Compare 2018 Volkswagen Touareg Insurance Rates in 2024

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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 6, 2024

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Looking for the cheapest insurance rates for your Volkswagen Touareg? Paying more affordable prices for insurance can be nearly impossible for drivers who are new to online comparison shopping. With literally dozens of insurers to choose from, it can turn into a difficult situation to locate the lowest prices.

Buying the lowest cost coverage is not that difficult. In a nutshell, anyone who is required by state law to have auto insurance most likely will be able to save money. But vehicle owners should learn how big insurance companies sell insurance online because it can help you find the best coverage.

Get lower-cost insurance with discounts

Auto insurance companies don’t list every possible discount in a way that’s easy to find, so here is a list a few of the more well known as well as the least known credits available to bring down your rates. If you do not double check each discount you deserve, you could be getting lower rates.

  • Sign Online – Certain larger companies provide a small discount for buying a policy and signing up on the web.
  • Service Members Pay Less – Having a deployed family member could trigger a small discount.
  • Good Students Pay Less – Getting good grades can get you a discount of up to 25%. The discount lasts up until you turn 25.
  • Multi-Vehicle Discounts – Buying insurance for multiple vehicles on the same insurance policy can reduce rates for all insured vehicles.
  • Distant Student – Kids who live away from home at college and leave their car at home may be able to be covered for less.
  • Drivers Ed for Students – Teen drivers should participate in a local driver’s education class if offered at their school.
  • Pay Upfront and Save – If you pay your bill all at once rather than spreading payments over time you can avoid the installment charge.
  • Drive Less and Save – Driving less may allow you to get slightly better rates than normal.
  • Use Seat Belts – Forcing all vehicle occupants to buckle up before driving can save 10% or more on the premium charged for medical payments and/or PIP.

As a sidenote, most discounts do not apply to the whole policy. A few only apply to individual premiums such as liability and collision coverage. If you do the math and it seems like you could get a free insurance policy, insurance companies wouldn’t stay in business. But any discount will reduce your overall bill.

A list of insurance companies and some of the discounts include:

  • GEICO may offer discounts for multi-vehicle, daytime running lights, multi-policy, military active duty, and federal employee.
  • Travelers offers premium reductions for driver training, home ownership, hybrid/electric vehicle, early quote, new car, and student away at school.
  • Farm Bureau includes discounts for multi-policy, driver training, safe driver, good student, youthful driver, and 55 and retired.
  • Liberty Mutual discounts include newly married, good student, new move discount, preferred payment discount, newly retired, and hybrid vehicle.
  • American Family has savings for bundled insurance, mySafetyValet, early bird, TimeAway discount, and good driver.
  • Progressive has discounts for continuous coverage, online quote discount, online signing, multi-policy, and homeowner.

Before buying, ask all the companies which discounts they offer. Some discounts listed above might not be offered on policies in every state. If you would like to choose from a list of insurance companies that can offer you the previously mentioned discounts, enter your zip code here.

Finding insurance

The majority of larger companies provide prices from their websites. Comparing prices online is quite easy as you just type in the amount of coverage you want as requested by the quote form. Once entered, the quote system will obtain credit information and your driving record and generates a price based on these and other factors.

Online quotes makes it easy to compare insurance prices but having to visit many different websites and type in the same data is a waste of time. But it’s also necessary to compare as many rates as possible if you are searching for a better rate.

Keep reading for an easier way to compare prices

The easiest way to lower your rates is to use a quote form that gets prices from a bunch of companies at once. This type of form saves time, eliminates form submissions, and makes rate comparisons much easier. After sending your information, it gets priced and you are able to buy any or none of the quotes returned.

If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. This process only takes a few minutes and can result in significant savings.

To compare rates using this form now, simply enter your zip code here and input your coverage information. If you currently have coverage, we recommend you replicate the coverage information identical to your current policy. This makes sure you will have an apples-to-apples comparison based on the exact same insurance coverage.

Lower your insurance prices

Smart consumers have a good feel for the different types of things that come into play when calculating your insurance rates. When you understand what controls the rates you pay, this enables informed choices that could help you find lower premium levels.

  • Cheaper prices for prior coverage – Having a lapse in insurance coverage can be a sure-fire way to bump up your insurance costs. In addition to paying higher rates, failure to provide proof of insurance could earn you a steep fine or even jail time. Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • Tickets and citations cost more than a fine – Your driving citation history influences premium rates substantially. Attentive drivers get better rates as compared to those with violations. Having just one citation can bump up the cost by as much as thirty percent. Drivers unfortunate enough to have severe tickets such as hit and run, DWI or reckless driving convictions may face state-mandated requirements to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to drive a vehicle legally.
  • Commute or pleasure use – Driving more miles annually the higher your rate. Most companies charge to insure your cars based upon how you use the vehicle. Vehicles that do not get driven very much get more affordable rates than cars that get driven a lot. Having the wrong rating on your Touareg can result in significantly higher rates. It’s a good idea to make sure your insurance policy states the correct driver usage, because improper ratings can cost you money.
  • Vehicle theft costs us all – Owning a car that has a built-in theft deterrent system can earn a premium discount. Advanced theft deterrents like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping car theft and help bring rates down.

Tailor your insurance coverage to you

When it comes to buying the best insurance coverage, there really is no one size fits all plan. Everyone’s situation is a little different.

For instance, these questions might point out whether your personal situation might need an agent’s assistance.

  • What is high-risk coverage and where do I buy it?
  • When would I need additional glass coverage?
  • Am I covered when pulling a rental trailer?
  • What is the difference between comprehensive and collision coverage?
  • Will my insurance pay for OEM parts?
  • Am I insured when driving a different vehicle?
  • Is my dog or cat covered if injured in an accident?
  • Does my medical payments coverage pay my health insurance deductible?

If you can’t answer these questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, complete your zip code.

Information about specific coverages

Understanding the coverages of your insurance policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and also any damage incurred to your 2018 Volkswagen Touareg.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Usually these coverages are identical to your policy’s liability coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for chiropractic care, doctor visits, EMT expenses and hospital visits. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision coverage will pay to fix damage to your Touareg resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like colliding with a tree, hitting a parking meter and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Auto liability

Liability insurance can cover damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as medical expenses, court costs, repair costs for stationary objects, funeral expenses and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as vandalism, hitting a bird, hail damage, damage from flooding and a broken windshield. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Smart shoppers get results

Affordable 2018 Volkswagen Touareg insurance is available both online as well as from independent agents, and you should compare rates from both in order to have the best price selection to choose from. Some companies do not offer price quotes online and usually these regional insurance providers sell through local independent agencies.

In this article, we presented many tips how you can lower your 2018 Volkswagen Touareg insurance rates. It’s most important to understand that the more companies you get car insurance rates for, the better chance you’ll have of finding the cheapest insurance coverage. Consumers could even find that the biggest savings come from a small mutual company.

Insureds leave their current company for a number of reasons such as being labeled a high risk driver, an unsatisfactory settlement offer, delays in responding to claim requests or extreme rates for teen drivers. Regardless of your reason, finding a new company is pretty easy and you might even save some money in the process.

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