Cheap 2019 Volkswagen Touareg Insurance Quotes 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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Finding the lowest price insurance coverage on the web may be rather challenging for people that are relatively new to comparing rates and buying insurance coverage online. With so many insurers to choose from, how can drivers effectively compare every company in order to find better rates?

The cheapest insurance coverage quotes online

There are multiple methods to shop for insurance coverage, but one way is less time-consuming than others. You can waste a lot of time driving to insurance companies in your area, or you could save time and use online quoting to get rates in a matter of minutes.

All the larger companies participate in an industry program where insurance shoppers complete one form, and every company returns a competitive quote based on that information. This saves time by eliminating quote requests for each company you want a rate for.

To fill out one form to compare multiple rates now enter your zip code here.

One minor caveat to using this type of form is you are unable to specify which companies you will receive quotes from. If you would rather choose specific providers to compare rates, we put together a list of low cost insurance coverage companies in your area. Click to enter zip code.

Whichever way you use, do your best to enter nearly identical deductibles and coverage limits on every quote you get. If you use mixed coverages it will be very difficult to truly determine the lowest rate. Having just a slight variation in insurance coverages or limits can make a big difference in price. Just keep in mind that comparing all the rates in your area gives you a better chance of getting more affordable rates. Not every company does online rate quotes, so it’s important to also get prices from those companies as well.

Use discounts on auto insurance

Insuring your fleet can be pricey, but you may be missing some discounts that could help you make your next renewal payment. Certain reductions will be credited when you quote, but some must be asked for in order for you to get them. If you are not receiving all the discounts you deserve, you are paying more than you should be.

  • Policy Bundle Discount – If you can bundle your home and auto insurance and insure them with the same company you will save approximately 10% to 15%.
  • Save over 55 – If you qualify as a senior citizen, you could receive a small decrease in premiums on Touareg insurance.
  • Seat Belt Usage – Buckling up and requiring all passengers to buckle up may be able to save a few bucks off PIP or medical payments premium.
  • Renewal Discounts – Some larger companies provide a discount for switching companies early. You may see this discount when you get insurance quotes online.
  • Discounts for Federal Employees – Active or former government employment could provide a small rate reduction on Touareg insurance with some auto insurance companies.
  • Homeowners Discount – Owning a home may earn you a small savings since home ownership requires personal responsibility.

Discounts lower rates, but most discount credits are not given to the entire policy premium. Some only apply to specific coverage prices like medical payments or collision. Despite the appearance that you can get free auto insurance, company stockholders wouldn’t be very happy.

Popular auto insurance companies and a summarized list of policyholder discounts can be found below.

  • State Farm offers premium reductions for anti-theft, Drive Safe & Save, multiple autos, student away at school, and good student.
  • American Family has savings for accident-free, defensive driver, early bird, Steer into Savings, multi-vehicle, and good driver.
  • AAA discounts include multi-policy, good student, AAA membership discount, anti-theft, multi-car, good driver, and education and occupation.
  • GEICO may have discounts that include multi-policy, five-year accident-free, air bags, driver training, and multi-vehicle.
  • Mercury Insurance has discounts for ease of repair, professional/association, location of vehicle, multi-policy, anti-theft, and good student.
  • Farmers Insurance offers discounts including electronic funds transfer, early shopping, homeowner, alternative fuel, bundle discounts, and good student.
  • Progressive may include discounts for good student, multi-policy, multi-vehicle, online signing, continuous coverage, online quote discount, and homeowner.

Before buying, ask each insurance company which discounts you qualify for. Some of the earlier mentioned discounts may not be available in your area. To locate auto insurance companies that offer the discounts shown above, enter your zip code here.

Tailor your insurance coverage to you

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

Here are some questions about coverages that may help you determine whether or not you might need an agent’s assistance.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • If my 2019 Volkswagen Touareg is totaled, can I afford another vehicle?
  • Am I getting all the discounts available?
  • How can I find cheaper teen driver insurance?
  • How much underlying liability do I need for an umbrella policy?
  • Is Motor Club coverage worth it?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and enter your zip code.

Informed drivers can cut their insurance premiums

Many different elements are part of the calculation when premium rates are determined. Some are obvious such as traffic violations, although some other factors are not as apparent like your continuous coverage or your financial responsibility.

The items below are a few of the things insurance coverage companies consider when setting your premiums.

  • Eliminate extra coverages – There are many additional coverages that sound like a good idea at the time if you aren’t diligent. Coverage for things like personal injury protection, accidental death, and membership fees are examples of these. The coverages may be enticing when deciding what coverages you need, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.
  • Gender as a rate factor – Over time, data shows women tend to be less risk to insure than men. However, don’t assume that females are better drivers. Women and men tend to get into fender benders in similar numbers, but guys get into accidents with more damage. Men also statistically get higher numbers of serious violations such as reckless driving.
  • Don’t cancel your policy without a new one in place – Driving your car without having proper coverage is a big no-no and you may have a hard time finding new coverage because you let your insurance coverage expire. Not only will you pay higher rates, being ticketed for driving with no insurance may earn you a steep fine or even jail time.
  • Prices impacted by your city – Residing in smaller towns and rural areas of the country can be a good thing when trying to find low car insurance rates. Lower population means reduced accidents. Drivers in populated areas regularly have more aggressive driving styles and more time behind the wheel. Longer commute distances translates into higher accident risk.
  • Vehicle features impact prices – Buying a car with a theft deterrent system can save you a little every year. Anti-theft devices like OnStar, LoJack tracking, and tamper alarms help track and prevent your car from being stolen.
  • Cheaper rates with high deductibles – Coverage for physical damage, aka comp and collision, covers damage that occurs to your Volkswagen. Some coverage claims are a broken windshield, damage from fire, or theft. Comp and collision deductibles define how much you are willing to pay in the event of a claim. The more money you’re willing to pay, the less money you will pay for insurance coverage on Touareg insurance.

Save 15 percent in 15 minutes? Is it for real?

Popular insurance providers such as 21st Century, Allstate and State Farm seem to constantly run ads on television and other media. All the companies tend to make the same promise about saving some big amount if you just switch your insurance coverage to their company. How is it possible that every company can say the same thing? This is how they do it.

Most companies have a certain “appetite” for the right customer that is profitable for them. A good example of a profitable insured could possibly be over the age of 45, carries high limits, and has a high credit rating. Any person who meets those qualifications receive the lowest rate quotes and will also save money with a new company.

Consumers who don’t qualify for the ideal profile will probably be forced to pay higher rates and the customer buying from someone else. If you pay attention, the ads say “people who switch” not “everybody who quotes” can save as much as they claim. That is how insurance companies can confidently make those claims.

Each company has different criteria, so it’s extremely important to get as many free insurance quotes as possible. It’s just not possible to know which company will have the best prices for your profile.

Auto insurance coverages

Understanding the coverages of your policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and damage to your Volkswagen Touareg.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally the UM/UIM limits are set the same as your liability limits.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, hitting a bird, rock chips in glass and hitting a deer. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto collision coverage

This coverage will pay to fix damage to your Touareg resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as colliding with another moving vehicle, damaging your car on a curb, crashing into a ditch and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Liability insurance

Liability insurance will cover damages or injuries you inflict on other people or property in an accident. This insurance protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as bail bonds, structural damage, legal defense fees and funeral expenses. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for bills for dental work, rehabilitation expenses, hospital visits and doctor visits. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers you and your occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

More comparisons equals lower rates

We just presented a lot of tips how to save on 2019 Volkswagen Touareg insurance. It’s most important to understand that the more times you quote, the better chance you’ll have of finding low cost insurance. Consumers could even find that the lowest priced car insurance comes from a smaller regional carrier.

Drivers leave their current company for many reasons like being labeled a high risk driver, unfair underwriting practices, an unsatisfactory settlement offer and high prices. Whatever your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.

Some insurance companies may not offer the ability to get quotes online and many times these smaller companies prefer to sell through independent agencies. The cheapest 2019 Volkswagen Touareg insurance can be bought on the web and also from your neighborhood agents, so compare prices from both so you have a total pricing picture.

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