Lower Your 2014 Volkswagen Touareg Car Insurance Rates

Looking for better car insurance rates for your Volkswagen Touareg? Having to pay for overpriced Volkswagen Touareg insurance can take a big chunk out of your personal savings and force you to make sacrifices. Shopping your coverage around is free and is an excellent way to lower your monthly bill. Big companies like Geico, Farmers Insurance and State Farm continually bombard you with fancy advertisements and it can be hard to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

It’s important to compare prices on a regular basis because insurance rates go up and down regularly. Even if you got the lowest rates on Touareg coverage six months ago there may be better deals available now. Ignore everything you know about car insurance because you’re about to learn the only way to reduce your cost while improving coverage.

Discounts are great for lower rates

Companies offering auto insurance don’t necessarily list all available discounts very clearly, so we took the time to find both well-publicized and the more hidden savings tricks you should be using. If you’re not getting every credit available, you are paying more than you should be.

  • Homeowners Pay Less – Owning a house may trigger a insurance coverage policy discount because owning a home shows financial diligence.
  • Save over 55 – Mature drivers may be able to get better insurance coverage rates on Touareg coverage.
  • Claim Free – Claim-free drivers can earn big discounts when compared with accident-prone drivers.
  • Multi-car Discount – Buying insurance for more than one vehicle on the same insurance coverage policy could earn a price break for each car.
  • Driver Safety – Taking a defensive driving course could save 5% or more depending on where you live.
  • Life Insurance – Some companies give a discount if you purchase life insurance.
  • Student Driver Training – Have your child complete a driver education course in high school.
  • Theft Prevention Discount – Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
  • Discount for Swiching Early – Some companies give discounts for switching policies prior to your current policy expiring. The savings is around 10%.

Consumers should know that most discount credits are not given the the whole policy. Most only apply to specific coverage prices like medical payments or collision. Just because you may think it’s possible to get free car insurance, insurance coverage companies aren’t that generous.

A partial list of companies that may have these benefits include:

It’s a good idea to ask each insurance company which discounts they offer. Discounts might not be offered everywhere.

Quick Auto Insurance Quotes

There are multiple methods to shop for 2014 Volkswagen Touareg auto insurance, and some are more efficient than others. You can spend your afternoon driving to insurance agencies in your area, or you could save time and use the web to maximize your effort.

Most car insurance companies participate in a marketplace that enables customers to submit one quote, and each company provides a quote based on the submitted data. This system prevents you from having to do quote requests to each individual auto insurance company.

To participate in this free quote system, click here to open in new window.

The one disadvantage to doing it this way is that consumers can’t choose which companies to get pricing from. If you prefer to choose specific providers to compare rates, we have a listing of the cheapest auto insurance companies in your area. Click here to view list.

Which method you use is up to you, but ensure you’re using the exact same deductibles and coverage limits with each company. If you have different deductibles it’s impossible to find the best deal for your Volkswagen Touareg.

Complexity of Volkswagen Touareg insurance rates

Smart consumers have a good feel for the factors that go into determining your auto insurance rates. Understanding what influences your rates allows you to make educated decisions that can help you get much lower annual insurance costs.

Listed below are some of the factors companies use to determine your rates.

  • Rural vs Urban Areas – Being located in small towns and rural areas is a positive aspect when insuring your vehicles. City drivers regularly have more traffic problems and a longer drive to work. Less people living in that area means a lower chance of having an accident and a lower car theft rate.
  • Better crash test results mean better rates – Cars with high safety ratings tend to have better insurance rates. The safest vehicles protect occupants better and better occupant protection means lower claim amounts and more competitive rates for policyholders. If your Volkswagen Touareg scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Traffic violations increase rates – Even a single speeding ticket can increase rates by twenty percent. Good drivers receive lower rates than their less careful counterparts. Drivers who get dangerous violations such as DWI, reckless driving or hit and run convictions may be required to submit a SR-22 form with their state DMV in order to prevent a license revocation.
  • Women pay lower rates – Statistics show women are more cautious behind the wheel. However, don’t assume that women are BETTER drivers than men. Women and men are in accidents in similar numbers, but the men cause more damage and cost insurance companies more money. Men also statistically receive more costly citations like DUI and reckless driving.
  • One company can mean more discounts – The majority of auto insurance companies will give a discount to insureds who carry more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s in your best interest to compare rates to ensure the best deal. Consumers may find better rates by buying insurance from more than one company.
  • Do you have a high stress job? – Occupations such as judges, social workers and financial analysts tend to have higher average rates due to high stress levels and lots of time spent at work. Conversely, occupations like actors, engineers and retirees receive lower rates on Touareg coverage.
  • Little extras can really add up – There are many extra coverages you can purchase if you aren’t careful. Insurance for personal injury protection, better glass coverage and membership fees are some examples. They may seem like a good idea when you first buy your policy, but your needs may have changed so eliminate the coverages to reduce your premium.

You may need specialized coverage

When choosing adequate coverage, there really is not a single plan that fits everyone. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions might help in determining whether you might need an agent’s assistance.

  • How many claims can I have before being cancelled?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • How do I buy GAP insurance?
  • Can I rate high risk drivers on liability-only vehicles?
  • Can my teen drive my company car?
  • Does my car insurance cover rental cars?
  • Do I need medical payments coverage since I have good health insurance?
  • When should I remove comp and collision on my 2014 Volkswagen Touareg?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Switch companies and save? Really?

Consumers can’t get away from ads that promise big savings by companies like State Farm and Allstate. They all seem to say the same thing that you can save after switching to them.

How does each company make the same claim? This is how they do it.

All the different companies can use profiling for the driver that is profitable for them. A good example of a desirable insured might be between 30 and 50, insures multiple vehicles, and drives less than 7,500 miles a year. A propective insured who fits that profile will get the preferred rates and is almost guaranteed to cut their rates substantially.

Drivers who are not a match for the “perfect” profile will be charged more money and this can result in business going elsewhere. The ads say “customers who switch” not “everybody who quotes” save money. That’s the way insurance companies can state the savings. That is why you should compare as many rates as you can. Because you never know which company will have the lowest Volkswagen Touareg insurance rates.

Insurance specifics

Having a good grasp of a insurance policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. These are typical coverage types available from insurance companies.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for expenses like chiropractic care, rehabilitation expenses, funeral costs, dental work and surgery. They can be used to fill the gap from your health insurance program or if you do not have health coverage. They cover you and your occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Comprehensive coverage

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like rock chips in glass, hail damage, hitting a bird, falling objects and damage from getting keyed. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability coverages

This protects you from damage that occurs to other’s property or people in an accident. It protects you from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things like bail bonds, structural damage, repair bills for other people’s vehicles, medical expenses and pain and suffering. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Collision insurance

Collision insurance pays for damage to your Touareg resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as hitting a parking meter, colliding with a tree, sideswiping another vehicle, hitting a mailbox and rolling your car. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Volkswagen Touareg.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Affordable insurance is out there

Affordable 2014 Volkswagen Touareg insurance is attainable online and also from your neighborhood agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies may not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

We just showed you some good ideas how you can get a better price on insurance. It’s most important to understand that the more companies you get rates for, the higher your chance of finding lower rates. Consumers could even find that the best prices are with an unexpected company. These companies may cover specific market segments cheaper compared to the large companies like Allstate or State Farm.

Even more information is located by following these links: