Affordable Rate Quotes for Volkswagen Tiguan Insurance in Toledo

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Insurance for Volkswagen TiguanDo you want a faster way to compare low-cost insurance rates in Toledo, OH? Toledo drivers have many options when trying to find the lowest priced Volkswagen Tiguan insurance. They can either spend hours contacting agents to get rate comparisons or utilize the internet to find the lowest rates.

There are both good and bad ways to find insurance online and you need to know the quickest way to price shop coverage for your Volkswagen and obtain the lowest price either online or from Toledo insurance agents.

It is always a good idea to quote other rates on a regular basis since prices change frequently. Despite the fact that you may have had the lowest rates on Volkswagen Tiguan insurance in Toledo a few years ago a different company probably has better rate quotes today. You can find a lot of wrong information about Tiguan insurance online but in a few minutes you can learn some tested techniques to put money back in your pocket.

Cut Insurance Costs with These Tips

The best way to find cheaper car insurance is to take a look at some of the factors that are used to determine your premiums. If you have some idea of what positively or negatively impacts your premiums, this helps enable you to make changes that will entitle you to much lower annual insurance costs. Lots of factors are used when you get your auto insurance bill. Some factors are common sense such as your driving history, but other criteria are not as apparent such as whether you are married or how financially stable you are.

  • Drive a safer car and pay less - Vehicles that have high safety ratings are cheaper to insure. Safe vehicles protect occupants better and lower rates of occupant injuries translates into fewer and smaller insurance claims and lower rates for you.
  • Policy add-ons may not be needed - There are many extra bells and whistles that may not really be needed on your Tiguan policy. Coverage for things like replacement cost coverage, high-cost glass coverage, and membership fees could be just wasting money. They may seem good when you first buy your policy, but if they're wasting money eliminate the coverages to reduce your premium.
  • Limits of liability - Your car insurance policy's liability coverage is the protection if ever you are responsible for physical damage or personal injury to other. It provides for a legal defense up to the limits shown on your policy. This coverage is very inexpensive when compared to the cost of physical damage coverage, so drivers should carry high limits.
  • More performance means higher costs - The type of car you own makes a substantial difference in determining your rates. The lowest base rates will normally be found when insuring small economy passenger cars, but your final cost has many other factors.

    The following data uses these assumptions: single female driver age 50, full coverage with $100 deductibles, and no discounts or violations. The data compares Volkswagen Tiguan insurance premiums compared to other models that have different risk factors.

  • Loss probability for a Volkswagen Tiguan - Insurance companies use past loss statistics for each vehicle as a tool for profitable underwriting. Vehicles that the statistics show to have increased losses will cost more for coverage. The next table shows the actual insurance loss data for Volkswagen Tiguan vehicles.

    For each coverage type, the claim probability for all vehicles averaged together equals 100. Percentages below 100 suggest a better than average loss history, while numbers above 100 point to more claims or an increased probability of a larger loss.

    Volkswagen Tiguan Insurance Claim Statistics
    Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Volkswagen Tiguan 4dr 2WD 84 98 67 75 91 89
    Volkswagen Tiguan 4dr 4WD 93 101 85 82 80 90

    Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Volkswagen Tiguan insurance charts and tables

The data table shown below highlights a range of coverage prices for Volkswagen Tiguan models. Learning more about how insurance prices are determined can be valuable when making decisions on the best policy coverages.

Volkswagen Tiguan Insurance Rates in Toledo, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tiguan S 2WD $112 $202 $186 $10 $56 $566 $47
Tiguan S 2WD $112 $202 $186 $10 $56 $566 $47
Tiguan SE 4Motion AWD $126 $238 $186 $10 $56 $616 $51
Tiguan SEL 4Motion AWD $126 $238 $186 $10 $56 $616 $51
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Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Premium amounts do not factor in specific location information which can alter rates significantly.

Car insurance deductibles

One of the most common car insurance questions is where should you set your physical damage deductibles. The following tables help summarize how much more you'll pay between low and high deductibles. The first rate quote example uses a $250 physical damage coverage deductible and the second set of prices uses a $500 deductible.

Volkswagen Tiguan insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tiguan S 2WD $176 $296 $192 $12 $58 $759 $63
Tiguan S 2WD $176 $296 $192 $12 $58 $759 $63
Tiguan SE 4Motion AWD $198 $348 $192 $12 $58 $833 $69
Tiguan SEL 4Motion AWD $198 $348 $192 $12 $58 $833 $69
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Volkswagen Tiguan insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tiguan S 2WD $142 $238 $192 $12 $58 $642 $54
Tiguan S 2WD $142 $238 $192 $12 $58 $642 $54
Tiguan SE 4Motion AWD $160 $280 $192 $12 $58 $702 $59
Tiguan SEL 4Motion AWD $160 $280 $192 $12 $58 $702 $59
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Rate quotes do not factor in vehicle location which can modify rates noticeably.

Based on these figures, using a $250 deductible will cost you about $9 more each month or $108 for a full year across all Volkswagen Tiguan models than choosing the higher $500 deductible. Since you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you usually have at least 28 months between claim filings, you would most likely save money if you decide on a higher deductible.

How to determine if raising deductibles makes sense

Average monthly premium for $250 deductibles: $66
Average monthly premium for $500 deductibles (subtract): - $57
Monthly savings from raising deductible: $9
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $9
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 28 months

The chart below illustrates how your choice of deductibles and can influence Volkswagen Tiguan insurance prices for different age categories. The data is based on a single female driver, full coverage, and no discounts are factored in.

Illustration showing the impact of accidents and violations

The chart below highlights how traffic violations and fender-benders can affect Volkswagen Tiguan annual premium costs for each different age group. The costs are based on a single male driver, comp and collision included, $500 deductibles, and no discounts are taken into consideration.

Male drivers compared to female drivers in Toledo

The example below shows the difference between Volkswagen Tiguan auto insurance rates for male and female drivers. The data assumes a clean driving record, no at-fault accidents, comp and collision included, $500 deductibles, single status, and no discounts are applied to the premium.

Take advantage of these discounts on Volkswagen Tiguan insurance in Toledo

Insurance can be prohibitively expensive, but you might already qualify for some discounts that can help lower your rates. Some discounts will apply at the time of purchase, but once in a while a discount must be inquired about before you get the savings.Cheaper car insurance with discounts

  • Multi-Vehicle Discounts - Having multiple vehicles on the same car insurance policy can get a discount on all vehicles.
  • Driver Safety - Taking part in a course in safe driver could cut 5% off your bill and easily pay for the cost of the class.
  • Theft Deterrent Discount - Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen with less frequency so companies will give you a small discount.
  • Good Driver Discount - Accident-free drivers could pay up to 40% less than less cautious drivers.
  • Buy New and Save - Putting insurance on a new Tiguan can be considerably cheaper because newer models have to meet stringent safety requirements.
  • Military Rewards - Having a deployed family member could qualify you for better car insurance rates.
  • Life Insurance - Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase auto and life insurance together.
  • Senior Citizens - Mature drivers could receive a small discount on rates.

As a disclaimer on discounts, some credits don't apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like medical payments or collision. Even though the math looks like you could get a free car insurance policy, it's just not the way it works.

The information below shows the comparison of Volkswagen Tiguan yearly insurance costs with and without policy discounts. The price estimates are based on a male driver, no claims, a clean driving record, Ohio state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, claim-free, safe-driver, homeowner, and marriage discounts applied.

Larger car insurance companies and a summarized list of policyholder discounts are:

  • Farm Bureau discounts include youthful driver, driver training, multi-vehicle, good student, multi-policy, and 55 and retired.
  • MetLife has savings for defensive driver, accident-free, good driver, good student, claim-free, multi-policy
  • Progressive includes discounts for multi-vehicle, online quote discount, multi-policy, continuous coverage, and online signing.
  • AAA policyholders can earn discounts including education and occupation, good driver, multi-policy, pay-in-full, and good student.
  • American Family may include discounts for Steer into Savings, bundled insurance, early bird, mySafetyValet, good student, and good driver.
  • GEICO has discounts for military active duty, federal employee, daytime running lights, defensive driver, seat belt use, and multi-vehicle.
  • State Farm may offer discounts for multiple policy, safe vehicle, multiple autos, anti-theft, student away at school, Drive Safe & Save, and good driver.

Double check with every insurance company to apply every possible discount. Some discounts listed above might not be available to policyholders in every state. To see providers that offer multiple discounts in Toledo, click this link.

Quote more and you will save more

You just learned a lot of information how to compare Volkswagen Tiguan insurance rates in Toledo. The key thing to remember is the more rate comparisons you have, the better likelihood of getting cheaper Toledo auto insurance quotes. Consumers may even find the lowest priced car insurance comes from some of the lesser-known companies. Regional companies can often provide lower auto insurance rates in certain areas than the large multi-state companies such as GEICO and State Farm.

When shopping online for car insurance, do not reduce coverage to reduce premium. There are a lot of situations where consumers will sacrifice liability limits or collision coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy a smart amount of coverage at the lowest possible cost, but don't skip important coverages to save money.

The cheapest Volkswagen Tiguan insurance in Toledo is attainable from both online companies and with local Toledo insurance agents, so you need to quote Toledo auto insurance with both in order to have the best price selection to choose from. Some insurance providers may not provide online quoting and these small insurance companies work with local independent agents.

Steps to quoting cheaper Volkswagen Tiguan insurance in Toledo

If you want to save money, the best way to get more affordable Volkswagen Tiguan insurance is to begin comparing prices regularly from insurance carriers who provide car insurance in Toledo. This can be done by following these steps.

Step 1: Spend a few minutes and learn about individual coverages and the factors you can control to prevent expensive coverage. Many factors that cause high rates such as traffic violations and an unacceptable credit history can be eliminated by making minor driving habit or lifestyle changes.

Step 2: Get rate quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from a single company like Progressive or State Farm, while agents who are independent can provide rate quotes from many different companies.

Step 3: Compare the new rate quotes to the premium of your current policy to see if a cheaper price is available. If you can save money and change companies, make sure there is no coverage gap between policies.

Step 4: Notify your current company to cancel your current coverage. Submit payment along with a signed and completed policy application to your new agent or company. Once coverage is bound, place your new certificate of insurance along with your vehicle registration.

One thing to point out is that you use similar coverage information on every quote request and and to get rate quotes from as many different companies as possible. Doing this helps ensure a level playing field and the best price quote selection.

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