Compare 2015 Volkswagen Tiguan Car Insurance Cost

Looking for the cheapest insurance coverage rates for your Volkswagen Tiguan? Sick and tired of robbing Peter to pay Paul to pay your car insurance bill each month? Your situation is no different than most other car owners.

Consumers have many insurance companies to pick from, and although it’s a good thing to have a selection, so many choices can make it hard to compare company pricing.

Consumers should take time to check insurance coverage prices yearly since rates fluctuate regularly. Just because you found the lowest rates for Tiguan insurance a year ago the chances are good that you can find a lower rate today. So just block out anything you think you know about insurance coverage because we’re going to show you the right way to properly buy coverages and cut your premium.

Discounts mean cheaper 2015 Volkswagen Tiguan insurance rates

Insuring your vehicles can cost a lot, but you can get discounts that can drop the cost substantially. Most are applied at the time of purchase, but a few must be specially asked for prior to getting the savings.

  • Anti-theft Discount – Vehicles with anti-theft systems help deter theft and will save you 10% or more.
  • Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. The good student discount can last until age 25.
  • Early Signing – A few companies offer discounts for switching to them prior to your current policy expiration. This can save 10% or more.
  • Auto/Life Discount – Some companies give a discount if you purchase a life insurance policy as well.
  • Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
  • Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
  • No Charge for an Accident – Certain companies will forgive one accident before hitting you with a surcharge if you are claim-free for a certain period of time.

A little note about advertised discounts, some of the credits will not apply to the overall cost of the policy. Most only reduce individual premiums such as liability and collision coverage. So when it seems like all those discounts means the company will pay you, it doesn’t quite work that way. But any discount will reduce your overall premium however.

For a list of companies with the best insurance discounts, click here.

Complexity of Volkswagen Tiguan insurance rates

It’s important that you understand the different types of things that come into play when calculating your insurance coverage rates. Understanding what controls the rates you pay enables informed choices that will entitle you to much lower annual insurance costs.

The list below includes some of the items insurance coverage companies consider when setting prices.

  • Pleasure use saves money – The higher the mileage driven every year the more you’ll pay to insure your vehicle. The majority of insurers rate vehicles determined by how the vehicle is used. Vehicles left parked in the garage receive lower rates than vehicles that are driven to work every day. Make sure your insurance coverage declarations sheet properly reflects the correct usage for each vehicle, because improper ratings can cost you money. Incorrect usage on your Tiguan can result in significantly higher rates.
  • Do you have enough liability coverage? – Liability coverage is the protection in the event that a jury decides you are liable for personal injury or accident damage. It provides legal defense up to the limits shown on your policy. Liability is cheap when compared with rates for comp and collision, so drivers should carry high limits.
  • Frequent insurance coverage claims increase rates – If you are a frequent claim filer, you can look forward to either higher rates or even cancellation. Car insurance companies give better rates to people who do not rely on their insurance for small claims. Car insurance is intended for larger claims.
  • Cautious drivers pay less – Only having one citation may increase your cost forty percent or more. Drivers with clean records tend to pay less for car insurance compared to drivers with tickets. Drivers with flagrant tickets like hit and run, DWI or reckless driving convictions are required to file a SR-22 with the DMV in their state in order to keep their license.
  • Your car’s features help determine rates – Owning a car that has an advanced theft prevention system can help bring down rates. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent your vehicle from being stolen.
  • Where you live can impact rates – Residing in small towns and rural areas can save you money when talking about insurance coverage. Urban drivers regularly have traffic congestion and much longer commute distances. Fewer drivers means reduced accidents and also fewer theft and vandalism claims.
  • Your stress level may be raising your rates – Did you know that where you work can have an impact on rates? Occupations such as lawyers, social workers and financial analysts tend to pay higher average rates because of high stress and long work days. Conversely, occupations such as scientists, engineers and performers have the lowest average rates for Tiguan insurance.
  • Multiple policies with one company can save – Many insurance coverage companies give discounts to policyholders who consolidate policies with them such as combining an auto and homeowners policy. Discounts can add up to ten or even up to twenty percent in some cases. Even though this discount sounds good, it’s still a good idea to compare rates to ensure the best deal.

Tailor your coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there really is no cookie cutter policy. Every insured’s situation is different so this has to be addressed. These are some specific questions may help you determine whether you could use an agent’s help.

  • Do I need PIP (personal injury protection) coverage in my state?
  • Which companies will insure high-risk drivers?
  • How high should deductibles be on a 2015 Volkswagen Tiguan?
  • Does my 2015 Volkswagen Tiguan need full coverage?
  • Is my custom paint covered by insurance?
  • How much liability do I need to cover my assets?
  • Do I pay less if my vehicle is kept in my garage?
  • Should I buy full coverage?
  • Why does it cost so much to insure a teen driver?
  • Does coverage extend to a rental car in a foreign country?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

Auto insurance coverages explained

Knowing the specifics of your auto insurance policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Shown next are typical coverages available from auto insurance companies.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for pain medications, dental work, doctor visits, nursing services and hospital visits. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive insurance

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like theft, rock chips in glass, damage from a tornado or hurricane and hail damage. The most your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability coverage

Liability insurance protects you from injuries or damage you cause to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as medical services, funeral expenses, repair costs for stationary objects and loss of income. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage protection

Collision insurance will pay to fix damage to your Tiguan 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 insurance covers claims like hitting a mailbox, sustaining damage from a pot hole, damaging your car on a curb, rolling your car and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also bump up the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your 2015 Volkswagen Tiguan.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Most of the time these coverages are similar to your liability insurance amounts.

Don’t throw your cash in the trash

You just learned a lot of tips how to reduce 2015 Volkswagen Tiguan insurance prices online. It’s most important to understand that the more providers you compare, the better your comparison will be. You may even find the best prices are with a smaller regional carrier. Regional companies may cover specific market segments cheaper than their larger competitors like Allstate and Progressive.

When you buy insurance online, never skimp on coverage in order to save money. In many instances, consumers will sacrifice liability coverage limits to discover at claim time that the few dollars in savings costed them thousands. Your focus should be to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

Budget-conscious insurance is definitely available online and also from your neighborhood agents, and you need to price shop both so you have a total pricing picture. Some insurance companies may not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

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