How Much Does 2010 Volkswagen Tiguan Insurance Cost?

Finding low-cost insurance for a Volkswagen Tiguan could be a painful process, but you can use a few tricks to find lower rates. There is a better way to buy insurance and we’ll show you the absolute fastest way to compare rates for a new or used Volkswagen and get the best price possible from local insurance agents and online providers.

You should make it a habit to price shop coverage periodically because rates are constantly changing. Despite the fact that you may have had the best deal on Tiguan insurance a few years ago you can probably find a lower rate today. So forget all the misinformation about insurance because it’s time to teach you the easiest way to properly buy coverages and cut your premium.

Car Insurance Prices

Most companies like Allstate, Geico and Progressive allow you to get prices online. Getting online rates doesn’t take a lot of time as you simply enter your required coverages as requested by the quote form. When the form is submitted, their rating system will order your driving record and credit report and generates pricing information determined by many factors.

Online price quotes helps simplify price comparisons, but having to visit many different websites and type in the same information gets old quite quickly. But it’s very important to do this in order to find lower prices.

There is a better way!

The preferred way to lower your car insurance bill requires only one form that obtains quotes from more than one company. This type of form saves time, eliminates repetitive work, and makes online shopping much easier. Immediately after you send the form, your coverage is rated with multiple companies and you can pick your choice of the returned quotes. If you find a better price it’s easy to complete the application and purchase the new policy. The whole process takes just a few minutes to complete and can result in significant savings.

To find out what other companies charge, click here and begin entering your coverage information. If you have coverage now, it’s recommended you replicate coverages and limits just like they are on your policy. This guarantees you will have a fair comparison using the exact same coverages.

Drivers who switch save $389 a year? Really?

Drivers can’t ignore all the ads for car insurance savings from companies such as Allstate, Geico and Progressive. They all seem to make an identical promise of big savings after switching your policy.

How do they all say the same thing?

All companies can use profiling for the right customer that makes them money. An example of a preferred risk might be between the ages of 30 and 50, has no driving citations, and drives less than 10,000 miles a year. A customer who matches those parameters will qualify for the lowest rates and most likely will save quite a bit of money when switching.

Potential insureds who are not a match for the requirements must pay more money which leads to the driver buying from a lower-cost company. The ads state “people who switch” not “people who quote” save that much. That’s why companies can advertise the way they do. This illustrates why drivers must compare as many rates as you can. It’s impossible to know which insurance companies will fit your personal profile best.

Companies offer discounts so take them!

Auto insurance companies don’t necessarily list every discount in a way that’s easy to find, so the following is a list of some of the best known and also the lesser-known ways to save on insurance coverage. If you aren’t receiving every discount you qualify for, you are throwing money away.

  • Homeowners Discount – Simply owning a home can help you save on insurance coverage because maintaining a house shows financial diligence.
  • Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
  • Driver’s Ed – Require your teen driver to take driver’s ed class if offered at their school.
  • Theft Prevention System – Vehicles with anti-theft systems help deter theft and earn discounts up to 10%.
  • Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% less on Tiguan insurance than drivers with accidents.
  • Organization Discounts – Affiliation with a qualifying organization may earn a discount when buying insurance coverage on Tiguan insurance.
  • Early Switch Discount – Select companies give a discount for buying a policy prior to your current policy expiring. It’s a savings of about 10%.
  • Auto/Home Discount – When you combine your home and auto insurance with the same insurance company you may save up to 20% off your total premium.

It’s important to note that most credits do not apply to the entire cost. Most cut individual premiums such as liability, collision or medical payments. So when the math indicates you could get a free insurance coverage policy, insurance coverage companies aren’t that generous.

A partial list of companies who might offer some of the above discounts are:

It’s a good idea to ask every prospective company how you can save money. All car insurance discounts may not apply in your state.

Do I just need basic coverages?

When it comes to choosing adequate coverage, there is no cookie cutter policy. Everyone’s needs are different.

For instance, these questions can aid in determining if your insurance needs might need an agent’s assistance.

  • Is a new car covered when I drive it off the dealer lot?
  • Is my 2010 Volkswagen Tiguan covered for flood damage?
  • Are my friends covered when driving my car?
  • Do I need special endorsements for business use of my vehicle?
  • What is the rate difference between pleasure use and commuting?
  • Does medical payments coverage apply to all occupants?
  • Can my teen drive my company car?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and can help protect your family.

Coverage specifics

Learning about specific coverages of insurance aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Liability car insurance

This coverage provides protection from damages or injuries you inflict on other people or property in an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things such as attorney fees, repair bills for other people’s vehicles, repair costs for stationary objects, legal defense fees and pain and suffering. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as theft, a tree branch falling on your vehicle, falling objects and vandalism. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision protection

This pays for damage to your Tiguan from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like crashing into a building, crashing into a ditch, sideswiping another vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Medical payments and PIP coverage

Med pay and PIP coverage pay for bills for X-ray expenses, surgery and hospital visits. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Volkswagen Tiguan.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Smart shoppers get results

Drivers change insurance companies for a number of reasons such as delays in responding to claim requests, high rates after DUI convictions, questionable increases in premium or even not issuing a premium refund. It doesn’t matter what your reason, finding a great new company can be easy and end up saving you some money.

Affordable 2010 Volkswagen Tiguan insurance is available from both online companies in addition to many insurance agents, and you should be comparing both to have the best selection. There are still a few companies who do not provide the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

As you shop your coverage around, it’s a bad idea to sacrifice coverage to reduce premiums. In too many instances, drivers have reduced liability limits or collision coverage to discover at claim time that the savings was not a smart move. Your aim should be to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

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