Finding better insurance prices for your Volkswagen Touareg can be difficult, but you can use the following methods to make it easier.
There is a better way to find car insurance online and we’ll show you the absolute fastest way to get price quotes on a Volkswagen and find the lowest price from local insurance agents and online providers.
Save money by taking advantage of these discounts
Car insurance can cost a lot, but there are discounts available that you may not know about. Certain discounts will be applied at the time of quoting, but some must be asked for before you get the savings.
- Auto/Life Discount – Some companies give a break if you buy a life insurance policy as well.
- New Vehicle Savings – Insuring a new car can save up to 30% compared to insuring an older model.
- Multi-car Discount – Buying insurance for more than one vehicle on one policy qualifies for this discount.
- Early Switch Discount – Select companies give a discount for switching to them before your current policy expires. It’s a savings of about 10%.
- Defensive Driver – Completing a course in driver safety could save 5% or more depending on where you live.
- Distant Student – Youth drivers who attend school more than 100 miles from home and do not have a car can receive lower rates.
- Paperless Signup – Certain companies will give a small break for buying your policy online.
- Anti-theft System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
- 55 and Retired – Mature drivers may receive a small decrease in premiums for Touareg insurance.
- Memberships – Affiliation with certain professional organizations could qualify you for a break on car insurance for Touareg insurance.
It’s important to note that most of the big mark downs will not be given to your bottom line cost. Most only apply to the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears all the discounts add up to a free policy, car insurance companies aren’t that generous. Any qualifying discounts will reduce the cost of coverage.
For a list of companies with the best car insurance discounts, click here to view.
Why your Volkswagen Touareg might be costing you more
Smart consumers have a good feel for some of the elements that help determine car insurance rates. Knowing what influences your rates allows you to make educated decisions that could result in big savings.
- Older drivers pay less – Teenage drivers tend to be less responsible behind the wheel so they pay higher car insurance rates. Having to add a young driver to your policy can be quite pricey. Older drivers tend to be more responsible, file fewer claims and tend to be better behind the wheel.
- Your location is important – Being located in a small town is a positive aspect when buying car insurance. City drivers regularly have more traffic problems and a longer drive to work. Fewer people means reduced accidents as well as less vandalism and auto theft.
- Safer occupants lowers premiums – Vehicles with high crash test scores get lower rates. These vehicles result in less severe injuries and better occupant protection translates into savings for insurance companies passed on to you as lower rates. If your Volkswagen has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
- Battle of the sexes – The statistics show women are more cautious behind the wheel. Now that doesn’t mean women are BETTER drivers than men. Women and men are in accidents in similar numbers, but the male of the species tend to have more serious accidents. Men also tend to get more serious tickets such as DWI and reckless driving.
- Discounts for multiple policies – Most companies provide better rates to customers who have multiple policies with them in the form of a multi-policy discount. Even with this discount, you may still want to compare rates to verify if the discount is saving money. You may still be able to find a better deal by splitting coverages up.
When should I use an insurance agent?
When it comes to buying coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different.
For instance, these questions could help you determine if your situation would benefit from an agent’s advice.
- How much liability do I need to cover my assets?
- Will my vehicle be repaired with OEM or aftermarket parts?
- Does my Volkswagen Touareg need full coverage?
- Do I need added coverage for expensive stereo equipment?
- Is my nanny covered when driving my vehicle?
- Do I pay less if my vehicle is kept in my garage?
- Does my insurance cover damage caused when ticketed for reckless driving?
- Are my friends covered when driving my Volkswagen Touareg?
- How high should my uninsured/underinsured coverage be in my state?
- Are rental cars covered under my policy?
If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form.
Save $421 a year. For real?
State Farm and Allstate regularly use ads on television and other media. All the companies make an identical promise about savings if you move to their company. But how can every company make almost identical claims? It’s all in the numbers.
All the different companies can use profiling for the driver that makes them money. For example, a driver they prefer might be profiled as between 25 and 40, has no driving citations, and has excellent credit. A driver who fits that profile receives the best rates and is almost guaranteed to save quite a bit of money when switching.
Consumers who don’t measure up to these standards must pay higher premiums which usually ends up with business not being written. Company advertisements say “drivers who switch” not “everyone that quotes” save money. That is how insurance companies can advertise the savings.
This illustrates why it is so important to quote coverage with many companies. It’s impossible to know which company will provide you with the cheapest rates.
In conclusion
Cost effective Volkswagen Touareg insurance is possible online and also from your neighborhood agents, so compare prices from both to have the best rate selection. Some insurance companies may not provide online quoting and many times these smaller companies only sell through independent insurance agents.
Throughout this article, we presented a lot of ways to shop for Volkswagen Touareg insurance online. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with a lesser-known regional company.
Drivers leave their current company for any number of reasons including not issuing a premium refund, high prices, extreme rates for teen drivers or even poor customer service. No matter why you want to switch, choosing a new insurance company is not as difficult as it may seem.
