Affordable Volkswagen Tiguan Insurance in Aurora

Discount Volkswagen Tiguan insuranceIt’s an obvious assumption that insurance companies don’t want policyholders to compare prices from other companies. Consumers who shop around for a cheaper policy are very likely to switch car insurance companies because there is a great chance of finding a lower-priced policy. Remarkably, a study showed that drivers who routinely compared rates saved an average of $865 a year as compared to drivers who don’t regularly compare prices.

If finding budget-friendly rates on car insurance is your objective, then learning a little about the best way to compare coverages can make it easier for you to save money.

If saving the most money is your goal, then the best way to get the cheapest car insurance rates is to start doing a yearly price comparison from different companies in Aurora.

  1. Try to understand how car insurance works and the things you can control to prevent expensive coverage. Many rating criteria that cause high rates such as at-fault accidents, speeding tickets, and a poor credit score can be controlled by making minor driving habit or lifestyle changes.
  2. Quote rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give rate quotes from one company like Progressive or State Farm, while independent agents can provide prices from many different companies.
  3. Compare the quotes to your existing coverage to see if switching to a new carrier will save money. If you find a better price, ensure there is no coverage lapse between policies.
  4. Provide adequate notice to your current company to cancel the current policy. Submit a completed policy application and payment for the new coverage. Once the paperwork is finalized, place the new certificate verifying proof of insurance in your vehicle.

A valuable tip to remember is that you use identical coverages on each quote and and to analyze as many different insurance providers as possible. Doing this ensures a fair price comparison and and a good selection of different prices.

The purpose of this article is to help you learn the best methods to compare rates and some tips to save money. If you have coverage now, you will be able to get lower rates using these techniques. But Colorado car owners must know the way insurance companies sell insurance online because it can help you find the best coverage.

Detailed insurance information

The price information below outlines a range of coverage prices for Volkswagen Tiguan models. Having a good understanding how rate quotes are established can help you make smart choices when comparing insurance quotes.

Volkswagen Tiguan Insurance Rates in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tiguan S 2WD $212 $388 $286 $16 $86 $988 $82
Tiguan S 2WD $212 $388 $286 $16 $86 $988 $82
Tiguan SE 4Motion AWD $238 $458 $286 $16 $86 $1,084 $90
Tiguan SEL 4Motion AWD $238 $458 $286 $16 $86 $1,084 $90
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Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Information does not factor in the specific area where the vehicle is garaged which can influence auto insurance rates considerably.

Deductible analysis

One frequently asked question is how high should the deductibles for physical damage be. The comparison tables below can help illustrate the price difference of buying low and high physical damage deductibles. The first set of rates uses a $100 physical damage deductible and the second data table uses a $500 deductible.

Volkswagen Tiguan insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tiguan S 2WD $302 $546 $298 $18 $90 $1,279 $107
Tiguan S 2WD $302 $546 $298 $18 $90 $1,279 $107
Tiguan SE 4Motion AWD $342 $644 $298 $18 $90 $1,417 $118
Tiguan SEL 4Motion AWD $342 $644 $298 $18 $90 $1,417 $118
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Volkswagen Tiguan insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tiguan S 2WD $220 $368 $298 $18 $90 $994 $83
Tiguan S 2WD $220 $368 $298 $18 $90 $994 $83
Tiguan SE 4Motion AWD $250 $434 $298 $18 $90 $1,090 $91
Tiguan SEL 4Motion AWD $250 $434 $298 $18 $90 $1,090 $91
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Information does not factor in specific location information which can raise or lower insurance rates considerably.

Based on the data above, we can derive that using a $100 deductible costs approximately $26 more each month or $312 every year across all Volkswagen Tiguan models than quoting the higher $500 deductible. Due to the fact that you would have to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at a minimum 15 months between claims, you would save money if you choose a higher deductible.

How to calculate if higher deductibles make sense

Average monthly premium for $100 deductibles: $113
Average monthly premium for $500 deductibles (subtract): – $87
Monthly savings from raising deductible: $26
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $26
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

The chart below shows how choosing a deductible and can increase or decrease Volkswagen Tiguan insurance premiums for different categories of driver ages. The costs are based on a married male driver, full physical damage coverage, and no discounts are applied to the premium.

Smart Consumers Can Reduce Insurance Rates

Many factors are part of the equation when pricing auto insurance. Most are fairly basic such as your driving history, but other criteria are not as apparent like your vehicle usage or your vehicle rating. An important part of buying insurance is that you know some of the factors that come into play when calculating your policy premiums. When you understand what determines premiums, this empowers consumers to make smart changes that can help you get lower rates.

Aurora auto insurance companies

Buying coverage from a high-quality insurance provider can be a challenge considering how many companies there are in Aurora. The ranking information shown below could help you pick which coverage providers to look at when looking for cheaper rates.

Aurora, Colorado Auto Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies

Shop smart and save

When searching for the cheapest Volkswagen Tiguan rate quotes, don’t be tempted to buy less coverage just to save a little money. There have been many situations where an accident victim reduced full coverage only to discover later that their decision to reduce coverage ended up costing them more. The proper strategy is to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.

Budget-friendly auto insurance in Aurora can be found on the web and from local agencies, and you should compare price quotes from both to have the best rate selection. A few companies do not provide online rate quotes and these small, regional companies prefer to sell through local independent agencies.

We just presented a lot of tips how to get a better price on Volkswagen Tiguan insurance in Aurora. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your prices. You may even discover the best premium rates are with some of the smallest insurance companies. These companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm and Allstate.

More tips and info about auto insurance can be found by following these links: