How Much Does 2004 Volkswagen Touareg Insurance Cost?

Looking for the cheapest insurance rates for your Volkswagen Touareg? Finding the cheapest insurance for your Volkswagen Touareg could be a lot of work, but you can learn these tips to make it easier.

There are more efficient ways to shop for insurance and we’ll show you the best way to price shop coverage for a Volkswagen and find the best price possible from both online companies and local agents.

If you have a policy now or are looking for a new policy, you can follow these tips to shop for the lowest rates and possibly find even better coverage. Finding the lowest cost insurance coverage is easy if you know what you’re doing. Drivers just need to understand the tricks to shop for insurance on the web.

How to Lower Your Auto Insurance Cost

Shopping for lower auto insurance rates can be exhausting if you don’t utilize the fastest way to get free quotes. You could spend the better part of a day discussing policy coverages with agents in your area, or you can utilize the internet for quick rates.

Many companies are enrolled in a marketplace that enables customers to submit one quote, and every company returns a competitive quote based on that data. This prevents consumers from doing quote requests for each company.

To compare 2004 Volkswagen Touareg rates now click here to open in new window.

The single downside to doing it this way is you are unable to specify which insurance companies to receive prices from. So if you want to choose specific providers to receive pricing from, we have a page of auto insurance companies in your area. Click here to view list.

It’s your choice how you get your quotes, but be sure to compare apples-to-apples coverage information for every quote you compare. If you have higher or lower deductibles it will be impossible to make a fair comparison for your Volkswagen Touareg.

Factors that can influence insurance rates for a Volkswagen Touareg

Smart consumers have a good feel for the factors that help determine your auto insurance rates. When you know what positively or negatively influences your rates empowers consumers to make smart changes that can help you get much lower annual insurance costs.

  • Rural vs Urban Areas – Living in less populated areas has it’s advantages when insuring your vehicles. Drivers in populated areas have congested traffic and longer commutes to work. Fewer people means fewer accidents.
  • Optional equipment can affect rates – Owning a car with an alarm system can save you a little every year. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent car theft.
  • Are you male or female? – Statistics demonstrate that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are worse drivers. They both are in accidents in similar percentages, but the males cause more damage. They also get cited for more serious violations like DUI and reckless driving. Teenage male drivers are several times more likely to be in an accident and therefore have the most expensive auto insurance rates.
  • Bump up deductibles to save – Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your Volkswagen. A few examples of covered claims would be a windshield shattered by a rock, damage caused by hail, and windstorm damage. The deductibles are how much you are required to spend if you file a covered claim. The more you have to pay, the lower your rates will be on Touareg coverage.

Verify you’re getting all your discounts

Insurance can be prohibitively expensive, but you may find discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at quote time, but a few need to be requested specifically prior to receiving the credit. If you’re not getting every credit possible, you’re paying more than you need to.

  • No Charge for an Accident – A few companies permit an accident before raising your premiums as long as you don’t have any claims for a particular time prior to the accident.
  • Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates on Touareg coverage than drivers with accident claims.
  • Passive Restraints – Cars that have air bags can qualify for discounts of 20% or more.
  • Bundle and Save – When you combine your home and auto insurance with one company you may earn approximately 10% to 15%.
  • Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you could save 5% or more.
  • Early Switch Discount – A few companies offer discounts for switching to them before your current expiration date. It’s a savings of about 10%.
  • Life Insurance Discount – Larger companies have better rates if you take out auto and life insurance together.

Keep in mind that most of the big mark downs will not be given to your bottom line cost. Most cut specific coverage prices like liability and collision coverage. Even though it may seem like you would end up receiving a 100% discount, it just doesn’t work that way. But all discounts will help reduce the amount you have to pay.

To see a list of insurance companies who offer auto insurance discounts, follow this link.

When should I talk to an agent?

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

For instance, these questions can help discover if you would benefit from an agent’s advice.

  • When should I remove comp and collision on my 2004 Volkswagen Touareg?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Does insurance cover tools stolen from my truck?
  • Should I buy additional glass protection?
  • What vehicles should carry emergency assistance coverage?
  • Is other people’s property covered if stolen from my vehicle?
  • If I drive on a suspended license am I covered?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, fill out this quick form. It is quick, free and you can get the answers you need.

Insurance coverage options for a Volkswagen Touareg

Having a good grasp of your insurance policy can help you determine which coverages you need for your vehicles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for immediate expenses like X-ray expenses, doctor visits, nursing services, surgery and hospital visits. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover both the driver and occupants as well as getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

This pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like hitting a bird, damage from flooding, hitting a deer, rock chips in glass and vandalism. The maximum amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage protection

Collision insurance will pay to fix damage to your Touareg resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims like scraping a guard rail, crashing into a building and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Liability car insurance

This provides protection from damage that occurs to other people or property. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like loss of income, emergency aid, repair costs for stationary objects, court costs and legal defense fees. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Protection from uninsured/underinsured drivers

This coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Volkswagen Touareg.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Normally these limits do not exceed the liability coverage limits.

Affordable insurance is out there

Cheaper 2004 Volkswagen Touareg insurance is possible online and with local insurance agents, so you should compare both to have the best chance of lowering rates. Some insurance providers do not offer online price quotes and many times these small, regional companies only sell through independent insurance agents.

While you’re price shopping online, don’t be tempted to sacrifice coverage to reduce premiums. There have been many cases where drivers have reduced uninsured motorist or liability limits to discover at claim time that they should have had better coverage. The proper strategy is to buy the best coverage you can find at a price you can afford while still protecting your assets.

We just covered some good ideas how you can compare insurance prices online. The key thing to remember is the more rate comparisons you have, the better your comparison will be. You may be surprised to find that the biggest savings come from a lesser-known regional company.

Even more information is available in these articles: