View 2013 Volkswagen Touareg Car Insurance Rates

Want lower insurance rates for your Volkswagen Touareg? Are you confused by the dozens of insurance sources available to you? You have so many options that it can easily turn into more work than you anticipated to lower your rates.

It’s a good idea to shop coverage around yearly because insurance prices are rarely the same from one policy term to another. Just because you had the best price for Touareg coverage at your last renewal you will most likely find a better rate today. Forget anything you know (or think you know) about insurance because you’re about to learn the best methods to lower your rates without sacrificing coverage.

How you can control Volkswagen Touareg insurance costs

Consumers need to have an understanding of the rating factors that come into play when calculating your policy premiums. If you have some idea of what positively or negatively impacts your premiums, this empowers consumers to make smart changes that will entitle you to lower insurance prices.

  • Safer cars mean better premiums – Safe vehicles tend to have better insurance rates. These vehicles reduce the chance of injuries and fewer serious injuries translates into savings for insurance companies and more competitive rates for policyholders.
  • Cheaper rates after marriage – Getting married may save some money on insurance. It means you’re more mature than a single person and statistics show being married results in fewer claims.
  • Gender matters – Over the last 50 years, statistics have shown that females tend to be a little less risky than males. This data doesn’t prove that men are WORSE drivers than women. Females and males are responsible for at-fault accidents in similar percentages, but males cause more damage and cost insurance companies more money. Men also statistically get higher numbers of serious violations such as reckless driving. Males from age 16 to 21 have the highest risk to insure and therefore pay the highest rates.
  • Multiple policies with one company can save – Many companies will give lower prices to buyers who carry more than one policy. It’s known as a multi-policy discount. Discounts can be as much as ten percent or more Even with this discount, it’s in your best interest to comparison shop to help guarantee you have the best rates.
  • The more you drive the more you pay – The higher the mileage driven every year the more you’ll pay to insure it. Most companies calculate rates based on how the vehicle is used. Cars left parked in the garage can get a lower rate than vehicles that are driven to work every day. Improper usage on your Touareg may be costing you higher rates. Double check that your policy properly reflects the correct usage for each vehicle.
  • Increase deductibles and save – Insurance for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your Volkswagen. A few examples of covered claims are a windshield shattered by a rock, flood damage, and having your car stolen. Physical damage deductibles define the amount you are willing to pay before your insurance pays a claim. The more money you have to pay, the less money you will pay for insurance for Touareg coverage.
  • Costs increase with policy add-ons – Insurance companies have many additional extra coverages that you can get tricked into buying on your insurance policy. Coverages like replacement cost coverage, towing coverage, and Farm Bureau memberships may be wasting your money. These coverages may sound good when talking to your agent, but now you might not need them so eliminate the coverages to reduce your premium.

How to shop auto insurance online

When shopping for cheaper insurance quotes, there are a couple of ways to obtain and compare prices from many available auto insurance companies in your state. The recommended way to find the cheapest 2013 Volkswagen Touareg insurance rates is to perform an online rate comparison. It’s really quite simple and can be done in a couple of different ways.

Probably the best way to find the lowest comparison rates is to use a rate comparison form like this one (opens in new window). This easy form prevents you from having to do a different quote for every company. One simple form gets coverage cost estimates from several companies. This is by far the quickest method.

A more time consuming way to get quotes online requires visiting each individual company website and fill out their own quote form. For instance, let’s say you want comparison quotes from Nationwide, Progressive and State Farm. You would be required to navigate to each company’s site and repeatedly enter your information, which is why first method is reommended.

For a handy list of car insurance company links in your area, click here.

Whichever method you choose, make darn sure you compare nearly identical quote information on every quote you get. If you have differing limits it will be impossible to make a fair rate comparison. Even a minor difference in coverage limits may result in a large different in cost. Just keep in mind that more quotes will enable you to find a lower rate.

Switch companies and save? Really?

Companies like Progressive, Allstate and GEICO regularly use television, radio, and online ads. All the ads make the same claim about saving some big amount if you just switch your coverage. It sounds good, but how can they all save you money? Here is the trick they use.

Most companies require specific criteria for the type of insured they prefer to insure. One example of a profitable risk profile might be described as a married female, has a clean driving record, and the vehicle is rated for pleasure use. Anyone who matches those parameters receives the best premium rates and will most likely cut their rates substantially.

Drivers who don’t qualify for these standards may be required to pay higher premiums with the end result being business not being written. If you listen to the ad wording, they say “drivers that switch” but not “everyone who gets a quote” save that much. That’s the way companies can truthfully make claims like that. Because of these techniques, you need to do a rate comparison at every renewal. It is just not possible to predict which company will have the lowest rates.

Cheap car insurance quotes with discounts

Car insurance is expensive, but you may be missing some discounts to cut the cost considerably. Certain credits will be shown at quote time, but a few need to be manually applied in order for you to get them.

  • Student Driver Training – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education as it will make them better drivers and lower rates.
  • Good Students Pay Less – A discount for being a good student can save 20 to 25%. Earning this discount can benefit you up until you turn 25.
  • Defensive Driver – Taking a defensive driver class could possibly earn you a 5% discount and easily pay for the cost of the class.
  • Discount for Low Mileage – Low annual miles may enable drivers to earn slightly better prices than normal.
  • Air Bags and Passive Restraints – Factory options such as air bags can receive discounts of 25 to 30%.

It’s important to note that most discounts do not apply to the overall cost of the policy. Most only cut specific coverage prices like medical payments or collision. So when the math indicates all the discounts add up to a free policy, you won’t be that lucky.

Large car insurance companies and their possible discounts are included below.

  • AAA offers discounts including anti-theft, multi-policy, AAA membership discount, good student, good driver, and pay-in-full.
  • Progressive offers discounts for continuous coverage, good student, online signing, online quote discount, homeowner, and multi-policy.
  • State Farm has discounts for good student, safe vehicle, Drive Safe & Save, student away at school, multiple autos, accident-free, and good driver.
  • Esurance may offer discounts for good student, Switch & Save, multi-car, online quote, safety device, DriveSense, and online shopper.
  • Nationwide offers premium reductions for family plan, accident-free, Farm Bureau membership, business or organization, good student, defensive driving, and anti-theft.

Double check with each company how you can save money. Some discounts listed above might not be available to policyholders in your state. To see insurers that offer multiple discounts, click this link.

Tailor your insurance coverage coverage to you

When buying the right insurance coverage, there really is no “best” method to buy coverage. Everyone’s needs are different.

Here are some questions about coverages that can help discover if your situation might need an agent’s assistance.

  • Why is insurance for a teen driver so high?
  • Am I covered if I break a side mirror?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • I have a DUI can I still get coverage?
  • Am I covered if I crash into my own garage door?
  • Is my teenager covered with friends in the car?

If you can’t answer these questions, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form.

The coverage is in the details

Knowing the specifics of car insurance can be of help when determining appropriate coverage and proper limits and deductibles. Car insurance terms can be confusing and coverage can change by endorsement.

Collision insurance

Collision insurance pays for damage to your Touareg caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as crashing into a building, colliding with a tree and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as nursing services, dental work, surgery, chiropractic care and prosthetic devices. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like fire damage, damage from flooding, rock chips in glass and theft. The most your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability coverages

This coverage can cover injuries or damage you cause to people or other property in an accident. It protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like attorney fees, medical services, bail bonds and loss of income. How much coverage you buy is your choice, but buy as large an amount as possible.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and damage to your Volkswagen Touareg.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Take this to the bank

You just learned a lot of ways to lower your 2013 Volkswagen Touareg insurance car insurance rates. The key thing to remember is the more rate quotes you have, the better your comparison will be. You may even find the best car insurance rates are with a smaller regional carrier.

Drivers switch companies for any number of reasons including not issuing a premium refund, an unsatisfactory settlement offer, extreme rates for teen drivers or even questionable increases in premium. No matter why you want to switch, choosing a new insurance company is easier than you think.

Budget-friendly insurance coverage can be bought on the web and also from your neighborhood agents, so you should compare both so you have a total pricing picture. Some insurance providers may not offer online rate quotes and most of the time these small, regional companies prefer to sell through independent agents.

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