Save on 2017 Volkswagen Tiguan Limited Insurance Rates

I really doubt anyone likes having to buy car insurance, especially when they are aware that the cost is too high. You have multiple car insurance companies to insure vehicles with, and even though it’s nice to have a selection, it can be more difficult to find a good deal.

It’s a great practice to quote other rates every six months since prices tend to go up over time. Despite the fact that you may have had the best rates for Tiguan Limited coverage six months ago you can probably find a lower rate today. Ignore everything you know about car insurance because you’re about to find out how to use the internet to lower your rates without sacrificing coverage.

Lower-cost insurance quotes with discounts

Some companies do not advertise their entire list of discounts very well, so the following list contains a few of the more well known and the harder-to-find discounts that may be available.

  • Seat Belts Save – Requiring all passengers to buckle up before driving can save up to 15% on the premium charged for medical payments and/or PIP.
  • Save over 55 – Seniors can possibly qualify for a discount up to 10% for Tiguan Limited coverage.
  • Multi-policy Discount – When you combine your homeowners and auto insurance and place coverage with the same company you will save approximately 10% to 15%.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can stop better under adverse conditions and will save you 10% or more.
  • Student Discount for Driver Training – Teen drivers should complete a driver education course in high school.

Discounts lower rates, but most discount credits are not given to your bottom line cost. Most only cut individual premiums such as medical payments or collision. Even though it appears having all the discounts means you get insurance for free, it doesn’t quite work that way.

Large insurance companies and the discounts they provide are included below.

  • State Farm includes discounts for defensive driving training, student away at school, passive restraint, Drive Safe & Save, and good student.
  • Farmers Insurance may have discounts that include alternative fuel, pay in full, electronic funds transfer, teen driver, and youthful driver.
  • Progressive discounts include good student, multi-policy, multi-vehicle, online quote discount, and continuous coverage.
  • Geico policyholders can earn discounts including air bags, membership and employees, multi-policy, military active duty, driver training, anti-lock brakes, and defensive driver.
  • Auto-Owners Insurance offers discounts for multi-policy, mature driver, good student, safe driver, multiple vehicles, and student away at school.
  • The Hartford may offer discounts for good student, vehicle fuel type, bundle, air bag, and defensive driver.
  • Farm Bureau offers discounts including good student, driver training, multi-vehicle, renewal discount, youthful driver, multi-policy, and safe driver.
  • USAA has discounts for multi-policy, military installation, annual mileage, driver training, family discount, and good student.

When quoting, ask every insurance company how many discounts you can get. Some of the earlier mentioned discounts may not apply in your area. To view providers who offer free insurance quotes, click this link.

Informed consumers can lower their insurance premiums

A large part of saving on auto insurance is knowing some of the things that play a part in calculating auto insurance rates. When you understand what positively or negatively impacts your premiums, this allows you to make good choices that may result in lower premium levels. Many factors are taken into consideration when you get a price on insurance. Some of the criteria are obvious like a motor vehicle report, although others are not as apparent like your continuous coverage or your commute time.

  • Five star safety rating saves money – Safer cars tend to have better insurance rates. These vehicles reduce the chance of injuries and lower rates of occupant injuries means less money paid by your insurance company and cheaper rates on your policy. If your Volkswagen Tiguan Limited scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Drive less and get lower costs – The higher the mileage driven in a year the more it will cost to insure it. A lot of insurance companies calculate prices based upon how the vehicle is primarily used. Cars that are left in the garage can get a lower rate than those that get driven frequently. Ask your agent if your auto insurance coverage properly reflects how each vehicle is driven. An incorrectly rated Tiguan Limited is just wasting money.
  • Teenage drivers pay high premiums – Inexperience drivers are statistically proven to be easily distracted when driving with friends so auto insurance rates are higher. Parents adding a teen driver onto your auto insurance can break the bank. Older drivers are more cautious drivers, cost insurance companies less in claims , and usually have better credit.
  • Combine and save – Lots of companies give a discount to people that purchase more than one policy. It’s known as a multi-policy discount. This can amount to ten or even up to twenty percent in some cases. Even if you’re getting this discount it’s still a good idea to check prices from other companies to ensure the best deal. Drivers may still find lower rates even if you insure with multiple companies
  • Physical damage deductibles are a factor – Your deductibles tell how much the insured will be required to pay before a claim is paid by your company. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. A few examples of covered claims are rearending another vehicle, damage from fire, and damage caused by road hazards. The more money you have to pay, the less money you will pay for auto insurance for Tiguan Limited coverage.
  • Driving citations inflate costs – Having just one citation may cause rates to rise to the point where it’s not affordable. Drivers who don’t get tickets have lower premiums than their less careful counterparts. Drivers with severe violations such as DUI or reckless driving are required to maintain a SR-22 with their state motor vehicle department in order to keep their license.

Tailor your insurance coverage coverage to you

When buying the best insurance coverage coverage, there really is no perfect coverage plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions may help you determine if your situation would benefit from professional advice.

  • Does my insurance cover my expensive audio equipment?
  • When can my company non-renew my policy?
  • Why am I required to buy high-risk coverage?
  • Is my Volkswagen Tiguan Limited covered if I use it for business?
  • Is my custom paint covered by insurance?
  • Do I pay less for low miles?
  • Will my rates increase for filing one claim?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Car insurance ads are enticing

Consumers can’t escape the ads for car insurance savings from companies such as State Farm, Allstate and Geico. All the ads say the same thing about how much you will save if you switch to them.

How does every car insurance company make the same claim? It’s all in the numbers.

Car insurance companies have specific guidelines for a prospective insured that earns them a profit. For instance, a driver they prefer might have to be a female over age 40, has no prior claims, and drives a safe vehicle. A customer that hits that “sweet spot” gets the lowest prices as well as cut their rates if they switch.

Potential insureds who don’t qualify for those criteria will probably have to pay higher rates and ends up with the customer not purchasing. The trick companies use is to say “customers that switch” not “everyone who quotes” save that much when switching. That’s the way companies can truthfully lure you into getting a quote.

Each company has different criteria, so you absolutely need to get price quotes at each policy renewal. It’s just not possible to know which car insurance company will be your best fit.

Specifics of your auto insurance policy

Knowing the specifics of your policy can be of help when determining the right coverages and the correct deductibles and limits. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy. Shown next are the usual coverages offered by auto insurance companies.

Comprehensive or Other Than Collision – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like fire damage, damage from a tornado or hurricane, hitting a bird, falling objects and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage – This coverage pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like scraping a guard rail, backing into a parked car, colliding with a tree and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Coverage for liability – This coverage protects you from damage or injury you incur to a person or their property. This coverage protects you from legal claims by others. 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. As an example, you may have policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like court costs, pain and suffering, attorney fees, repair costs for stationary objects and bail bonds. How much coverage you buy is a personal decision, but buy higher limits if possible.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as rehabilitation expenses, EMT expenses, prosthetic devices and pain medications. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

UM/UIM Coverage – This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Normally these limits are similar to your liability insurance amounts.

Get your money’s worth

There are still a few companies who do not provide price quotes online and many times these smaller providers work with local independent agents. Low-cost 2017 Volkswagen Tiguan Limited insurance is possible both online and also from your neighborhood agents, and you should compare rates from both so you have a total pricing picture.

When getting car insurance quotes online, don’t be tempted to skimp on critical coverages to save a buck or two. There have been many situations where drivers have reduced collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

More learning opportunities