How Much Does 2023 Volkswagen Taos Car Insurance Cost 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: Mar 28, 2024

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Are you drained from robbing Peter to pay Paul to buy insurance coverage? You have the same problem as the majority of other drivers. There is such a variety of insurance companies to buy insurance from, and even though it’s nice to have multiple companies, it makes it harder to compare rates and find the lowest cost insurance coverage.

Pricing the lowest cost protection is easy if you know what you’re doing. If you are insured now or are just looking to switch companies, you can use these techniques to get lower rates while maintaining coverages. Vehicle owners only need to know how to shop over the internet.

Insurance coverage quotes comparison

Effectively comparing insurance coverage prices can be exhausting if you don’t utilize the most efficient way to do it. You can spend your afternoon driving to insurance agencies in your area, or you can utilize online quoting to accomplish the same thing much quicker.

Many of the larger companies participate in a marketplace where insurance shoppers only type in their quote data once, and every company then gives them pricing based on the submitted data. This system prevents you from having to do quote forms to each individual insurance coverage company.

To participate in this free quote system, enter your zip code here.

The only downside to getting quotes like this is that you can’t choose the insurers you want pricing from. If you wish to select from a list of companies for rate comparison, we have assembled a list of companies who write insurance coverage in your area. Click to enter zip code.

You can use whichever method you prefer to find lower rates, just ensure you are comparing the exact same coverages for each comparison quote. If each company quotes different data you will not be able to decipher which rate is best.

Can you really save if you switch?

Consumers get pounded daily by advertisements that claim the best rates from companies such as 21st Century, Allstate and State Farm. They all seem to say the same thing about how much you will save if you get a free auto insurance quote and switch your coverage.

How does each company claim to save you money? Just pay attention to how they say it.

Insurance companies quote their cheapest rates for the driver that will be a good risk. An example of a profitable insured should be between the ages of 30 and 45, has no claims, and has excellent credit. Any driver who fits those characteristics receives the best rates and have a good chance to save when they switch companies.

Potential customers who may not quite match these standards will be charged higher premiums with the end result being the prospect going elsewhere. The trick is to say “people that switch” not “everyone who quotes” can get the lowest rates when switching. That’s the way companies can advertise the savings.

Because of these techniques, you need to do a rate comparison at every renewal. You cannot predict which company will have better car insurance rates than you’re paying now.

Insurance coverage policy discounts

Companies don’t always publicize every discount available in an easy-to-find place, so the next list breaks down some of the more common and the more hidden discounts that you may qualify for.

  • Active Military Service – Being on active deployment in the military could trigger a small discount.
  • Memberships – Joining qualifying employment or professional organizations can get you a small discount on your policy.
  • Low Mileage – Maintaining low annual mileage can earn better insurance coverage rates on cars that stay parked.
  • Renewal Discounts – A few companies offer discounts for switching to them prior to your current policy expiration. This discount can save up to 10%.
  • Safety Course Discount – Successfully completing a course in defensive driver may get you a small discount and easily pay for the cost of the class.
  • Good Grades Discount – Getting good grades can be rewarded with saving of up to 25%. Many companies even apply the discount to college students well after school through age 25.

While discounts sound great, it’s important to understand that some of the credits will not apply to your bottom line cost. Most only cut individual premiums such as medical payments or collision. Just because you may think having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy. But all discounts should definitely cut the amount you have to pay.

Companies that have these discounts may include but are not limited to:

  • 21st Century
  • State Farm
  • AAA
  • Liberty Mutual
  • Progressive

When quoting, ask each company or agent which discounts they offer. Some of the earlier mentioned discounts might not be offered in your area.

How do I know if I need professional advice?

When it comes to choosing proper insurance coverage, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions might point out whether or not you will benefit from professional help.

  • Am I covered if my car is in a flood?
  • I have a DUI can I still get coverage?
  • How do I file an SR-22 for a DUI in my state?
  • Do I benefit by insuring my home with the same company?
  • Does liability extend to a camper or trailer?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Is my teenager covered with friends in the car?
  • What should my uninsured motorist coverage limits be in my state?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, complete your zip code. It is quick, free and can provide invaluable advice.

Car insurance 101

Learning about specific coverages of a car insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Car insurance terms can be impossible to understand and reading a policy is terribly boring. Shown next are the usual coverages available from car insurance companies.

Comprehensive insurance – This 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 claims such as rock chips in glass, a broken windshield and hail damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage kick in for expenses for things like hospital visits, X-ray expenses and rehabilitation expenses. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Collision – Collision insurance pays to fix your vehicle from damage from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like backing into a parked car, rolling your car, driving through your garage door, colliding with another moving vehicle and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability coverages – This coverage will cover damage or injury you incur to people or other property. It protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Another option is a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers claims such as structural damage, medical services, attorney fees and court costs. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.

Compare but don’t skimp

Some insurance companies don’t offer rates over the internet and many times these regional insurance providers provide coverage only through independent agents. Affordable 2023 Volkswagen Taos insurance can be bought online as well as from independent agents, and you need to price shop both to have the best rate selection.

As you shop your coverage around, never buy lower coverage limits just to save a few bucks. There have been many situations where someone dropped collision coverage and learned later that the small savings ended up costing them much more. The ultimate goal is to buy enough coverage for the lowest price, but don’t skip important coverages to save money.

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