Compare 2009 Volkswagen Tiguan Car Insurance Quotes

Finding low-cost insurance for a Volkswagen Tiguan can be an all-consuming task, but you can follow our insurance coverage buying tips to make it easier.

There is a right way and a wrong way to find insurance coverage online and we’ll show you the absolute fastest way to compare rates for your Volkswagen and obtain the best price possible.

It’s important to price shop coverage occasionally since insurance rates change regularly. Just because you found the lowest premium rates on Tiguan insurance a few years ago a different company probably has better prices today. Ignore everything you know about insurance coverage because you’re going to get a crash course in the fastest way to save money, get proper coverage and the best rates.

How to compare insurance quotes

Finding low cost 2009 Volkswagen Tiguan insurance prices is not rocket science. The only thing you need to do is take time comparing rate quotes to find out which insurance company has the cheapest insurance coverage quotes. Rate comparisons can be done in a couple of different ways.

The best way consumers can make multiple comparisons is a comparison rater form like this one (opens in new window). This type of form saves time by eliminating boring form submissions for each company you want a rate for. One quote request will return quotes from multiple low-cost companies. Just one form and you’re done.

A slightly less efficient method to obtain and compare quotes online is spending the time to visit the website for each individual company and go through the quote process again. For sake of this example, we’ll pretend you want to compare USAA, 21st Century and Liberty Mutual. You would be required to take the time to go to each site and enter your information, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.

If you have time to kill, the last way to get rate quotes is driving around to and from local insurance agencies. Comparing rates online reduces the need to sit down with an agent unless your situation requires the advice and guidance that can only be provided by a licensed insurance agent. Drivers can obtain prices from the web but have a local agent actually write the policy.

It’s up to you how you get prices quotes, just be sure you’re using equivalent coverage limits and deductibles with each company. If your comparisons have different coverage information you will not be able to determine which company has the best rates.

When in doubt talk to an agent

When buying the right insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s situation is a little different.

For example, these questions might point out if your situation might need an agent’s assistance.

When would I need additional glass coverage?
Do I need PIP coverage since I have good health insurance?
What is roadside assistance coverage?
Why do I need rental car insurance?
What is an SR-22 filing?
Am I covered if I wreck a rental car?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form. It’s fast, free and may give you better protection.

Auto insurance 101

Knowing the specifics of your policy helps when choosing the best coverages for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for immediate expenses such as doctor visits, EMT expenses and dental work. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive insurance

This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hail damage, hitting a bird, damage from a tornado or hurricane, fire damage and a broken windshield. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability

This coverage protects you from injuries or damage you cause to a person or their property that is your fault. It protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as emergency aid, repair bills for other people’s vehicles, structural damage and legal defense fees. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage

This 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 insurance covers claims such as colliding with another moving vehicle, rolling your car, crashing into a ditch and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Volkswagen Tiguan.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these limits are similar to your liability insurance amounts.