Compare 2016 Volkswagen Tiguan Insurance Rates in 2024

Trying to find lower car insurance rates for your Volkswagen Tiguan? Are you regretting the purchase of overpriced car insurance? You’re preaching to the choir because there are lots of residents who feel the same. Numerous auto insurance companies battle for your insurance dollar, so it can be very hard to choose a insurance company and get the best coverage at the lowest price

If you have a current insurance coverage policy or need new coverage, you can use this information to find better prices and still get good coverage. Finding affordable coverage is not rocket science. Drivers just need to learn the most effective way to get comparison rates online.

The quickest method to get rate comparisons is to take advantage of the fact almost all companies have advanced systems to provide you with a free rate quote. The only thing you need to do is give them some information like if the vehicle is leased, level of coverage desired, types of safety features, and how old drivers are. That rating information gets transmitted to multiple top-rated companies and they provide comparison quotes with very little delay.

Car insurance policy discounts

Car insurance can be pricey, but you might find some hidden discounts to cut the cost considerably. Many of these discounts will be applied automatically when you complete an application, but a few need to be asked about before you will receive the discount. If you do not double check each discount possible, you’re paying more than you need to.

• ABS Brakes – Cars, trucks, and SUVs with ABS braking systems or traction control can reduce accidents and the ABS can save up to 10%.
• Driver Education Discount – Require your teen driver to successfully complete driver’s ed class in school or through a local driver safety program.
• Seat Belts Save more than Lives – Drivers who require all vehicle occupants to fasten their seat belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
• Discounts for New Vehicles – Buying car insurance coverage on a new vehicle can save up to 30% since new model year vehicles have better safety ratings.
• Discounts for Cautious Drivers – Insureds without accidents may save up to 50% more on Tiguan coverage than drivers with accident claims.
• Military Discounts – Being deployed in the military could be rewarded with lower prices.

You can save money using discounts, but some of the credits will not apply to the overall cost of the policy. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So when it seems like adding up those discounts means a free policy, that’s just not realistic.

To view insurers that provide some of the discounts listed above, enter your zip code here.

Lower your insurance costs

Many factors are used in the calculation when premium rates are determined. Some are pretty understandable like a motor vehicle report, but others are less apparent such as whether you are married or your financial responsibility. One of the most helpful ways to save on insurance coverage is to to have a grasp of the different types of things that are used to determine your insurance coverage rates. When you understand what determines premiums, this empowers consumers to make smart changes that may reward you with lower insurance coverage prices.

• Cheaper rates by consolidating – Most companies afford lower prices to clients who buy several policies from them. It’s known as a multi-policy discount. If you currently are using one company, it’s still a good idea to compare other insurance prices to make sure you are getting the best deal.
• Liability insurance claims can be big – Your policy’s liability coverage kicks in when you are found liable for damages from an accident. Your liability coverage provides legal defense coverage starting from day one. This coverage is relatively inexpensive compared to other policy coverages, so drivers should carry high limits.
• Poor credit can mean higher prices – Your credit rating can be an important factor in determining premium rates. People that have very good credit scores tend to file fewer claims and have better driving records than those with lower credit scores. So if your credit history can use some improvement, you could save money insuring your 2016 Volkswagen Tiguan by improving your credit score.
• Rates can be impacted by your occupation – Did you know your career choice can influence rates? Jobs like military personnel, social workers and dentists usually pay the highest average rates attributed to intense work situations and lots of time spent away from family. Conversely, careers like farmers, students and the unemployed get better rates on Tiguan coverage.
• Rates increase with driving citations – Drivers with clean records get better prices than their less careful counterparts. Even a single moving violation could increase your next policy renewal by as much as thirty percent. People who have dangerous citations such as DUI, reckless driving or excessive speeding may find that they have to to complete a SR-22 with their state in order to legally drive a vehicle.
• Single drivers take more risk – Your spouse can get you a discount on your policy. Having a spouse generally demonstrates drivers are more financially stable and it’s proven that married drivers get in fewer accidents.
• Rate your vehicle for proper use – The more you drive your Volkswagen annually the more you will pay for insurance coverage. Almost all companies calculate rates based on how the vehicle is used. Cars and trucks left parked in the garage can be on a lower rate level compared to those used for work or business. It’s always a good idea to double check that your insurance coverage policy is showing the correct usage for each vehicle, because improper ratings can cost you money. Improper usage on your Tiguan is throwing money out the window.
• What’s your car’s crash test rating? – Cars with high safety ratings cost less to insure. These vehicles reduce the chance of injuries and lower injury rates means less claims paid and more competitive rates for policyholders. If your Volkswagen Tiguan has at least four stars on Safercar.gov you are probably receiving a discount.

How do I know if I need professional advice?

When choosing coverage for your vehicles, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions might point out if your situation will benefit from professional help.

• How much can I save by bundling my policies?
• Is my dog or cat covered if injured in an accident?
• How high should my medical payments coverage be?
• Am I covered when driving someone else’s vehicle?
• Am I covered when using my vehicle for business?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• What is no-fault insurance?

If you don’t know the answers to these questions, you may need to chat with an agent. To find lower rates from a local agent, complete your zip code. It is quick, free and you can get the answers you need.

Don’t believe everything you hear

Consumers get pounded daily by advertisements for the lowest price insurance coverage by Allstate, GEICO and Progressive. All the ads try to convey promises that people will save just by moving to their company.

How does every company offer drivers better rates?

Insurance coverage companies quote the lowest rates for the driver that will most likely be profitable. A good example of a profitable insured may be over the age of 45, has had continuous coverage, and drives less than 10,000 miles a year. A driver who matches that profile will most likely get cheap rates and most likely will save some money.

Consumers who don’t meet those standards will be charged higher prices which usually ends up with the prospect going elsewhere. The ad wording is “customers who switch” not “everyone that quotes” save money. This is how insurance companies can confidently make those claims.

This really illustrates why drivers must get insurance quotes as often as possible. It’s just too difficult to predict which insurance coverage company will be your best fit.

Car insurance coverages for a 2016 Volkswagen Tiguan

Learning about specific coverages of a insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be confusing and reading a policy is terribly boring. Below you’ll find the usual coverages found on the average insurance policy.

Coverage for liability – This will cover injuries or damage you cause to a person or their property. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Another option is one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims like repair costs for stationary objects, repair bills for other people’s vehicles, structural damage and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these limits are set the same as your liability limits.

Medical costs insurance – Coverage for medical payments and/or PIP pay for expenses for X-ray expenses, doctor visits, EMT expenses and dental work. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Collision coverages – This 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 coverage pays for claims such as rolling your car, crashing into a ditch and crashing into a building. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision – This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like damage from a tornado or hurricane, hail damage and hitting a bird. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Get your money’s worth

When searching for the cheapest insurance quotes, make sure you don’t skimp on coverage in order to save money. There are too many instances where someone sacrificed liability coverage limits and discovered at claim time that it was a big error on their part. Your focus should be to find the BEST coverage at the best cost, but do not sacrifice coverage to save money.

Cheaper insurance coverage is available from both online companies as well as from insurance agents, so get free insurance quotes from both of them in order to have the best chance of saving money. Some companies may not offer rates over the internet and these regional carriers provide coverage only through independent insurance agents.

You just read a lot of tips how to compare 2016 Volkswagen Tiguan insurance rates online. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. You may be surprised to find that the biggest savings come from a smaller regional carrier. Smaller companies may only write in your state and offer lower car insurance rates than their larger competitors like Progressive and GEICO.