Cheap Rate Quotes for Volkswagen Tiguan Insurance in San Diego

Volkswagen Tiguan insurance image courtesy of QuoteInspector.com

How long has it been since you sat down and looked for low-cost Volkswagen Tiguan insurance in San Diego? There isn't anyone who likes paying for auto insurance, especially when the price is too high.

Surprisingly, a recent survey revealed that nearly 70% of customers have stayed with the same insurance company for at least the last four years, and nearly the majority have never even compared rates from other companies. California insurance shoppers could save about $469 a year, but they underestimate the big savings they would realize if they swap their current policy for a cheaper one. People have multiple auto insurance companies to insure vehicles with, and though it is a good thing to have a selection, it makes it harder to adequately compare rates for Volkswagen Tiguan insurance in San Diego.

Consumers need to compare prices occasionally due to the fact that insurance prices change frequently. Just because you found the best price on Volkswagen Tiguan insurance in San Diego last year the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about auto insurance because you're going to learn one of the easiest ways to save on auto insurance.

Get affordable Volkswagen Tiguan insurance in San Diego with discounts

Car insurance is not an enjoyable expense, but there are discounts available that could help you make your next renewal payment. Many of these discounts will be applied automatically when you complete an application, but some discounts are required to be requested specifically before they will apply.

• Life Insurance - Not every insurance company offers life insurance, but if they do you may earn a break if you buy some life insurance too.
• Passive Restraints - Options like air bags and/or automatic seat belt systems can receive discounts up to 30%.
• Seat Belt Discounts - Buckling up and requiring all passengers to buckle up can save a little on medical payment and PIP coverage.
• Government Employees - Active or retired federal employment can earn a discount up to 10% with some car insurance companies.
• Defensive Driver Discounts - Taking time to complete a course teaching driver safety skills can save you 5% or more depending on where you live.
• Responsible Driver Discount - Drivers without accidents may receive a discount up to 45% as compared to drivers with claims.
• Multi-Vehicle Discounts - Buying insurance for multiple vehicles on one policy can get a discount for every vehicle.
• Theft Deterrent - Cars, trucks, and SUVs equipped with anti-theft or alarm systems can help prevent theft and that can save you a little bit as well.
• Student Discount for Driver Training - Reduce the cost of insurance for teen drivers by having them participate in a local driver's education class in school.
• Active Military Service - Being deployed in the military could mean lower prices.

You should keep in mind that most of the big mark downs will not be given to the entire policy premium. Most only reduce the price of certain insurance coverages like medical payments or collision. So when the math indicates having all the discounts means you get insurance for free, you won't be that lucky.

To find companies who offer discounts in California, click here.

Cutting your San Diego car insurance rates is pretty simple and can save money. The only thing you need to do is spend a little time to compare rates to discover which company has inexpensive San Diego auto insurance quotes.

It's so simple to compare car insurance rates online makes it obsolete to drive to different San Diego agent offices. The internet eliminates the middleman unless you want the professional advice of a local agency. It is possible to price shop online but still have the advice of a local agent.

The following companies can provide price comparisons in California. If the list has multiple companies, we suggest you visit two to three different companies to get the most competitive price.

Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Rate information does not factor in the specific area where the vehicle is garaged which can change coverage rates greatly.

Rate increases following a ticket or accident

The example below highlights how traffic violations and at-fault claims can affect Volkswagen Tiguan insurance premiums for different age groups. The prices are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.

Where to set your deductibles

One of the hardest decisions when shopping for auto insurance is how high should the deductibles for physical damage be. The figures shown below summarize the costs and benefits when you select higher and lower coverage deductibles. The first set of prices uses a $250 deductible and the second price table uses a $500 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Information does not factor in zip code location which can change prices greatly.

We can estimate from the data above that using a $250 deductible would cost the average driver about $18 more each month or $216 every year than buying the higher $500 deductible. Because you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you have more than 14 months between claim filings, you would probably come out ahead going with the higher deductible.

Insurance Cost Influencing Factors

Lots of things are part of the equation when premium rates are determined. Some are obvious such as your driving history, although some other factors are more transparent such as your credit history or how financially stable you are.

Too many car insurance claims drive up rates - If you file claims often, you can expect either higher rates or even cancellation. Companies in California provide cheaper rates to insureds who are claim-free. Auto insurance is designed for the bigger claims that can't be paid out-of-pocket.

Lower rates by increasing comp and collision deductibles - Comp and collision deductibles are the amount of money the insured will be required to pay if a covered claim is submitted. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Examples of some claims that would be covered are rearending another vehicle, damage from fire, and damage caused by road hazards. The more money the insured is willing to pay, the better rate you will receive.

Married drivers get cheaper premiums - Your spouse can actually save you money on your car insurance bill. It usually means you are more stable financially and it's statistically proven that being married results in fewer claims.

Drive a safer car and pay less - Cars with high safety ratings tend to have lower insurance rates. Highly rated vehicles have better occupant injury protection and better occupant protection translates into savings for insurance companies and more competitive rates for policyholders.

Deter vehicle theft - Driving a car with an alarm system can help lower your rates. Anti-theft devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can thwart your vehicle from being stolen.

Better prices for no policy lapses - Having a lapse in insurance coverage is a guaranteed way to trigger a rate increase. Not only will rates go up, failure to provide proof of insurance could result in a license revocation or jail time.

Pay more for higher performance vehicles - The performance level of the car you are buying insurance for makes a significant difference in how high your rates are. Due to the fact that the Volkswagen Tiguan falls in the crossover class, insurance will be slightly more compared to average rates in San Diego. Smaller low performance passenger models generally receive the lowest base rates, but that's not the only thing that factors into the final price.

See if your company offers a multi-policy discount - The majority of car insurance companies apply a discount to insureds who carry more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, you may still want to comparison shop to ensure the best deal. Consumers may find a better deal even if you insure with multiple companies

Volkswagen Tiguan claim probability - Insurance companies use claims history to calculate a price that will offset losses. Vehicles that the data shows to have a trend towards higher claims will have a higher premium rate. The next table illustrates the insurance loss data used by companies for Volkswagen Tiguan vehicles.

For each type of coverage, the claim probability for all vehicles, as an average, is a value of 100. Values that are under 100 indicate better than average losses, while values that are above 100 indicate more frequent claims or a tendency for losses to be larger than average.

Exclusive versus independent car insurance agents

Some people still prefer to sit down with an agent and that can be a smart move Good insurance agents will help you protect your assets and help you file claims. The best thing about comparing rates online is that you can find cheaper auto insurance rates and also buy local.

By using this simple form, the quote information gets sent to companies in San Diego that can provide free San Diego auto insurance quotes to get your business. You never need to contact an agency due to the fact that quote results will go immediately to you. If for some reason you want to compare rates from a particular provider, you just need to find their quoting web page and submit a quote form there.

Finding the right company requires you to look at more than just a low price. These are some questions your agent should answer.

• Can glass repairs be made at your home?
• What is the financial rating for the quoted company?
• Do they specialize in personal lines coverage in San Diego?
• Where are claims handled?
• What company holds the largest book of business for them?

San Diego auto insurance agents are either independent or exclusive

If you are wanting to purchase car insurance from a reliable insurance agency, it's helpful to know the different agency structures and how they are slightly different. Car insurance agents can be described as either independent agents or exclusive agents depending on their employer. Both types of agents can insure your vehicles, but we need to point out the difference in how they write coverage because it can factor into the selection process.

Exclusive Insurance Agents

These agents normally can only provide a single company's rates and some examples include State Farm or Allstate. These agents are not able to provide prices from multiple companies so it's a take it or leave it situation. These agents are usually quite knowledgeable on their company's products and that allows them to sell at a higher price point.

The following are exclusive agents in San Diego who can help you get rate quotes.

View more San Diego agents

Independent Agencies or Brokers

Agents of this type do not write with just one company so they have the ability to put coverage with many different companies and possibly get better coverage at lower prices. If prices rise, your policy is moved internally and that require little work on your part.

When comparing rates, you absolutely need to include independent agents for the best price selection.

Shown below is a list of independent insurance agencies in San Diego who can help you get comparison quotes.

View more San Diego agents

If you get positive responses to any questions you have and cheap Tiguan insurance quotes, chances are good that you have found a car insurance agent that meets the requirements to provide car insurance coverage. Keep in mind you can always cancel your coverage when you choose so don't feel that you are permanently stuck with the car insurance policy for any length of time.

Why you need insurance for your vehicle

Despite the fact that car insurance is not cheap in San Diego, car insurance may be required and benefits you in several ways.

• Almost all states have mandatory liability insurance requirements which means you are required to carry a specific level of liability in order to drive the car. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If you took out a loan on your Volkswagen, most lenders will require you to have insurance to guarantee loan repayment. If you do not keep the policy in force, the lender may have to buy a policy to insure your Volkswagen at a more expensive rate and require you to pay the higher price.
• Insurance protects both your vehicle and your assets. It also can pay for hospital and medical expenses for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, will also pay to defend you if someone files suit against you as the result of an accident. If mother nature or an accident damages your car, your policy will pay to repair the damage.

The benefits of insuring your car more than cancel out the cost, particularly for liability claims. An average driver in America is currently overpaying as much as $810 a year so it's very important to do a rate comparison each time the policy renews to help ensure money is not being wasted.

Cheap auto insurance premiums are out there

You just learned a lot of tips how to find cheap Volkswagen Tiguan insurance in San Diego. The most important thing to understand is the more times you quote, the higher your chance of finding cheaper San Diego auto insurance quotes. Consumers could even find that the lowest rates come from a small local company. They can often provide lower car insurance rates in certain areas than the large multi-state companies such as Progressive and GEICO.

When buying insurance coverage, do not buy less coverage just to save a little money. There have been many situations where someone dropped liability coverage limits only to regret that the small savings ended up costing them much more. Your objective should be to buy the best coverage you can find at the best cost but still have enough coverage for asset protection.

Even more information is available at these sites:

• Smart Auto Insurance Tips (Insurance Information Institute)
• Who Has Cheap San Diego Auto Insurance for Business Use? (FAQ)
• Can I Drive Legally without Insurance? (Insurance Information Institute)
• Preventing Carjacking and Theft (Insurance Information Institute)