Expensive auto insurance can take a big chunk out of your family’s budget and make it tough to pay other bills. Price shopping at each renewal can be a smart way to make sure you’re not throwing money away.
Multiple insurers compete for your hard-earned dollar, and it can be difficult to compare rates to find the absolute lowest cost out there.
Companies that sell car insurance don’t always list all possible discounts very clearly, so we took the time to find a few of the more common in addition to some of the lesser obvious discounts that you may qualify for.
Don’t be surprised that many deductions do not apply to all coverage premiums. A few only apply to specific coverage prices like comprehensive or collision. Even though it may seem like having all the discounts means you get insurance for free, companies wouldn’t make money that way.
A list of insurance coverage companies and some of their more popular discounts can be read below.
Check with every insurance company to apply every possible discount. All car insurance discounts may not apply in your area. To see providers who offer free insurance coverage quotes, follow this link.
The fastest way that we advise to compare insurance rates in your area utilizes the fact most insurance companies participate in a system to compare rate quotes. To get started, all you need to do is provide details like how much school you completed, whether your vehicle is owned or leased, what you do for a living, and whether you have decent credit. That information is sent automatically to all major companies and you get price estimates within a short period of time.
To start a rate quote now, click here and enter your zip code.
When choosing proper insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Every situation is different so your insurance needs to address that. For example, these questions can aid in determining whether your personal situation could use an agent’s help.
If it’s difficult to answer those 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.
Knowing the specifics of insurance can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on the average insurance policy.
Liability coverages – Liability insurance will cover damage that occurs to other people or property in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is a combined limit which limits claims to one amount with no separate limits for injury or property damage.
Liability can pay for claims like court costs, pain and suffering, medical services and repair costs for stationary objects. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.
Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as damage to your Volkswagen Tiguan.
Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time the UM/UIM limits are similar to your liability insurance amounts.
Collision – Collision coverage will pay to fix damage to your Tiguan resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims such as colliding with a tree, sustaining damage from a pot hole, hitting a parking meter, damaging your car on a curb and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.
Insurance for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for expenses for rehabilitation expenses, EMT expenses and nursing services. They are utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay
Comprehensive coverage (or Other than Collision) – Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims such as falling objects, fire damage, hail damage, damage from getting keyed and hitting a bird. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
When getting auto insurance quotes online, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many cases where someone sacrificed comprehensive coverage or liability limits only to discover later that it was a big error on their part. Your objective should be to get the best coverage possible at the best price, but do not skimp to save money.
In this article, we presented many tips how you can save on 2016 Volkswagen Tiguan insurance. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. Consumers could even find that the most savings is with a smaller regional carrier. These companies can often insure niche markets at a lower cost than their larger competitors like Progressive and Geico.
Low-cost 2016 Volkswagen Tiguan insurance can be found on the web in addition to local insurance agencies, so you should be comparing quotes from both to have the best rate selection. Some auto insurance companies do not provide online quoting and these small insurance companies only sell through independent agents.
More tips and info about auto insurance is available in the articles below:
If you’re a decent driver and are close to Cranston, Rhode Island, check out GEICO. You might save some money. I’m a pretty low risk driver. I recommend comparing lots of rates.
Affordable car insurance is a myth. I live just outside Norfolk, Virginia. Went online for free insurance quotes for a 2016 Volkswagen Tiguan. Ended up at about $430 savings annually. Went with State Farm. They have free quotes online.
Will 21st Century do a SR22 in Las Vegas, NV?
Proud to be from Montgomery, AL. Checked online prices for a 2016 Volkswagen Tiguan. Ended up at about $250 savings annually. Went with GEICO. Got better coverage too.
I compared a lot of rate quotes for a 2016 Volkswagen Tiguan in Aurora, IL. Ended up at roughly $410 every six months with Auto-Owners. Left Hartford to switch. Even increased my liability limits.
I found affordable 2016 Volkswagen Tiguan insurance from GEICO in Phoenix, Arizona.
I’m in San Diego, CA, and Progressive rates were affordable. Was with GMAC. Bought it from an online quote.
I compared a lot of rate quotes for a 2016 Volkswagen Tiguan in Burlington, Vermont. Ended up at darn near $160 every six months with Auto-Owners. Was with Progressive.
Thanks for putting this site together. I live north of Virginia Beach, VA. Quoted with State Farm, Amica, and Esurance for my Tiguan and saved $521 a year.
IT’S ALL TOO EXPENSIVE! Live in the western part of Grand Forks, ND. Quoted prices online for a 2016 Volkswagen Tiguan. Ended up at about $150 savings annually. Went with Progressive.
I live in Tucson, AZ. Quoted a bunch of companies. Saved about $20 a month. State Farm was the best choice for me. I even had a DUI years ago.
Checking in from Little Rock, AR. Quoted prices from 21st Century, Amica, Erie, and Hanover for my Tiguan and I think I am saving around $40 each month. Thankfully I’m not a high risk driver. I recommend comparing lots of rates.