Lower Your 2009 Volkswagen Tiguan Insurance Cost

Paying for pricey Volkswagen Tiguan insurance can stress out your funds and make it tough to pay other bills. Many insurance companies compete for your insurance dollar, and it can be difficult to compare rates and get the definite best rates possible.

Are you getting every discount?

Insurance can cost an arm and a leg, but there may be some discounts that can help lower your rates. Larger premium reductions will be automatically applied when you get a quote, but some must be requested specifically prior to getting the savings.

  • Accident Free – Drivers who stay claim-free pay much less in comparison with accident-prone drivers.
  • Use Seat Belts – Drivers who require all occupants to fasten their seat belts can save 10% or more on the premium charged for medical payments and/or PIP.
  • Driving Data Discount – Insureds that choose to allow driving data submission to monitor driving patterns by installing a telematics device like Allstate’s Drivewise might see lower rates if their driving habits are good.
  • Discounts for Safe Drivers – Safe drivers can save as much as half off their rates on Tiguan coverage as compared to drivers with claims.
  • Anti-theft System – Anti-theft and alarm system equipped vehicles are stolen less frequently and earn discounts up to 10% off your car insurance quote.
  • ABS Brakes – Vehicles that have anti-lock braking systems prevent accidents and earn discounts up to 10%.
  • Passenger Safety Discount – Factory options such as air bags could see savings up to 30%.
  • College Student Discount – College-age children who live away from home to go to college and do not have access to a covered vehicle may be insured at a cheaper rate.
  • Multiple Cars – Having multiple vehicles with one company can get a discount on all vehicles.
  • Discount for New Cars – Adding a new car to your policy can save you some money since newer vehicles are generally safer.

As a disclaimer on discounts, most credits do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as medical payments or collision. So despite the fact that it appears having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy. Any amount of discount will lower the cost of your policy.

A few of the larger companies and a partial list of their discounts are shown below.

  • State Farm has discounts for defensive driving training, Drive Safe & Save, safe vehicle, anti-theft, passive restraint, and good student.
  • Progressive offers discounts including homeowner, multi-vehicle, continuous coverage, multi-policy, and good student.
  • Progressive may include discounts for multi-vehicle, online signing, good student, homeowner, online quote discount, continuous coverage, and multi-policy.
  • MetLife may offer discounts for accident-free, claim-free, good student, defensive driver, multi-policy, good driver
  • Farm Bureau offers discounts for driver training, youthful driver, multi-vehicle, 55 and retired, multi-policy, and good student.
  • Geico offers premium reductions for multi-policy, federal employee, military active duty, anti-lock brakes, and seat belt use.
  • SAFECO policyholders can earn discounts including teen safe driver, bundle discounts, teen safety rewards, accident prevention training, homeowner, safe driver, and anti-lock brakes.

If you need cheap car insurance quotes, ask each company how you can save money. Some discounts listed above may not apply in your area. To choose providers with the best insurance discounts, click here to view.

Decisions you make can impact your insurance premiums

Many things are taken into consideration when premium rates are determined. A few of the factors are predictable such as traffic violations, although others are more obscure like your vehicle usage or your vehicle rating.

  • Put fewer miles on your vehicle – The more you drive your Volkswagen every year the more you’ll pay to insure it. Many insurance companies calculate rates based upon how much you drive. Cars that do not get driven very much get more affordable rates than cars that get driven a lot. Verify your policy states how each vehicle is driven. An incorrectly rated Tiguan can cost quite a bit.
  • Pay more if you have a long commute – Being located in smaller towns and rural areas of the country has definite advantages when buying auto insurance. Fewer people translates into fewer accident claims. Urban drivers regularly have congested traffic and a longer drive to work. Higher commute times means a statistically higher chance of an accident.
  • A lauto insurance lapse is a bad thing – Driving without insurance coverage in place can get your license suspended and companies may charge more for letting your coverage have a gap. Not only will you pay higher rates, getting caught without coverage may result in a fine, jail time, or a revoked license.
  • Women pay lower costs – Statistics show females are less aggressive when driving. It does not mean males are worse at driving than females. Men and women are in accidents at about the same rate, but men have costlier accidents. Men also tend to get ticketed for serious violations like reckless driving and DUI.

When in doubt talk to an agent

When choosing the best auto insurance coverage, there really is not a perfect coverage plan. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions can aid in determining whether you might need an agent’s assistance.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • What is the rate difference between pleasure use and commuting?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do I have coverage for damage caused while driving under the influence?
  • Should I waive the damage coverage when renting a car?
  • Do I need roadside assistance coverage?
  • Am I covered when driving on a suspended license?
  • Do I need medical payments coverage since I have good health insurance?
  • Is my teenager covered with friends in the car?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Save $381 a year! What?

Consumers can’t escape the ads that claim the best rates by companies like State Farm, Geico and Progressive. They all have a common claim about savings if you get a free car insurance quote and switch to their company.

How is it plausible that every one can lower your rates? You have to listen carefully.

Insurance companies require specific criteria for the driver that makes them money. A good example of a desirable insured could be a married male, has other policies, and drives a vehicle with a low ISO rating. Anyone who fits those characteristics will most likely get cheap car insurance rates and will most likely save if they switch.

Insureds who don’t qualify for these criteria will be quoted higher prices and this can result in the customer not buying. If you pay close attention to the ads, they say “customers that switch” not “everybody who quotes” save money. This is how companies can truthfully advertise the savings. This really emphasizes why drivers must get as many free car insurance quotes as possible. It’s impossible to know with any certainty which company will provide the lowest prices.

Specifics of your insurance policy

Learning about specific coverages of a insurance policy aids in choosing appropriate coverage for your vehicles. Insurance terms can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverages available from insurance companies.

Liability car insurance

Liability insurance can cover damage or injury you incur to a person or their property in an accident. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things like pain and suffering, structural damage, loss of income, repair bills for other people’s vehicles and funeral expenses. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for collisions

This pays for damage to your Tiguan from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like crashing into a ditch, crashing into a building, driving through your garage door and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for expenses like ambulance fees, rehabilitation expenses, prosthetic devices, dental work and funeral costs. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as hail damage, vandalism and theft. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Feed the piggy bank

In this article, we presented some good ideas how to reduce 2009 Volkswagen Tiguan insurance rates online. The key concept to understand is the more quotes you get, the higher your chance of finding the cheapest car insurance. You may be surprised to find that the lowest priced auto insurance comes from some of the lesser-known companies. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as Progressive or Geico.

When you buy car insurance online, make sure you don’t buy lower coverage limits just to save a few bucks. In too many instances, an insured cut comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. Your strategy should be to buy enough coverage at the best possible price, but do not sacrifice coverage to save money.

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