2014 Volkswagen Tiguan Insurance Cost

No one in their right mind likes buying car insurance, in particular when the cost is too high.

Many car insurance companies vie for your business, so it’s not easy to compare every company to find the absolute best rates possible.

It’s a good idea to get comparison quotes every six months due to the fact that insurance prices trend upward over time. Just because you had the best deal on Tiguan insurance a few years ago you will most likely find a better premium rate today. You can find a lot of misleading information regarding car insurance on the internet, but in just a couple of minutes you can learn some excellent ideas to quit paying high car insurance rates.

Do you qualify for discount insurance coverage?

Companies offering auto insurance do not list every policy discount very well, so the next list breaks down a few of the more common and also the more inconspicuous credits available to bring down your rates.

  • Good Driver Discounts – Drivers who don’t get into accidents can save up to 40% or more on their insurance quote on Tiguan insurance compared to accident prone drivers.
  • Driver Safety – Successfully completing a course that instructs on driving safety could save 5% or more and easily pay for the cost of the class.
  • Passive Restraints – Factory options such as air bags or motorized seat belts could see savings of up to 25% or more.
  • Discount for New Cars – Adding a new car to your policy is cheaper because newer vehicles have to meet stringent safety requirements.
  • One Accident Forgiven – Not really a discount, but certain companies may permit one accident before your rates go up so long as you are claim-free for a specific time period.
  • Service Members Pay Less – Having a deployed family member could be rewarded with lower rates.
  • Theft Prevention System – Vehicles that have factory anti-theft systems are stolen with less frequency and that can save you a little bit as well.
  • Discount for Life Insurance – Some insurance companies give a discount if you purchase a life insurance policy as well.

Discounts save money, but please remember that some of the credits will not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. If you do the math and it seems like it’s possible to get free car insurance, nobody gets a free ride.

Insurance companies who may offer these money-saving discounts include:

If you are trying to find cheaper insurance quotes, ask every insurance company the best way to save money. A few discounts might not be offered in every state.

How to shop insurance coverage online

Comparing insurance coverage rates can be a daunting task if you don’t know the most efficient way to do it. You can waste a few hours (or days) talking about coverages with local insurance agents in your area, or you could use the web to get the quickest rates.

Many insurance companies belong to an insurance system that enables customers to submit one quote, and each participating company returns a competitive quote based on the submitted data. This saves time by eliminating quotation requests to every company. To submit your quote information now, click here to open in new window.

The only downside to pricing coverage this way is that consumers can’t choose which insurance companies you want to price. If you prefer to choose from a list of companies to compare rates, we have assembled a list of companies who write insurance coverage in your area. View list of insurance companies.

The method you choose is up to you, but do your best to enter the same deductibles and coverage limits for each price quote. If you use different liability limits it will be next to impossible to make a fair comparison for your Volkswagen Tiguan. Slightly different limits could mean much higher rates. It’s important to know that getting more free quotes helps increase your odds of locating more affordable insurance.

How insurers determine Volkswagen Tiguan insurance premiums

When buying insurance coverage it’s important to understand the rating factors that are used to determine the rates you pay for insurance coverage. When you know what positively or negatively determines base rates, this allows you to make educated decisions that may result in cheaper rates. Lots of things are taken into consideration when you quote your car insurance policy. Most are fairly basic like a motor vehicle report, but other factors are more obscure such as your marital status or how safe your car is.

  • Do you know you’re credit history? – Credit rating is a big factor in determining your rates. Insureds that have high credit ratings tend to file fewer claims than those with bad credit. Therefore, if your credit score can use some improvement, you could save money insuring your 2014 Volkswagen Tiguan if you clean up your credit.
  • More annual miles equals more premium – The more you drive your Volkswagen in a year the more you will pay for insurance coverage. Most companies calculate rates based upon how much you drive. Vehicles used primarily for pleasure use can get a lower rate than vehicles that have high annual mileage. A policy that improperly rates your Tiguan is just wasting money. Verify your vehicle rating states how each vehicle is driven.
  • Are you male or female? – Over the last 30 years, statistics show that females tend to be a little less risky than males. The data does not necessarily mean that females are better at driving than males. They both get in fender benders at about the same rate, but the male of the species have accidents that have higher claims. Not only that, but men also get more serious tickets such as DWI and reckless driving.
  • Your job may affect rates – Occupations like military personnelair traffic controllers and dentists generally pay higher rates than average attributed to high stress and long work hours. Other jobs such as farmers, athletes and retirees have the lowest average rates on Tiguan insurance.
  • File insurance claims and pay more – Companies give the lowest premiums to drivers who are claim-free. If you frequently file small claims, you can definitely plan on higher premiums or even policy non-renewal. Auto insurance is intended for major claims that would cause financial hardship.
  • Adjust physical damage deductibles and save – The deductibles define how much you are willing to pay before a claim is paid by your company. Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Examples of some claims that would be covered could be colliding with a stationary object, damage from fire, or theft of your vehicle. The more damage repair cost you have to pay, the better rate you will receive on Tiguan insurance.
  • Insurance rates for married couples – Getting married may cut your premiums when shopping for insurance coverage. Having a significant other demonstrates that you tend to be more mature and responsible and statistics prove married drivers get in fewer accidents.
  • Safety ratings are a factor – Vehicles with high crash test scores can get you lower premiums. Safer cars reduce occupant injuries and lower rates of occupant injuries translates directly to fewer claims and lower rates for you. If the Volkswagen Tiguan scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.

What insurance coverages do I need?

When buying the right insurance coverage for your personal vehicles, there really is no cookie cutter policy. Every insured’s situation is different so your insurance needs to address that. For example, these questions could help you determine whether or not you may require specific advice.

  • Does coverage extend to a rental car in a foreign country?
  • What companies insure drivers after a DUI or DWI?
  • I don’t drive much so do I pay less?
  • Is my Volkswagen Tiguan covered if I use it for business?
  • Why do I only qualify for high-risk insurance?
  • Should I get collision insurance on every vehicle?
  • What is the ISO rating for a 2014 Volkswagen Tiguan?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Big brands don’t always mean big savings

Insurance coverage providers like State Farm, Allstate and Geico endlessly run television, radio, and online ads. They all seem to convey the message about how much you will save if you get a free insurance quote and switch your coverage to them. How do they all give you a better price? You have to listen carefully.

Different companies provide the lowest rates for the type of insured that will add to their bottom line. An example of this type of risk profile might be between the ages of 40 and 55, has never had a policy lapse, and insures a new vehicle. A customer getting a price quote who matches those parameters will probably get the lowest rates and will probably cut their rates if they switch.

Potential customers who fall short of these standards will be quoted more expensive rates and the customer buying from a different company. The ad wording is “drivers who switch” not “everybody who quotes” save that much money. That is how companies can claim big savings. Because of this risk profiling, you really need to compare many company’s car insurance rates. It’s not possible to predict with any certainty which company will give you lower rates than your current company.

Specific coverages for a Volkswagen Tiguan

Understanding the coverages of car insurance aids in choosing the right coverages and the correct deductibles and limits. Car insurance terms can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types found on the average car insurance policy.

Medical expense coverage – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like nursing services, rehabilitation expenses, prosthetic devices and EMT expenses. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage – This coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision coverages – Collision coverage pays for damage to your Tiguan resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like damaging your car on a curb, hitting a parking meter and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Comprehensive protection – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as rock chips in glass, a tree branch falling on your vehicle and hitting a deer. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability auto insurance – This will cover injuries or damage you cause to people or other property that is your fault. It protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as repair bills for other people’s vehicles, loss of income and medical services. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Money doesn’t grow on trees

When trying to cut insurance costs, make sure you don’t skimp on critical coverages to save a buck or two. In many cases, someone sacrificed physical damage coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase a proper amount of coverage at the best cost.

You just learned many ideas to shop for 2014 Volkswagen Tiguan insurance online. The most important thing to understand is the more quotes you get, the higher the chance of saving money. You may even find the most savings is with a lesser-known regional company. Smaller companies may have significantly lower prices on certain market segments than the large multi-state companies such as State Farm and Allstate.

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