Lower Your 2011 Volkswagen Tiguan Insurance Cost

Having to pay for high-priced auto insurance can drain your budget and force you to tighten up your finances.

You have so many insurers to insure vehicles with, and even though it’s nice to be able to choose, it can be more difficult to compare rates and find the lowest cost auto insurance.

The purpose of this post is to familiarize you with how car insurance quotes work and some tips to save money. If you are paying for car insurance now, you will be able to reduce your rates substantially using these techniques. Nevertheless, drivers should learn the way companies market insurance on the web.

Use discounts to get cheaper insurance rates

Insurance can be prohibitively expensive, but discounts can save money and there are some available that can dramatically reduce your bill. Many discounts should be triggered when you complete an application, but some discounts are required to be specially asked for before you will receive the discount. If you aren’t receiving every discount you deserve, you are throwing money away.

• Federal Government Employee – Being employed by or retired from a federal job can save as much as 8% for Tiguan coverage depending on your insurance provider.
• One Accident Forgiven – Not really a discount, but some companies like Liberty Mutual, Allstate and State Farm will allow you to have one accident before they charge you more for coverage if you have no claims for a certain period of time.
• Buy New and Save – Adding a new car to your policy may earn a small discount compared to insuring an older model.
• Military Discounts – Being deployed with a military unit can result in better insurance rates.
• Early Payment Discounts – By making one initial payment instead of monthly or quarterly installments you may have a lower total premium amount.
• Seat Belt Usage – Drivers who require all occupants to buckle up before driving can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
• Discount for Low Mileage – Fewer annual miles on your Volkswagen can earn substantially lower rates.
• Discount for Home Ownership – Just owning your own home can get you a discount because of the fact that having a home shows financial diligence.
• Mature Driver Discount – Drivers over the age of 55 may be able to get a slight reduction on a insurance quote for Tiguan coverage.

Drivers should understand that most of the big mark downs will not be given to the overall cost of the policy. Most only apply to specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like it’s possible to get free car insurance, companies wouldn’t make money that way.

To view insurance companies that offer many of these discounts, follow this link.

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How to compare car insurance price quotes

There are a lot of ways you can shop for car insurance but there is one way that is less labor-intensive and much quicker. You can waste a lot of time discussing policy coverages with insurance companies in your area, or you could use online quotes to get rates in a matter of minutes.

Many companies take part in a program that allows shoppers to complete one form, and every company then gives them pricing for coverage. This prevents consumers from doing quote requests for each company.

To use this form to compare rates click to open in new window.

The only drawback to using this type of form is you can’t choose the insurers you will receive quotes from. So if you prefer to choose specific insurance companies to compare rates, we have a page of the cheapest car insurance companies in your area. View list of insurance companies.

You can choose any of those ways to find more affodable coverage, but be certain you are entering the exact same deductibles and coverage limits for every quote you compare. If you are comparing different coverage information you will not be able to make a fair comparison for your Volkswagen Tiguan. Even a minor difference in insurance coverages or limits may result in a large different in cost. And when comparing car insurance rates, know that getting more free quotes provides better odds of finding the best rates. Not every company does quotes online, so it’s important to compare rates from them, too.

Tailor your car insurance coverage to you

When buying adequate coverage for your personal vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions may help highlight if you will benefit from professional help.

• What companies insure drivers after a DUI or DWI?
• Exactly who is provided coverage by my policy?
• What are the financial responsibility laws in my state?
• Where can I find high-risk insurance?
• Am I covered if hit by an uninsured driver?
• Do I need replacement cost coverage on my 2011 Volkswagen Tiguan?
• Will filing a claim cost me more?
• Can my teen drive my company car?

If you can’t answer these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

The coverage is in the details

Knowing the specifics of insurance can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Listed below are typical coverage types available from insurance companies.

Collision coverage – This pays for damage to your Tiguan resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like sustaining damage from a pot hole, driving through your garage door, rolling your car, sideswiping another vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive insurance – This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as falling objects, fire damage, hail damage, hitting a deer and damage from flooding. The highest amount your insurance company will pay 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.

Auto liability insurance – Liability insurance can cover damages or injuries you inflict on other people or property. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage protects against claims such as emergency aid, structural damage and legal defense fees. How much coverage you buy is up to you, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as damage to your 2011 Volkswagen Tiguan.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Normally these coverages are similar to your liability insurance amounts.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like ambulance fees, hospital visits, EMT expenses, chiropractic care and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

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Cheaper insurance is a realistic goal

As you prepare to switch companies, do not skimp on coverage in order to save money. There have been many situations where someone dropped uninsured motorist or liability limits only to regret at claim time that the few dollars in savings costed them thousands. The goal is to purchase plenty of coverage for the lowest price but still have enough coverage for asset protection.

We just presented a lot of techniques to compare 2011 Volkswagen Tiguan insurance prices online. The key thing to remember is the more you quote insurance, the better chance you’ll have of finding cheap insurance. Consumers may even find the lowest priced car insurance comes from the smaller companies. They can often insure niche markets at a lower cost than the large multi-state companies such as Allstate, Geico and Progressive.

Other information

• Eight Auto Insurance Myths (Insurance Information Insitute)
• Speed and Speed Limit FAQ (iihs.org)
• Auto Insurance FAQ (Farmers Insurance)
• Child Safety Seats (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)

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