Cheap 2013 Volkswagen Tiguan Insurance Cost

Trying to find the cheapest auto insurance rates for your Volkswagen Tiguan? Are you burned out from not being able to afford to pay auto insurance each month? You are in the same boat as millions of other people.

You have multiple auto insurance companies to purchase coverage from, and even though it’s nice to be able to choose, lots of choices makes it harder to find the best rates.

Cheap insurance rate quotes online

Performing a rate comparison can be a daunting task if you don’t utilize the most efficient way to do it. You can waste a few hours (or days) talking about coverages with insurance companies in your area, or you can stay home and use the web to accomplish the same thing much quicker.

The majority of car insurance companies are enrolled in a marketplace where insurance shoppers submit their information once, and at least one company can give them a price based on that information. This eliminates the need for quote forms to each company.

To compare rates using this form now click here to start a free quote.

The only drawback to pricing coverage this way is you are unable to specify the companies to get pricing from. So if you prefer to choose individual companies to compare, we have a listing of the cheapest insurance companies in your area. Click to view list.

However you get your quotes, try to use exactly the same deductibles and coverage limits with each company. If you enter different deductibles it will be nearly impossible to determine the lowest rate for your Volkswagen Tiguan. Just a small difference in limits can make a big difference in price. It’s important to know that making a lot of price comparisons provides better odds of finding more affordable rates. Some regional insurers cannot provide online quotes, so it’s important to compare prices from those companies as well.

You may qualify for discounts

Some companies don’t always publicize the complete list of policy discounts very clearly, so the following list contains some of the more common and also the more inconspicuous savings tricks you should be using when you buy auto insurance online. If you don’t get every credit possible, you may be paying too high a price.

  • Seat Belts Save more than Lives – Forcing all vehicle occupants to fasten their seat belts may be able to save a few bucks on the medical payments or PIP coverage costs.
  • Theft Prevention System – Cars and trucks that have factory anti-theft systems are stolen less frequently so companies will give you a small discount.
  • Discount for Low Mileage – Driving less could earn lower prices on the low mileage vehicles.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks with the same insurance coverage company can reduce the rates for all insured vehicles.
  • Defensive Driver Discounts – Successfully completing a class that teaches defensive driver techniques could earn you a small percentage discount and make you a better driver.
  • Claim-Free Discount – Good drivers with no accidents have much lower rates compared to insureds who have frequent claims or accidents.
  • Accident Waiver – Not necessarily a discount, but a few companies such as Progressive and Allstate will turn a blind eye to one accident without the usual rate increase so long as you are claim-free for a specific time period.
  • Active Service Discounts – Having a deployed family member could trigger a small discount.

It’s important to note that many deductions do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it appears all those discounts means the company will pay you, company stockholders wouldn’t be very happy. But any discount will positively reduce the cost of your policy.

A list of companies and some of the discounts include:

  • Farm Bureau policyholders can earn discounts including good student, safe driver, renewal discount, driver training, and multi-policy.
  • State Farm may have discounts that include good driver, passive restraint, safe vehicle, defensive driving training, accident-free, and Steer Clear safe driver discount.
  • Progressive offers premium reductions for continuous coverage, online quote discount, good student, homeowner, online signing, multi-policy, and multi-vehicle.
  • Allstate offers discounts including senior citizen, 55 and retired, anti-theft, premier discount, premier plus, resident student, and defensive driver.
  • Nationwide discounts include easy pay, defensive driving, accident-free, good student, and anti-theft.
  • MetLife has discounts for defensive driver, multi-policy, good student, accident-free, good driver, and claim-free.

Before purchasing a policy, check with every prospective company which discounts you may be entitled to. A few discounts may not be offered in your area.

Get cheaper insurance rates by understanding these factors

The best way to find cheaper auto insurance is to take a look at a few of the rating criteria that aid in calculating the level of your policy premiums. When you know what positively or negatively impacts premium levels, this enables informed choices that will entitle you to big savings. Lots of factors are used when pricing auto insurance. Some are obvious like your driving record, but some are more transparent like where you live or your financial responsibility.

The list below includes some of the factors used by insurance companies to determine your premiums.

  • Poor driving leads to higher prices – How you drive can have a huge impact on auto insurance premiums. Attentive drivers receive lower rates compared to drivers with tickets. Only having one moving violation can bump up the cost substantially. Drivers with multiple tickets like reckless driving or DUI may need to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to legally drive a vehicle.
  • When should you not file a policy claims? – Car insurance companies award lower rates to people that do not abuse their auto insurance. If you frequently file small claims, you can look forward to higher premiums or even policy non-renewal. Your car insurance is intended to be relied upon for claims that you cannot pay yourself.
  • Save miles and save money – The higher the mileage driven each year the more you’ll pay to insure your vehicle. Most insurance companies rate vehicles based upon how the vehicle is primarily used. Cars and trucks that do not get driven very much can get a lower rate than cars that get driven a lot. Ask your agent if your vehicle rating is showing the right rating data. An incorrectly rated Tiguan may be costing you higher rates.
  • Prevent your car from being stolen – Choosing a vehicle with advanced anti-theft systems can get you a discount on your auto insurance. Advanced theft deterrents such as OnStar, LoJack tracking, and tamper alarms all help prevent auto theft.
  • Having a spouse equates to better prices – Having a wife or husband may cut your premiums on auto insurance. It demonstrates that you tend to be more responsible it has been statistically shown that married drivers tend to file fewer claims.
  • Do you have enough liability protection? – Your auto insurance policy’s liability coverage provides coverage in the event that you are ruled to be at fault for physical damage or personal injury to other. Liability insurance provides legal defense starting from day one. Carrying liability coverage is mandatory and cheap compared to other policy coverages, so drivers should carry high limits.

There’s no such thing as the perfect car insurance policy

When buying the right insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s needs are different so this has to be addressed. These are some specific questions might point out if you could use an agent’s help.

  • Do I have coverage for damage caused while driving under the influence?
  • What is PIP insurance?
  • If my pet gets injured in an accident are they covered?
  • I have health insurance so do I need medical payments coverage?
  • Am I covered if I wreck a rental car?
  • Is my babysitter covered when using my vehicle?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Detailed coverages of your insurance policy

Knowing the specifics of your insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be difficult to understand and reading a policy is terribly boring. Listed below are the usual coverages offered by insurance companies.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for expenses like hospital visits, chiropractic care and ambulance fees. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Volkswagen Tiguan.

Due to the fact that many drivers only purchase the least amount of liability that is required, 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.

Liability insurance

This will cover damage or injury you incur to people or other property. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability insurance covers claims such as attorney fees, court costs and funeral expenses. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

Comprehensive protection

This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, a broken windshield, a tree branch falling on your vehicle, falling objects and vandalism. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage

Collision coverage covers damage to your Tiguan caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like sustaining damage from a pot hole, colliding with a tree and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Saving money is sweet as honey

There are still a few companies who don’t offer online price quotes and most of the time these small, regional companies provide coverage only through independent agents. Discount 2013 Volkswagen Tiguan insurance can be bought online in addition to many insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates.

We covered a lot of ways to get a better price on 2013 Volkswagen Tiguan insurance. It’s most important to understand that the more times you quote, the better your chances of lowering your premium rates. Drivers may discover the lowest car insurance rates are with some of the lesser-known companies. These smaller insurers can often insure niche markets at a lower cost than their larger competitors like Allstate or State Farm.

More tips and info about auto insurance is located at these sites:

Comments About 2013 Volkswagen Tiguan Insurance

  1. Larhonda Horn

    Enjoyed the article. I’m in the west part of Columbia, SC. Got prices from GEICO, American Family, and Encompass for my 2013 Volkswagen Tiguan and cut my rates about $560 a year. They have free quotes online.

  2. Magen Pugh

    It all costs too much. Proud to be from Evansville, IN. Quoted quotes with AAA, Eastwood, and Mercury for my Tiguan and saved $523 a year. I have kids on my policy, too. I used their website to get prices.

  3. Elanor Weber

    This is too expensive. Went with 21st Century for my Tiguan and saved around $570 a year. They were helpful in switching over.

  4. Augustus Boyd

    Do I have to carry car insurance in Montana?

  5. Joleen Stephens

    I found cheap 2013 Volkswagen Tiguan insurance in Mobile, AL with 21st Century.

  6. Yolande Sweeney

    If you’re a decent driver and live around Newark, NJ, check out 21st Century. You might save some money. Might find lower rates online.

  7. Sung Blanchard

    I’ve had 21st Century for years. I’m in Louisville, KY.

  8. Mercy Mendez

    Not sure if this is cheap. Quoted with AIG Insurance for my Tiguan and cut my rates about $490 a year. Got better coverage too. Not sure about claim service.

  9. Dillon Gould

    If you have a good history and live around West Valley City, Utah, check out 21st Century. You might get cheaper rates. Ask about discounts. Not sure if rates are cheaper online or not.