Save on 2015 Volkswagen Tiguan Insurance Rates

Trying to find lower auto insurance rates? Buyers have many options when searching for the best price on Volkswagen Tiguan insurance. They can either waste time calling around trying to get quotes or utilize the internet to get rate quotes. There are both good and bad ways to shop for auto insurance so we’re going to tell you the proper way to compare rates for a Volkswagen and obtain the best price possible either online or from local insurance agents.

Get cheaper insurance coverage with discounts

Insurance can be prohibitively expensive, but there could be available discounts that you may not even know about. Larger premium reductions will be automatically applied at the time of quoting, but a few must be specifically requested in order for you to get them.

  • Telematics Devices – Insureds who allow driving data submission to track vehicle usage by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease as long as the data is positive.
  • Student in College – who attend college more than 100 miles from home and don’t have a car could qualify for this discount.
  • Life Insurance – Select companies reward you with a discounted insurance coverage rate on car insurance if you buy some life insurance in addition to your auto policy.
  • Discounts for Good Drivers – Insureds who avoid accidents could pay up to 40% less on Tiguan insurance compared to rates paid by drivers with frequent claims.
  • Discount for New Cars – Buying insurance on a new vehicle can be considerably cheaper because newer models have to meet stringent safety requirements.
  • No Claim Discounts – Good drivers with no accidents have much lower rates when compared with accident-prone drivers.
  • One Accident Forgiven – This one is not really a discount per se, but some insurance companies will let one accident slide without the usual rate increase if you are claim-free prior to the accident.
  • Defensive Driving Course – Participating in a course that instructs on driving safety could cut 5% off your bill and make you a better driver.
  • 55 and Retired – If you’re over the age of 55, you may be able to get a small discount on rates on Tiguan insurance.
  • Multi-Vehicle Discounts – Insuring multiple cars on one policy could earn a price break for each car.

It’s important to note that some credits don’t apply to the entire cost. A few only apply to specific coverage prices like liability and collision coverage. Despite the appearance that having all the discounts means you get insurance for free, companies don’t profit that way. But all discounts will positively reduce the amount you pay for coverage.

Auto insurance companies that possibly offer most of these discounts possibly include:

If you need lower rates, check with each company or agent the best way to save money. A few discounts might not apply in every state.

Tailor your car insurance coverage to you

When choosing the best car insurance coverage for your personal vehicles, there really is no one size fits all plan. Each situation is unique.

For example, these questions could help you determine if your situation may require specific advice.

  • How much liability coverage do I need in my state?
  • Is upholstery damage covered by car insurance?
  • Do I need more liability coverage?
  • Do I have coverage for damage caused while driving under the influence?
  • Why am I required to buy liability insurance?
  • Exactly who is provided coverage by my policy?
  • Is my teen driver covered when they drive my company car?
  • What vehicles should carry emergency assistance coverage?
  • Why am I required to buy high-risk coverage?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form. It is quick, free and can provide invaluable advice.

Insurance companies are expert advertisers

Consumers can’t ignore all the ads for insurance savings from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to convey the message about saving some big amount if you move your policy.

How can each company make almost identical claims? You have to listen carefully.

Insurance providers give the cheapest rates for the type of insured that will add to their bottom line. A good example of a profitable insured might be described as over the age of 40, is a homeowner, and drives newer vehicles. A propective insured who fits those characteristics will probably get cheap premium rates and have a good chance to save some money.

Insureds who fall short of those criteria will be charged more expensive rates and ends up with business not being written. If you listen closely, the ads state “drivers that switch” not “everyone that quotes” save money. That is how companies can advertise the savings. Each company has different criteria, so you need to get price quotes at each policy renewal. Because without a comparison, you cannot know which insurance companies will have the lowest rates.

Car insurance coverages explained

Having a good grasp of car insurance helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Auto liability – Liability insurance can cover damage that occurs to other people or property. This coverage protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 which means $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.

Liability insurance covers things such as court costs, loss of income, attorney fees and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Coverage for medical payments – Med pay and PIP coverage reimburse you for expenses such as nursing services, X-ray expenses and pain medications. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage – This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Volkswagen Tiguan.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive coverages – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as fire damage, a broken windshield, damage from flooding and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage – This pays for damage to your Tiguan caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things such as sustaining damage from a pot hole, hitting a mailbox, hitting a parking meter, colliding with another moving vehicle and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

In Summary

When buying insurance coverage, never sacrifice coverage to reduce premiums. There have been many cases where an insured cut full coverage only to find out that the few dollars in savings costed them thousands. The goal is to buy a smart amount of coverage at the best price, but don’t skip important coverages to save money.

Affordable 2015 Volkswagen Tiguan insurance can be found both online and from local agencies, so you need to quote auto insurance with both in order to have the best price selection to choose from. Some companies do not provide online quoting and usually these small, regional companies only sell through independent insurance agencies.

Throughout this article, we presented many tips how you can lower your 2015 Volkswagen Tiguan insurance rates. The key concept to understand is the more times you quote, the higher your chance of finding low cost auto insurance. Consumers could even find that the biggest savings come from the smaller companies.

More tips and info about insurance coverage can be read by following these links: