Compare Volkswagen Passat Insurance Rates in Portland

Insurance for Volkswagen PassatThe easiest way to get affordable car insurance rates in Portland is to annually compare prices from providers who sell insurance in Oregon. Rates can be compared by following these steps.

An essential thing to point out is that you use the same deductibles and limits on each price quote and and to get quotes from every company you can. Doing this helps ensure an apples-to-apples comparison and and a good selection of different prices.

Unimaginable but true, most car insurance buyers have remained with the same car insurance company for more than four years, and approximately 38% of consumers have never compared rates to find cheaper insurance. Many drivers in Oregon could save as much as $970 a year, but they just assume it takes a lot of time to compare rate quotes online.

If you already have coverage, you will definitely be able to get lower rates using the tips covered below. The purpose of this post is to let you in on how car insurance companies work. Nevertheless, Oregon car owners need to learn the way insurance companies set your policy premium and use it to find better rates.

All the larger car insurance companies allow you to get pricing direct online. Comparing Volkswagen Passat insurance rates online is fairly simple as all you need to do is type in your coverage preferences as requested by the quote form. When complete, the system collects your driving record and credit report and returns pricing information determined by many factors.

This makes it simple to compare prices and it’s also necessary to get many rate quotes if you want to get the lowest payment possible.

To save time and find out how much you’re overpaying now, check out the car insurance providers below. If you currently have coverage, we recommend you replicate the insurance coverages exactly as they are listed on your policy. Doing this assures you are getting rate quotes for exact coverage.

The providers in the list below provide price quotes in Oregon. To buy the best cheap auto insurance in OR, it’s a good idea that you visit two to three different companies to find the most affordable car insurance rates.

Premium rates and analysis

The coverage information shown next covers a range of insurance rates for Volkswagen Passat models. Learning a little about how rate quotes are calculated can help guide drivers when making informed purchases.

Volkswagen Passat Insurance Rates in Portland, OR
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Passat Komfort Station Wagon $214 $406 $256 $16 $76 $968 $81
Passat Komfort 4-Dr Sedan $214 $406 $300 $18 $90 $1,028 $86
Get Your Own Custom Quote Go

Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Oregon minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Rates do not factor in specific location which can lower or raise coverage prices greatly.

The illustration below highlights how deductible selection and can change Volkswagen Passat insurance costs for different age groups. The prices are based on a single female driver, comp and collision included, and no discounts are factored in.

Male drivers versus female drivers

The illustration below shows the difference between Volkswagen Passat car insurance rates for male and female drivers. Data assumes no violations or claims, full coverage, $1,000 deductibles, single marital status, and no additional discounts are factored in.

Choosing the best Volkswagen vehicle insurance in Oregon is an important decision

Despite the fact that car insurance is not cheap in Portland, car insurance may be mandatory for several reasons.

First, just about all states have minimum mandated liability insurance limits which means the state requires specific minimum amounts of liability insurance if you want to drive legally. In Oregon these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.

Second, if you have a lien on your vehicle, almost all lenders will require you to buy insurance to protect their interest in the vehicle. If you default on your policy, the lender may insure your Volkswagen at a much higher rate and require you to pay for the much more expensive policy.

Third, insurance protects both your vehicle and your assets. It will also provide coverage for all forms of medical expenses that are the result of an accident. Liability coverage will also pay for a defense attorney if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will pay to have it repaired.

The benefits of having car insurance outweigh the cost, particularly when you have a large claim. According to a recent study, the average American driver is currently overpaying as much as $820 a year so smart consumers compare quotes at every policy renewal to ensure rates are inline.

What Determines Volkswagen Passat Insurance Premiums?

It’s important that you understand some of the factors that are used to determine your premiums. If you know what determines base rates, this enables informed choices that will entitle you to cheaper rates. Lots of things are taken into consideration when you quote your car insurance policy. Some factors are common sense like your driving record, although some other factors are less obvious like your vehicle usage and annual miles driven.

The items below are some of the major factors used by insurance companies to determine your rate level.

How to find a good Portland car insurance company

Buying coverage from the top company is difficult considering how many different companies there are to choose from in Oregon. The information below can help you select which insurers to look at purchasing from.

Top 10 Portland Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA Insurance – 91%
  4. Nationwide – 90%
  5. State Farm – 90%
  6. The Hartford – 89%
  7. GEICO – 89%
  8. 21st Century – 88%
  9. Liberty Mutual – 88%
  10. Allstate – 88%

Don’t give up on cheaper rates

Drivers switch companies for any number of reasons including not issuing a premium refund, high rates after DUI convictions, policy cancellation or even an unsatisfactory settlement offer. Whatever your reason, finding a great new company is less work than it seems.

As you quote Portland auto insurance, it’s a bad idea to skimp on critical coverages to save a buck or two. In many cases, someone sacrificed full coverage only to discover later that the small savings ended up costing them much more. The goal is to find the BEST coverage for the lowest cost, but do not sacrifice coverage to save money.

You just learned quite a bit of information on how to get a better price on Volkswagen Passat insurance in Portland. The most important thing to understand is the more times you quote, the higher the chance of saving money. You may even be surprised to find that the most savings is with some of the smallest insurance companies.

Much more information about auto insurance in Oregon is available below: