How To Guide to Finding Car Insurance for a Volkswagen Tiguan

Having to pay for overpriced car insurance can empty your checking account and force you to make sacrifices. Comparing price quotes is free and is an excellent way to cut your insurance bill. Many auto insurance companies compete for your hard-earned dollar, and it can be difficult to compare rates to find the absolute best rate

If you have a current car insurance policy or are looking for a new policy, you can use these techniques to find the best rates while maximizing coverage. Finding affordable coverage is not that difficult. Drivers just need to learn the most effective way to find the lowest price online.

Volkswagen Tiguan rates are complex

Smart consumers have a good feel for the factors that come into play when calculating the price you pay for car insurance. Having a good understanding of what determines base rates empowers consumers to make smart changes that may reward you with lower car insurance prices.

The list below includes some of the items used by your company to calculate rates.

• Where you live is a factor – Living in less populated areas is a positive aspect when talking about car insurance. Fewer drivers means fewer accidents and a lower car theft rate. Urban drivers have more traffic problems and a longer drive to work. More time commuting means higher likelihood of an accident.
• Don’t let your coverage lapse – Driving your car without having proper coverage is against the law and as a result your rates will increase for letting your insurance expire. And not only will your rates increase, getting caught without coverage might get you a license revocation or jail time.
• Lower deductibles cost more – The deductibles define the amount you are willing to pay before a claim is paid by your company. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Some examples of claims that would be covered are running into the backend of another car, collision with an animal, and windstorm damage. The more expense the insured has to pay upfront, the less your company will charge you for insurance for Tiguan coverage.
• Theft deterrents lower rates – Owning a car that has an advanced theft prevention system can save you a little every year. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent your car from being stolen.
• High performance equals high price – The performance of the vehicle you drive makes a significant difference in the rate you pay. The lowest base rates are generally reserved for lower performance four cylinder passenger models, but the final cost of insurance is determined by many other factors. Because the Volkswagen Tiguan is considered a crossover, rates will be slightly more than the average rate where you live.
• Credit scores impact car insurance rates – Having a bad credit history is a important factor in calculating your car insurance rates. If your credit history is not that good, you could save money insuring your Volkswagen Tiguan by improving your rating. Consumers who have high credit scores tend to be less risk to insure as compared to drivers with lower credit scores.
• Discounts for married couples – Having a spouse actually saves money on your car insurance policy. Having a spouse means you’re more responsible it has been statistically shown that married drivers get in fewer accidents.

Verify you’re getting all your discounts

The cost of insuring your cars can be expensive, but there could be available discounts to cut the cost considerably. A few discounts will automatically apply when you get a quote, but some may not be applied and must be specifically requested before being credited. If you’re not getting every credit you deserve, you’re just leaving money on the table.

• Save with a New Car – Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.
• Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% for Tiguan coverage with certain companies.
• Lower Rates for Military – Being on active duty in the military may qualify for rate reductions.
• Discounts for Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates for Tiguan coverage than their less cautious counterparts.
• Bundle and Save – If you insure your home and vehicles with one company you may save up to 20% off your total premium.
• One Accident Forgiven – A handful of insurance companies permit an accident without raising rates as long as you don’t have any claims prior to the accident.
• Save over 55 – If you’re over the age of 55, you may receive a discount up to 10% for Tiguan coverage.
• Discount for Swiching Early – Select companies give a discount for switching policies before your current expiration date. The savings is around 10%.
• No Claims – Good drivers with no accidents can earn big discounts when compared to drivers who are more careless.

Consumers should know that most discounts do not apply to all coverage premiums. Most cut specific coverage prices like comp or med pay. So even though they make it sound like adding up those discounts means a free policy, car insurance companies aren’t that generous. Any qualifying discounts will cut your premiums.

To see a list of insurance companies who offer car insurance discounts, click here.

Shop smart and save

As you shop your coverage around, you should never buy lower coverage limits just to save a few bucks. There are too many instances where an insured cut comprehensive coverage or liability limits and learned later they didn’t have enough coverage. Your strategy should be to find the BEST coverage for the lowest price, not the least amount of coverage.

You just read a lot of ways to lower your Volkswagen Tiguan insurance rates. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding lower rates. You may even find the best prices are with some of the smallest insurance companies. Smaller companies can often provide lower rates in certain areas compared to the large companies like Allstate, GEICO and Progressive.

Cheaper Volkswagen Tiguan insurance can be found both online in addition to many insurance agents, and you need to price shop both so you have a total pricing picture. Some insurance companies do not provide online quoting and these small, regional companies work with independent agents.