Save on 2012 Volkswagen Touareg Insurance Cost

Trying to find the cheapest insurance for a Volkswagen Touareg can turn out to be a lot of work, but you can follow these tips to make it easier.

There is a right way and a wrong way to shop for insurance coverage and you need to know the quickest way to price shop coverage for a Volkswagen and obtain the best price possible.

If you are insured now or are shopping for new coverage, you can follow these tips to find better prices while maintaining coverages. Finding more affordable coverage is not that difficult. Drivers just need to learn the most efficient way to compare company rates on the web.

The quickest method we recommend to compare car insurance rates utilizes the fact car insurance companies pay for the opportunity to give you rate quotes. To start a quote, the only thing you need to do is provide information such as your credit rating estimate, coverage limits, whether you drive to work or school, and if you went to college. That rating information gets transmitted to many highly-rated insurers and you should receive rate quotes immediately.

Insurance coverage myths debunked

Drivers can’t escape the ads that claim the lowest prices from companies such as State Farm, Allstate and GEICO. They all seem to make an identical promise about saving some big amount after switching to them.

How can each company save you money? It’s all in the wording.

Insurance companies give the cheapest rates for the driver that is profitable for them. For instance, this type of risk profile could possibly be between the ages of 30 and 50, insures multiple vehicles, and insures a new vehicle. A customer who matches those parameters gets the lowest car insurance rates and is almost guaranteed to save if they switch.

Insureds who don’t meet the ideal profile may be required to pay a more expensive rate which results in the driver buying from a lower-cost company. If you listen to the ad wording, they say “people that switch” not “everyone who quotes” can save as much as they claim. This is how companies can claim big savings.

This really illustrates why you really need to get insurance coverage quotes from several different companies. Because you never know the company that will have the lowest rate quotes.

Auto Insurance Discounts

Insuring your fleet can be pricey, but you might be missing out on some discounts that may help make it more affordable. Many of these discounts will be applied automatically at the time of quoting, but a few must be manually applied before you get the savings.

  • Early Renewal Discounts – Some auto insurance companies give discounts for switching policies prior to your current policy expiration. It’s a savings of about 10%.
  • Anti-lock Brake Discount – Cars equipped with ABS or steering control can reduce accidents and will save you 10% or more.
  • Bundle and Save – When you combine your auto and homeowners insurance with one company you could get a discount of approximately 10% to 15%.
  • Life Insurance Discount – Insurance companies who offer life insurance give lower rates if you buy some life insurance too.
  • Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts can save up to 10 percent (depending on the company) off the medical payments premium.
  • Paperless Signup – A handful of larger companies will give you a small discount simply for signing on the internet.
  • Good Student Discount – Getting good grades can save 20 to 25%. Most companies allow this discount up until you turn 25.
  • Discounts for New Vehicles – Adding a new car to your policy may earn a small discount since new model year vehicles have better safety ratings.
  • Low Miles Discount – Fewer annual miles on your Volkswagen could qualify for better prices on cars that stay parked.
  • Theft Prevention System – Cars and trucks equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and that can save you a little bit as well.

Remember that most of the big mark downs will not be given to all coverage premiums. Most cut individual premiums such as comp or med pay. So when it seems like you can get free auto insurance, it just doesn’t work that way.

Larger auto insurance companies and their offered discounts are outlined below.

  • State Farm may include discounts for accident-free, safe vehicle, student away at school, Steer Clear safe driver discount, and defensive driving training.
  • Farmers Insurance offers discounts including business and professional, teen driver, multi-car, switch companies, electronic funds transfer, youthful driver, and good student.
  • Progressive policyholders can earn discounts including online signing, multi-vehicle, multi-policy, good student, and online quote discount.
  • GEICO discounts include anti-lock brakes, five-year accident-free, multi-policy, daytime running lights, and federal employee.
  • Auto-Owners Insurance has savings for company car, safe driver, paperless, multi-policy, and paid in full.
  • The Hartford offers premium reductions for air bag, anti-theft, vehicle fuel type, driver training, good student, and defensive driver.
  • Farm Bureau may have discounts that include youthful driver, safe driver, good student, multi-vehicle, driver training, and 55 and retired.
  • USAA may offer discounts for annual mileage, new vehicle, multi-vehicle, safe driver, and family discount.

It’s a good idea to ask every insurance company how you can save money. Some credits may not be offered in your area. To view auto insurance companies with significant discounts, click here to view.

Tailor your car insurance coverage to you

When choosing adequate coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help highlight if your situation would benefit from an agent’s advice.

  • Will filing a claim cost me more?
  • Is extra glass coverage worth it?
  • Does my insurance cover my expensive audio equipment?
  • Am I getting all the discounts available?
  • Should I bundle my homeowners policy with my auto?
  • Why am I required to buy liability insurance?
  • Do I have coverage if my license is suspended?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form. It’s fast, free and can help protect your family.

Insurance policy coverages for a 2012 Volkswagen Touareg

Understanding the coverages of your insurance policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for pain medications, prosthetic devices and surgery. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your 2012 Volkswagen Touareg.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these limits do not exceed the liability coverage limits.

Liability insurance

This will cover injuries or damage you cause to other people or property. This insurance protects YOU against claims from other people, and does not provide coverage for 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. You commonly see limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things like loss of income, repair costs for stationary objects, pain and suffering, medical services and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage

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

Collision coverage protects against claims such as crashing into a ditch, damaging your car on a curb and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Comprehensive insurance

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like vandalism, hitting a deer, damage from a tornado or hurricane and theft. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Shop smart and save

When buying insurance coverage, it’s not a good idea to buy poor coverage just to save money. There have been many cases where drivers have reduced collision coverage to discover at claim time that the few dollars in savings costed them thousands. Your focus should be to buy enough coverage at the best possible price and still be able to protect your assets.

Drivers who switch companies do it for many reasons like not issuing a premium refund, lack of trust in their agent, denial of a claim or poor customer service. It doesn’t matter what your reason, choosing a new company is not as hard as you think.

Cost effective 2012 Volkswagen Touareg insurance is attainable both online as well as from independent agents, and you should compare price quotes from both in order to have the best chance of saving money. There are still a few companies who do not offer rate quotes online and many times these regional carriers work with independent insurance agents.

Helpful information

Comments About 2012 Volkswagen Touareg Insurance

  1. Jacquline Day

    Will Allstate raise rates for a small claim?

  2. Dewayne Craft

    I can’t pay high rates. Went with Western Auto Insurance for my Volkswagen and am saving around $280 a year. Thankfully I’m not a high risk driver.

  3. Dana Hood

    I compared a lot of rate quotes for a 2012 Volkswagen Touareg in Burlington, Vermont. Ended up at roughly $330 every six months with Amica. Insured with Encompass before. :)

  4. Rosalinda Carey

    Live in the southern part of New Orleans, LA. Quoted rates from GEICO, Encompass, and Hanover for my Touareg and I’m now saving $33 a month. Get lots of quotes to find the best rate.

  5. Concetta Bond

    Proud to be from West Valley City, UT. I don’t recall every quote but I ended up saving about $30 each month. Was with Eastwood. Good savings if you bundle. I used their online quote form to compare rates.

  6. Tyler Stephenson

    Great site. Live in the southern part of Fort Smith, Arkansas. Quoted with AIG Insurance, MetLife, and a few others for my Volkswagen and I’m now saving $64 a month. Good savings if you bundle.

  7. Cole Shaffer

    Cheap is not always the best policy. Found cheapest coverage with Liberty Mutual for my Volkswagen and saved around $220 a year.

  8. Eliana Freeman

    State Farm is cheapest in North Carolina! :)

  9. Dorathy Nixon

    When do I drop full coverage?

  10. Annita Griffin

    Does State Farm have good customer service?

  11. Alexandria Bush

    All companies are crooks. I live in a small town just outside of Fairbanks, AK. I got free prices from USAA, AIG Insurance, Hanover, and Mercury for my Touareg and I’m now saving $22 a month. It never hurts to quote around.

  12. Logan Duran

    21st Century was cheapest for my 2012 Volkswagen Touareg in Rutland, VT.

  13. Floyd Barrera

    I got quite a few price quotes for a 2012 Volkswagen Touareg in Springfield, MA. Ended up at right around $180 every six months with AIG Insurance.