision. So even though they make it sound like all the discounts add up to a free policy, company stockholders wouldn't be very happy.
Popular car insurance companies and a summarized list of policyholder discounts are included below.
- GEICO offers discounts including anti-lock brakes, five-year accident-free, multi-vehicle, anti-theft, air bags, daytime running lights, and membership and employees.
- Auto-Owners Insurance may have discounts that include anti-theft, paperless, safe vehicle, multiple vehicles, group or association, teen driver, and mature driver.
- American Family discounts include multi-vehicle, bundled insurance, accident-free, good student, air bags, defensive driver, and Steer into Savings.
- Esurance offers discounts for Pac-12 alumni, online shopper, good driver, online quote, and Switch & Save.
- Progressive policyholders can earn discounts including continuous coverage, online quote discount, online signing, multi-policy, and multi-vehicle.
- State Farm has savings for safe vehicle, multiple autos, accident-free, driver's education, defensive driving training, and good driver.
- AAA includes discounts for education and occupation, good student, good driver, multi-policy, and pay-in-full.
It's a good idea to ask every company which discounts you qualify for. Some credits may not apply to policies in your state. To find insurers that offer many of these discounts in South Carolina, follow this link.
How to know if you need help
When selecting a policy for your vehicles, there isn't really a cookie cutter policy. Each situation is unique so this has to be addressed. Here are some questions about coverages that can aid in determining whether your personal situation may require specific advice.
- Is my trailer covered?
- How much can I save by bundling my policies?
- Can I afford to buy a different vehicle if my Volkswagen Passat is totaled?
- Is my state a no-fault state?
- How much liability coverage do I need in South Carolina?
- Does my liability insurance cover pulling a trailer or camper?
If it's difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you don't have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.
Do I need an insurance agent?
Many drivers prefer to sit down with an agent and doing that can be a smart decision Good insurance agents are trained risk managers and help you file claims. One of the great benefits of comparing insurance online is the fact that you can find lower rates and still have an agent to talk to.
To make it easy to find an agent, after completing this form (opens in new window), your insurance coverage information gets sent to companies in Columbia that give free quotes for your insurance coverage. You won't need to search for an agent since rate quotes are delivered instantly to you. If you want to compare prices from a specific insurance company, just go to their quote page and submit a quote form there.
Selecting an insurer should include more criteria than just a cheap price. These are some questions your agent should answer.
- Will the agent or a CSR service your policy?
- Are there any discounts that you might be missing?
- Where would your vehicle be repaired?
- Are all drivers listed on the coverage quote?
- If they are an independent agency in Columbia, which companies do they recommend?
- Does the agency have a positive business rating?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Do they carry Errors and Omissions coverage?
Not all auto insurance agents are the same
If you want to use a local Columbia insurance agent, you must know there are a couple types of agencies and how they differ in how they quote coverages. Agents are either independent (non-exclusive) or exclusive. Either type can insure your vehicles, but it's good to learn the difference in how they write coverage because it can factor into the selection process.
Exclusive Insurance Agencies
Agents that choose to be exclusive can usually just insure with one company like Allstate, Farmers Insurance or State Farm. These agents are not able to shop your coverage around so it's a take it or leave it situation. They are trained well on their company's products and that enables them to sell even at higher rates. Some consumers prefer to buy from the same agent for years mainly due to high brand loyalty and the convenience of having all coverages with one company.
The following are exclusive insurance agencies in Columbia who may provide you with price quotes.
- Jimmy Gilbert Jr - State Farm Insurance Agent
1303 Assembly St Ste A - Columbia, SC 29201 - (803) 799-3077 - View Map
- Allstate Insurance - Steven Price Agency
2759 Rosewood Dr - Columbia, SC 29205 - (803) 779-4060 - View Map
- Gregory Nicholas - State Farm Insurance Agent
8006 E Garners Ferry Rd - Columbia, SC 29209 - (803) 695-7070 - View Map
Independent Insurance Agents
These type of agents do not write with just one company and that gives them the ability to insure through lots of different companies and find the cheapest rate. If prices rise, your agent can just switch to a different company without you having to go to a different agency. If you need cheaper insurance rates, it's recommended you contact at least one independent agent so that you have a good selection of quotes to compare. They also have the ability to place coverage with different regional companies which can save you money.
The following are independent insurance agencies in Columbia who can help you get price quotes.
- Smoak Insurance Agency, Inc.
1534 Leesburg Rd - Columbia, SC 29209 - (803) 254-4323 - View Map
- Turbeville Insurance Agency
2718 Middleburg Dr - Columbia, SC 29204 - (803) 779-7666 - View Map
- Midland Agency
22 Office Park Ct - Columbia, SC 29223 - (803) 788-1312 - View Map
If you feel you receive satisfactory answers to any questions you have and cheap Passat insurance quotes, you may have found an insurance agency that meets the requirements to adequately provide insurance. It's important to know that you are entitled to cancel a policy any time you want so don't feel you're contractually obligated to your new company with no way out.
Why you might not save $494 a year
South Carolina consumers can't ignore all the ads for insurance savings from companies such as State Farm, Allstate and GEICO. They all say the same thing about how much you will save after switching your policy.
How is it possible that every company can give you a better price on Volkswagen Passat insurance in Columbia? It's all in how they say it.
Many companies quote the lowest rates for the type of driver that will generate a profit. For instance, this type of risk profile may be a female over age 40, has a low-risk occupation, and does not commute to work. A customer getting a price quote that meets those criteria may get the lowest car insurance rates in Columbia and will save quite a bit of money when switching.
Potential customers who fall outside the ideal profile will probably be forced to pay higher rates which results in business going elsewhere. The ad wording is "customers who switch" not "all people who quote" will save that much if they switch. That's the way insurance companies can confidently make those claims. Because every company is different, you really should compare rate quotes every year. Because you cannot predict with any certainty which company will have the lowest premium rates for your situation.
Specific coverage details
Knowing the specifics of a insurance policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. These are the usual coverages found on the average insurance policy.
Collision coverage protection
This coverage pays for damage to your Passat from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage protects against things such as colliding with another moving vehicle, crashing into a ditch and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to increase the deductible on your Passat to get cheaper collision coverage.
Liability auto insurance
This protects you from damages or injuries you inflict on people or other property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 which stand for $25,000 in coverage for each person's injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.
Liability insurance covers claims like attorney fees, legal defense fees, loss of income, pain and suffering and structural damage. How much liability should you purchase? That is a personal decision, but buy higher limits if possible. South Carolina requires minimum liability limits of 25/50/25 but you should consider buying higher limits.
Uninsured Motorist or Underinsured Motorist insurance
This protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and damage to your Volkswagen Passat.
Due to the fact that many South Carolina drivers have only the minimum liability required by law (which is 25/50/25), their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance covers 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 can pay for things like falling objects, vandalism, damage from getting keyed, damage from flooding and damage from a tornado or hurricane. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if it's not worth much more than your deductible consider dropping full coverage.
Insurance for medical payments
Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like surgery, dental work, rehabilitation expenses and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay
In the end, you can save money
There are still a few companies who don't offer internet price quotes and many times these small, regional companies sell through independent insurance agents. Cost effective Volkswagen Passat insurance is possible from both online companies as well as from insurance agents, and you need to price shop both to have the best selection.
When searching for affordable Volkswagen Passat insurance quotes, make sure you don't skimp on critical coverages to save a buck or two. Too many times, consumers will sacrifice comprehensive coverage or liability limits only to find out that their decision to reduce coverage ended up costing them more. Your strategy should be to purchase a proper amount of coverage at the best cost while not skimping on critical coverages.
More information can be read at these links:
- Property Damage Coverage (Liberty Mutual)
- Who Has the Cheapest Car Insurance for a Chevrolet Silverado in South Carolina? (FAQ)
- Who Has Affordable South Carolina Car Insurance Quotes for a 20 Year Old Male? (FAQ)
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- What is Gap Insurance? (Insurance Information Institute)
- What to do at the Scene of an Accident (Insurance Information Institute)