2013 Volkswagen Touareg Car Insurance Rates – 6 Ways to Save

Want cheaper auto insurance rates for your Volkswagen Touareg? I can’t think of anyone who looks forward to paying premiums for auto insurance, especially when the prices are way too high.

Companies like Allstate and Progressive continually bombard you with advertising and consumers find it hard to sift through the bull and do the work needed to find the best deal.

You should take the time to quote other rates before your next renewal because auto insurance prices are usually higher with each renewal. Just because you found the best rates for Touareg coverage a few years ago you may be paying too much now. Forget all the misinformation about auto insurance because I’m going to teach you one of the quickest ways to lower your annual insurance bill.

You may qualify for discounts

Companies that sell car insurance do not list the entire discount list in an easy-to-find place, so below is a list both the well known and also the more inconspicuous savings tricks you should be using when you buy auto insurance online.

• Memberships – Being in a qualifying organization can get you a small discount when shopping for insurance.
• Braking Control Discount – Vehicles that have anti-lock braking systems are much safer to drive and earn discounts up to 10%.
• Student Discounts – Getting good grades may save you up to 25%. Most companies allow this discount until age 25.
• Low Mileage Discounts – Maintaining low annual mileage could earn cheaper premium rates.
• Theft Prevention System – Cars and trucks equipped with tracking devices and advanced anti-theft systems prevent vehicle theft so companies will give you a small discount.
• Senior Citizens – Drivers that qualify as senior citizens are able to get a small discount on rates for Touareg coverage.

As is typical with insurance, some of the credits will not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like you could get a free insurance policy, insurance companies aren’t that generous.

Companies that possibly offer these money-saving discounts possibly include:

• State Farm
• Progressive
• Travelers
• American Family
• Liberty Mutual

If you need the cheapest auto insurance quotes, ask every prospective company which discounts they offer. Some of the earlier mentioned discounts may not apply in your area. To find insurers that offer multiple discounts, follow this link.

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There’s no such thing as the perfect car insurance policy

When buying the best car insurance coverage, there is no cookie cutter policy. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that may help you determine if your insurance needs could use an agent’s help.

• Does my policy pay for OEM or aftermarket parts?
• What vehicles should carry emergency assistance coverage?
• How does medical payments coverage work?
• Am I getting all the discounts available?
• Can I rate high risk drivers on liability-only vehicles?
• Do I need special endorsements for business use of my vehicle?
• When can I cancel my policy?
• When do I need to add a new car to my policy?
• Do I benefit by insuring my home with the same company?
• Are my tools covered if they get stolen from my vehicle?

If you can’t answer these questions, you might consider talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area.

Don’t believe everything you hear

Geico, State Farm and Progressive regularly use ads on television and other media. They all seem to make the point that drivers can save some big amount if you get a free auto insurance quote and switch your policy. How does every company charge you a lower premium?

All the different companies have strict underwriting profiles for the type of insured that will generate a profit. An example of this type of insured might be over the age of 50, has no claims, and drives less than 7,500 miles a year. Any driver who matches those parameters will most likely get cheap prices and will probably save when switching.

People who are not a match for the “perfect” profile will be quoted a higher rate and ends up with the customer buying from someone else. If you pay attention, the ads say “customers who switch” but not “all drivers who get quotes” can save as much as they claim. That’s why companies can make those statements. Because of these techniques, it is so important to compare as many free auto insurance quotes as you can. Because you never know with any certainty which company will have the best prices at this point in time.

Insurance coverage considerations

Learning about specific coverages of a insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. These are the usual coverages found on most insurance policies.

Comprehensive coverages – This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like rock chips in glass, hail damage, hitting a deer, damage from flooding and vandalism. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability 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.

Liability – This coverage protects you from damages or injuries you inflict on a person or their property that is your fault. It consists of 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 limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims like court costs, medical services, loss of income and attorney fees. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

Collision coverage – This coverage will pay to fix damage to your Touareg resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as backing into a parked car, colliding with a tree, hitting a mailbox, damaging your car on a curb and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Coverage for medical payments – Med pay and PIP coverage kick in for expenses such as pain medications, rehabilitation expenses and dental work. They are often used to fill the gap from your health insurance program or if you do not have health coverage. It covers you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

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One last thing

Lower-priced 2013 Volkswagen Touareg insurance is attainable on the web and from local agencies, and you should be comparing both in order to have the best chance of saving money. Some insurance providers may not provide online quoting and these regional carriers prefer to sell through independent agents.

When you buy auto insurance online, it’s not a good idea to buy lower coverage limits just to save a few bucks. Too many times, someone dropped physical damage coverage only to regret at claim time that it was a big error on their part. Your goal should be to find the BEST coverage at the lowest possible cost while still protecting your assets.

More information can be read at the links below

• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Property Damage Coverage (Liberty Mutual)
• Vehicle Safety Ratings (iihs.org)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• Safe Vehicles for Teens (iihs.org)

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