Best Ways to Save on Los Angeles Volkswagen Tiguan Insurance

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Insurance rates Volkswagen Tiguan in Los AngelesLocating low-cost insurance for a Volkswagen Tiguan in California could be difficult, but you can learn the following methods to save time.

There are both good and bad ways to buy insurance so you're going to learn the quickest way to compare rates on a Volkswagen and obtain the lowest possible price either online or from Los Angeles insurance agents.

Finding low cost Los Angeles insurance quotes isn't really that difficult. Consumers just need to spend a little time getting comparison quotes online with multiple companies.

The companies shown below have been selected to offer free rate quotes in Los Angeles, CA. If multiple companies are shown, it's a good idea that you compare several of them to get the best price comparison.

Car insurance statistics for a Volkswagen Tiguan

The price information displayed below highlights detailed analysis of prices for Volkswagen Tiguan models. Learning more about how rates are calculated is important for making decisions on which insurance to purchase.

Volkswagen Tiguan Insurance Rates in Los Angeles, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tiguan S 2WD $278 $464 $376 $22 $112 $1,252 $104
Tiguan S 2WD $278 $464 $376 $22 $112 $1,252 $104
Tiguan SE 4Motion AWD $314 $546 $376 $22 $112 $1,370 $114
Tiguan SEL 4Motion AWD $314 $546 $376 $22 $112 $1,370 $114
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Premium amounts do not factor in specific location which can revise insurance rates considerably.

Comparison of policy deductibles

When comparing car insurance rates, the most common question is which deductible level should you buy. The following insurance rates can help show the rate fluctuation between low and high comp and collision deductibles. The first price estimate table uses a $250 deductible for comprehensive and collision coverage and the second price grid uses a $1,000 deductible.

Volkswagen Tiguan insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tiguan S 2WD $342 $576 $376 $22 $112 $1,453 $121
Tiguan S 2WD $342 $576 $376 $22 $112 $1,453 $121
Tiguan SE 4Motion AWD $386 $678 $376 $22 $112 $1,599 $133
Tiguan SEL 4Motion AWD $386 $678 $376 $22 $112 $1,599 $133
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Volkswagen Tiguan insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tiguan S 2WD $210 $362 $376 $22 $112 $1,082 $90
Tiguan S 2WD $210 $362 $376 $22 $112 $1,082 $90
Tiguan SE 4Motion AWD $238 $426 $376 $22 $112 $1,174 $98
Tiguan SEL 4Motion AWD $238 $426 $376 $22 $112 $1,174 $98
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Price estimates do not factor in vehicle garaging location which can impact price quotes considerably.

Using the data above, we can ascertain that using a $250 deductible would cost the average driver about $33 more each month or $396 each year than buying the higher $1,000 deductible. Because you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to go at a minimum 23 months between claim filings, you would most likely save money by going with a higher deductible. Here's how this determination is made.

Average monthly premium for $250 deductibles: $127
Average monthly premium for $1,000 deductibles (subtract): - $94
Monthly savings from raising deductible: $33
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $33
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

One important note is that a higher deductible level results in more money out-of-pocket when you have a claim. You need to make sure you have enough money stashed away in the event you need to pay the higher deductible.

The diagram below shows how different deductible levels and can change Volkswagen Tiguan insurance costs for different categories of driver ages. The information is based on a married female driver, full physical damage coverage, and no discounts are factored in.

Do you need full coverage?

The example below compares Volkswagen Tiguan auto insurance rates with full coverage compared to only the California minimum liability coverage. The premiums are based on no violations or claims, $100 deductibles, single marital status, and no discounts are taken into consideration.

When to drop comp and collision

There is no definitive formula of when to drop physical damage coverage, but there is a general school of thought. If the annual cost of your full coverage insurance is more than 10% of the replacement cost minus the deductible, then it may be the right time to buy liability only.

For example, let's pretend your Volkswagen Tiguan replacement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $3,000 after the policy deductible has been paid. If premium cost is more than $300 a year to have full coverage, then it might be time to consider dropping full coverage.

There are some conditions where dropping physical damage coverage is not advised. If you still owe money on your vehicle, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.

Why you need vehicle insurance in California

Despite the high cost of buying insurance for a Volkswagen Tiguan in Los Angeles, insurance is required in California but it also protects you in many ways.

  • Almost all states have compulsory liability insurance requirements which means state laws require a specific level of liability coverage in order to drive the car legally. 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 bought your Volkswagen Tiguan with a loan, most banks will force you to have comprehensive coverage to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the bank will be required to insure your Volkswagen at a much higher rate and make you pay for it.
  • Insurance protects both your assets and your Volkswagen. Insurance will pay for medical bills that are the result of an accident. One of the most valuable coverages, liability insurance, will also pay attorney fees if you cause an accident and are sued. If damage is caused by hail or an accident, your policy will pay to restore your vehicle to like-new condition.

The benefits of carrying enough insurance greatly outweigh the cost, especially when you need to use it. The average driver in California is currently overpaying as much as $825 a year so you should quote and compare rates at least once a year to save money.

Good Decisions Result in Lower Insurance Costs

When buying auto insurance it's important to understand some of the things that go into determining the level of your policy premiums. If you understand what determines premiums, this enables you to make decisions that may reward you with much lower annual insurance costs.

Responsible credit means lower costs - Having a good credit score is likely to be a major factor in your rate calculation. Drivers with good credit tend to be less risk to insure as compared to drivers with lower credit ratings. If your credit rating could use some work, you may save money insuring your Volkswagen Tiguan if you improve your credit rating.

Bundle policies and save - Most insurance companies give lower prices to policyholders who have multiple policies with them such as combining an auto and homeowners policy. Discounts can amount to anywhere from five to ten percent in most cases. Even if you qualify for this discount already, consumers should still shop around to verify if the discount is saving money. You may still be able to find a better deal by buying insurance from more than one company.

Do you really need the add-on coverages? - There are many extra bells and whistles that can waste your money if you aren't diligent. Coverage for things like replacement cost coverage, towing coverage, and extra equipment coverage are probably not needed. These may sound like a good investment at first, but if they're wasting money eliminate them to save money.

Don't get traffic citations - Even a single ticket can bump up the cost to the point where it's not affordable. Attentive drivers tend to pay less for car insurance compared to drivers with tickets. People who have serious citations like DUI, reckless driving or excessive speeding may find they need to maintain a SR-22 with their state's licensing department in order to prevent a license revocation.

The example below demonstrates how citations and fender-benders drive up Volkswagen Tiguan car insurance rates for different insured age categories. The prices are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.

Men drivers tend to cost more - Statistics have proven females are less aggressive when driving. It does not mean women are better drivers. Men and women have accidents in similar percentages, but men cause more damage. In addition to higher claims, males also receive more major tickets like DWI (DUI) or reckless driving.

The diagram below illustrates the comparison of Volkswagen Tiguan annual premium costs for male and female drivers. The data is based on no claims or driving violations, full physical damage coverage, $500 deductibles, single status, and no additional discounts are factored in.

City dwellers may pay more - Choosing to live in smaller towns and rural areas of the country is a positive aspect when buying auto insurance. Fewer people means a lower chance of having an accident as well as less vandalism and auto theft. Urban drivers have to deal with more aggressive driving styles and longer commutes to work. Higher commute times means more chance of being in an accident.

Your liability limits - Liability coverage will provide protection when you are responsible for physical damage or personal injury to other. Your policy's liability insurance provides legal defense coverage to attempt to prove you were not liable. This coverage is relatively inexpensive as compared to coverage for physical damage, so drivers should make sure they buy enough to cover all assets.

Physical damage deductibles - Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your vehicle. Some examples of claims that would be covered could be a broken windshield, flood damage, and having your car stolen. Comprehensive and collision coverage deductibles represent how much money you are willing to pay if a covered claim is submitted. The larger the amount the insured has to pay upfront, the lower your rates will be.

Insurance loss data for a Volkswagen Tiguan - Insurance companies take into consideration historical loss data for every vehicle when determining insurance rates. Vehicles that are shown to have a higher amount or frequency of claims will have higher rates.

The table below shows the loss history for Volkswagen Tiguan vehicles. For each type of coverage, the claim amount for all vehicles, regardless of make or model, is set at 100. Values that are 100 or less mean the vehicle has better than average losses, while values that are 100 or greater point to more frequent losses or tendency to have higher losses.

Volkswagen Tiguan Insurance Loss Statistics
Vehicle 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
BETTER
AVERAGE
WORSE

Statistics from IIHS.org for 2013-2015 Model Years

Do you qualify for discounts?

Companies that sell car insurance don't necessarily list every discount they offer very well, so the following list contains some of the more common and also the lesser-known credits available to bring down your rates.Discount car insurance

  • Low Mileage Discounts - Low mileage vehicles can earn better prices on cars that stay parked.
  • Save with More Vehicles Insured - Purchasing coverage when you have multiple vehicles on one policy can get a discount for every vehicle.
  • Pay Now and Pay Less - By making one initial payment rather than paying monthly you could save 5% or more.
  • Safety Course Discount - Taking time to complete a safe driver course is a good idea and can lower rates and easily pay for the cost of the class.
  • Good Student - Performing well in school may save you up to 25%. The good student discount can last until age 25.
  • New Car Discount - Insuring a new Tiguan can get you a discount since newer vehicles are generally safer.
  • Data Collection Discounts - Los Angeles drivers who agree to allow companies to track vehicle usage through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates as long as they are good drivers.
  • Discounts for Government Workers - Being employed by or retired from a federal job can save as much as 8% with certain companies.
  • Military Discounts - Having a family member in the military could trigger a small discount.

Policy discounts save money, but many deductions do not apply to the entire cost. Most cut specific coverage prices like liability, collision or medical payments. Even though it appears all the discounts add up to a free policy, companies don't profit that way. Any qualifying discounts will definitely reduce the cost of your policy.

The example below shows the difference between Volkswagen Tiguan auto insurance costs with and without policy discounts. The rate quotes are based on a female driver, no claims or driving citations, California 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 homeowner, multi-policy, safe-driver, claim-free, marriage, and multi-car discounts applied.

A few of the larger companies and their offered discounts are:

  • AAA offers discounts for good driver, anti-theft, education and occupation, multi-car, and pay-in-full.
  • Progressive may have discounts that include online quote discount, online signing, continuous coverage, homeowner, multi-vehicle, and good student.
  • State Farm offers discounts including multiple policy, Drive Safe & Save, anti-theft, defensive driving training, Steer Clear safe driver discount, driver's education, and student away at school.
  • Esurance has discounts for emergency road assistance, good student, DriveSense, Pac-12 alumni, defensive driver, online shopper, and good driver.
  • Nationwide may include discounts for defensive driving, anti-theft, accident-free, good student, family plan, Farm Bureau membership, and business or organization.

Double check with each company or agent how you can save money. Some discounts listed above might not apply in every state. To see car insurance companies that have a full spectrum of discounts in California, click here.

How to know if you need help

Always keep in mind that when comparing proper insurance coverage for your personal vehicles, there really isn't a single plan that fits everyone. Every insured's situation is different and your auto insurance should be unique as well.Higher deductibles save money For instance, these questions may help you determine whether your personal situation would benefit from an agent's advice.

  • When should I remove comp and collision on my Volkswagen Tiguan?
  • When should my teen driver be added to my policy?
  • Does my Volkswagen Tiguan need full coverage?
  • Does rental coverage apply when I am renting a car?
  • Am I covered when driving someone else's vehicle?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • What is high-risk coverage and where do I buy it?

If you don't know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It's fast, doesn't cost anything and can provide invaluable advice.

Do I need a local insurance agent?

Many drivers still like to buy from a licensed agent. Most agents can make sure you are properly covered and help you file claims. A good thing about comparing rate quotes online is you can get lower rates and still have an agent to talk to. Buying from neighborhood insurance agencies is especially important in Los Angeles.

Insurance agents in Los AngelesTo help locate an agent, after submitting this simple form, your insurance coverage information gets sent to agents in your area who will give you quotes for your coverage. There is no reason to contact any insurance agencies because prices are sent to the email address you provide. If you need to compare rates from a particular provider, you just need to visit that company's website and fill out the quote form the provide.

If you want a reputable insurance agent or broker, it helps to know the two types of agencies and how they differ in how they can insure your vehicles. Los Angeles agents can be classified as either independent agents or exclusive agents. Either can sell affordable insurance policies, but it's a good idea to understand how they are different because it can influence the type of agent you choose.

Independent Agencies or Brokers

Independent insurance agents are not restricted to one company and that enables them to quote your coverage amongst many companies and help determine which has the cheapest rates. To move your coverage to a new company, they can switch companies in-house and you don't have to find a new agent.

When comparing insurance rates, you definitely need to get rate quotes from several independent agencies in order to compare the most rates. Many can place coverage with companies that do not advertise much which can save you money.

Featured below is a partial list of independent agencies in Los Angeles who may provide free insurance quotes.

More Los Angeles agents

Exclusive Agencies

These agents write business for a single company and some examples include State Farm, Allstate, or Farmers Insurance. Exclusive agents cannot give you multiple price quotes so it's a take it or leave it situation. Exclusive agents are usually well trained in insurance sales which helps offset the inability to provide other markets. Some people will only use the same exclusive agent primarily because of high brand loyalty rather than low price.

Shown below are Los Angeles exclusive insurance agents willing to provide rate quotes.

More Los Angeles agents

Finding the right auto insurance agent requires you to look at more than just a low price. These are valid questions to ask:

  • Is there any savings for paying the full premium?
  • Does the agent recommend any additional coverage?
  • If you have an accident, will your rates go up?
  • Do the agents have professional certifications like CPCU or CIC?
  • Where are claims handled?
  • Are you getting all the discounts the company offers?
  • Do they have any clout with companies to ensure a fair claim settlement?
  • Can they give you a list of client referrals?

Lower rates by being persistent

As you go through the steps to switch your coverage, make sure you don't buy lower coverage limits just to save a few bucks. Too many times, someone dropped liability coverage limits and found out when filing a claim that the savings was not a smart move. The goal is to buy enough coverage at the lowest possible cost while not skimping on critical coverages.

Cheap Volkswagen Tiguan insurance in Los Angeles is definitely available both online and from local insurance agents, and you should compare rates from both in order to have the best chance of saving money. Some insurance providers may not offer online price quotes and many times these smaller companies only sell coverage through local independent agents.

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