2020 Volkswagen Tiguan Car Insurance Quotes in 2024 – 7 Tips for Best Rates

Looking for cheaper insurance rates for your Volkswagen Tiguan? No one in their right mind likes paying for insurance, particularly when they could find better prices if they shop around.

Companies like State Farm, Allstate, GEICO and Progressive continually bombard you with ad campaigns and consumers find it hard to separate fact from fiction and do the work needed to find the best deal.

You need to get comparison quotes occasionally because insurance rates change quite often. Even if you think you had the best premium rates on Tiguan insurance a few years ago you can probably find a better price now. Block out anything you think you know about insurance because I’m going to let you in on the secrets to the fastest and easiest way to eliminate unnecessary coverages and save money.

The fastest way that we advise to get policy rate comparisons is to know most insurance companies provide online access to quote your coverage. The only thing you need to do is spend a couple of minutes providing details like the year, make and model of vehicles, marital status, the ages of drivers, and if you have an active license. Your insurance information gets sent immediately to insurance carriers in your area and you get price estimates with very little delay.

To start a rate quote now, click here and find out if you can get cheaper insurance.

Discounts can really help lower rates

Insurance can cost an arm and a leg, but there may be some discounts that many consumers don’t even know exist. Some discounts will apply when you quote, but occasionally some discounts must be asked about before you will receive the discount.

• Discounts for New Vehicles – Buying a new car instead of a used car can be considerably cheaper because newer models have to meet stringent safety requirements.
• Driver Training Discounts – Taking time to complete a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
• Discounts for Multiple Vehicles – Purchasing coverage when you have all your vehicles on one policy can reduce rates for all insured vehicles.
• Payment Method – If you can afford to pay the entire bill rather than spreading payments over time you can avoid the installment charge.
• Multiple Policy Discount – If you insure your home and vehicles and insure them with the same company you could get a discount of at least 10% off all policies.
• Anti-theft Discount – Cars and trucks with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
• Driving Data Discount – People who choose to allow their company to look at driving patterns through the use of a telematics system such as State Farm’s In-Drive might see lower rates if they show good driving skills.

Discounts save money, but please remember that some credits don’t apply to the entire cost. Most only apply to the cost of specific coverages such as liability, collision or medical payments. Despite the appearance that all the discounts add up to a free policy, you’re out of luck.

Companies and their offered discounts are included below.

• State Farm may have discounts that include anti-theft, good student, Drive Safe & Save, accident-free, safe vehicle, multiple policy, and defensive driving training.
• Progressive policyholders can earn discounts including multi-vehicle, online quote discount, continuous coverage, homeowner, multi-policy, and online signing.
• Progressive includes discounts for online signing, multi-policy, good student, continuous coverage, and online quote discount.
• MetLife discounts include defensive driver, accident-free, multi-policy, good student, and good driver.
• Farm Bureau has discounts for youthful driver, good student, driver training, 55 and retired, multi-policy, and safe driver.
• GEICO offers premium reductions for driver training, good student, membership and employees, multi-policy, and anti-lock brakes.
• SAFECO offers discounts including anti-theft, teen safety rewards, homeowner, teen safe driver, and bundle discounts.

If you want the cheapest insurance coverage quotes, ask every prospective company which credits you are entitled to. Savings may not apply to policies everywhere.

Will just any policy work for me?

When choosing coverage, there isn’t really a single plan that fits everyone. Every insured’s situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight whether your personal situation might need an agent’s assistance.

• Do I have coverage when using my vehicle for my home business?
• Should I file a claim if it’s only slightly more than my deductible?
• Which is better, split liability limits or combined limits?
• Does insurance cover damages from a DUI accident?
• Am I getting all the discounts available?
• How can I get my company to pay me more for my totalled car?
• Exactly who is provided coverage by my policy?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete your zip code.

Insurance policy coverages for a Volkswagen Tiguan

Having a good grasp of a insurance policy can be of help when determining the right coverages for your vehicles. Insurance terms can be difficult to understand and reading a policy is terribly boring. Below you’ll find the normal coverages found on most insurance policies.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Volkswagen Tiguan.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Frequently these limits are set the same as your liability limits.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for prosthetic devices, ambulance fees and rehabilitation expenses. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Liability

This coverage will cover injuries or damage you cause to a person or their property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000. Alternatively, you may have one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability insurance covers things such as pain and suffering, attorney fees, repair bills for other people’s vehicles, emergency aid and legal defense fees. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive insurance

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like falling objects, vandalism, damage from getting keyed, rock chips in glass and hitting a deer. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision insurance covers damage to your Tiguan caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like hitting a mailbox, crashing into a ditch, hitting a parking meter, sideswiping another vehicle and colliding with another moving vehicle. 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 in order to get cheaper collision rates.