Lower Your 2010 Volkswagen Tiguan Insurance Quotes

Searching for lower car insurance rates for your Volkswagen Tiguan? Have you fallen victim to overpriced car insurance? Believe me when I say there are lots of people in the same boat. Many car insurance companies compete to insure your vehicles, and it can be difficult to compare rates to find the cheapest price

If you are insured now or are just looking to switch companies, you can learn to get lower rates while maintaining coverages. Finding affordable coverage is quite easy. Drivers just need to learn how to shop their coverage around over the internet.

How to Compare Car Insurance Costs

Getting better 2010 Volkswagen Tiguan car insurance pricing isn’t really that difficult. Drivers just need to take time comparing rates online with multiple companies. It is quite easy and can be accomplished in several different ways.

  • The most efficient way to find low rates would be an industry-wide quote request form (click to open form in new window). This type of form eliminates the need for repetitive form submissions for each company you want a rate for. One quote request gets rate comparisons from multiple low-cost companies.
  • A slightly less efficient method to compare prices consists of going to the website of each company and complete a new quote form. For example, we’ll pretend you want to compare Auto-Owners, GEICO and Progressive. You would have to take the time to go to each site and enter your policy data, which is why the first method is quicker.

    For a list of links to companies insuring cars in your area, click here.

  • The hardest way of comparing rate quotes is to drive around to local insurance agencies. Buying insurance online eliminates the need for an insurance agent unless you have a need for the professional guidance of a licensed agent. You can, however, get prices online and get advice from an agent in your area and we’ll touch on that later.

Whichever method you choose, make sure you use apples-to-apples quote information for each comparison quote. If the quotes have different values for each quote you will not be able to truly determine the lowest rate.

Get lower rates on Volkswagen Tiguan insurance

Companies don’t list every available discount in an easy-to-find place, so we took the time to find some of the more common and also the lesser-known insurance savings. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Anti-lock Brakes – Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.
  • Passive Restraints – Vehicles equipped with air bags can receive discounts of up to 25% or more.
  • Payment Discounts – If you pay your bill all at once instead of paying each month you could save 5% or more.
  • No Charge for an Accident – Certain companies will allow you to have one accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
  • Club Memberships – Belonging to certain professional organizations could qualify you for a break when shopping for insurance for Tiguan coverage.
  • Seat Belts Save – Drivers who require all occupants to buckle their seat belts can save 10% or more off the personal injury premium cost.
  • Senior Discount – If you’re over the age of 55, you may be able to get reduced rates for Tiguan coverage.
  • Employee of Federal Government – Active or retired federal employment may qualify you for a discount for Tiguan coverage with select insurance companies.
  • Homeowners Savings – Being a homeowner may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.

Consumers should know that most discount credits are not given to the overall cost of the policy. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like all the discounts add up to a free policy, companies wouldn’t make money that way.

Insurance companies that may offer some of the above discounts may include but are not limited to:

Before buying, ask all companies you are considering which discounts you may be entitled to. Some discounts may not apply in your area.

Tailor your coverage to you

When choosing the right insurance coverage, there really is not a “perfect” insurance plan. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining if you may require specific advice.

  • How high should my medical payments coverage be?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Can I drive in Mexico and have coverage?
  • How can I get my company to pay me more for my totalled car?
  • When should I buy a commercial auto policy?
  • Does coverage extend to a rental car in a foreign country?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Why your Volkswagen Tiguan insurance rates may be high

Consumers need to have an understanding of the different types of things that help determine the price you pay for car insurance. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

The following are a partial list of the pieces used by your company to calculate prices.

  • One company can mean more discounts – Many companies provide better rates to customers who have multiple policies with them in the form of a multi-policy discount. If you currently are using one company, you still need to compare other company rates to confirm you are receiving the best rates possible.
  • Safe vehicles cost less to insure – Vehicles with good safety scores tend to have better insurance rates. Safe vehicles reduce injuries and any reduction in injury severity translates into fewer and smaller insurance claims passed on to you as lower rates. If your Volkswagen Tiguan earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • Claim-free discounts can add up – If you are a frequent claim filer, you can definitely plan on either a policy non-renewal or much higher rates. Auto insurance companies award cheaper rates to insureds who are claim-free. Auto insurance is intended for major claims that would cause financial hardship.
  • Little extras can really add up – There are many extra coverages that you can get tricked into buying on your car insurance policy. Coverages like rental car reimbursement, accidental death and term life insurance are some examples. They may seem like a good idea initially, but if they’re wasting money get rid of them and save.
  • Your location affects your rates – Residing in less populated areas is a positive aspect when talking about car insurance. City drivers regularly have more traffic problems and a longer drive to work. Less people living in that area translates into fewer accidents and also fewer theft and vandalism claims.

Do you really save 40% when you switch?

Consumers can’t get away from ads that promise big savings from companies such as Progressive, GEICO, Allstate and State Farm. All the ads make an identical promise that you’ll save big if you switch your policy.

How do they all make the same claim?

Insurance companies have a preferred profile for the driver that makes them money. A good example of a preferred risk could possibly be between the ages of 30 and 50, has no driving citations, and has a high credit rating. A customer getting a price quote that hits that “sweet spot” will qualify for the lowest rates and as a result will probably pay quite a bit less when switching companies.

Potential customers who are not a match for this ideal profile will be quoted higher rates and ends up with the driver buying from a lower-cost company. Company advertisements say “customers that switch” but not “drivers who get quotes” save that much money. This is how companies can state the savings. This emphasizes why you should get a wide range of price quotes. You cannot predict which auto insurance company will give you the biggest savings on Volkswagen Tiguan insurance.

Educate yourself about insurance coverages

Having a good grasp of your policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are typical coverage types offered by insurance companies.

Collision – Collision insurance pays for damage to your Tiguan from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as scraping a guard rail, backing into a parked car, colliding with a tree and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as rock chips in glass, vandalism and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Auto liability – This coverage provides protection from damage or injury you incur to a person or their property in an accident. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers claims like medical services, repair bills for other people’s vehicles, pain and suffering and funeral expenses. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.

Coverage for uninsured or underinsured drivers – This gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Volkswagen Tiguan.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical expenses – Med pay and PIP coverage pay for expenses such as pain medications, ambulance fees, chiropractic care and prosthetic devices. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Stretch your dollar

Affordable 2010 Volkswagen Tiguan insurance can be sourced on the web and with local insurance agents, so you should be comparing quotes from both to have the best rate selection. Some insurance providers do not offer the ability to get a quote online and these small insurance companies work with independent agents.

We’ve covered a lot of ways to compare insurance prices online. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. Drivers may discover the best prices are with the smaller companies. Some small companies may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm, GEICO and Nationwide.

Much more information about auto insurance can be found below: