Lower Your 2013 Volkswagen Touareg Insurance Quotes

Are you tired of trying to scrape together enough money to insure your Volkswagen every month? Your situation is no different than the majority of other car owners.

Big-name insurance companies like Progressive, GEICO and Farmers Insurance constantly blast consumers with ads and it can be hard to ignore the flashy ads and take the time to shop coverage around.

If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using these techniques. Finding the best rates is not that difficult. Nevertheless, vehicle owners do need to know how insurance companies sell online.

Factors that can influence Volkswagen Touareg insurance rates

Smart consumers have a good feel for the factors that help determine the price you pay for car insurance. Knowing what impacts premium levels helps enable you to make changes that can help you get lower car insurance prices.

  • Do you need those extra coverages? – There are a lot of add-on coverages that you can buy when buying car insurance. Coverages for roadside assistance, towing coverage and term life insurance may be wasting your money. They may seem good when talking to your agent, but if they’re wasting money eliminate them to save money.
  • Car features impact rates – Owning a car with anti-theft technology or alarm system can help lower your rates. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your vehicle from being stolen.
  • Rates may be lower depending on your job – Occupations like lawyers, social workers and dentists tend to pay the highest average rates attributed to stressful work requirements and long work hours. Other occupations like farmers, historians and retirees have the lowest average rates for Touareg insurance.
  • Battle of the sexes – Statistics demonstrate women tend to be less risk to insure than men. However, this does not mean men are worse drivers. Both sexes cause accidents at a similar rate, but men have costlier accidents. Men also receive more costly citations such as reckless driving. Young males are several times more likely to be in an accident and are penalized with high car insurance rates.
  • With age comes lower rates – More mature drivers are viewed as being more responsible, statistically cause fewer accidents and are safer drivers. Young drivers are known to be careless and easily distracted when driving therefore car insurance rates are much higher.
  • Clean credit earns discounts – A driver’s credit score is a big factor in determining your rates. If your credit history is lower than you’d like, you could pay less to insure your 2013 Volkswagen Touareg by improving your credit score. Drivers with good credit tend to file fewer claims and have better driving records than those with poor credit.
  • Allowing your policy to lapse raises rates – Letting your insurance expire is a sure-fire way to trigger a rate increase. And not only will insurance be more expensive, but not being able to provide proof of insurance may earn you a hefty fine and possibly a revoked license.You may then be required to file a SR-22 with your state motor vehicle department.
  • The more you drive the more you pay – Driving more miles every year the higher your rates will be. Most companies charge to insure your cars based upon how you use the vehicle. Cars used primarily for pleasure use receive lower rates compared to those used for work or business. Improper usage on your Touareg can cost quite a bit. Double check that your car insurance coverage properly reflects the proper vehicle usage, because improper ratings can cost you money.

Pay less for 2013 Volkswagen Touareg insurance

The cost of insuring your cars can be expensive, but companies offer discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you get a quote, but some may not be applied and must be asked for before you will receive the discount.

  • One Accident Forgiven – Some insurance companies will forgive one accident before your rates go up as long as you don’t have any claims for a certain period of time.
  • Multi-car Discount – Insuring more than one vehicle on the same insurance policy may reduce the rate for each vehicle.
  • Low Mileage Discounts – Fewer annual miles on your Volkswagen could qualify for discounted rates on garaged vehicles.
  • Federal Government Employee – Simply working for the federal government can save as much as 8% for Touareg insurance with select insurance companies.
  • Multiple Policy Discount – If you have multiple policies with one insurance company you may save 10% to 20% off each policy.
  • Driver Safety – Taking a driver safety course can save you 5% or more and easily recoup the cost of the course.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.

Keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most only cut specific coverage prices like collision or personal injury protection. Just because it seems like you would end up receiving a 100% discount, insurance companies aren’t that generous. But any discount will bring down your overall premium however.

Car insurance companies that possibly offer these benefits include:

It’s a good idea to ask every prospective company how you can save money. Discounts might not apply in your state.

The auto insurance bait and switch

Auto insurance providers like GEICO, State Farm and Progressive regularly use ads on television and other media. They all make the same claim about savings if you move to their company. How do they all claim to save you money? This is how they do it.

Different companies can use profiling for the type of driver that makes them money. For instance, a driver they prefer could possibly be between 25 and 40, has no prior claims, and has excellent credit. A customer who fits that profile gets the lowest rates and as a result will probably save a lot of money.

Drivers who don’t qualify for these standards will be charged higher premiums and this can result in the driver buying from a lower-cost company. Company advertisements say “customers who switch” not “everyone that quotes” save that kind of money. That’s the way companies can truthfully advertise the way they do.

That is why drivers should get as many comparisons as possible. It’s just too difficult to predict the company that will have the lowest Volkswagen Touareg insurance rates.

Tailor your coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions might point out whether your personal situation could use an agent’s help.

  • What is the rate difference between pleasure use and commuting?
  • Should I buy only the required minimum liability coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What are the financial responsibility laws in my state?
  • What is high-risk coverage and where do I buy it?
  • How can I force my company to pay a claim?
  • I have health insurance so do I need medical payments coverage?

If you’re not sure about 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 want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Insurance coverages and their meanings

Having a good grasp of your insurance policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverage types available from insurance companies.

Collision coverage

Collision insurance covers damage to your Touareg from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims such as sideswiping another vehicle, rolling your car, crashing into a building and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for bills such as EMT expenses, pain medications, rehabilitation expenses, ambulance fees and surgery. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hitting a bird, a broken windshield, rock chips in glass and theft. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Liability auto insurance

This will cover damage or injury you incur to people or other property by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like pain and suffering, repair costs for stationary objects and medical expenses. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

What is YOUR best insurance company?

As you prepare to switch companies, you should never buy less coverage just to save a little money. There are too many instances where drivers have reduced uninsured motorist or liability limits only to regret at claim time that it was a big error on their part. Your strategy should be to buy the best coverage you can find at an affordable rate, not the least amount of coverage.

We just showed you a lot of ways to get a better price on 2013 Volkswagen Touareg insurance. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. You may even discover the lowest premiums are with the smaller companies. Smaller companies can often provide lower rates in certain areas than the large multi-state companies such as Allstate and Progressive.

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