Volkswagen Tiguan Insurance Rates in Phoenix

Finding cheaper insurance for your Volkswagen Tiguan in Arizona can turn out to be an all-consuming task, but you can follow our auto insurance buying tips and make it easy. There is a right way and a wrong way to shop for auto insurance and we’ll show you the absolute fastest way to quote coverages for your Volkswagen and find the cheapest rates.

It’s a great practice to take a look at other company’s rates occasionally because auto insurance prices tend to go up over time. Despite the fact that you may have had the lowest rates on Volkswagen Tiguan insurance in Phoenix on your last policy other companies may now be cheaper. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to the only way to find better coverage on Volkswagen Tiguan insurance in Phoenix at a better price.

Cutting your Phoenix insurance rates is a fairly straight forward process. All that’s required is to spend a few minutes to compare rate quotes from different insurance companies.

The companies in the list below are ready to provide comparison quotes in Arizona. If multiple companies are listed, it’s a good idea that you get prices from several of them in order to find the most affordable rates.

Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Rate information does not factor in specific location information which can revise auto insurance rates considerably.

Full coverage or liability only

The diagram below illustrates the comparison of Volkswagen Tiguan auto insurance rates when comparing full coverage to state minimum liability only. The data is based on a clean driving record, no at-fault accidents, $100 deductibles, married male driver, and no policy discounts are applied.

Should you be buying full coverage?

There is no exact rule for phasing out physical damage coverage on your policy, but there is a broad guideline. If the annual cost of coverage is more than 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

For example, let’s say your Volkswagen Tiguan replacement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $3,000 after the deductible is paid. If you are paying more than $300 annually for full coverage, the it may be a good time to stop paying for full coverage.

There are some circumstances where dropping physical damage coverage is not a good idea. If you haven’t paid off your loan, you must maintain physical damage coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should maintain full coverage.

Auto insurance deductibles

When comparing auto insurance rates, the most common question is how high or low should comp and collision deductibles be. The following tables highlight the rate difference when you choose different physical damage deductibles. The first set of prices uses a $100 comprehensive and collision deductible and the second rate table uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Prices do not factor in vehicle location which can alter coverage prices greatly.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost in the ballpark of $32 more each month or $384 a year than opting for the higher $1,000 deductible. Because you would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you go at a minimum 28 months between claims, you would more than likely save some money if you choose a higher deductible. Here is the way we made this calculation.

One important note is that higher deductibles means you will have to pay more when you have a comprehensive or collision claim. You will want to have enough money stashed away in the event you have to pay the higher deductible in order to repair your vehicle.

Insurance in Arizona serves several purposes

Even though it can be expensive, paying for insurance may not be optional for several reasons.

• Just about all states have mandatory insurance requirements which means state laws require a specific minimum amount of liability in order to be legal. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you took out a loan on your Volkswagen, more than likely the lender will make it a condition of the loan that you buy insurance to protect their interest in the vehicle. If you default on your policy, the lender may have to buy a policy to insure your Volkswagen at a significantly higher premium and force you to pay a much higher amount than you were paying before.
• Insurance preserves both your vehicle and your personal assets. It will also pay for medical expenses for yourself as well as anyone injured by you. Liability insurance also pays for attorney fees and expenses in the event you are sued. If you have damage to your Volkswagen as the result of the weather or an accident, comprehensive and/or collision insurance will pay to have it repaired.

The benefits of having insurance definitely exceed the cost, especially when you need to use it. But the average American driver is currently overpaying as much as $700 annually so you should quote and compare rates at every policy renewal to ensure rates are inline.

Seven Things That Affect Your Insurance Costs

Lots of factors are taken into consideration when you quote your car insurance policy. Most are fairly basic like a motor vehicle report, but other criteria are not quite as obvious like your vehicle usage and annual miles driven. It’s important that you understand the rating factors that go into determining your policy premiums. If you have some idea of what controls the rates you pay, this enables informed choices that will entitle you to better car insurance rates.

Claims cost money – If you are the type of insured that files lots of claims you can definitely plan on higher rates. Auto insurance companies in Arizona generally give the best rates to insureds who are claim-free. Auto insurance is intended for claims that pose a financial burden.

Cars with good safety ratings cost less to insure – Vehicles that have high safety ratings tend to have better insurance rates. Safer cars protect occupants better and lower rates of occupant injuries means your insurance company pays less and more competitive rates for policyholders.

Expect high rates for teens – Beginning drivers in Arizona are statistically proven to be careless and easily distracted when at the wheel of a vehicle and because of this, their car insurance rates are much higher. If you’ve ever had to add a teen driver to your policy can be very expensive. Mature drivers are shown to be more cautious, tend to file fewer claims, and get fewer tickets.

Policy lapses lead to higher prices – Driving any period of time without insurance is a big no-no and companies may charge more for letting your coverage lapse. In addition to paying higher rates, not being able to provide proof of insurance can result in a revoked license or a big fine.

Bundle home and auto and save – The majority of insurance companies afford discounts to people who have multiple policies with them such as combining an auto and homeowners policy. Discounts can add up to ten or even fifteen percent. Even if you already get this discount, it’s always a smart idea to shop around to help ensure you have the lowest rates. Consumers may find lower rates by buying car insurance from a different company.

Miles impacts costs – The more you drive your Volkswagen each year the higher your rates will be. Many insurance companies calculate prices based on their usage. Vehicles that have low annual miles receive better premium rates than cars that get driven a lot. Make sure your declarations sheet reflects the correct usage. An incorrectly rated Tiguan may be costing you.

Insurance rates in urban areas – Living in less populated areas of the country is a good thing when shopping for auto insurance. Fewer drivers and short commutes translates into fewer accidents and a lower car theft rate. People who live in big cities regularly have more road rage incidents and higher rates of accident claims. More time behind the wheel translates into higher accident risk.

Volkswagen Tiguan claim probability – Car insurance companies study historical loss data to help set a rate to offset losses. Models that the data shows to have higher claim frequency or loss amount will have a higher cost to insure. The information below illustrates the loss history for Volkswagen Tiguan vehicles.

For each coverage category, the claim probability for all vehicles compiled together is considered to be 100. Numbers under 100 indicate a favorable loss history, while percentage values above 100 point to more claims or an increased likelihood of larger losses.

Phoenix auto insurance discounts

Car insurance companies don’t always list every discount very well, so the list below gives a summary of some of the best known as well as the least known credits available to lower your premiums when you buy Phoenix car insurance online.

• One Accident Forgiven – This one is not really a discount per se, but companies like State Farm, Progressive and GEICO permit an accident without the usual rate increase as long as you don’t have any claims prior to being involved in the accident.
• Discount for Multiple Policies – When you have multiple policies and insure them with the same company you could save at least 10% off all policies.
• E-sign Discounts – A handful of companies will give a small break for buying your policy on your computer.
• Air Bags and Passive Restraints – Vehicles equipped with air bags or automatic seat belts can receive discounts of up to 25% or more.
• Club Memberships – Affiliation with a civic or occupational organization in Phoenix could earn you a nice discount on your policy.
• Pay Early and Save – If you pay your entire premium ahead of time rather than paying in monthly installments you may reduce your total bill.
• Homeowners Savings – Just owning your own home can earn you a little savings because maintaining a house requires personal responsibility.
• Discount for Low Mileage – Fewer annual miles on your Volkswagen can earn better auto insurance rates on cars that stay parked.

Drivers should understand that most discounts do not apply to the entire cost. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Even though the math looks like all the discounts add up to a free policy, companies wouldn’t make money that way.

To find companies with discount rates in Arizona, click here.

You are unique and your insurance should be too

When it comes to choosing insurance from an agent or online for your vehicles, there isn’t really a perfect coverage plan. Everyone’s needs are different.

For instance, these questions may help you determine if your insurance needs will benefit from professional help.

• How can I find cheaper teen driver insurance?
• What is an umbrella policy?
• Is my teenager covered with friends in the car?
• What is the ISO rating for a Volkswagen Tiguan?
• What are the liability requirements in my state?
• Is my nanny covered when transporting my kids?
• Does rental coverage apply when I am renting a car?
• Do I need PIP (personal injury protection) coverage in Arizona?

If you don’t know the answers to these questions, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and can provide invaluable advice.

Exclusive and independent auto insurance agents

Some people still like to buy from a licensed agent and that is OK! Most agents are trained to spot inefficiencies and will help you if you have claims. A good thing about comparing rate quotes online is you can get cheap auto insurance rates but still work with a licensed agent.

Once you complete this simple form, your insurance coverage information gets sent to insurance agents in Phoenix that can provide free Phoenix car insurance quotes for your coverage. You won’t need to find an agent on your own because quoted prices will be sent to you. If you have a need to compare rates from a specific insurance company, just go to their quote page to submit a rate quote request.

Finding the right insurance company is decision based upon more than just the premium amount. These are valid questions to ask:

• How much training do they have in personal risk management?
• Has the agent ever had any license suspensions?
• Do clients work directly with the agent or are most inquiries handled by a CSR?
• What kind of financial rating does the company have?
• Is insurance their full-time profession?
• Is the agency active in community causes in Phoenix?
• Does the agent have professional designations like CIC, CPCU or AIC?
• Is assistance available after office hours?

If you need to find a reputable insurance agent or broker, you should know the different agency structures and how they differ in how they can insure your vehicles. Auto insurance agents are either exclusive or independent (non-exclusive). Either can write policy coverage, but it is a good idea to know the difference in how they write coverage since it may influence the kind of agent you use.

Exclusive Agencies

Agents that choose to be exclusive can only place business with one company such as State Farm, Allstate and AAA. Exclusive agents are unable to provide rate quotes from other companies so always compare other rates. Exclusive agencies are well trained on the products they sell and that allows them to sell at a higher price point. Some people will only use the same agent mostly because of loyalty to the company and strong financial ratings.

Shown below is a short list of exclusive insurance agents in Phoenix who may provide you with comparison quotes.

• John Abercrombie III – State Farm Insurance Agent
  7207 N 7th St – Phoenix, AZ 85020 – (602) 906-0299 – View Map
• Susan Cox – State Farm Insurance Agent
  2715 W Northern Ave #110 – Phoenix, AZ 85051 – (602) 995-2821 – View Map
• Lupita Fernandez – State Farm Insurance Agent
  2610 W Baseline Rd Ste 116 – Phoenix, AZ 85041 – (602) 633-2088 – View Map

View more Phoenix agents

Independent Agents

Independent agents are not restricted to one company and that enables them to quote your coverage with an assortment of companies and possibly get better coverage at lower prices. To move your coverage to a new company, they simply move your policy to a different company and the insured can keep the same agent. When comparison shopping, you will want to get some free quotes from a few independent agents to get the most accurate price comparison. They also have the ability to place coverage with additional companies that you may not be familiar with which may provide better rates.

Listed below is a short list of independent agencies in Phoenix who can help you get price quotes.

• Rodriguez Insurance
  5720 N 27th Ave – Phoenix, AZ 85017 – (602) 242-5303 – View Map
• Fasula Kaplan Insurance Agency
  11022 N 28th Dr Suite 125 – Phoenix, AZ 85029 – (602) 564-0880 – View Map
• Travelers Insurance
  22601 N 19th Ave #216 – Phoenix, AZ 85027 – (623) 572-0032 – View Map

View more Phoenix agents

In Summary

Discount Volkswagen Tiguan insurance in Phoenix can be sourced on the web in addition to many Phoenix insurance agents, and you should compare price quotes from both to get a complete price analysis. There are still a few companies who do not provide rates over the internet and most of the time these small, regional companies work with local independent agencies.

We just covered quite a bit of information on how to lower your Volkswagen Tiguan insurance car insurance rates in Phoenix. It’s most important to understand that the more quotes you get, the better likelihood of getting cheaper Phoenix car insurance quotes. Drivers may even discover the lowest car insurance rates come from an unexpected company.

Consumers leave their current company for any number of reasons including high prices, unfair underwriting practices, denial of a claim or even delays in paying claims. Regardless of your reason, switching companies can be easy and end up saving you some money.

Additional information can be read at these links:

• Learn About Car Insurance (GEICO)
• Who Has Affordable Phoenix Car Insurance Quotes for a 20 Year Old Male? (FAQ)
• Who Has Affordable Phoenix Auto Insurance for a Ford Fusion? (FAQ)
• Who Has Affordable Car Insurance Quotes for Retired Military in Phoenix? (FAQ)
• How to Avoid Buying a Flooded Car (Insurance Information Institute)
• Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)