2017 Volkswagen Tiguan Limited Insurance Quotes – 9 Tips for Cheapest Rates

Searching for lower insurance rates for your Volkswagen Tiguan Limited? If you’re trying to find lower-priced insurance online, are you baffled by the wide range of insurance companies in your area? Vehicle owners have so many options that it is a chore to find the lowest price.

Earn discounts on insurance coverage

Insurance can cost an arm and a leg, but discounts can save money and there are some available to help offset the cost. Many discounts should be triggered when you get a quote, but once in a while a discount must be inquired about in order for you to get them.

  • Claim Free – Drivers who stay claim-free have much lower rates when compared with drivers who are more careless.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use their safety belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
  • Pay Early and Save – By paying your entire bill at once instead of making monthly payments you can avoid monthly service charges.
  • Discount for Passive Restraints – Vehicles with factory air bags or motorized seat belts can get savings of 20 to 30 percent.
  • Buy New and Save – Buying a new car instead of a used car is cheaper compared to insuring an older model.
  • Defensive Driver Discounts – Taking time to complete a course teaching safe driver skills could cut 5% off your bill and easily recoup the cost of the course.
  • E-sign – A handful of companies will discount your bill up to fifty bucks for signing up online.
  • College Student Discount – Youth drivers living away from home attending college and do not have a car may qualify for this discount.
  • Driver’s Ed – Have your child take driver’s ed class in school.

A little note about advertised discounts, most discount credits are not given the the whole policy. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. Just because you may think you could get a free insurance coverage policy, it’s just not the way it works.

A list of insurance coverage companies and their offered discounts include:

  • Farm Bureau offers premium reductions for safe driver, good student, 55 and retired, driver training, and renewal discount.
  • State Farm includes discounts for anti-theft, good driver, multiple autos, passive restraint, multiple policy, and accident-free.
  • Progressive has savings for continuous coverage, multi-policy, multi-vehicle, online quote discount, and homeowner.
  • Allstate offers discounts for economy car, eSmart discount, farm vehicle, FullPay discount, multi-policy, defensive driver, and safe driver.
  • Nationwide may have discounts that include good student, family plan, Farm Bureau membership, defensive driving, business or organization, multi-policy, and anti-theft.
  • MetLife has discounts for accident-free, good student, claim-free, multi-policy, and good driver.

If you need lower rates, check with each company to give you their best rates. A few discounts may not apply to policyholders in your area. To choose companies with discount rates, click this link.

Tailor your insurance coverage coverage to you

When choosing adequate coverage, there is no single plan that fits everyone. Each situation is unique.

Here are some questions about coverages that might point out if your situation may require specific advice.

  • How do I file an SR-22 for a DUI in my state?
  • Are rock chip repairs covered?
  • Why do I need rental car insurance?
  • Am I covered when driving on a suspended license?
  • Do I have coverage when using my vehicle for my home business?
  • Should I buy more coverage than the required minimum liability coverage?

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, take a second and complete this form.

Can switching companies really save?

Companies like Allstate, GEICO and Progressive endlessly run ads on TV and radio. All the companies say the same thing that drivers can save some big amount if you change your auto insurance policy to them. How does every auto insurance company say the same thing? This is the trick they use.

Companies quote their cheapest rates for the type of insured that will not have excessive claims. For instance, a profitable customer could be between the ages of 30 and 50, is a homeowner, and drives less than 5,000 miles a year. A customer that meets those criteria receive the lowest rate quotes and is almost guaranteed to cut their rates if they switch.

Consumers who do not meet this stringent profile may receive a higher premium which usually ends up with the customer not buying. The ads say “customers who switch” not “everyone who quotes” can get the lowest rates when switching. This is how insurance companies can confidently make claims like that.

That is why it is so important to get insurance quotes from several different companies. It is impossible to guess which auto insurance company will give you the biggest savings.

Insurance policy specifics

Learning about specific coverages of insurance helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Normally these limits are set the same as your liablity limits.

Comprehensive (Other than Collision)

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

Comprehensive can pay for claims like damage from getting keyed, fire damage, damage from a tornado or hurricane, falling objects and hail damage. The most a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage

This pays for damage to your Tiguan Limited 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 things like crashing into a ditch, scraping a guard rail, crashing into a building and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like nursing services, pain medications and dental work. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Auto liability

This protects you from damage that occurs to other people or property in an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for claims like court costs, pain and suffering, legal defense fees, loss of income and bail bonds. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

In the end, you save

You just learned many ideas to get a better price on 2017 Volkswagen Tiguan Limited insurance. The key thing to remember is the more you quote insurance, the better likelihood of getting low cost insurance. You may be surprised to find that the most savings is with a lesser-known regional company.

Consumers switch companies for any number of reasons including lack of trust in their agent, delays in responding to claim requests, policy cancellation and unfair underwriting practices. It doesn’t matter why you want to switch choosing a new insurance company can be easy and end up saving you some money.

Budget-friendly insurance is attainable on the web as well as from independent agents, so you need to shop insurance with both in order to have the best price selection to choose from. Some insurance companies may not have price quotes online and usually these smaller companies sell through local independent agencies.

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