Cheaper 2014 Volkswagen Tiguan Car Insurance Quotes

Looking for lower auto insurance rates for your Volkswagen Tiguan? Are you overwhelmed by the wide range of auto insurance company choices? You’re not alone. Consumers have so many options available that it can turn into a challenge to find the best price.

The purpose of this article is to teach you how to effectively get price quotes and some tricks to saving. If you have car insurance now, you should be able to reduce your rates substantially using these methods. But drivers need to learn the way companies sell online and use this information to your advantage.

More discounts equal less premium

Insurance can cost an arm and a leg, but there are discounts available to cut the cost considerably. Most are applied at the time you complete a quote, but some must be asked for prior to getting the savings.

  • Senior Discount – If you qualify as a senior citizen, you can possibly qualify for better car insurance rates on Tiguan coverage.
  • Auto/Life Discount – Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
  • Early Switch Discount – Some companies give discounts for switching to them before your current policy expires. It’s a savings of about 10%.
  • Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% less on Tiguan coverage than less cautious drivers.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.
  • Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Auto/Home Discount – When you have multiple policies with one insurance company you may save at least 10% off all policies.
  • Federal Employees – Employees or retirees of the government could cut as much as 10% off on Tiguan coverage with select insurance companies.

As a disclaimer on discounts, most discounts do not apply to the entire cost. Some only apply to specific coverage prices like comp or med pay. Even though it may seem like you would end up receiving a 100% discount, companies don’t profit that way. Any amount of discount will cut the cost of coverage.

For a list of insurers offering car insurance discounts, click this link.

It’s not one size fits all

When it comes to buying coverage, there isn’t really a single plan that fits everyone. Each situation is unique.

For instance, these questions can help discover if your situation would benefit from professional advice.

  • Can I make deliveries for my home business?
  • What can I do if my company denied a claim?
  • Does my 2014 Volkswagen Tiguan qualify for pleasure use?
  • Does my insurance cover a custom paint job?
  • How do I insure my teen driver?
  • Do I benefit by insuring my home with the same company?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form.

Auto insurance coverage specifics

Learning about specific coverages of auto insurance aids in choosing the best coverages for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Coverage for medical expenses – Coverage for medical payments and/or PIP kick in for short-term medical expenses like funeral costs, rehabilitation expenses, chiropractic care and surgery. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Liability – Liability coverage can cover damage or injury you incur to other’s property or people that is your fault. It protects you against claims from other people. Liability doesn’t cover 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. Your policy might show policy limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like bail bonds, court costs, pain and suffering, repair costs for stationary objects and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

Collision – This coverage pays for damage to your Tiguan resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as backing into a parked car, sideswiping another vehicle, hitting a parking meter and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 2014 Volkswagen Tiguan.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Usually these coverages are set the same as your liablity limits.

Comprehensive auto insurance – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from a tornado or hurricane, vandalism, damage from flooding, damage from getting keyed and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

One last thing

You just read a lot of tips how to save on 2014 Volkswagen Tiguan insurance. The most important thing to understand is the more companies you get rates for, the better your comparison will be. You may even discover the biggest savings come from a small local company.

Affordable insurance is available both online in addition to many insurance agents, and you need to price shop both in order to have the best chance of saving money. Some companies do not provide the ability to get a quote online and these small insurance companies work with independent agents.

Insureds who switch companies do it for many reasons like high rates after DUI convictions, being labeled a high risk driver, lack of trust in their agent or high prices. Regardless of your reason for switching companies, finding a new auto insurance company can be easy and end up saving you some money.

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