Save Money on Volkswagen Tiguan Insurance in Santa Ana

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Volkswagen Tiguan insurance
Volkswagen Tiguan insurance image courtesy of QuoteInspector.com

Insurance quote for Volkswagen Tiguan in Santa AnaWant to learn how to find the cheapest insurance rates in Santa Ana, CA? Santa Ana shoppers have lots of choices when shopping for the best price on Volkswagen Tiguan insurance. They can either spend hours struggling with agents to get rate comparisons or save time using the internet to make rate comparisons. There are more efficient ways to compare insurance rates and we'll show you the best way to get price quotes for a new or used Volkswagen and locate the lowest price from both online companies and Santa Ana agents.

It's smart to quote other rates periodically because insurance prices fluctuate regularly. Just because you had the best price on Volkswagen Tiguan insurance in Santa Ana six months ago other companies may now be cheaper. Forget all the misinformation about insurance because I'm going to teach you how to quote online to save money, get proper coverage and the best rates.

If you have a current insurance policy or need new coverage, you can use these techniques to lower your rates without sacrificing coverage. These techniques will introduce you to how to compare rates easily and some tricks to saving. Consumers only have to learn the proper way to find the lowest price instantly.

Smart Buyers Know How to Find Car Insurance More Affordably

Smart consumers have a good feel for some of the elements that are used to determine your premiums. If you understand what determines base rates, this allows you to make educated decisions that can help you get cheaper rates. Lots of factors are part of the calculation when quoting car insurance. Some are obvious such as your driving history, but other factors are less apparent like your continuous coverage or how financially stable you are.

The items below are a few of the "ingredients" used by your company to calculate your rate level.

  • Never have car insurance policy lapses - Having a gap between insurance policy dates is a fast way to increase your renewal premiums. In addition to paying higher rates, being ticketed for driving with no insurance might get you a revoked license or a big fine.
  • Pleasure use or commuting - The more miles you rack up on your Volkswagen every year the more you will pay for car insurance. Almost all companies calculate rates determined by how the vehicle is used. Autos not used for work or commuting get more affordable rates than those that get driven frequently. A policy that improperly rates your Tiguan may be wasting your money. It's a smart idea to ensure your car insurance declarations sheet is rated on the correct usage, because it can save money.
  • Safer cars cost less to insure - Safe vehicles are cheaper to insure. Highly rated vehicles result in less severe injuries and fewer serious injuries means less claims paid which can mean better rates for you.

  • Your gender affects costs - Statistics show women tend to be less risk to insure than men. However, this does not mean females are better drivers. Females and males are responsible for fender benders at about the same rate, but men tend to have higher claims. Not only are claims higher, but men get cited for more serious violations such as driving while intoxicated (DWI) or driving recklessly. Males from age 16 to 21 are most likely to cause an accident and therefore pay the highest rates.

    The illustration below shows the difference between Volkswagen Tiguan annual premium costs for male and female drivers. The rate quotes are based on no accidents or driving violations, full coverage, $1,000 deductibles, single marital status, and no discounts are applied.

  • Cautious drivers pay lower premiums - Good drivers have lower premiums than bad drivers. Just one speeding ticket may cause rates to rise substantially. Drivers who have dangerous violations such as DUI or willful reckless driving may face state-mandated requirements to prove financial responsibility with their state in order to prevent a license revocation.

    The illustration below highlights how traffic violations and at-fault collisions can drive up Volkswagen Tiguan annual premium costs for each age group. The costs are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied to the premium.

  • Single drivers take more risk - Having a wife or husband can get you a discount on your car insurance policy. Marriage generally demonstrates drivers are less irresponsible and insurance companies like that married drivers tend to have fewer serious accidents.
  • Your car's features help determine rates - Choosing a vehicle with advanced anti-theft systems can save you a little every year. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your vehicle from being stolen.
  • Do you really need roadside assistance? - Insurance policies have a lot of extra add-on coverages that you can buy if you aren't diligent. Coverages like roadside assistance, towing coverage, and Farm Bureau memberships are examples of these. They may seem like a good idea when buying your policy, but if you have no use for them remove them and pocket the money.

  • Volkswagen Tiguan insurance loss statistics - Insurers analyze the history of losses when setting premium rates. Vehicles that the data determines to have increased losses will have higher rates.

    The table below demonstrates the loss history for Volkswagen Tiguan vehicles. For each insurance policy coverage type, the loss probability for all vehicles, as a total average, is equal to 100. Values under 100 indicate a favorable loss history, while values over 100 show a trend for more claims or a tendency for losses to be larger than average.

    Volkswagen Tiguan Insurance Claim Statistics
    Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Volkswagen Tiguan 4dr 2WD 84 98 67 75 91 89
    Volkswagen Tiguan 4dr 4WD 93 101 85 82 80 90
    BETTER
    AVERAGE
    WORSE

    Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

The auto insurance companies shown below offer free quotes in California. If several companies are displayed, it's a good idea that you visit several of them in order to find the most affordable rates.

Volkswagen Tiguan insurance statistics and information

The coverage information shown below covers a range of insurance rates for Volkswagen Tiguan models. Understanding more about how car insurance prices are figured can be valuable when making smart choices when selecting a coverage provider.

Volkswagen Tiguan Insurance Rates in Santa Ana, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tiguan S 2WD $202 $408 $488 $28 $146 $1,272 $106
Tiguan S 2WD $202 $408 $488 $28 $146 $1,272 $106
Tiguan SE 4Motion AWD $228 $482 $488 $28 $146 $1,372 $114
Tiguan SEL 4Motion AWD $228 $482 $488 $28 $146 $1,372 $114
Get Your Own Custom Quote Go

Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Estimates do not factor in Santa Ana location which can impact premium rates greatly.

The example below shows how choosing a deductible and can increase or decrease Volkswagen Tiguan insurance prices for different ages of insureds. The costs are based on a single female driver, full coverage, and no discounts are applied to the premium.

Why you need insurance for your vehicle

Despite the potentially high cost of Volkswagen Tiguan insurance, car insurance is required in California but also provides important benefits.

  • Just about all states have minimum mandated liability insurance limits which means you are required to carry specific limits of liability coverage in order to drive the car legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
  • If your Volkswagen Tiguan has a lienholder, most banks will force you to have comprehensive coverage to ensure loan repayment if the vehicle is totaled. If you cancel or allow the policy to lapse, the bank may buy a policy for your Volkswagen at an extremely high rate and require you to reimburse them for the much more expensive policy.
  • Insurance protects not only your Volkswagen but also your financial assets. It will also cover many types of medical costs that are the result of an accident. Liability insurance will also pay for a defense attorney if you cause an accident and are sued. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.

The benefits of buying car insurance definitely exceed the cost, especially with large liability claims. According to a 2015 survey, the average American driver is overpaying over $830 a year so you should quote rates at least once a year to be sure current rates are still competitive.

Affordable rates on Volkswagen Tiguan insurance in Santa Ana with these insurance discounts

Auto insurance companies do not list all possible discounts in a way that's easy to find, so the below list has some of the best known and also the more inconspicuous savings tricks you should be using when you buy Santa Ana car insurance online.Save money with discounts

  • Student Discount for Driver Training - Teen drivers should successfully complete driver's ed class as it can save substantially.
  • Air Bag Discount - Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Drive Less and Save - Fewer annual miles on your Volkswagen could earn discounted premium rates on garaged vehicles.
  • New Vehicle Savings - Adding a new car to your policy can get you a discount compared to insuring an older model.
  • Federal Government Employee - Having worked for a branch of the government could cut as much as 10% off with a few insurance companies.
  • Good Grades Discount - Maintaining excellent grades can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Discounts for Cautious Drivers - Drivers who avoid accidents can save up to 40% or more on their Santa Ana car insurance quote compared to rates paid by drivers with frequent claims.

A quick disclaimer, most discount credits are not given to the entire cost. Most only reduce the cost of specific coverages such as comp or med pay. Despite the fact that it seems like you would end up receiving a 100% discount, it just doesn't work that way.

The diagram below shows the difference between Volkswagen Tiguan insurance premiums with and without discounts applied to the policy premium. The costs are based on a male driver, no accidents, no driving violations, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, marriage, multi-car, claim-free, and multi-policy discounts applied.

Popular insurance companies and a selection of discounts are outlined below.

  • GEICO policyholders can earn discounts including multi-vehicle, five-year accident-free, defensive driver, military active duty, good student, and daytime running lights.
  • MetLife offers discounts for good student, defensive driver, multi-policy, claim-free, accident-free, and good driver.
  • Progressive discounts include multi-vehicle, online quote discount, continuous coverage, online signing, multi-policy, homeowner, and good student.
  • Travelers has savings for good student, save driver, early quote, driver training, student away at school, continuous insurance, and IntelliDrive.
  • SAFECO includes discounts for teen safety rewards, bundle discounts, homeowner, safe driver, and accident prevention training.
  • AAA may offer discounts for education and occupation, AAA membership discount, good driver, anti-theft, multi-policy, multi-car, and pay-in-full.

If you want affordable Santa Ana car insurance quotes, ask all companies you are considering which discounts they offer. A few discounts may not be offered in your area. If you would like to choose from a list of insurance companies that offer discounts in California, click this link.

Can't I compare rates from local Santa Ana insurance agents?

Certain consumers just prefer to visit with an insurance agent and doing that can be a smart decision Licensed agents are trained to spot inefficiencies and help in the event of a claim. One of the great benefits of comparing car insurance online is that drivers can save money and get cheap car insurance rates and still choose a local agent.

Find insurance agent in Santa AnaUpon completion of this simple form, your coverage information is instantly submitted to local insurance agents who will give competitive quotes for your car insurance coverage. It's much easier because you don't need to find an agent on your own due to the fact that quote results will go to you directly. If you want to quote rates from a particular provider, just go to their quote page and give them your coverage information.

Deciding on an provider requires you to look at more than just the quoted price. Here are some questions you should ask.

  • How many years of experience in personal auto insurance do they have?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • What company do they have the most business with?
  • Are they able to influence company decisions when a claim is filed?
  • Do the coverages you're quoting properly cover your vehicle?
  • What is their Better Business Bureau rating?
  • Do you qualify for any additional discounts?

If you want a good Santa Ana insurance agent, it's important to understand the types of insurance agents to choose from. Car insurance policy providers are categorized either exclusive agents or independent agents. Both types can properly insure your vehicles, but it is important to understand the difference in the companies they write for since it could factor into buying decisions.

Exclusive Insurance Agents

Exclusive insurance agents have only one company to place business with and examples are Farmers Insurance, Allstate, or State Farm. They are unable to give you multiple price quotes so you might not find the best rates. They are well trained on their company's products which helps overcome the inability to quote other rates. Consumers sometimes use the same agent partially due to the brand rather than low price.

Listed below are exclusive agents in Santa Ana that are able to give price quotes.

View more Santa Ana agents

Independent Agents (or Brokers)

Independent insurance agents can quote rates with many companies and that gives them the ability to insure through lots of different companies and find you cheaper rates. If prices rise, the agent simply finds a different carrier without you having to go to a different agency. If you are comparing rate quotes, you will definitely want to include rate quotes from independent agents to ensure the widest selection of prices. Many can place coverage with smaller regional carriers which may provide better rates.

Listed below are Santa Ana independent agencies who can help you get price quotes.

View more Santa Ana agents

Be persistent and save

Throughout this article, we presented a lot of ways to reduce Volkswagen Tiguan insurance rates online in Santa Ana. The key thing to remember is the more rate quotes you have, the better your comparison will be. You may even be surprised to find that the lowest rates are with some of the smallest insurance companies.

Cheaper Volkswagen Tiguan insurance in Santa Ana can be bought on the web and with local Santa Ana insurance agents, and you should be comparing both to have the best rate selection. Some companies do not offer the ability to get a quote online and these regional carriers only sell through independent agents.

As you go through the steps to switch your coverage, don't be tempted to buy less coverage just to save a little money. In too many instances, an accident victim reduced uninsured motorist or liability limits only to regret at claim time that it was a big mistake. Your aim should be to buy a smart amount of coverage for the lowest price but still have enough coverage for asset protection.

How to find cheaper rates for Volkswagen Tiguan insurance in Santa Ana

Really, the only way to get cheaper Volkswagen Tiguan insurance in Santa Ana is to begin comparing prices regularly from companies in California. Rates can be compared by following these steps.

  1. Learn about how auto insurance works and the changes you can make to prevent high rates. Many rating factors that result in higher prices like traffic citations, accidents, and a substandard credit score can be controlled by being financially responsible and driving safely.
  2. Compare price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only quote rates from a single company like GEICO or Farmers Insurance, while independent agencies can quote rates from multiple companies. Click to view companies
  3. Compare the new rate quotes to your current policy and determine if cheaper Tiguan coverage is available in Santa Ana. If you can save some money and change companies, ensure there is no coverage lapse between policies.
  4. Notify your current company of your decision to cancel your current car insurance policy. Submit payment along with a signed and completed policy application for your new coverage. Once coverage is bound, put the proof of insurance paperwork somewhere easily accessible.

The key thing to know about shopping around is to make sure you're comparing the same deductibles and limits on every price quote and and to get prices from as many companies as feasibly possible. This provides a fair price comparison and a better comparison of the market.

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