2009 Volkswagen Touareg 2 Insurance Rates – 5 Tips for Cheaper Quotes

Want better auto insurance rates for your Volkswagen Touareg 2? Having to pay for high-priced Volkswagen Touareg 2 insurance can bleed your personal savings, especially in this economy.

There are many car insurance companies to choose from, and though it is a good thing to have a choice, it can be more difficult to compare rates and find the lowest cost auto insurance.

You should make it a habit to compare prices periodically because auto insurance rates change frequently. Despite the fact that you may have had the best rate for Touareg 2 coverage two years ago you may be paying too much now. Ignore everything you know about auto insurance because I’m going to teach you one of the easiest ways to find lower rates on auto insurance.

Shopping for cheaper insurance coverage coverage is quite easy. Essentially every vehicle owner who has to buy insurance coverage should be able to find better rates. Nevertheless, drivers must learn how companies compete online.

Get cheap insurance rates with discounts

Insurance is easily one of your largest bills, but there are discounts available that you may not even be aware of. A few discounts will automatically apply when you quote, but some may not be applied and must be requested specifically in order for you to get them.

• Discount for Home Ownership – Being a homeowner can help you save on insurance because maintaining a house demonstrates responsibility.
• Switch and Save Discount – Some larger companies reward drivers for renewing your policy prior to your current policy expiring. You may see this discount when you get insurance quotes online.
• Drivers Education – Cut your cost by having your teen driver participate in a local driver’s education class if offered at their school.
• New Vehicle Savings – Buying insurance coverage on a new vehicle can cost up to 25% less due to better safety requirements for newer vehicles.
• Accident Forgiveness Coverage – Not necessarily a discount, but certain companies will allow you to have one accident before they charge you more for coverage if you are claim-free prior to being involved in the accident.

Drivers should understand that most of the big mark downs will not be given to your bottom line cost. Most only cut specific coverage prices like comp or med pay. So even though you would think it’s possible to get free car insurance, you aren’t that lucky.

A list of companies and a summarized list of policyholder discounts can be found below.

• Esurance offers premium reductions for homeowner, renters, Switch & Save, good driver, claim free, multi-policy, and safety device.
• The Hartford may offer discounts for driver training, defensive driver, vehicle fuel type, anti-theft, good student, air bag, and bundle.
• AAA may include discounts for AAA membership discount, multi-car, multi-policy, good driver, good student, and pay-in-full.
• Geico offers discounts for multi-vehicle, air bags, multi-policy, good student, five-year accident-free, and anti-lock brakes.
• State Farm offers discounts including accident-free, multiple autos, driver’s education, student away at school, passive restraint, and defensive driving training.

When getting free insurance quotes, it’s a good idea to every company the best way to save money. All car insurance discounts may not be offered in your area. To see insurance companies that provide some of the discounts listed above, click this link.

Tailor your auto insurance coverage to you

When buying proper insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s needs are different so your insurance needs to address that. For example, these questions might help in determining whether or not you would benefit from an agent’s advice.

• Can I make deliveries for my home business?
• When would I need rental car insurance?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Is my cargo covered for damage or theft?
• Is my nanny covered when driving my vehicle?

If you’re not sure about those questions but one or more may 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.

Drivers who switch save $400 a year? Really?

Insurance coverage providers like Progressive, Geico, Allstate and State Farm endlessly run ads on TV and radio. They all have a common claim about saving some big amount just by moving your insurance coverage policy to them. How can each company sell you cheaper insurance coverage? This is the trick they use.

Insurance coverage companies are able to cherry pick for the driver that will be a good risk. One example of a desirable insured may need to be over the age of 45, has a low-risk occupation, and drives a safe vehicle. A customer getting a price quote who fits those characteristics will qualify for the lowest prices and will probably save a lot if they switch.

Insureds who don’t qualify for these stringent criteria will be charged a higher rate and ends up with the driver buying from a lower-cost company. The ad wording is “drivers who switch” not “everybody who quotes” save money. That’s the way companies can truthfully claim big savings.

Because of the profiling, it’s extremely important to do a quote comparison often. It’s impossible to know which insurance companies will have the lowest rates for your situation.

Specific coverages for a Volkswagen Touareg 2

Understanding the coverages of a insurance policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are the normal coverages found on most insurance policies.

Comprehensive coverage

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as theft, hitting a deer, damage from a tornado or hurricane and rock chips in glass. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Volkswagen Touareg 2.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Frequently these coverages are similar to your liability insurance amounts.

Liability auto insurance

This coverage provides protection from damages or injuries you inflict on other people or property. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 which means $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 one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against claims like repair costs for stationary objects, funeral expenses and legal defense fees. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Collision coverage

This covers damage to your Touareg 2 resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like backing into a parked car, rolling your car and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like X-ray expenses, pain medications, EMT expenses and dental work. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Pennies from heaven

When getting insurance quotes online, do not buy poor coverage just to save money. There are a lot of situations where an insured dropped full coverage to discover at claim time that the few dollars in savings costed them thousands. The proper strategy is to buy enough coverage for the lowest price, but do not skimp to save money.

Cheaper 2009 Volkswagen Touareg 2 insurance is attainable on the web and from local agencies, so you need to quote insurance with both to have the best chance of lowering rates. Some companies may not offer internet price quotes and many times these smaller companies prefer to sell through independent agents.

More resources

• Distracted Driving Statistics (Insurance Information Insitute)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Vehicle Size and Weight FAQ (iihs.org)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Coverage Information (Progressive Insurance)