2011 Volkswagen Touareg Car Insurance Quotes

Did you fall for a flashy sales pitch and buy an underperforming, overpriced insurance policy? Believe me when I say there are many people just like you. Lots of insurance companies contend for your insurance dollar, and it can be difficult to compare rates and get the definite lowest cost out there.

It’s a great practice to do rate comparisons periodically because insurance rates go up and down regularly. Despite the fact that you may have had the lowest rates on Touareg coverage six months ago you will most likely find a better rate today. Forget all the misinformation about insurance because I’m going to let you in on the secrets to one of the easiest ways to buy cheaper insurance.

Policy discounts you shouldn’t miss

Companies that sell car insurance do not advertise every available discount very clearly, so we took the time to find both well-publicized as well as the least known savings tricks you should be using. If you’re not getting every credit available, you are paying more than you should be.

  • Discount for Life Insurance – Larger companies have a break if you buy life insurance.
  • Air Bag Discount – Vehicles equipped with air bags may earn rate discounts of up to 25% or more.
  • Military Discounts – Having a family member in the military can result in better rates.
  • Homeowners Discount – Owning a house may earn you a small savings due to the fact that maintaining a home shows financial diligence.
  • No Accidents – Drivers with accident-free driving histories can earn big discounts when compared with bad drivers.
  • Save with a New Car – Insuring a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • One Accident Forgiven – A handful of insurance companies will forgive one accident before raising your premiums if your claims history is clear prior to the accident.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like you could get a free insurance policy, you’re out of luck.

To see a list of insurers who offer insurance discounts, follow this link.

Elements that influence Volkswagen Touareg insurance rates

It’s important that you understand some of the elements that play a part in calculating the price you pay for car insurance. Understanding what influences your rates enables informed choices that may reward you with better car insurance rates.

Shown below are some of the factors car insurance companies consider when setting rates.

  • Pleasure use saves money – The higher the mileage driven every year the more you will pay for car insurance. Almost all companies charge to insure your cars determined by how the vehicle is used. Vehicles that are left in the garage qualify for better rates than those used for commuting. Improper usage on your Touareg may be wasting your money. Verify your car insurance declarations sheet shows the correct usage for each vehicle.
  • Battle of the sexes – The statistics show women are more cautious behind the wheel. Now that doesn’t mean women are BETTER drivers than men. Both sexes have accidents at a similar rate, but the male of the species tend to have more serious accidents. Men also tend to receive more costly citations like reckless driving and DUI.
  • A lapse in coverage is a bad thing – Allowing your car insurance policy to lapse is a sure-fire way to trigger a rate increase. And not only will insurance be more expensive, failure to provide proof of insurance will get you a license revocation or jail time.You may then be required to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • Bump up deductibles to save – Physical damage deductibles define the amount you are required to spend if you file a covered claim. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, insures against damage to your car. A few examples of covered claims could be running into the backend of another car, damage caused by hail, and burglary. The more expense you have to pay, the less your car insurance will be on Touareg coverage.
  • Drive a safer car and pay less – Vehicles with high crash test scores are cheaper to insure. These vehicles result in less severe injuries and lower injury rates translates into savings for insurance companies passed on to you as lower rates. If your Volkswagen has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • Multiple policies with one company can save – The majority of insurers will give a discount to people who have multiple policies with them such as combining an auto and homeowners policy. This can amount to five, ten or even twenty percent. Even with this discount, it’s in your best interest to compare other company rates to confirm you are receiving the best rates possible.
  • Extra coverages can waste money – There are many extra bells and whistles that you can buy on your Touareg policy. Coverages like roadside assistance, towing coverage and motor club memberships are some examples. These coverages may sound good when talking to your agent, but if you don’t need them get rid of them and save.

Insurance agents can help

When buying coverage for your personal vehicles, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions can help discover whether you could use an agent’s help.

  • Do I really need UM/UIM coverage?
  • Should I put collision coverage on all my vehicles?
  • Do I have coverage when using my vehicle for my home business?
  • Am I covered when using my vehicle for business?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Will I lose any money if I cancel my policy before it expires?
  • Are rental cars covered under my policy?
  • Should I sign the liability waiver when renting a car?
  • Should I buy full coverage?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Specifics of your car insurance policy

Knowing the specifics of your car insurance policy can be of help when determining the best coverages for your vehicles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages offered by car insurance companies.

Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like scraping a guard rail, driving through your garage door, crashing into a ditch, crashing into a building and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like damage from getting keyed, a broken windshield and damage from a tornado or hurricane. 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 removing comprehensive coverage.

Insurance for medical payments – Coverage for medical payments and/or PIP reimburse you for immediate expenses such as dental work, pain medications, rehabilitation expenses, funeral costs and prosthetic devices. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability – This coverage provides protection from damage or injury you incur to a person or their property that is your fault. It protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims like bail bonds, medical expenses, repair costs for stationary objects, loss of income and medical services. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Shop around and save

When buying insurance coverage, never skimp on coverage in order to save money. There are a lot of situations where an accident victim reduced physical damage coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy enough coverage at the best price while still protecting your assets.

In this article, we covered quite a bit of information on how to shop for 2011 Volkswagen Touareg insurance online. It’s most important to understand that the more price quotes you have, the better your chances of lowering your rates. Consumers could even find that the lowest rates come from some of the smallest insurance companies. Regional companies may cover specific market segments cheaper compared to the large companies like Progressive and GEICO.

Additional insurance coverage information is available on the following sites: