2013 Volkswagen Tiguan Insurance Rates

Trying to find cheaper auto insurance rates for your Volkswagen Tiguan? Nobody anticipates paying for auto insurance, particularly when their premiums are through the roof.

Online insurance companies like State Farm, Progressive and Geico constantly bombard you with fancy advertisements and consumers find it hard to see past the corporate glitz and find the best price available.

It’s smart to get comparison quotes occasionally because insurance prices change regularly. Even if you think you had the lowest quotes on Tiguan insurance a couple years back you can probably find a lower rate today. There is a lot of wrong information about auto insurance online, but in a few minutes you can learn the best ways to slash your auto insurance rates.

If you currently have a car insurance policy, you will be able to lower your premiums substantially using these methods. Finding affordable coverage is easy if you know what you’re doing. But consumers must learn how insurance companies sell online.

Compare insurance coverage quotes online

All the larger insurance coverage companies like State Farm, Allstate and Geico allow consumers to get prices on their websites. Getting online rates is pretty painless because you just enter the amount of coverage you want as detailed in the form. Behind the scenes, the quote system requests information on your driving record and credit history and returns a price quote. Online price quotes makes it a lot easier to compare rates but the work required to visit many different websites and type in your information can be a bit tiresome and repetitive. But it’s absolutely necessary to perform this step in order to get lower prices.

Compare rates the easy way

A less time-consuming method to find cheaper rates requires only one form to get prices from a lot of companies. It saves time, requires much less work on your part, and makes rate comparisons much more enjoyable. Immediately after you send the form, your coverage is rated and you can select any or none of the returned quotes. If the quotes result in lower rates, you can click and sign and buy the new coverage. This process just takes a couple of minutes and may result in a nice savings.

If you want to find out if lower rates are available, click here and enter your information. If you have your current policy handy, we recommend you enter your coverages identical to your current policy. This way, you will have a rate comparison based on identical coverages.

Slash your car insurance rates with discounts

Car insurance is not inexpensive, but you might find some hidden discounts to reduce the price significantly. A few discounts will be applied at quote time, but a few must be manually applied prior to receiving the credit.

  • Theft Prevention System – Vehicles that have factory alarm systems and tracking devices help deter theft and qualify for as much as a 10% discount.
  • Save with a New Car – Insuring a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Air Bag Discount – Factory air bags and/or automatic seat belt systems can receive discounts as much as 30%.
  • Student Driver Training – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education as it will make them better drivers and lower rates.
  • Military Discounts – Being on active deployment in the military may lower your rates slightly.
  • Early Switch Discount – A few larger companies give discounts for switching to them early. Ten percent is about the average savings.
  • 55 and Retired – Older drivers can possibly qualify for a discount up to 10% on Tiguan insurance.
  • Defensive Driver – Taking a defensive driving course could earn you a small percentage discount depending on where you live.
  • Use Seat Belts – Drivers who require all occupants to fasten their seat belts can save 10% or more on medical payment and PIP coverage.

A little disclaimer on discounts, most discount credits are not given to all coverage premiums. Most only apply to the price of certain insurance coverages like liability and collision coverage. Even though the math looks like you can get free auto insurance, companies wouldn’t make money that way. But all discounts will reduce your car insurance premiums.

A few companies that have most of the discounts above include:

When getting a coverage quote, ask all companies you are considering which discounts you may be entitled to. Some of the earlier mentioned discounts might not apply in your area. To locate companies that offer some of these discounts, click here.

You are unique and your car insurance should be too

When it comes to choosing proper insurance coverage, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that can help discover if your situation would benefit from professional advice.

  • Is my ex-spouse still covered by my policy?
  • Is my nanny covered when driving my vehicle?
  • What should my uninsured motorist coverage limits be in my state?
  • Should I rate my 2013 Volkswagen Tiguan as pleasure use or commute?
  • Can my teen driver be rated on a liability-only vehicle?
  • Do I have coverage when pulling a U-Haul trailer?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

You can change your insurance rates

It’s important that you understand the different types of things that go into determining car insurance rates. If you know what controls the rates you pay, this enables you to make decisions that may result in big savings. Lots of things are used in the calculation when premium rates are determined. Some factors are common sense such as traffic violations, although some other factors are less obvious such as whether you are married or your commute time.

Shown below are some of the items used by insurance companies to determine your prices.

  • Where do you drive? – The more you drive in a year’s time the higher your rates will be. Almost all companies charge rates based on their usage. Cars that have low annual miles can be on a lower rate level than vehicles that have high annual mileage. Improper usage on your Tiguan may be costing you higher rates. It’s always a good idea to double check that your car insurance policy states the correct driver usage.
  • Better drivers pay less – A bad driving record impacts your car insurance rates tremendously. Attentive drivers receive lower rates than people who have multiple driving citations. Getting just one citation may increase your cost by as much as twenty percent. Drivers with multiple violations like reckless driving or DUI may find they need to complete a SR-22 with their state’s department of motor vehicles in order to prevent their license from being revoked.
  • Bundle policies and save – Most larger companies apply lower prices to clients that buy multiple policies such as combining an auto and homeowners policy. The discount can add up to as much as ten percent or more Even though this discount sounds good, it’s in your best interest to comparison shop to help ensure you have the lowest rates.
  • How your age affects prices – Teen drivers are statistically proven to be careless and easily distracted with other occupants in the car so they pay higher car insurance rates. Older, more experienced drivers are shown to be more cautious, tend to file fewer claims and tend to be get fewer driving tickets.
  • Marriage discount – Having a spouse may earn you lower rates on car insurance. Marriage may mean you are more stable financially and statistics prove drivers who are married file infrequent claims.
  • City dwellers may pay more – Having an address in less populated areas of the country can be a good thing when buying car insurance. Less people living in that area means fewer accidents. City drivers have to deal with more traffic problems and longer commutes to work. Higher commute times statistically corresponds to a higher accident and claim rate.

Big brands don’t always mean big savings

Respected companies like State Farm, Allstate and Geico regularly use ads on television and other media. They all convey the message that drivers can save some big amount just by moving your coverage. It sounds good, but how can they all cost less than your current company? This is the way they can do it.

Insurance companies have underwriting criteria for the type of customer that will generate a profit. One example of a profitable customer may be over the age of 45, carries high limits, and drives less than 5,000 miles a year. Any new insured that matches those criteria will get low car insurance rates and will pay quite a bit less when switching companies.

People who fall outside the “perfect” profile may be required to pay a more expensive rate and ends up with business going elsewhere. The ads say “customers that switch” but not “everyone who gets a quote” save the amount stated. This is how companies can truthfully make the claims of big savings. This really illustrates why you should compare quotes as often as possible. You cannot predict with any certainty which company will have the lowest rate quotes.

Auto insurance coverage information

Knowing the specifics of your policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages found on the average car insurance policy.

Liability car insurance

Liability insurance protects you from damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like loss of income, repair costs for stationary objects, emergency aid and court costs. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills like funeral costs, ambulance fees, doctor visits, rehabilitation expenses and prosthetic devices. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hail damage, falling objects, a broken windshield, damage from getting keyed and theft. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

UM/UIM Coverage

This coverage gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Auto collision coverage

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

Collision can pay for claims like crashing into a ditch, crashing into a building and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Have the Midas touch

As you prepare to switch companies, never buy poor coverage just to save money. There have been many situations where drivers have reduced collision coverage only to regret that it was a big mistake. The aim is to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

You just read quite a bit of information on how to reduce 2013 Volkswagen Tiguan insurance prices online. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your rates. Consumers could even find that the biggest savings come from a lesser-known regional company. They can often insure niche markets at a lower cost compared to the large companies like Allstate and Progressive.

A few companies do not provide rate quotes online and these smaller companies work with independent agents. Cheaper 2013 Volkswagen Tiguan insurance is available on the web in addition to local insurance agencies, so you should compare both to get a complete price analysis.

Additional insurance information is available below: