2017 Volkswagen Tiguan Limited Insurance Cost in 2024 – 10 Tricks for Best Prices

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 25, 2024

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Paying for pricey Volkswagen Tiguan Limited insurance can bleed your family’s budget and make it impossible to make ends meet. Performing a rate comparison can lower your rates and help to cut your insurance bill.

Insurance companies such as State Farm, Progressive and GEICO all promote huge savings with TV and radio ads and it is challenging if not impossible to see past the geckos and flying pigs and effectively compare rates to find the best deal.

If you have insurance now or need new coverage, you can use this information to get lower rates while maintaining coverages. Choosing the best insurance company for you is not rocket science. Drivers only need an understanding of the tricks to buy auto insurance on the web.

Lower rates by qualifying for these ten discounts

Auto insurance companies don’t always list the complete list of policy discounts very well, so we took the time to find a few of the more well known in addition to some of the lesser obvious auto insurance savings.

  • Driver Training Discounts – Passing a course teaching driver safety skills may get you a small discount if you qualify.
  • Active Service Discounts – Having an actively deployed family member may qualify for rate reductions.
  • Drivers Ed for Students – Require your teen driver to successfully take a drivers education course in school.
  • No Claim Discounts – Good drivers with no accidents have much lower rates in comparison with bad drivers.
  • Senior Discount – Mature drivers can get a discount up to 10% for Tiguan Limited coverage.
  • Discounts for Cautious Drivers – Drivers who avoid accidents can pay as much as 50% less for Tiguan Limited coverage than their less cautious counterparts.
  • Student Discounts – Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
  • Seat Belt Discounts – Using a seat belt and requiring all passengers to buckle their seat belts can save 10% or more on medical payment and PIP coverage.
  • One Accident Forgiven – This one is not really a discount per se, but a few companies such as Allstate and State Farm allow you one accident without raising rates so long as you haven’t had any claims for a set time period.
  • Full Payment Discount – By paying your entire bill at once rather than paying monthly you could save 5% or more.

One last thing about discounts, many deductions do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like comp or med pay. Even though it may seem like you would end up receiving a 100% discount, that’s just not realistic.

A few of the larger companies and a partial list of their discounts are detailed below.

  • 21st Century may have discounts that include theft prevention, teen driver, defensive driver, anti-lock brakes, and driver training.
  • Progressive offers premium reductions for good student, homeowner, online signing, online quote discount, multi-vehicle, and multi-policy.
  • State Farm discounts include anti-theft, Drive Safe & Save, good student, safe vehicle, multiple autos, and defensive driving training.
  • Nationwide may offer discounts for good student, multi-policy, family plan, accident-free, Farm Bureau membership, and easy pay.
  • Esurance includes discounts for safety device, claim free, online shopper, anti-theft, and DriveSense.
  • The Hartford offers discounts for bundle, vehicle fuel type, good student, driver training, anti-theft, air bag, and defensive driver.

Before purchasing a policy, check with all the companies to apply every possible discount. Some discounts might not apply in your area. If you would like to view insurers with the best discounts, enter your zip code here.

Quote auto insurance online

Cutting your auto insurance rates is not rocket science. Just take a couple of minutes comparing price quotes provided by online insurance companies. This can be done by using one of the methods below.

  1. Probably the best way consumers can analyze rates is an all-inclusive rate comparison. This type of form saves time by eliminating separate forms for each company you want a rate for. One form compares rates from several companies.
  2. A more difficult way to shop for auto insurance online consists of visiting each individual company website and complete a new quote form. For instance, let’s say you want rates from Auto-Owners, Farmers and American Family. You would be required to spend time going to each site individually and type in your information over and over, which is why the first method is quicker.
  3. The old school way to quote and compare insurance rates is calling or driving to different agent offices. The ability to quote online makes this process obsolete unless you have a need for the peace of mind of a local agent. It is possible with some companies get the lowest quotes online but buy from a local insurance agent.

It doesn’t matter which method you choose, just be certain you are entering nearly identical coverage limits and deductibles for each quote you get. If you use unequal deductibles or liability limits it will be next to impossible to truly determine the lowest rate.

Insurance is unique, just like you

When choosing proper insurance coverage, there really is no “perfect” insurance plan. Each situation is unique so this has to be addressed. Here are some questions about coverages that may help highlight if your situation could use an agent’s help.

  • Is business equipment covered while in my vehicle?
  • Am I covered when driving in Canada or Mexico?
  • Does having multiple vehicles earn me a discount?
  • How can I force my company to pay a claim?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • What is the ISO rating for a 2017 Volkswagen Tiguan Limited?
  • Should I buy additional glass protection?
  • Do I need medical payments coverage since I have good health insurance?
  • What is the rate difference between pleasure use and commuting?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out your zip code. It only takes a few minutes and you can get the answers you need.

The coverage is in the details

Having a good grasp of a insurance policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. These are the usual coverages found on the average insurance policy.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for expenses like rehabilitation expenses, nursing services, chiropractic care, prosthetic devices and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Volkswagen Tiguan Limited.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Auto collision coverage

Collision coverage covers damage to your Tiguan Limited caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as hitting a parking meter, crashing into a ditch, damaging your car on a curb and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive insurance

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as vandalism, damage from getting keyed, a tree branch falling on your vehicle, hitting a bird and fire damage. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for liability

This coverage can cover injuries or damage you cause to other’s property or people. This insurance protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability can pay for things such as repair costs for stationary objects, pain and suffering, repair bills for other people’s vehicles, attorney fees and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

A tidy conclusion

As you prepare to switch companies, it’s very important that you do not reduce coverage to reduce premium. There are a lot of situations where an accident victim reduced physical damage coverage only to discover later that the small savings ended up costing them much more. The goal is to buy a smart amount of coverage at the best possible price while not skimping on critical coverages.

Budget-friendly insurance is definitely available both online in addition to local insurance agencies, so you need to shop car insurance with both in order to have the best price selection to choose from. There are still a few companies who may not have price quotes online and usually these small, regional companies work with independent agents.

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