Cheaper 2015 Volkswagen Tiguan Insurance Quotes

Looking for better car insurance rates for your Volkswagen Tiguan? Scraping up a payment for expensive Volkswagen Tiguan insurance can take a big chunk out of your bank account and put a big crunch on your finances. Performing a price comparison can help to make sure you’re not throwing money away.

Because there are so many insurance companies to choose from, it is very difficult to locate the cheapest car insurance provider.

You should take the time to shop coverage around before your next renewal because car insurance rates trend upward over time. If you had the lowest premium rates on Tiguan insurance a few years ago a different company probably has better prices today. You can find a lot of wrong information about car insurance on the web, but you can learn some proven techniques to find cheap car insurance.

Finding affordable coverage is easy if you know what you’re doing. If you are insured now or are looking for a new policy, you can follow these tips to get lower rates and still get good coverage. Vehicle owners only need an understanding of the best way to get comparison rates online.

Decisions you make can impact your insurance premiums

The best way to find cheaper car insurance is to take a look at some of the factors that help calculate your car insurance rates. If you have a feel for what influences your rates, this enables you to make decisions that could result in lower car insurance prices. Many factors are part of the calculation when you get a price on insurance. Some are pretty understandable such as your driving record, although others are more obscure such as whether you are married or your commute time.

The following are some of the factors that factor into your premiums.

  • Only buy extra coverages you need – There are many extra bells and whistles that may not really be needed if you don’t pay attention. Insurance for things like roadside assistance, towing, and Farm Bureau memberships may be wasting your money. They may seem good at first, but your needs may have changed so get rid of them and save.
  • Decrease prices by maintaining coverage – Driving without insurance can get your license suspended and as a result your rates will increase for letting your insurance coverage expire. Not only will you pay more, being ticketed for driving with no insurance could earn you a steep fine or even jail time. Then you may be required to file a SR-22 with your state motor vehicle department.
  • Rate your vehicle for proper use – Driving a lot of miles in a year’s time the more you’ll pay to insure your vehicle. Many insurance companies charge to insure your cars based on how the vehicle is used. Autos that do not get driven very much can get a lower rate than vehicles that have high annual mileage. It’s always a good idea to double check that your car insurance coverage is showing the right rating data, because it can save money. An improperly rated Tiguan may be costing you.
  • Keep insurance claims to a minimum – Insurance companies provide the best rates to drivers who are not frequent claim filers. If you’re an insured who likes to file claims you can definitely plan on increased rates or even have your policy non-renewed. Your insurance policy is designed for claims that you cannot pay yourself.
  • Save money by raising physical damage deductibles – Comprehensive and collision coverage deductibles state the amount of money you are willing to pay if a covered claim is submitted. Insurance for physical damage, aka comp and collision, insures against damage to your car. A few examples of covered claims would be rearending another vehicle, vandalism, and having a roll-over accident. The larger the amount you choose to pay out-of-pocket, the lower your rates will be on Tiguan insurance.
  • Save money by having high credit – A driver’s credit score can be an important factor in calculating your premium rate. Consumers who have high credit ratings tend to be better drivers and file fewer claims as compared to drivers with lower credit scores. If your credit score can use some improvement, you may save money insuring your 2015 Volkswagen Tiguan by repairing your credit.
  • Having a spouse can lower premiums – Having a significant other actually saves money on car insurance. Marriage translates into being more stable financially it has been statistically shown that married drivers tend to have fewer serious accidents.
  • How many coverages with the same company – Lots of companies will give better rates to buyers who have multiple policies with them. It’s known as a multi-policy discount. This can amount to 10 percent or more. If you currently are using one company, it’s still a good idea to comparison shop to help ensure you have the lowest rates. Consumers may save more without the discount by buying from different companies

Do you qualify for discounts?

Car insurance is expensive, but you might be missing out on some discounts that can dramatically reduce your bill. Larger premium reductions will be automatically applied when you get a quote, but occassionally some discounts must be asked for before you will receive the discount.

  • Discounts for Multiple Vehicles – Having more than one vehicle with one company could earn a price break for each car.
  • Buy New and Save – Buying car insurance coverage on a new vehicle may earn a small discount since new model year vehicles have better safety ratings.
  • Discount for Life Insurance – Car insurance companies who offer life insurance give better premium rates if you take out auto and life insurance together.
  • Driving Data Discount – Policyholders that allow their insurance company to study driving manner remotely such as Progressive’s Snapshot and State Farm’s In-Drive could save a few bucks if they have good driving habits.
  • E-sign – A few larger online companies will give a small break for signing up on the internet.
  • Homeowners Pay Less – Being a homeowner can get you a discount because it means you have a higher level of financial diligence.
  • Student Driver Training – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class as it will make them better drivers and lower rates.
  • Pay Early and Save – If you can afford to pay the entire bill instead of monthly or quarterly installments you can actually save on your bill.

We need to note that most discounts do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as liability and collision coverage. Even though the math looks like it’s possible to get free car insurance, companies don’t profit that way.

Large car insurance companies and a selection of discounts are shown below.

  • State Farm includes discounts for multiple policy, Steer Clear safe driver discount, good student, safe vehicle, anti-theft, student away at school, and accident-free.
  • Geico may offer discounts for multi-vehicle, federal employee, daytime running lights, emergency military deployment, and defensive driver.
  • Liberty Mutual discounts include teen driver discount, new vehicle discount, good student, new graduate, new move discount, and preferred payment discount.
  • The Hartford offers discounts including driver training, good student, vehicle fuel type, air bag, anti-theft, bundle, and defensive driver.
  • MetLife has discounts for multi-policy, claim-free, good student, accident-free, and good driver.
  • Progressive policyholders can earn discounts including online quote discount, homeowner, good student, continuous coverage, online signing, and multi-vehicle.

Double check with every prospective company what discounts are available to you. Discounts may not be available in your state.

Don’t assume everyone needs the same insurance coverage coverage

When it comes to choosing the best insurance coverage coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions may help you determine if you might need professional guidance.

  • Why am I required to get a high-risk car insurance policy?
  • When would I need rental car insurance?
  • Are rental cars covered under my policy?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • What is high-risk coverage and where do I buy it?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I covered by my spouse’s policy after a separation?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverages for a 2015 Volkswagen Tiguan

Knowing the specifics of your insurance policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement. Listed below are typical coverage types found on most insurance policies.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Volkswagen Tiguan.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for expenses for things like surgery, hospital visits, nursing services, dental work and ambulance fees. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Liability insurance

Liability coverage provides protection from damages or injuries you inflict on a person or their property in an accident. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage pays for things such as pain and suffering, funeral expenses, structural damage and court costs. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage protection

This coverage will pay to fix damage to your Tiguan caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like crashing into a ditch, rolling your car, driving through your garage door and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hitting a deer, hitting a bird, falling objects, a tree branch falling on your vehicle and a broken windshield. The maximum amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Best coverage at the best price

Cheaper insurance coverage can be bought from both online companies and from local insurance agents, and you need to comparison shop both to have the best rate selection. Some companies may not have the ability to get quotes online and most of the time these smaller companies sell through independent agents.

When you buy auto insurance online, never buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped full coverage and found out when filing a claim they didn’t have enough coverage. The proper strategy is to purchase plenty of coverage at an affordable rate.

More detailed insurance coverage information is available at these sites:

Comments About 2015 Volkswagen Tiguan Insurance

  1. Michelina Patel

    In Charlotte, NC, State Farm auto insurance rates for my 2015 Volkswagen Tiguan were good. I have a teen driver too.

  2. Talia William

    Quoted with Liberty Mutual for my Volkswagen and saved around $540 a year. Good savings if you bundle. It never hurts to quote around.

  3. Kayla Raymond

    Found cheapest coverage with USAA for my Volkswagen and cut my rates about $480 a year. They have free quotes online.

  4. Dona Gaines

    Here’s what I found out. I live north of Virginia Beach, VA. Received quotes from The General, AAA, Nationwide, and a couple others for my 2015 Volkswagen Tiguan and saved just over $550 a year. I get a discount for insuring multiple vehicles.

  5. Yanira Blackwell

    Great site. I live just outside Aurora, IL. Compared rates from a lot of places. Saved about $30 a month. Allstate was the best choice for me. Was with GEICO. I have a teen driver too. They offer free online rate quotes.

  6. Marg Burt

    Where is cheaper car insurance? Lifelong resident of Fairbanks, AK. Quoted with GEICO, The General, and Esurance for my Tiguan and I’m now saving $19 a month. Insured with Liberty Mutual before. Got better coverage too. It never hurts to quote around.

  7. Elbert Parrish

    Got pretty cheap 2015 Volkswagen Tiguan insurance from Allstate in Henderson, Nevada.

  8. Jolyn Stafford

    Any 21st Century or Eastwood customers near Charleston, South Carolina?

  9. Barrie Huffman

    Lots of useful info here. From west side of Pittsburgh, PA. Went online for free insurance quotes for a 2015 Volkswagen Tiguan. Ended up at about $270 savings annually. Went with 21st Century. BTW speeding tickets are not good.

  10. Shana Buckner

    Anyone know of any company in Tampa, Florida that will insure high risk drivers?

  11. Vernon Browning

    Not sure if this is cheap. I live just outside Rio Rancho, NM. Quoted with 21st Century, Amica, Erie, and Hanover for my 2015 Volkswagen Tiguan and I think I saved about $30 each month. Left GMAC to switch. They have a lot of discounts available. :)

  12. Xenia Barnett

    I got quite a few price quotes for a 2015 Volkswagen Tiguan in Hartford, Connecticut. Ended up at about $300 every six months with AIG Insurance. Insured with Sentry before.

  13. Wilton Hernandez

    Cheaper car insurance is a myth. Proud to be from Baton Rouge, LA. Received prices from 21st Century, Amica, and Erie for my 2015 Volkswagen Tiguan and saved around $250 a year.

  14. Marge Joyner

    I’m just east of Tulsa, OK. Got free quotes online for a 2015 Volkswagen Tiguan. Ended up at about $190 savings annually. Went with Progressive. I got prices on the web.

  15. Arlie Merritt

    I got decent rates for a 2015 Volkswagen Tiguan in Norfolk, Virginia. Ended up at right around $130 every six months with Auto-Owners. Got better coverage too. I used their online quote form to compare rates.

  16. Natisha Fitzgerald

    Affordable car insurance is a myth. I’m in the south part of Shreveport, Louisiana. Quoted prices from Travelers, AAA, Hartford, and Mercury for my Volkswagen and cut my rates about $480 a year.

  17. Jeraldine Mcbride

    Cheap car insurance? What’s that? Located in Nashua, NH. Quoted a bunch of companies. Saved right around $30 a month. Allstate was the cheapest option for me. Left Liberty Mutual to switch. I have a couple other vehicles on the policy. I quoted rates online then called them.