2014 Volkswagen Tiguan Insurance Rates

Want lower car insurance rates for your Volkswagen Tiguan? Feel like you’re a prisoner to high-priced car insurance? Believe me, you are not the only one feeling buyer’s remorse. With consumers having so many insurance companies to choose from, it’s nearly impossible to find the right car insurance company.

Finding Insurance

Cutting your insurance rates can be surprisingly simple. You just need to invest a little time to get quotes online with multiple companies. It is quite easy and can be accomplished using a couple different methods.

Probably the best way to find low rates is to use a rate comparison form like this one (opens in new window). This form eliminates the need for separate quote forms for each company you want a rate for. Filling out one form gets you coverage quotes from multiple companies.
A more time consuming way to get quotes online is going to each company website to complete their respective quote request forms. For examples sake, let’s say you want rates from Progressive, Farmers and GMAC. To get each rate you have to spend time on each company’s site and enter your policy data, which is why most consumers use the first method. To view a list of companies in your area, click here.
The least efficient method to compare rates is to spend time driving to and from local insurance agencies. The ability to buy insurance online eliminates the need for an insurance agent unless you want the trained guidance only provided by licensed agents. You can, however, compare the best prices online but buy from a local insurance agent. We’ll cover that shortly.

It doesn’t matter which method you choose, just double check that you are using apples-to-apples coverage information for each price quote. If you compare unequal deductibles or liability limits then you won’t be able to truly determine the lowest rate.

Best discounts on Volkswagen Tiguan coverage

Car insurance can cost a lot, but you can get discounts that you may not even be aware of. A few discounts will automatically apply when you complete an application, but some may not be applied and must be specially asked for prior to getting the savings. If they aren’t giving you every credit you deserve, you’re paying more than you need to.

Discounts for Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less on Tiguan coverage than drivers with accidents.
Life Insurance – Select insurance companies reward you with better rates if you take out auto and life insurance together.
Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.
E-sign – Some insurance companies will give a small break for buying a policy and signing up on their website.
Multiple Cars – Buying insurance for all your vehicles on one policy qualifies for this discount.
Pay Upfront and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
55 and Retired – If you qualify as a senior citizen, you can possibly qualify for reduced rates on Tiguan coverage.
Multi-policy Discount – If you have multiple policies with one insurance company you may earn approximately 10% to 15%.
Memberships – Belonging to a professional or civic organization could trigger savings when shopping for auto insurance on Tiguan coverage.

Keep in mind that most discounts do not apply the the whole policy. Most only apply to the cost of specific coverages such as collision or personal injury protection. So when it seems like adding up those discounts means a free policy, auto insurance companies aren’t that generous. Any amount of discount will bring down the amount you have to pay.

To see a list of companies with discount auto insurance rates, click here.

Tailor your coverage to you

When it comes to buying the right insurance coverage, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that might point out whether you could use an agent’s help.

Am I covered if I break a side mirror?
I don’t drive much so do I pay less?
Can I afford low physical damage deductibles?
Do I need PIP coverage since I have good health insurance?
Do I benefit by insuring my home with the same company?
How much underlying liability do I need for an umbrella policy?
Do I really need UM/UIM coverage?
Do I get a pro-rated refund if I cancel my policy early?
Is my babysitter covered when using my vehicle?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance 101

Learning about specific coverages of a auto insurance policy can help you determine appropriate coverage for your vehicles. Policy terminology can be confusing and coverage can change by endorsement. Shown next are the usual coverages found on most auto insurance policies.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like ambulance fees, doctor visits and chiropractic care. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

Liability insurance protects you from injuries or damage you cause to other people or property that is your fault. It protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as repair bills for other people’s vehicles, emergency aid, loss of income, court costs and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Auto collision coverage

This coverage will pay to fix damage to your Tiguan resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like damaging your car on a curb, driving through your garage door, sustaining damage from a pot hole and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Volkswagen Tiguan.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally the UM/UIM limits are set the same as your liablity limits.

Comprehensive or Other Than Collision

This pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as falling objects, damage from a tornado or hurricane, vandalism and damage from flooding. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.