2009 Volkswagen Tiguan Insurance Quotes – 9 Tips for Best Rates

Searching for the cheapest insurance coverage rates for your Volkswagen Tiguan? Have you finally had enough of not being able to afford to keep your car insured? You have the same problem as millions of other vehicle owners. You have multiple car insurance companies to pick from, and although it’s a good thing to be able to choose, it can be more challenging to find the best rates.

You should make it a habit to take a look at other company’s rates once or twice a year because prices are constantly changing. Even if you think you had the best deal on Tiguan coverage a couple years back you will most likely find a better premium rate today. Block out anything you think you know about insurance coverage because I’m going to let you in on the secrets to the fastest and easiest way to eliminate unnecessary coverages and save money.

Ways to get car insurance quotes

There are a lot of ways to compare car insurance quotes, and some are less labor-intensive and much quicker. You can waste a lot of time talking about coverages with insurance companies in your area, or you can utilize the web to get pricing more quickly.

Many companies belong to an insurance system that allows shoppers to submit their information once, and each participating company provides a quote based on that information. This saves time by eliminating form submissions for each company you want a rate for. To use this form to compare rates click to open in new window.

One minor caviat to getting quotes like this is you can’t choose the companies to get pricing from. If you wish to select from a list of companies to compare rates, we have a listing of companies who write car insurance in your area. Click here for list of insurance companies.

You can choose any of those ways to find more affodable coverage, but compare identical coverage data for every company. If the quotes have different limits and deductibles on each one it will be very difficult to determine which company has the best rates.

Lower-cost insurance coverage quotes with discounts

Insurance can be prohibitively expensive, but there could be available discounts that can drop the cost substantially. Some discounts will apply when you quote, but some may not be applied and must be inquired about before you get the savings.

• Professional Memberships – Belonging to a civic or occupational organization could earn you a nice discount when getting a insurance coverage quote.
• Theft Prevention System – Cars equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
• Auto/Life Discount – Larger companies have a discounted insurance coverage rate on car insurance if you buy a life insurance policy as well.
• Good Students Pay Less – Performing well in school may save you up to 25%. Earning this discount can benefit you well after school through age 25.
• Federal Employees – Simply working for the federal government could qualify for a slight premium decrease on Tiguan coverage but check with your company.
• Passive Restraint Discount – Factory air bags and/or automatic seat belt systems could see savings as much as 30%.
• Discount for Home Ownership – Owning a home can earn you a little savings since home ownership requires personal responsibility.
• New Vehicle Savings – Insuring a new car can cost up to 25% less because newer vehicles have to meet stringent safety requirements.
• Paper-free Discount – A few insurance companies provide a small discount for buying your policy on your computer.

Consumers should know that most discounts do not apply to the overall cost of the policy. The majority will only reduce individual premiums such as collision or personal injury protection. Despite the appearance that adding up those discounts means a free policy, that’s just not realistic. But all discounts will positively reduce your premiums.

Large insurance coverage companies and some of the premium reductions they offer can be found below.

• State Farm may have discounts that include Steer Clear safe driver discount, passive restraint, multiple policy, driver’s education, multiple autos, accident-free, and defensive driving training.
• Geico discounts include federal employee, defensive driver, anti-lock brakes, membership and employees, and military active duty.
• Liberty Mutual has savings for hybrid vehicle, new move discount, preferred payment discount, multi-policy, and teen driver discount.
• The Hartford may include discounts for anti-theft, driver training, vehicle fuel type, good student, and bundle.
• MetLife offers premium reductions for good student, claim-free, accident-free, multi-policy, good driver, and defensive driver.
• Progressive includes discounts for online signing, homeowner, multi-policy, online quote discount, and continuous coverage.

Check with every company which discounts you qualify for. Some credits may not be offered everywhere.

Tailor your insurance coverage coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions might point out whether or not you will benefit from professional help.

• What if I owe more than I can insure my car for?
• Should I waive the damage coverage when renting a car?
• Can I afford to buy a different vehicle if my 2009 Volkswagen Tiguan is totaled?
• How much underlying liability do I need for an umbrella policy?
• Can my babysitter drive my car?
• Do I need an umbrella policy?
• Are rock chip repairs covered?

If you’re not sure about those questions, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Don’t be fooled by advertising claims

Consumers can’t get away from all the ads that promise big savings from the likes of Allstate and Progressive. They all seem to state the claim that drivers can save some big amount after switching your insurance policy to them.

How does every insurance company offer drivers better rates?

All the different companies have a certain “appetite” for the type of driver that will be a good risk. For instance, a profitable insured should be a married female, owns a home, and chooses high deductibles. Anybody that fits those parameters will most likely get cheap prices and as a result will probably save money with a new company.

Insureds who fall outside these standards may receive a more expensive rate and this can result in the customer buying from a different company. The trick is to say “customers who switch” but not “all drivers who get quotes” can save as much as they claim. That’s why companies can advertise the savings. That is why drivers must compare quotes as often as possible. It is just not possible to predict which insurance company will have the best car insurance rates for your profile.

Coverages available on your policy

Having a good grasp of a insurance policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are the normal coverages found on most insurance policies.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like sideswiping another vehicle, damaging your car on a curb, hitting a parking meter and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also increase the deductible to bring the cost down.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like nursing services, ambulance fees, pain medications, prosthetic devices and hospital visits. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Liability auto insurance

Liability insurance protects you from damage that occurs to people or other property in an accident. It protects you against claims from other people, and doesn’t 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 policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things such as funeral expenses, medical expenses and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hitting a bird, hitting a deer, damage from flooding, a broken windshield and damage from a tornado or hurricane. The maximum amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Save your hard earned cash

We just covered a lot of tips how to compare 2009 Volkswagen Tiguan insurance prices online. The most important thing to understand is the more you quote insurance coverage, the more likely it is that you will get a better rate. You may even find the best price on insurance coverage is with a smaller regional carrier. Smaller companies can often insure niche markets at a lower cost than their larger competitors like Geico and State Farm.

Some insurance companies may not provide the ability to get quotes online and these small, regional companies only sell through local independent agents. Lower-priced insurance coverage can be sourced online and with local insurance agents, so you need to compare both so you have a total pricing picture.

Additional information can be read on the following sites:

• How to Avoid Common Accidents (State Farm)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)
• How do I File a Claim? (Insurance Information Insitute)
• Vehicle Insurance (Wikipedia)
• Collision Coverage (Liberty Mutual)