2015 Volkswagen Tiguan Insurance Rates

Searching for cheaper car insurance rates for your Volkswagen Tiguan? Comparing car insurance rates is not a process consumers relish, but it’s mandatory before you can go for a ride.

Consumers need to price shop coverage every six months since insurance rates are variable and change quite frequently. Just because you found the best price on Tiguan insurance a year ago there may be better deals available now. So just forget anything you know (or think you know) about car insurance because you’re about to learn the best way to reduce your cost while increasing coverage.

If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using these methods. Locating cheaper protection is easy if you know what you’re doing. Nevertheless, drivers need to have an understanding of the way insurance companies price insurance differently and use this information to your advantage.

How to reduce Volkswagen Tiguan insurance rates

Companies offering auto insurance do not advertise every available discount in an easy-to-find place, so we took the time to find some of the best known and also the lesser-known auto insurance savings.

  • Senior Discount – If you qualify as a senior citizen, you can possibly qualify for better auto insurance rates on Tiguan insurance.
  • Club Memberships – Affiliation with a professional or civic organization is a good way to get lower rates when buying auto insurance on Tiguan insurance.
  • Discount for Swiching Early – A few companies offer discounts for buying a policy prior to your current policy expiring. The savings is around 10%.
  • Anti-theft System – Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
  • More Vehicles More Savings – Having multiple cars or trucks on the same auto insurance policy qualifies for this discount.
  • Discount for Life Insurance – Larger companies have a discount if you purchase a life insurance policy as well.
  • Good Student – Getting good grades can earn a discount of 20% or more. The good student discount can last up until you turn 25.
  • New Car Discount – Insuring a new car can save up to 30% since new cars are generally safer.

It’s important to note that some credits don’t apply to all coverage premiums. Most only apply to specific coverage prices like collision or personal injury protection. So when it seems like you could get a free auto insurance policy, it just doesn’t work that way.

A partial list of companies that may have some of the above discounts are:

Check with all companies you are considering what discounts are available to you. All car insurance discounts might not apply everywhere.

Volkswagen Tiguan rate determination is complex

Smart consumers have a good feel for the factors that go into determining car insurance rates. Understanding what influences your rates empowers consumers to make smart changes that will entitle you to lower car insurance prices.

  • How your age affects price – Mature drivers are more cautious drivers, file fewer claims and receive fewer citations. Young drivers tend to be careless and easily distracted in a vehicle therefore car insurance rates are much higher.
  • Where you reside plays a part – Being located in small towns and rural areas can save you money when talking about car insurance. City drivers tend to have traffic congestion and much longer commute distances. Fewer people translates into fewer accidents and also fewer theft and vandalism claims.
  • Higher deductibles cost less – The deductibles represent how much money you are required to spend out-of-pocket in the event of a claim. Physical damage insurance, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Examples of covered claims would be colliding with a building, vandalism, or theft. The more you’re willing to pay, the less your car insurance will be on Tiguan insurance.
  • Optional equipment can affect rates – Choosing a vehicle that has an advanced theft prevention system can save you a little every year. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart auto theft.
  • How many coverages with the same company – Many insurers provide better rates to insureds who consolidate policies with them in the form of a multi-policy discount. Even though this discount sounds good, it’s in your best interest to comparison shop to make sure you are getting the best deal. You may still find a better deal by buying insurance from more than one company.
  • Policy add-ons can waste money – There are a ton of additional coverages that can waste your money on your car insurance policy. Coverages for personal injury protection, accident forgiveness and additional equipment coverage are examples of these. They may seem like a good idea at first, but now you might not need them so eliminate them to save money.
  • Tickets mean higher rates – A bad driving record has a lot to do with how much you pay for insurance. Good drivers tend to pay less for car insurance than their less careful counterparts. Just one ticket can increase rates by twenty percent. If you have dangerous violations such as DWI, reckless driving or hit and run convictions may find they need to file a SR-22 to the state department of motor vehicles in order to prevent a license revocation.
  • Are you male or female? – The statistics show that women are safer drivers than men. Now that doesn’t mean men are WORSE drivers than women. Women and men tend to get into accidents at a similar rate, but the men tend to have more serious accidents. Men also statistically receive more costly citations such as reckless driving.

Tailor your coverage to you

When buying the right insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Every situation is different.

For example, these questions may help highlight whether your personal situation might need professional guidance.

  • Do I need PIP (personal injury protection) coverage in my state?
  • Why am I required to buy liability insurance?
  • Am I covered if my car is in a flood?
  • What is no-fault insurance?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • If my pet gets injured in an accident are they covered?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form.

Do drivers who switch really save $425 a year?

Progressive, GEICO, Allstate and State Farm consistently run television and radio advertisements. All the companies say the same thing that you’ll save big if you change your coverage to them. How can each company claim to save you money?

All the different companies have a preferred profile for the type of customer that is profitable for them. For instance, a profitable customer might be between 25 and 40, a clean driving record, and has a short commute. A propective insured who matches those parameters will get very good rates and as a result will probably cut their rates substantially.

Consumers who do not match the “perfect” profile will be quoted higher rates and this can result in business not being written. The ads say “drivers who switch” not “everybody who quotes” save that much money. That is how insurance companies can claim big savings. This emphasizes why it’s extremely important to get as many quotes as possible. It’s impossible to know which insurance company will provide you with the cheapest Volkswagen Tiguan insurance rates.

Insurance coverage specifics

Having a good grasp of insurance can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive coverages – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hail damage, damage from getting keyed, hitting a bird, fire damage and damage from a tornado or hurricane. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability car insurance – This will cover damage that occurs to people or other property that is your fault. This coverage protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things like funeral expenses, repair costs for stationary objects and legal defense fees. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Uninsured and underinsured coverage – This provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision – This will pay to fix damage to your Tiguan from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as crashing into a ditch, crashing into a building, damaging your car on a curb, driving through your garage door and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Coverage for medical payments – Coverage for medical payments and/or PIP pay for expenses such as hospital visits, dental work, EMT expenses and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

A little work can save a LOT of money

Cheaper 2015 Volkswagen Tiguan insurance is possible both online in addition to many insurance agents, and you should compare price quotes from both to have the best selection. Some companies do not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.

When shopping online for auto insurance, it’s not a good idea to buy poor coverage just to save money. There have been many cases where drivers have reduced liability limits or collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy the best coverage you can find at a price you can afford while still protecting your assets.

Insureds switch companies for a number of reasons such as high prices, poor customer service, not issuing a premium refund and denial of a claim. Regardless of your reason, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

For more information, take a look at the resources below: