2014 Volkswagen Tiguan Insurance Quotes – 7 Tricks for Cheapest Rates

No normal person anticipates paying for auto insurance, especially when they could lower their rates if they shopped around.

Popular companies such as State Farm, Allstate, Geico and Progressive all claim big savings with advertising and it can be hard to sift through the bull and do the work needed to find the best deal.

It’s important to get comparison quotes occasionally due to the fact that insurance prices change frequently. Even if you got the best deal for Tiguan coverage a few years ago there may be better deals available now. Forget all the misinformation about auto insurance because it’s time to teach you the easiest way to save on auto insurance.

Seven discounts for lower-cost insurance rates

Buying insurance is not cheap, but there may be some discounts to help bring down the price. A few discounts will automatically apply when you purchase, but a few must be requested specifically before you will receive the discount.

• Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to use a seat belt could cut 10% or more off the PIP or medical payment premium.
• Theft Prevention Discount – Vehicles optioned with advanced anti-theft systems are less likely to be stolen and can earn a small discount on your policy.
• Driving Data Discount – Drivers who elect to allow driving data collection to spy on where and when they drive by using a small device installed in their vehicle such as State Farm’s In-Drive could save a few bucks as long as the data is positive.
• Senior Citizen Rates – Mature drivers may be able to get a slight reduction on a insurance quote for Tiguan coverage.
• Discounts for Federal Employees – Employees or retirees of the government can save as much as 8% for Tiguan coverage with select insurance companies.
• Claim Free – Good drivers with no accidents have much lower rates in comparison with drivers with a long claim history.
• ABS Brakes – Vehicles with ABS braking systems or traction control are safer to drive and qualify for as much as a 10% discount.

Consumers should know that most discounts do not apply to your bottom line cost. Some only apply to individual premiums such as medical payments or collision. So despite the fact that it appears all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

Larger insurance companies and the discounts they provide are detailed below.

• Progressive may offer discounts for homeowner, online signing, continuous coverage, multi-vehicle, and good student.
• MetLife may have discounts that include multi-policy, accident-free, good student, defensive driver, good driver, and claim-free.
• Mercury Insurance offers premium reductions for type of vehicle, anti-theft, accident-free, multi-policy, and annual mileage.
• Nationwide includes discounts for business or organization, family plan, accident-free, good student, and easy pay.
• Geico offers discounts including daytime running lights, air bags, military active duty, defensive driver, federal employee, and emergency military deployment.
• AAA may include discounts for good student, multi-policy, education and occupation, multi-car, anti-theft, good driver, and pay-in-full.

When getting a coverage quote, ask each insurance company to give you their best rates. Some discounts may not be offered in your area. To choose insurance companies with discount rates, click here to view.

How to compare car insurance price quotes

To get the cheapest insurance quotes, there a variety of ways of comparing rate quotes from local car insurance companies. The quickest method to compare 2014 Volkswagen Tiguan insurance prices is simply to get online rate quotes. This can be done using a couple different methods.

1. The easiest and least time consuming way consumers can analyze rates is to use a rate comparison form click to view form in new window. This easy form prevents you from having to do a different quote for each price estimate. One form gets you price quotes from several companies.
2. A harder way to compare rate quotes is to manually visit each company’s website and repeat the quote process again and again. For example, let’s assume you want to compare prices for USAA, Allstate and Farmers. To do that, you would have to go to each individual site to enter your coverage information, which is why first method is reommended.

   To view a list of companies in your area, click here.

You can use whichever method you prefer to find lower rates, just be sure you’re using the same coverage limits for every quote you compare. If your comparisons have different coverage information you will not be able to decipher which rate is best. Just slight variations in coverages can result in a big premium difference. And when quoting car insurance, remember that obtaining a wide range of quotes helps locate a lower rate. Some companies don’t provide prices over the internet, so it’s important to also get price quotes on coverage from those companies, too.

Tailor your car insurance coverage to you

When buying the right insurance coverage, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions can help discover if you might need professional guidance.

• Does insurance cover damages from a DUI accident?
• Does liability extend to a camper or trailer?
• Who is covered by my policy?
• When should I buy a commercial auto policy?
• Why is insurance for a teen driver so high?
• Do I benefit by insuring my home with the same company?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Car insurance coverages for a 2014 Volkswagen Tiguan

Learning about specific coverages of your car insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are the normal coverages found on the average car insurance policy.

Insurance for medical payments

Med pay and PIP coverage provide coverage for bills such as surgery, hospital visits, nursing services, prosthetic devices and X-ray expenses. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Liability insurance

Liability coverage provides protection from damage or injury you incur to people or other property that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things such as attorney fees, court costs, funeral expenses, legal defense fees and medical services. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

Auto collision coverage

Collision coverage will pay to fix damage to your Tiguan resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as crashing into a ditch, sideswiping another vehicle and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from a tornado or hurricane, hitting a deer, hail damage and falling objects. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and damage to your Volkswagen Tiguan.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Be a Smart Shopper

As you shop your coverage around, make sure you don’t skimp on critical coverages to save a buck or two. In too many instances, someone dropped liability limits or collision coverage and found out when filing a claim that it was a big error on their part. Your goal should be to find the BEST coverage at the best possible price, not the least amount of coverage.

Some insurance providers don’t offer internet price quotes and these smaller providers only sell through independent agencies. Cost effective 2014 Volkswagen Tiguan insurance can be bought from both online companies as well as from insurance agents, and you should compare price quotes from both to have the best selection.

Much more information about car insurance can be read at the links below

• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Insurance Losses by Make and Model (iihs.org)
• Safe Vehicles for Teens (iihs.org)
• Tools for Teen Driving Safety (State Farm)