2009 Volkswagen Tiguan Car Insurance Rates – 7 Tips for Best Quotes

Tired of robbing Peter to pay Paul to insure your Volkswagen every month? Your situation is no different than many other drivers.

Multiple car insurance companies compete to insure your vehicles, and it can be difficult to compare rates to find the absolute best rate

If you are paying for car insurance now, you will be able to save some money using these methods. Finding the best rates is quite easy. But car owners must know how companies sell insurance online.

The quickest method we recommend to get policy rate comparisons is to know auto insurance companies provide online access to compare their rates. To start a quote, the only thing you need to do is give them some information such as driver details, if the car is leased, how much school you completed, and the type of vehicles you drive. Your rating data is sent automatically to multiple auto insurance providers and you will receive price estimates with very little delay.

To start a rate quote now, click here and find out if lower rates are available.

Be sure to get all your discounts

Insurance can cost an arm and a leg, but there are discounts available that you may not know about. Larger premium reductions will be automatically applied when you quote, but less common discounts must be specially asked for before you get the savings.

  • More Vehicles More Savings – Buying insurance for multiple cars or trucks with the same company could earn a price break for each car.
  • Senior Discount – If you’re over the age of 55, you may qualify for a discount up to 10% for Tiguan coverage.
  • Passive Restraint Discount – Cars that have air bags or automatic seat belts can receive discounts of up to 25% or more.
  • Service Members Pay Less – Being deployed with a military unit could be rewarded with lower premiums.
  • Anti-theft System – Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
  • Sign Online – Some insurance companies will give a small break just for signing your application on their website.

As a disclaimer on discounts, many deductions do not apply to your bottom line cost. Some only reduce individual premiums such as medical payments or collision. So despite the fact that it appears adding up those discounts means a free policy, you’re out of luck. But any discount will bring down your premiums.

Companies who might offer these benefits include:

Check with every prospective company what discounts are available to you. Savings may not be available in your state.

How do I know if I need professional advice?

When it comes to choosing coverage for your vehicles, there is no cookie cutter policy. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions can aid in determining whether your personal situation would benefit from professional advice.

  • Do I have coverage for damage caused while driving under the influence?
  • Should I waive the damage coverage when renting a car?
  • How much underlying liability do I need for an umbrella policy?
  • Why is insurance for a teen driver so high?
  • Am I getting all the discounts available?
  • How much can I save by bundling my policies?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Ads can be misleading

Allstate, Geico and Progressive consistently run ads in print and on television. All the companies make the same claim about savings if you change to them. How can each company claim to save you money? It’s all in the numbers.

All the different companies can use profiling for the type of customer they prefer to insure. An example of a preferred risk might be profiled as between the ages of 30 and 50, has no prior claims, and has a short commute. A driver that hits that “sweet spot” receives the best rates and is almost guaranteed to pay quite a bit less when switching companies.

Potential insureds who do not match the “perfect” profile will have to pay higher prices and ends up with the customer not buying. The ads state “drivers who switch” not “everybody who quotes” save money. That’s why insurance companies can confidently make those claims.

Because of the profiling, drivers should compare as many rates as you can. It’s not possible to predict which company will provide you with the cheapest Volkswagen Tiguan insurance rates.

Auto insurance 101

Learning about specific coverages of car insurance can be of help when determining appropriate coverage and the correct deductibles and limits. Car insurance terms can be ambiguous and reading a policy is terribly boring. These are the usual coverages found on the average car insurance policy.

UM/UIM Coverage

This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Frequently these coverages are identical to your policy’s liability coverage.

Collision coverage protection

Collision insurance covers damage to your Tiguan caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as hitting a mailbox, colliding with a tree, colliding with another moving vehicle, driving through your garage door and scraping a guard rail. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Liability

This coverage will cover damages or injuries you inflict on other people or property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as bail bonds, pain and suffering, structural damage, emergency aid and loss of income. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Comprehensive or Other Than Collision

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from flooding, hitting a bird, fire damage, damage from getting keyed and vandalism. The most a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical costs insurance

Med pay and PIP coverage kick in for immediate expenses like pain medications, EMT expenses, X-ray expenses and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Money doesn’t grow on trees

Low-cost 2009 Volkswagen Tiguan insurance can be sourced both online and with local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies do not offer online price quotes and many times these small, regional companies only sell through independent insurance agents.

When you buy insurance online, it’s a bad idea to skimp on coverage in order to save money. There have been many cases where someone dropped comprehensive coverage or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. The aim is to purchase a proper amount of coverage at an affordable rate.

In this article, we covered quite a bit of information on how to compare insurance prices online. The most important thing to understand is the more you quote, the better your comparison will be. You may even discover the biggest savings come from a small mutual company. They may cover specific market segments cheaper than their larger competitors like Geico and State Farm.

Additional auto insurance information can be found below: