Volkswagen Tiguan Insurance Rate Quotes in Colorado Springs

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Discount Volkswagen Tiguan insuranceTo save the most money, the best way to find cheaper prices for auto insurance rates is to regularly compare prices from insurers who can sell car insurance in Colorado Springs.

Step 1: Take a little time to learn about car insurance and the changes you can make to keep rates in check. Many rating criteria that cause high rates such as speeding tickets, careless driving and a substandard credit score can be remedied by paying attention to minor details.

Step 2: Compare rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can give quotes from a single company like GEICO or Allstate, while independent agents can give you price quotes for a wide range of insurance providers.

Step 3: Compare the new rate quotes to the price on your current policy to determine if switching companies saves money. If you find a lower rate and switch companies, make sure there is no lapse in coverage.

Step 4: Tell your current company of your intention to cancel the current policy. Submit payment along with a signed and completed policy application to your new agent or company. As soon as you receive it, keep the new proof of insurance certificate along with the vehicle's registration papers.

The key aspect of shopping around is to try to compare the same level of coverage on every quote and and to get rates from as many car insurance companies as possible. This guarantees the most accurate price comparison and the best rate selection.

Unbelievable but true, 70% of consumers have bought auto insurance from the same company for at least four years, and 38% of drivers have never taken the time to shop around. Colorado Springs drivers can save hundreds of dollars each year by just shopping around, but they mistakenly think it's difficult to shop their coverage around.

Many insurance companies give coverage prices online. Getting Volkswagen Tiguan insurance prices online is quite simple as you simply enter your personal and coverage information on the page. After you submit the form the company's rating system gets your driving record and credit report and generates pricing information based on many factors.

Using the web to get rate quotes for Volkswagen Tiguan insurance in Colorado Springs simplifies rate comparisons, and it's very important to do this if you want to get the lowest possible payments on car insurance.

To find out what other companies charge, take a look at the companies shown below. If you have your current policy handy, we recommend you complete the form with coverages and limits as close as possible to your current policy. This guarantees you will be getting comparison quotes for exact coverage.

The auto insurance companies shown below offer free rate quotes in Colorado Springs, CO. If you wish to find cheaper auto insurance in Colorado Springs, CO, it's a good idea that you compare several of them to get the cheapest price.

Discounts for cheap insurance quotes

Car insurance companies don't always advertise every available discount very well, so the list below gives a summary of a few of the more common and the more hidden credits available to lower your premiums when you buy Colorado Springs auto insurance online.Insurance discounts

  • Multi-policy Discount - If you insure your home and vehicles and insure them both with the same insurance company you may save at least 10% off all policies.
  • Theft Deterrent - Cars and trucks that have factory anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.
  • Accident Forgiveness - This isn't a discount exactly, but certain companies will allow you to have one accident before they charge you more for coverage so long as you haven't had any claims for a certain period of time.
  • Government Employee Discount - Simply working for the federal government can save as much as 8% depending on your insurance provider.
  • Accident-Free Discounts - Insureds with no claims or accidents pay less compared to accident-prone drivers.
  • Payment Discounts - By paying your entire bill at once rather than paying in monthly installments you can avoid the installment charge.
  • Defensive Driver Discount - Participating in a course in driver safety could save 5% or more and easily recoup the cost of the course.
  • Passive Restraints and Air Bags - Vehicles with factory air bags or motorized seat belts may get savings of 20 to 30 percent.

Don't be shocked that most discount credits are not given to the entire cost. Most only apply to the price of certain insurance coverages like comprehensive or collision. Even though the math looks like all the discounts add up to a free policy, companies wouldn't make money that way.

The illustration below visualizes the comparison of Volkswagen Tiguan car insurance rates with and without discounts applied to the policy rates. The data assumes a male driver, no claims or driving violations, Colorado state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, homeowner, claim-free, multi-car, and safe-driver discounts applied.

A few popular companies and some of the discounts can be found below.

  • State Farm has savings for good student, Drive Safe & Save, driver's education, multiple policy, accident-free, passive restraint, and Steer Clear safe driver discount.
  • GEICO may have discounts that include good student, air bags, defensive driver, multi-vehicle, and federal employee.
  • Progressive may offer discounts for continuous coverage, homeowner, multi-vehicle, good student, and online signing.
  • 21st Century offers discounts including theft prevention, 55 and older, teen driver, homeowners, anti-lock brakes, student driver, and defensive driver.
  • American Family discounts include multi-vehicle, accident-free, defensive driver, bundled insurance, good driver, and mySafetyValet.
  • The Hartford policyholders can earn discounts including bundle, vehicle fuel type, good student, anti-theft, defensive driver, and air bag.
  • AAA may include discounts for multi-car, education and occupation, anti-theft, AAA membership discount, multi-policy, pay-in-full, and good student.

If you need affordable Volkswagen Tiguan insurance quotes, ask each company which discounts they offer. Some discounts listed above may not apply in Colorado Springs. For a list of companies with discount insurance rates in Colorado, click here.

Insurance rate breakdown

The coverage information shown next highlights different insurance policy prices for Volkswagen Tiguan models. Being more informed about how auto insurance prices are determined is important to be able to make smart choices when comparing insurance rates.

Volkswagen Tiguan Insurance Rates in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tiguan S 2WD $260 $536 $338 $20 $102 $1,256 $105
Tiguan S 2WD $260 $536 $338 $20 $102 $1,256 $105
Tiguan SE 4Motion AWD $294 $630 $338 $20 $102 $1,384 $115
Tiguan SEL 4Motion AWD $294 $630 $338 $20 $102 $1,384 $115
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Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Estimates do not factor in zip code location which can influence rates substantially.

How high should deductibles be?

When shopping for auto insurance, a common question is which deductible level should you buy. The rates shown below may help to conceptualize the rate difference of buying low and high physical damage coverage deductibles. The first data table uses a $100 deductible and the second pricing table uses a $1,000 deductible.

Volkswagen Tiguan insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tiguan S 2WD $302 $546 $298 $18 $90 $1,279 $107
Tiguan S 2WD $302 $546 $298 $18 $90 $1,279 $107
Tiguan SE 4Motion AWD $342 $644 $298 $18 $90 $1,417 $118
Tiguan SEL 4Motion AWD $342 $644 $298 $18 $90 $1,417 $118
Get Your Own Custom Quote Go
Volkswagen Tiguan insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tiguan S 2WD $168 $288 $298 $18 $90 $862 $72
Tiguan S 2WD $168 $288 $298 $18 $90 $862 $72
Tiguan SE 4Motion AWD $190 $340 $298 $18 $90 $936 $78
Tiguan SEL 4Motion AWD $190 $340 $298 $18 $90 $936 $78
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Premium amounts do not factor in the specific area where the vehicle is garaged which can impact price quotes substantially.

Using the data above, we can ascertain that using a $100 deductible costs about $38 more each month or $456 a year than selecting the higher $1,000 deductible. Because you would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at least 24 months between claims, you would save money if you decide on a higher deductible. The table below illustrates a better example of how this calculation is made.

Average monthly premium for $100 deductibles: $113
Average monthly premium for $1,000 deductibles (subtract): - $75
Monthly savings from raising deductible: $38
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $38
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 24 months

One important caveat is that higher deductibles means you will have to pay more out-of-pocket when you have to file a claim. You need enough disposable income in the event you need to pay the higher deductible.

The example below demonstrates how deductible levels and can influence Volkswagen Tiguan insurance costs for each different age category. The rates are based on a single male driver, full physical damage coverage, and no other discounts are factored in.

Rate comparison of full coverage and liability-only

The example below compares Volkswagen Tiguan auto insurance costs with full physical damage coverage compared to only buying liability only. The costs are based on no tickets, no at-fault accidents, $500 deductibles, drivers are not married, and no policy discounts are applied.

When to stop paying for full coverage

There is no exact formula that works best for making the decision to drop physical damage coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is more than about 10% of replacement cost minus your deductible, then you might consider buying liability only.

For example, let's pretend your Volkswagen Tiguan claim settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, you would only receive $4,000 after the deductible is paid. If premiums are more than $400 annually for your policy with full coverage, then it could be time to drop full coverage.

There are some conditions where only buying liability is not a good plan. If you have an outstanding loan on your vehicle, you have to maintain full coverage as part of the loan conditions. 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.

When to contact a local insurance agent

Certain consumers still like to visit with an insurance agent and doing that can be a smart decision Agents can answer important questions and help you file claims. One of the great benefits of getting online price quotes is you may find better rates and still have a local agent. Buying insurance from neighborhood insurance agencies is definitely important in Colorado Springs.

By using this form (opens in new window), the quote information gets sent to insurance agents in Colorado Springs who will give competitive quotes for your coverage. There is no reason to search for any insurance agencies since rate quotes are delivered straight to your inbox. If you have a need to compare prices from a specific car insurance provider, don't hesitate to visit that company's website and complete a quote there.

The following are Colorado Springs insurers willing to provide rate quotes for Volkswagen Tiguan insurance in Colorado Springs.

More Colorado Springs agents

Choosing an provider should include more criteria than just a cheap quote. Here are some questions you should ask.

  • Where would glass claims be handled in Colorado Springs?
  • Which members of your family are coverage by the policy?
  • Are they full-time agents?
  • What company do they have the most business with?
  • Is there a Errors and Omissions policy in force?
  • What is their Better Business Bureau rating?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • Are you getting all the discounts the company offers?

What is the best auto insurance coverage?

Always remember that when buying adequate coverage, there really is not a "best" method to buy coverage. Everyone's situation is unique so this has to be addressed.Higher deductibles save money Here are some questions about coverages that might point out whether or not you may require specific advice.

  • Does coverage extend to Mexico or Canada?
  • Is my babysitter covered when using my vehicle?
  • What is PIP insurance?
  • Why are teen drivers so expensive to add on to my policy?
  • Do I need an umbrella policy?
  • Do I have coverage for damage caused while driving under the influence?
  • Does insurance cover tools stolen from my truck?

If you're not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Volkswagen Tiguan Insurance Premium Factors

Lots of things are used when you get a price on insurance. Some are obvious like an MVR report, but other factors are not as apparent such as your marital status or your commute time.

Additional coverages that may be costing you - There are a lot of extra add-on coverages that you can get tricked into buying if you aren't careful. Coverages for coverage for rental cars, accident forgiveness, and extra equipment coverage are some examples. The coverages may be enticing at first, but your needs may have changed so remove them and pocket the money.

Safer vehicles cost less to insure - Vehicles that have high safety ratings are cheaper to insure. Vehicles engineered for safety help reduce the chance of injuries in an accident and better occupant protection means less money paid by your insurance company and more competitive rates for policyholders.

File insurance claims and pay more - Car insurance companies in Colorado provide lower rates to people who do not file claims often. If you are the type of insured that files lots of claims you can pretty much guarantee either higher rates or even cancellation. Your car insurance is designed for claims that you cannot pay yourself.

Females tend to cost less - Statistics have proven that females tend to be a little less risky than males. Now that doesn't mean males are worse at driving than females. Males and females have auto accidents at about the same rate, but the male of the species tend to have more serious accidents. They also receive more costly citations like DWI (DUI) or reckless driving.

The illustration below illustrates the comparison of Volkswagen Tiguan auto insurance costs for male and female drivers. Data assumes a clean driving record, no at-fault accidents, comp and collision included, $100 deductibles, marital status is single, and no discounts are taken into consideration.

Volkswagen Tiguan historical loss data - Insurers factor in insurance loss information to help determine the rate you pay. Models that have higher loss trends will cost more to insure. The data below shows the compiled insurance loss statistics for Volkswagen Tiguan vehicles.

For each policy coverage, the statistical loss for all vehicles averaged together is represented as 100. Values that are below 100 suggest a better than average loss history, while values over 100 indicate more frequent losses or larger claims.

Volkswagen Tiguan Insurance Claim 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 Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Choosing Volkswagen vehicle insurance is an important decision

Even though it can be expensive, auto insurance is required in Colorado but also provides important benefits.

  • The majority of states have mandatory liability insurance requirements which means the state requires specific limits of liability coverage in order to license the vehicle. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
  • If you have a lien on your Volkswagen Tiguan, it's guaranteed your bank will force you to have insurance to ensure loan repayment if the vehicle is totaled. If coverage lapses or is canceled, the bank or lender will purchase a policy for your Volkswagen at a more expensive rate and require you to reimburse them much more than you were paying before.
  • Insurance protects both your Volkswagen Tiguan and your assets. Insurance will pay for many types of medical costs for both you and anyone you injure as the result of an accident. Liability insurance also pays for attorney fees and expenses if you are sued as the result of an accident. If you have damage to your Volkswagen as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.

The benefits of buying auto insurance more than offset the price you pay, particularly if you ever have a claim. In a recent study of 1,000 drivers, the average customer is overpaying over $800 each year so it's very important to do a rate comparison every year to ensure rates are inline.

Find cheap car insurance rates by comparing often

When you buy Colorado Springs auto insurance online, make sure you don't buy less coverage just to save a little money. There are a lot of situations where an accident victim reduced uninsured motorist or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. The goal is to find the BEST coverage at an affordable rate, not the least amount of coverage.

Affordable Volkswagen Tiguan insurance in Colorado Springs can be found from both online companies in addition to many Colorado Springs insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance providers don't offer price quotes online and these small insurance companies only sell through independent agencies.

We just covered some good ideas how to save on Volkswagen Tiguan insurance in Colorado Springs. The key thing to remember is the more quotes you get, the higher the chance of saving money. Consumers may even find the lowest premium rates are with a lesser-known regional company. Some small companies may cover specific market segments cheaper compared to the large companies like Allstate, GEICO and Progressive.

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