View 2017 Volkswagen Tiguan Insurance Cost

Looking for cheaper insurance rates for your Volkswagen Tiguan? Finding cheaper insurance for a new or used Volkswagen Tiguan can be difficult, but you can follow the following methods to make it easier.

There is a right way and a wrong way to compare insurance rates and we’ll show you the proper way to quote coverages on a Volkswagen and locate the cheapest rates.

Cheaper insurance rates with discounts

Some companies don’t always advertise every available discount in a way that’s easy to find, so the next list breaks down some of the more common in addition to some of the lesser obvious credits available to you. If you don’t get every credit available, you’re just leaving money on the table.

  • Braking Control Discount – Cars and trucks with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • Homeowners Savings – Being a homeowner can help you save on insurance because maintaining a house requires a higher level of personal finance.
  • Sign Early and Save – Some insurance companies reward drivers for switching to them before your current policy expires. This discount can save up to 10%.
  • Life Insurance Discount – Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • No Claims – Good drivers with no accidents can save substantially in comparison with policyholders that have many claims.
  • Student Driver Training – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.
  • Drive Safe and Save – Safe drivers could pay up to 40% less for Tiguan coverage compared to accident prone drivers.

Consumers should know that most credits do not apply to all coverage premiums. Most only cut the cost of specific coverages such as liability, collision or medical payments. So when the math indicates all the discounts add up to a free policy, insurance companies wouldn’t stay in business. Any amount of discount will reduce your overall premium however.

Popular insurance companies and their offered discounts can be read below.

  • 21st Century has discounts for homeowners, automatic seat belts, early bird, defensive driver, air bags, and anti-lock brakes.
  • Progressive has savings for multi-vehicle, good student, continuous coverage, online quote discount, online signing, multi-policy, and homeowner.
  • State Farm offers premium reductions for good driver, accident-free, Steer Clear safe driver discount, student away at school, and passive restraint.
  • Nationwide policyholders can earn discounts including easy pay, good student, accident-free, defensive driving, and anti-theft.
  • Esurance offers discounts including DriveSense, claim free, homeowner, multi-car, good driver, and safety device.
  • The Hartford may offer discounts for bundle, air bag, vehicle fuel type, good student, anti-theft, driver training, and defensive driver.

Before purchasing a policy, check with each company to give you their best rates. All car insurance discounts might not apply in your area. To find companies who offer free insurance quotes, click here to view.

How much does insurance coverage cost?

Comparing insurance coverage rates is a ton of work if you don’t know the fastest way to get free quotes. You could waste a few hours driving to local insurance agents in your area, or you can utilize the web to achieve your goal.

Many companies belong to a marketplace where prospective buyers submit one quote, and each company then returns a price quote based on that information. This eliminates the need for quote forms to each company.

To submit your quote information now, click here (opens in new window).

The single downside to comparing rates this way is that consumers can’t choose the providers to get pricing from. So if you want to select individual companies to compare, we have a listing of low cost insurance coverage companies in your area. Click to view list.

The method you choose is up to you, but be certain you are entering apples-to-apples coverage limits on every quote you get. If each company quotes different coverage information it will be impossible to determine the lowest rate for your Volkswagen Tiguan.

Get lower-cost insurance prices by understanding these factors

Lots of things are taken into consideration when you get your auto insurance bill. A few of the factors are predictable such as traffic violations, although some other factors are less obvious such as your marital status or how safe your car is.Consumers need to have an understanding of a few of the rating criteria that help determine the rates you pay for auto insurance. If you understand what positively or negatively impacts your premiums, this enables you to make decisions that could help you find better auto insurance rates.

Shown below are some of the factors used by your company to calculate premiums.

  • Your occupation and auto insurance rates – Careers such as lawyers, social workers and miners generally pay higher premiums than the average policyholder because of intense work situations and lots of time spent away from family. Conversely, careers like farmers, engineers and the unemployed have lower than average premiums for Tiguan coverage.
  • High policy claims frequency drives up auto insurance rates – Auto insurance companies generally give most affordable rates to drivers who file claims infrequently. If you are a frequent claim filer, you can look forward to either higher rates or even cancellation. Insurance coverage is intended to be relied upon for claims that pose a financial burden.
  • Cars with good safety ratings cost less to insure – Cars with high safety ratings tend to be cheaper to insure. Highly rated vehicles reduce the chance of injuries and reduced instances of injuries translates directly to fewer claims and more competitive rates for policyholders. If the Volkswagen Tiguan has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Save money with good credit – Credit rating can be a huge factor in calculating your premium rate. Drivers with very good credit scores tend to be better drivers and file fewer claims than drivers who have poor credit scores. So if your credit is not that good, you could pay less to insure your 2017 Volkswagen Tiguan by improving your rating.
  • Raise your deductibles for better costs – Coverage for physical damage, also called comprehensive and collision insurance, covers damage that occurs to your Volkswagen. Some examples of claims that would be covered are a dented fender, damage caused by hail, and windstorm damage. The deductibles you choose define the amount you are willing to pay if a covered claim is submitted. The larger the amount you have to pay, the lower your rates will be for Tiguan coverage.
  • lapses raise prices – Having an insurance coverage lapse can be a guaranteed way to trigger a rate increase. In addition to paying higher premiums, getting caught without coverage might get you a hefty fine and possibly a revoked license.

Tailor your auto insurance coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight whether you would benefit from professional advice.

  • Does coverage extend to a rental car in a foreign country?
  • Do I need PIP (personal injury protection) coverage in my state?
  • What is covered by UM/UIM coverage?
  • Should I put collision coverage on all my vehicles?
  • How much liability insurance is required?
  • Which is better, split liability limits or combined limits?
  • Does my policy cover my teen driver if they drive my company car?
  • Can I rate high risk drivers on liability-only vehicles?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance advertisements

Drivers can’t escape the ads for cheaper insurance by 21st Century, Allstate and State Farm. They all convey the message about saving some big amount if you switch to them.

How do they all charge less that you’re paying now? Here is the trick they use.

Insurance companies give the cheapest rates for the type of driver that will most likely be profitable. For example, a profitable customer should be between the ages of 30 and 50, has never had a claim, and drives a safe vehicle. A propective insured who fits that profile will qualify for the lowest car insurance rates and will save if they switch.

Consumers who may not quite match the requirements may receive higher prices which usually ends up with the customer not purchasing. The ad wording is “people that switch” not “everyone that quotes” can save as much as they claim. That’s why insurance companies can confidently make those statements.

This really emphasizes why you need to get price quotes at each policy renewal. It is impossible to predict which insurance company will have the best prices for your profile.

Coverages available on your policy

Understanding the coverages of car insurance helps when choosing the best coverages for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Auto liability insurance

This coverage will cover damage that occurs to other people or property by causing an accident. It protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as court costs, structural damage, medical services, repair costs for stationary objects and emergency aid. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for immediate expenses for doctor visits, EMT expenses and funeral costs. They are used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these limits are identical to your policy’s liability coverage.

Collision coverage protection

This coverage pays for damage to your Tiguan resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like rolling your car, crashing into a ditch, colliding with a tree, backing into a parked car and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, a tree branch falling on your vehicle and rock chips in glass. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

In Summary

Affordable 2017 Volkswagen Tiguan insurance can be purchased both online in addition to local insurance agencies, so you need to shop auto insurance with both to have the best chance of lowering rates. Some insurance companies may not have price quotes online and usually these smaller companies work with independent agents.

In this article, we covered quite a bit of information on how to shop for 2017 Volkswagen Tiguan insurance online. The most important thing to understand is the more rate quotes you have, the better your comparison will be. Consumers may even find the best prices are with a small local company.

Drivers change insurance companies for any number of reasons including delays in paying claims, policy non-renewal, being labeled a high risk driver and policy cancellation. Regardless of your reason, switching companies can be less work than you think.

More detailed car insurance information can be found by following these links: