Lower Your 2014 Volkswagen Touareg Car Insurance Rates

Searching for better car insurance rates for your Volkswagen Touareg? Buying the cheapest car insurance online is challenging for consumers who are beginners to quoting and online price comparisons. With so many companies in the marketplace, how can drivers possibly compare every company to locate the cheapest rates?

It’s a great practice to quote other rates before your next renewal because car insurance rates trend upward over time. Just because you had the lowest rate on Touareg coverage two years ago the chances are good that you can find a lower price today. You’ll find quite a bit of inaccurate information about car insurance out there, but you can learn some tested techniques to reduce your car insurance bill.

If you currently have a car insurance policy, you will be able to cut costs considerably using these tips. This information will help educate you on the most effective way to quote insurance and some tricks to saving. Although consumers must understand the way insurance companies price online insurance.

How you can control Volkswagen Touareg insurance rates

Many factors are part of the equation when quoting car insurance. Some are pretty understandable such as your driving history, but some are not as apparent like where you live and annual miles driven.When buying auto insurance it’s important to understand the factors that are used to determine the price you pay for auto insurance. If you understand what positively or negatively impacts your premiums, this helps enable you to make changes that could result in cheaper rates.

The list below includes some of the major factors that factor into rates.

  • Your location is a factor – Living in less populated areas of the country is a positive aspect when shopping for auto insurance. Drivers in populated areas regularly have congested traffic and longer commute times. Fewer drivers on the road translates into fewer accident claims in addition to fewer liability claims.
  • Pleasure use or commuting – The more you drive in a year the more you’ll pay to insure your vehicle. Most insurance companies charge to insure your cars based upon how you use the vehicle. Cars and trucks that sit idle most of the time qualify for better rates than those used for commuting. It’s always a good idea to double check that your declarations sheet states the correct usage. Incorrect rating for your Touareg may be costing you higher rates.
  • Too many claims drive up rates – If you are a frequent claim filer, you can look forward to increased rates or even have your policy non-renewed. Car insurance companies award lower rates to insureds that do not abuse their auto insurance. Auto insurance is intended for more catestrophic claims.
  • Your spouse saves you money – Walking down the aisle may earn you lower rates when shopping for auto insurance. Having a spouse means you’re more mature than a single person it has been statistically shown that drivers who are married are more cautious.
  • Lower stress equals lower rates – Occupations like fire fighters, architects and miners usually pay higher premium rates due to intense work situations and lots of time spent away from family. Conversely, jobs like scientists, historians and homemakers pay the least on Touareg coverage.
  • Cars with good safety ratings mean better premiums – Vehicles with high crash test scores are cheaper to insure. Vehicles engineered for safety reduce occupant injuries and any reduction in injury severity means less money paid by your insurance company passed on to you as lower rates.
  • Bundle policies and save – Some companies apply a discount to policyholders who carry more than one policy such as combining an auto and homeowners policy. The discount can be ten or even fifteen percent. Even if you’re getting this discount you still need to comparison shop to help guarantee you have the best rates. It’s possible to still find better rates by buying insurance from more than one company.

The easiest way to compare policy rates is to know the fact car insurance companies participate in online systems to give rate comparisons. To start a quote, the only thing you need to do is give the companies some data like if you require a SR-22, driver details, how you use your vehicles, and your credit rating estimate. Your information gets transmitted to all major companies and they return rate quotes instantly to find the best rate.

Well known brands might not be cheapest

Big name companies like Progressive, Allstate and GEICO regularly use ads on television and other media. They all make the same claim about savings if you move to their company. How do they all offer you a better deal? This is the trick they use.

Insurance companies have specific guidelines for the type of driver that is profitable for them. An example of this type of risk profile could possibly be between 30 and 50, has a low-risk occupation, and drives less than 7,500 miles a year. Anyone that hits that “sweet spot” will qualify for the lowest rates and will most likely save quite a bit of money when switching.

Drivers who fall short of these criteria will be charged higher prices which translates to the driver buying from a lower-cost company. If you pay attention, the ads say “drivers who switch” but not “all drivers who get quotes” can get the lowest rates when switching. This is how insurance companies can confidently make claims that they all have the best premium rates. Different companies use different criteria so you absolutely need to get car insurance quotes from several different companies. Because you never know which company will fit your personal profile best.

Lower-cost auto insurance rates with discounts

Auto insurance companies don’t necessarily list all disounts in an easy-to-find place, so the next list breaks down both the well known and the harder-to-find discounts that you may qualify for.

  • Defensive Driver – Participating in a class that teaches defensive driving techniques could save 5% or more and easily pay for the cost of the class.
  • Theft Prevention Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems prevent vehicle theft and will save you 10% or more.
  • No Claim Discounts – Drivers who don’t have accidents get the best auto insurance rates when compared with policyholders that have many claims.
  • Discount for Passive Restraints – Cars that have air bags or automatic seat belts may qualify for discounts of 20% or more.
  • New Car Discount – Insuring a vehicle that is new can save you some money due to better safety requirements for new vehicles.
  • Distant Student Discount – who are attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Life Insurance – Not every insurance company offers life insurance, but if they do you may earn better auto insurancerates if you take out some life insurance too.
  • Seat Belts Save – Drivers who require all occupants to buckle up before driving can save 10% or more off the PIP or medical payment premium.

Remember that most credits do not apply to all coverage premiums. Some only reduce individual premiums such as medical payments or collision. Just because it seems like it’s possible to get free car insurance, nobody gets a free ride.

Larger auto insurance companies and some of the discounts are detailed below.

  • Progressive may have discounts that include online quote discount, multi-policy, multi-vehicle, good student, online signing, homeowner, and continuous coverage.
  • AAA offers discounts including education and occupation, good student, multi-car, AAA membership discount, pay-in-full, anti-theft, and good driver.
  • Farmers Insurance discounts include alternative fuel, good student, teen driver, bundle discounts, and homeowner.
  • GEICO policyholders can earn discounts including military active duty, five-year accident-free, emergency military deployment, multi-policy, and anti-lock brakes.
  • Esurance has discounts for good student, Pac-12 alumni, multi-policy, multi-car, and homeowner.
  • SAFECO may offer discounts for drive less, multi-car, anti-lock brakes, anti-theft, homeowner, and bundle discounts.
  • State Farm offers premium reductions for good student, multiple autos, passive restraint, driver’s education, and defensive driving training.

When comparing rates, check with each insurance company which discounts you may be entitled to. Savings may not apply to policyholders in every state. To find insurance companies with the best discounts, click this link.

Tailor your insurance coverage to you

When it comes to buying adequate coverage for your vehicles, there really is not a “perfect” insurance plan. Each situation is unique.

These are some specific questions may help you determine if your insurance needs could use an agent’s help.

  • Does medical payments coverage apply to all occupants?
  • Do I need added coverage for expensive stereo equipment?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • When can I cancel my policy?
  • What happens if I owe more than my 2014 Volkswagen Touareg is worth?
  • Is my cargo covered for damage or theft?
  • What is the rate difference between pleasure use and commuting?
  • Is my nanny covered when driving my vehicle?
  • Is my teenager covered with friends in the car?
  • I have good health insurance, so how much medical payments coverage do I need?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Coverages available on your policy

Knowing the specifics of auto insurance can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Collision protection

Collision insurance covers damage to your Touareg caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like hitting a mailbox, driving through your garage door, rolling your car, damaging your car on a curb and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Liability

This can cover injuries or damage you cause to a person or their property. It protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims like medical services, bail bonds, repair costs for stationary objects, court costs and attorney fees. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.

Comprehensive coverages

This covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as fire damage, hail damage, damage from flooding, damage from a tornado or hurricane and falling objects. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like funeral costs, surgery, chiropractic care, X-ray expenses and hospital visits. They can be used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Volkswagen Touareg.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Be a penny pincher

Drivers change insurance companies for a variety of reasons including questionable increases in premium, high rates after DUI convictions, being labeled a high risk driver and lack of trust in their agent. Regardless of your reason, choosing a new company can be easier than you think.

As you quote car insurance, it’s a bad idea to sacrifice coverage to reduce premiums. There are too many instances where an accident victim reduced collision coverage and learned later they didn’t have enough coverage. The aim is to buy a smart amount of coverage at the best possible price but still have enough coverage for asset protection.

We just covered many tips how you can reduce 2014 Volkswagen Touareg insurance auto insurance rates online. The most important thing to understand is the more price quotes you have, the better likelihood of getting affordable car insurance. Drivers may discover the lowest auto insurance rates are with a smaller regional carrier.

Much more information about car insurance is located on the following sites:

Comments About 2014 Volkswagen Touareg Insurance

  1. Jeana Hess

    Nice post. Live in Kansas City, Missouri. I got free quotes from USAA, AAA, The General, and Safeco for my Touareg and I think I saved around $30 each month. Left Hartford to switch.

  2. Agripina Lancaster

    Hope my car insurance gets cheaper. I live just to the north of Kansas City, KS. Quoted quotes from American Family, MetLife, and some smaller one I can’t remember the name of for my Volkswagen and I think I saved around $50 each month. Teenage drivers are expensive!

  3. Jesus Norton

    Mine is so expensive. From northwest of Kailua, HI. I quoted with USAA, American Family, Hanover, and MetLife for my Touareg and saved $185 a year. Thankfully I’m not a high risk driver. I quoted rates online then called them.

  4. Jaymie Joyce

    I went with Progressive at renewal. Best rates in Owensboro, KY. Left Amica to switch. Highly recommended.

  5. Cassandra Barber

    Quoted with 21st Century for my Volkswagen and am saving around $280 a year. I think they have home insurance too. Not sure about claim service.

  6. Delena Hewitt

    I live in Columbus, GA. Got free quotes online for a 2014 Volkswagen Touareg. Ended up at about $340 savings annually. Went with GEICO. Left Eastwood to switch. Might find lower rates online.

  7. Crissy Moreno

    Live in Boise, ID. Quoted quotes from Allstate, Amica, Esurance, and GMAC for my 2014 Volkswagen Touareg and saved $536 a year. Insured with Encompass before. I got a quote from their website.

  8. Sacha Weiss

    Cheap car insurance? What’s that? From northwest of Cleveland, OH. Quoted with Allstate, Amica, and Esurance for my Volkswagen and I’m now saving $19 a month. I got a quote from their website.

  9. Sharon Walter

    Live in the western part of Frederick, MD. Not sure of all the companies but I ended up saving about $30 each month. I get lower rates because of my clean driving record.

  10. Joe Cleveland

    Here’s my quote info. Lifelong resident of Henderson, Nevada. Compared quite a few companies. Saved roughly $70 a month. GEICO was the best choice for me. Was with Allstate. They have a lot of discounts available.

  11. Augustina Roman

    Does Allstate insure after a DUI?