Best Volkswagen Tiguan Insurance in Jacksonville

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

Insurance for Volkswagen TiguanAre you drained from trying to scrape together enough money to pay your insurance bill each month? You are no different than many other vehicle owners in Florida.

Everyone knows that insurance companies don't want customers comparing rates. Consumers who shop around once a year are inclined to switch insurance companies because of the good chance of finding a lower-priced company. A study showed that drivers who made a habit of comparing rates saved an average of $3,400 over four years compared to other drivers who don't make a habit of comparing rates.

If finding low prices for Volkswagen Tiguan insurance in Jacksonville is your objective, then understanding how to find companies and compare insurance premiums can help simplify the process.

Steps to buying cheaper Volkswagen Tiguan insurance in Jacksonville

Truthfully, the best way to get affordable Volkswagen Tiguan insurance in Jacksonville is to regularly compare quotes from companies who sell auto insurance in Florida.

  1. Try to learn about how companies price auto insurance and the measures you can take to prevent rate increases. Many things that cause high rates like traffic citations and your credit history can be rectified by making minor changes to your lifestyle. Continue reading for instructions to help keep prices low and find additional discounts you may qualify for.
  2. Request price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can give quotes from a single company like Progressive or Allstate, while agents who are independent can give you price quotes from multiple insurance companies.
  3. Compare the price quotes to your current policy to see if cheaper Tiguan coverage is available. If you find a lower rate, ensure there is no coverage lapse between policies.
  4. Give notification to your current company to cancel your current policy. Submit payment and a completed application to your new company or agent. When you receive it, place your new certificate verifying proof of insurance above your visor, in the console, or in the glove compartment.

A crucial key to this process is to try to use identical limits and deductibles on each quote request and and to get price estimates from as many companies as feasibly possible. Doing this provides a level playing field and the best price quote selection.

Due to the large number of different company options, it can be impossible to choose the most affordable insurance provider.

You need to quote other rates yearly because prices fluctuate regularly. Just because you had the best rates on Volkswagen Tiguan insurance in Jacksonville at your last renewal the chances are good that you can find a lower premium rate today. Forget all the misinformation about insurance because we're going to demonstrate one of the easiest ways to find the best coverage while lowering your premiums.

Where can I get low cost Jacksonville Volkswagen Tiguan insurance?

Most of the larger companies like State Farm and Allstate give coverage price quotes from their websites. Getting quotes for Volkswagen Tiguan insurance in Jacksonville is pretty painless as you just enter the coverages you want as requested by the quote form. When the form is submitted, the quote system obtains your driving and credit reports and returns pricing information determined by many factors. This makes it simple to compare prices and it's very important to do this if you want to find the best rate on car insurance.

To compare pricing, compare quotes from the companies shown below. If you currently have coverage, we recommend you copy the limits and deductibles as shown on your current policy. Doing this guarantees you will have rate comparison quotes for the exact same coverage.

The car insurance companies shown below have been selected to offer quotes in Florida. If multiple companies are listed, we suggest you visit several of them to get the cheapest price.

Analysis of coverages

The premium table displayed below showcases a range of insurance prices for Volkswagen Tiguan models. Understanding how insurance rates are determined can help drivers make informed decisions.

Volkswagen Tiguan Insurance Rates in Jacksonville, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tiguan S 2WD $316 $624 $430 $26 $128 $1,524 $127
Tiguan S 2WD $316 $624 $430 $26 $128 $1,524 $127
Tiguan SE 4Motion AWD $356 $736 $430 $26 $128 $1,676 $140
Tiguan SEL 4Motion AWD $356 $736 $430 $26 $128 $1,676 $140
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Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Estimates do not factor in your specific Jacksonville location which can increase or decrease prices significantly.

Physical damage deductible comparison

When shopping for auto insurance, a common question is where to set your physical damage deductibles. The figures shown below may help to illustrate the rate difference when you select higher and lower physical damage deductibles. The first set of rates uses a $100 deductible for comprehensive and collision coverage and the second price grid uses a $500 deductible.

Volkswagen Tiguan insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tiguan S 2WD $358 $648 $354 $20 $106 $1,511 $126
Tiguan S 2WD $358 $648 $354 $20 $106 $1,511 $126
Tiguan SE 4Motion AWD $406 $764 $354 $20 $106 $1,675 $140
Tiguan SEL 4Motion AWD $406 $764 $354 $20 $106 $1,675 $140
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Volkswagen Tiguan insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tiguan S 2WD $262 $438 $354 $20 $106 $1,180 $98
Tiguan S 2WD $262 $438 $354 $20 $106 $1,180 $98
Tiguan SE 4Motion AWD $296 $516 $354 $20 $106 $1,292 $108
Tiguan SEL 4Motion AWD $296 $516 $354 $20 $106 $1,292 $108
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Price estimates do not factor in specific location information which can revise coverage rates considerably.

We can derive from the above data that using a $100 deductible will cost you roughly $30 more each month or $360 a year than requesting the higher $500 deductible. Since the policyholder would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you normally average at a minimum 13 months between claim filings, you would more than likely save some money if you decide on a higher deductible.

Calculate deductible break even point

Average monthly premium for $100 deductibles: $133
Average monthly premium for $500 deductibles (subtract): - $103
Monthly savings from raising deductible: $30
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $30
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

One thing to note is that increasing deductibles to lower your rates means you will have to pay more of your own money when you do file a claim. That will necessitate enough money in the bank in the event you have to pay more for the deductible.

What Determines Volkswagen Tiguan Insurance Rates?

It's important that you understand the different types of things that go into determining the level of your policy premiums. If you have a feel for what influences your rates, this empowers consumers to make smart changes that can help you get lower premium levels.

Discounts for alarms and GPS tracking - Selecting a car model with a theft deterrent system can help lower your rates. Advanced theft deterrents like GM's OnStar, tamper alarm systems and vehicle immobilizers all help prevent car theft and help bring rates down.

Men pay higher costs - Over time, data shows females are less aggressive when driving. This data doesn't prove that women are BETTER drivers than men. Males and females cause accidents in similar percentages, but the men have accidents that have higher claims. Men also statistically have more aggressive citations like reckless driving and DUI. Male teenagers have the highest risk to insure and therefore have the most expensive auto insurance rates.

The illustration below shows the comparison of Volkswagen Tiguan insurance prices for male and female drivers. The price estimates are based on a clean driving record, no claims, comprehensive and collision coverage, $250 deductibles, marital status is single, and no discounts are applied to the premium.

Never let your auto insurance policy lapse - Driving any period of time without insurance can get you a ticket and you will pay a penalty because you let your insurance lapse for non-payment. Not only will rates go up, the inability to provide proof of insurance may earn you a steep fine or even jail time. You may need to prove you have insurance by filing a SR-22 with the Florida motor vehicle department.

Save money by having multiple policies - Lots of companies apply discounts to insureds who consolidate policies with them. It's known as a multi-policy discount. Even if you already get this discount, it's in your best interest to comparison shop to guarantee you are still saving the most.

Only buy what you need - There are many add-on coverages that can add up if you aren't diligent. Things like rental car coverage, towing, and extra life insurance coverage are examples of these. They may seem good at first, but if you don't need them remove them from your policy.

Don't skimp on liability protection - Liability coverage is the protection in the event that you are found to be at fault for damages from an accident. Liability provides you with a defense in court starting from day one. This coverage is very inexpensive compared to comp and collision, so do not cut corners here.

Job reflects on rates - Do you work in a high-stress field? Jobs such as judges, executives, and medical professionals generally have higher premium rates because of high stress and incredibly demanding work hours. Other jobs such as scientists, athletes and performers generally pay rates lower than average.

Older drivers pay less - Beginning drivers in Florida are proven to be more careless when at the wheel of a vehicle and because of this, their auto insurance rates are much higher. Older, more experienced drivers tend to be more responsible, are lower risk to insure, and receive fewer citations.

The next chart uses these variables: single driver, full coverage with $500 deductibles, and no discounts or violations.

Insurance loss data for a Volkswagen Tiguan - Companies take into consideration historical loss data for every vehicle when they set coverage costs for each model. Models that are shown to have higher number or severity of losses will cost more to insure.

The data below shows the insurance loss data used by companies for Volkswagen Tiguan vehicles. For each policy coverage, the statistical loss for all vehicles averaged together is considered to be 100. Numbers shown that are under 100 suggest a better than average loss history, while values over 100 indicate a higher chance of having a claim or larger claims.

Car Insurance Loss Data for Volkswagen Tiguan Models
Make and 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

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Here's why insurance is not optional

Despite the fact that insurance is not cheap in Jacksonville, insuring your vehicle serves an important purpose.

  • The majority of states have compulsory liability insurance requirements which means state laws require a minimum amount of liability coverage if you want to drive legally. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If you bought your Volkswagen Tiguan with a loan, most lenders will force you to have comprehensive coverage to ensure the loan is repaid in case of a total loss. If you default on your policy, the bank or lender will purchase a policy for your Volkswagen at a significantly higher premium and make you pay for it.
  • Insurance protects both your car and your assets. It will also pay for most medical and hospital costs for not only you but also any passengers injured in an accident. Liability coverage, the one required by state law, will also pay to defend you in the event you are sued. If you have damage to your Volkswagen as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.

The benefits of buying enough insurance definitely exceed the price paid, especially when you need to use it. The average driver in Florida is wasting up to $865 each year so it's important to compare rates at least once a year to make sure the price is not too high.