Car Insurance Quotes for a Volkswagen Tiguan in El Paso

Volkswagen Tiguan insurance rates image courtesy of QuoteInspector.com

It takes a few minutes, but the best way to save on Volkswagen Tiguan insurance is to annually compare prices from companies in El Paso. Price quotes can be compared by following these guidelines.

First, read about how companies set rates and the things you can control to keep rates low. Many rating factors that drive up the price like speeding tickets, careless driving and an unacceptable credit score can be eliminated by being financially responsible and driving safely.

Second, request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only quote rates from one company like Progressive or Farmers Insurance, while independent agents can provide prices from multiple sources.

Third, compare the new rate quotes to your existing rates to see if you can save by switching companies. If you can save money and decide to switch, ensure coverage does not lapse between policies.

Fourth, provide notification to your current company of your intention to cancel your current policy and submit a completed policy application and payment for the new policy. Be sure to place your new certificate verifying coverage in your vehicle's glove compartment or console.

One important bit of advice is to try to compare identical limits and deductibles on every price quote and and to analyze as many different companies as possible. This provides a fair rate comparison and a complete rate analysis.

It's a fact that auto insurance companies don't want you to look for cheaper rates. Consumers who shop for lower rates will probably move their business because there is a significant possibility of finding a lower-cost company. A recent study showed that people who routinely compared quotes saved about $70 a month as compared to drivers who never shopped around for cheaper prices.

If finding the lowest price for Volkswagen Tiguan insurance is why you're here, then learning about how to find companies and compare insurance rates can save time and make the process easier.

If you are insured now or want to find a cheaper company, you can use these techniques to find the best rates without reducing protection. Finding more affordable protection in El Paso is not that difficult. Smart shoppers just have to understand how to buy auto insurance online from multiple companies.

Cheapest car insurance in El Paso, TX

The companies shown below are our best choices to provide free quotes in El Paso, TX. If several companies are displayed, it's highly recommended you compare several of them to get a more complete price comparison.

Insurance rate breakdown

The premium information below outlines a range of insurance policy prices for Volkswagen Tiguan models. Understanding more about how rates are determined can be useful when making informed coverage decisions.

Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Table data does not factor in vehicle garaging location which can affect premiums significantly.

Choosing deductibles

One common question asked by El Paso drivers is how high should the physical damage coverage deductibles be. The comparisons below show the differences in price when you buy lower versus higher insurance deductibles. The first rate table uses a $250 comprehensive and collision deductible and the second data table uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Prices do not factor in specific location information which can modify coverage rates greatly.

We can derive from the above data that using a $250 deductible costs roughly $15 more each month or $180 every year averaged for all Tiguan models than opting for the higher $500 deductible. Because you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to go more than 17 months between claim filings, you would probably save some money if you choose a higher deductible.

The information below highlights how deductible choice and can increase or decrease Volkswagen Tiguan insurance prices for each age group. The information is based on a single male driver, comp and collision included, and no discounts are applied.

Should you buy full coverage?

The chart below visualizes the comparison of Volkswagen Tiguan car insurance costs with full physical damage coverage and with liability coverage only. The data is based on no claims or driving violations, $100 deductibles, drivers are single, and no discounts are factored in.

When to drop comp and collision

There is no specific rule of when to drop full coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it's probably a good time to buy liability coverage only.

For example, let's pretend your Volkswagen Tiguan claim settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company will settle for is $7,000 after paying the physical damage deductible. If it's costing you more than $700 a year to have full coverage, then it could be time to drop full coverage.

There are a few cases where dropping physical damage coverage is not a good idea. If you still owe a portion of the original loan, you have to keep full coverage to satisfy the loan requirements. Also, if you don't have enough money to buy a different vehicle if your current one is totaled, you should not eliminate full coverage.

Lower rate quotes by applying discounts

Some insurance providers don't always advertise every possible discount in a way that's easy to find, so the following is a list of a few of the more common and the harder-to-find discounts that may be available. If you are not receiving all the discounts available, you may be paying too high a price.

• Low Mileage Discounts - Low mileage vehicles could qualify for better rates on cars that stay parked.
• Auto/Life Discount - Some insurance carriers give better prices if you take out auto and life insurance together.
• Switch and Save Discount - Some larger companies give discounts for switching policies before your current Tiguan insurance policy expires. The savings is around 10%.
• ABS Braking Discount - Cars, trucks, and SUVs with ABS and/or traction control are much safer to drive and therefore earn up to a 10% discount.
• Save with a New Car - Buying a new car instead of a used Tiguan can cost up to 25% less since newer models have better safety ratings.
• Homeowners Savings - Owning a home in El Paso can save you money due to the fact that maintaining a home demonstrates responsibility.
• Driver's Ed - It's a good idea to have your young drivers enroll and complete driver's education as it will make them better drivers and lower rates.
• Military Rewards - Being deployed in the military may lower your prices slightly.

You can save money using discounts, but most discounts do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, you aren't that lucky. Any amount of discount should help reduce your auto insurance premiums.

The information below illustrates the comparison of Volkswagen Tiguan premium costs with and without discounts applied. The information is based on a male driver, no accidents or driving violations, Texas state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, claim-free, safe-driver, marriage, and homeowner discounts applied.

Larger auto insurance companies and some of the premium reductions they offer can be found below.

• State Farm includes discounts for good driver, passive restraint, defensive driving training, multiple autos, and accident-free.
• Progressive may offer discounts for online signing, online quote discount, multi-policy, continuous coverage, homeowner, and good student.
• Travelers policyholders can earn discounts including save driver, early quote, student away at school, payment discounts, multi-car, and driver training.
• American Family may have discounts that include bundled insurance, air bags, good student, Steer into Savings, defensive driver, and accident-free.
• Liberty Mutual has savings for new vehicle discount, preferred payment discount, multi-policy, exclusive group savings, newly married, and new move discount.

When getting free El Paso car insurance quotes, it's a good idea to each company or agent which discounts can lower your rates. Depending on the company, some discounts may not apply to policies in El Paso. For a list of insurance companies that have a full spectrum of discounts in El Paso, click here to view.

Eight Things That Affect Your Insurance Costs

One of the most helpful ways to save on insurance is to to have a grasp of some of the elements that go into determining your policy premiums. If you know what determines base rates, this empowers consumers to make smart changes that could result in better insurance rates. Lots of things are taken into consideration when premium rates are determined. Some factors are common sense like an MVR report, although others are not quite as obvious such as your marital status or how safe your car is.

Liability insurance risk factors - The liability section of your policy will afford coverage in the event that you are found to be at fault for damages from an accident. It will provide for a legal defense which can cost thousands of dollars. It is affordable coverage as compared to coverage for physical damage, so do not cut corners here.

No insurance claims equals cheap rates - Car insurance companies in Texas provide most affordable rates to policyholders who file claims infrequently. If you tend to file frequent claims, you can expect increased rates or even have your policy non-renewed. Insurance coverage is intended to be relied upon for claims that you cannot pay yourself.

A good credit rating can save money - Having a good credit history factor in calculating your premium rate. Insureds that have excellent credit tend to file fewer claims and have better driving records than those with lower credit ratings. If your credit rating is low, you could save money insuring your Volkswagen Tiguan by taking the time to improve your credit score.

Do males or females drive better? - Statistics show women are more cautious behind the wheel. The data does not necessarily mean that women are better drivers. They both are in fender benders at about the same rate, but males have accidents that have higher claims. Men also statistically get cited for more serious violations like driving under the influence (DUI). Young men ages 16 to 20 cause the most accidents so it costs more to insure them.

The example below illustrates the comparison of Volkswagen Tiguan car insurance rates for male and female drivers. The information is based on no tickets, no at-fault accidents, full coverage, $250 deductibles, marital status is single, and no other discounts are factored in.

Discounts for married couples - Being married helps lower the price on your policy. It generally demonstrates drivers are more mature and responsible and insurance companies reward insureds because married drivers tend to have fewer serious accidents.

How do annual miles impact rates? - Driving a lot of miles in a year the more you will pay for insurance. The majority of insurers calculate prices based on how the vehicle is used. Cars and trucks that do not get driven very much can be on a lower rate level than cars that get driven a lot. An incorrectly rated Tiguan is throwing money out the window. Verify your insurance policy is showing the correct usage for each vehicle.

Obey driving laws and save - How you drive can have a huge impact on auto insurance premiums. Attentive drivers tend to pay less for car insurance compared to bad drivers. Even a single driving citation can bump up the cost by as much as twenty percent. Drivers who get flagrant citations like DUI or willful reckless driving may face state-mandated requirements to file a proof of financial responsibility form (SR-22) with their state's department of motor vehicles in order to prevent a license revocation.

The chart below demonstrates how traffic citations and accident claims can increase Volkswagen Tiguan insurance costs for different insured age categories. The prices are based on a married female driver, full coverage, $100 deductibles, and no additional discounts are factored in.

Insurance is expensive for youthful drivers - More mature drivers tend to be more responsible, cause fewer claims and accidents, and are safer drivers. Youthful drivers are proven to be easily distracted when driving therefore insurance rates are much higher.

The following chart is based on a single driver, full coverage with $100 deductibles, and no discounts or violations.

Claims statistics for a Volkswagen Tiguan - Insurers use historical loss data to help determine rates. Vehicles that are shown to have increased losses will have increased rates.

The next table shows the compiled insurance loss statistics for Volkswagen Tiguan vehicles. For each insurance policy coverage type, the statistical loss for all vehicles, as a total average, is set at 100. Values that are under 100 imply a favorable loss record, while values over 100 show a trend for more claims or an increased probability of a larger loss.

Buying from car insurance agents

A small number of people prefer to go talk to an agent and that is not a bad decision Experienced insurance agents are trained to spot inefficiencies and help you file claims. One of the best bonuses of comparing auto insurance online is that drivers can save money and get cheap rate quotes and still have an agent to talk to.

After filling out this quick form, the coverage information is emailed to local insurance agents who want to provide quotes to get your business. It's much easier because you don't need to find an agent since rate quotes are delivered immediately to you. In the event you want to compare rates from a particular provider, just find their quoting web page and fill out their quote form.

Finding the right provider should include more criteria than just the price. Here are some questions you should ask.

• Which insurance companies are they affiliated with?
• Does the agency have a good rating with the Better Business Bureau?
• Do they assist clients in filing claims?
• Can you get a list of referrals?
• What are their preferred companies if they are an independent agency?
• Do they specialize in personal lines coverage in El Paso?
• Will they make sure you get an adequate claim settlement?
• Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.

Choose the right auto insurance agent

When researching a local insurance agency, it can be helpful to understand the different types of agencies and how they operate. Auto insurance policy providers may be either independent or exclusive depending on the company they work for. Either can properly insure your vehicles, but it's worth mentioning the difference in how they write coverage because it can influence the selection process.

Exclusive Insurance Agents

Exclusive agents normally can only provide a single company's rates and examples are Allstate, State Farm and Farmers Insurance. Exclusive agents cannot provide other company's prices so you need to shop around if the rates are high. Exclusive agents are usually well trained on their company's products which helps offset the inability to provide other markets. Consumers often buy from exclusive agents partially due to the brand legacy and strong financial ratings.

Listed below is a short list of exclusive insurance agents in El Paso that are able to give rate quotes.

• Tessie Maestas - State Farm Insurance Agent
  4727 Hondo Pass Dr b - El Paso, TX 79904 - (915) 757-1090 - View Map
• David Rivas - State Farm Insurance Agent
  4309 Fred Wilson Ave a - El Paso, TX 79904 - (915) 313-4070 - View Map
• Manny M Casillas - State Farm Insurance Agent
  1212 N Yarbrough Dr #105 - El Paso, TX 79925 - (915) 591-2288 - View Map

View more agents

Independent Auto Insurance Agencies

Agents that choose to be independent do not work for one specific company so as a result can place your coverage amongst many companies and help determine which has the cheapest rates. If they find a cheaper price, they simply switch companies in-house and the insured can keep the same agent.

If you are comparing auto insurance prices, we highly recommend that you get quotes from several independent agencies for maximum quote selection. Many can place coverage with different regional companies that many times have cheaper rates.

The following are El Paso independent insurance agents that are able to give price quote information.

• Red Rock Insurance Agency
  9109 Dyer St f - El Paso, TX 79924 - (915) 759-9000 - View Map
• Mount Franklin Insurance Agency
  2931 George Dieter Dr - El Paso, TX 79936 - (915) 599-2900 - View Map
• Nationwide Insurance: Pinon and Associates Financial Corporation
  1515 E Missouri Ave - El Paso, TX 79902 - (915) 857-6890 - View Map

View more agents

If you feel you receive answers to your satisfaction and a low price estimate, it's possible that you found an insurance agent that can be trusted to properly service your auto insurance policy. Keep in mind you are entitled to cancel coverage whenever you choose to so never feel that you are obligated to a policy for the full term.

Ratings for Texas auto insurance companies

Insuring your vehicle with a high-quality car insurance company can be challenging considering how many different companies there are to choose from in El Paso. The company ratings in the lists below can help you decide which car insurance companies to look at to insure your vehicles.

Top 10 El Paso Car Insurance Companies Overall

1. Travelers
2. USAA
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Allstate
7. State Farm
8. The Hartford
9. Safeco Insurance
10. Progressive

Top 10 El Paso Car Insurance Companies Ranked by Customer Service

1. USAA
2. Travelers
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Safeco Insurance
7. Progressive
8. State Farm
9. The Hartford
10. The General

Affordable coverage is out there

Drivers who switch companies do it for a variety of reasons including high rates after DUI convictions, policy non-renewal, questionable increases in premium and even denial of a claim. Regardless of your reason for switching companies, switching insurance companies can be pretty painless.

Budget-conscious Volkswagen Tiguan insurance can be found from both online companies and with local El Paso insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance providers may not provide online rate quotes and many times these smaller companies prefer to sell through independent agents.

When getting El Paso car insurance quotes online, you should never sacrifice coverage to reduce premiums. There are many occasions where consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. The ultimate goal is to get the best coverage possible for the lowest price and still be able to protect your assets.

Even more information is located by following these links:

• Help Your Teen Be a Better Driver (State Farm)
• Car Insurance: When not to Skimp (BankRate.com)
• Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
• Where can I buy Insurance? (Insurance Information Institute)