2016 Volkswagen Tiguan Insurance Cost – 10 Tips for Best Prices

Shoppers have options when shopping for the lowest priced Volkswagen Tiguan insurance. They can either spend hours driving around to get rate comparisons or leverage the internet to make rate comparisons.

There is a better way to shop for insurance and we’ll show you the absolute fastest way to get price quotes for a new or used Volkswagen and get the lowest price from local insurance agents and online providers.

Consumers need to compare rates every six months because insurance prices are usually higher with each renewal. Just because you had the best deal for Tiguan coverage two years ago you can probably find a lower rate today. Forget anything you know (or think you know) about insurance because we’re going to demonstrate the fastest way to find better coverage at a better price.

How to compare insurance coverage quotes

There are a variety of methods you can shop for insurance coverage and some are easier and takes less work. You could waste a few hours talking to insurance companies in your area, or you could save time and use the web to accomplish the same thing much quicker.

The majority of car insurance companies are enrolled in a marketplace that allows shoppers to enter their coverage request one time, and each participating company can give them a price. This system prevents you from having to do form submissions for every insurance coverage company.

To participate in this free quote system, click to open in new window.

The only drawback to pricing coverage this way is buyers cannot specifically choose which companies to get quotes from. So if you want to choose from a list of companies for rate comparison, we have assembled a list of companies who write insurance coverage in your area. Click to view list.

You can use whichever method you prefer to find lower rates, just make sure you compare the exact same coverage information for every quote you compare. If your comparisons have mixed coverages it will be nearly impossible to truly determine the lowest rate.

Earn discounts on auto insurance

Auto insurance is easily one of your largest bills, but you can get discounts that can dramatically reduce your bill. Larger premium reductions will be automatically applied when you purchase, but lesser-known reductions have to be asked about in order for you to get them.

  • Federal Government Employee – Active or retired federal employment could qualify for a slight premium decrease for Tiguan coverage depending on your auto insurance provider.
  • Student Discounts – Getting good grades can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
  • Renewal Discounts – Some larger companies provide a discount for switching to them before your current policy expires. Ten percent is about the average savings.
  • Save with More Vehicles Insured – Buying a policy with all your vehicles with the same company can reduce rates for all insured vehicles.
  • Low Mileage Discounts – Driving fewer miles can qualify you for lower rates due to less chance of an accident.
  • Anti-theft Discount – Cars equipped with tracking devices and advanced anti-theft systems help deter theft and that can save you a little bit as well.
  • Professional Memberships – Affiliation with certain professional organizations could trigger savings when getting a insurance quote.
  • Seat Belt Usage – Buckling up and requiring all passengers to buckle up can save 10% or more on medical payment and PIP coverage.
  • Student Driver Training – Require your teen driver to successfully complete driver’s ed class in school.
  • Military Deployment Discount – Being on active duty in the military could mean lower auto insurance rates.

Discounts lower rates, but most discount credits are not given to the entire policy premium. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Despite the fact that it seems like all the discounts add up to a free policy, it doesn’t quite work that way.

Some of the insurance companies who may offer some of the discounts shown above include:

Before buying, ask all the companies how you can save money. Discounts might not apply in your state. To view insurers with the best discounts, click here.

Tailor your car insurance coverage to you

When buying proper insurance coverage, there is no perfect coverage plan. Your needs are not the same as everyone else’s.

For instance, these questions may help you determine whether or not you could use an agent’s help.

  • What is PIP insurance?
  • Am I covered if I hit a deer?
  • How many claims can I have before being cancelled?
  • What is no-fault insurance?
  • Is upholstery damage covered by car insurance?
  • Is my teen driver covered when they drive my company car?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is a fancy paint job covered?
  • At what point should I drop full coverage?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverage specifics

Learning about specific coverages of a insurance policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Auto liability insurance

Liability insurance provides protection from injuries or damage you cause to a person or their property in an accident. It protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability insurance covers things such as court costs, medical expenses, repair bills for other people’s vehicles, legal defense fees and structural damage. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Comprehensive protection

This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as falling objects, damage from flooding and rock chips in glass. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Volkswagen Tiguan.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these coverages are identical to your policy’s liability coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for immediate expenses like surgery, funeral costs, chiropractic care and pain medications. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like driving through your garage door, scraping a guard rail, sideswiping another vehicle and hitting a mailbox. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Knowledge is power

Lower-priced 2016 Volkswagen Tiguan insurance can be purchased on the web and with local insurance agents, and you need to comparison shop both to have the best rate selection. Some companies do not offer the ability to get a quote online and usually these smaller providers only sell coverage through local independent agents.

When getting insurance quotes online, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many situations where an insured cut full coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your goal should be to get the best coverage possible at a price you can afford, but do not skimp to save money.

In this article, we covered some good ideas how you can save on 2016 Volkswagen Tiguan insurance. The most important thing to understand is the more times you quote, the higher the chance of saving money. You may even find the lowest priced insurance comes from some of the smallest insurance companies.

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