How to Save on Volkswagen Touareg Insurance in Scottsdale

How long has it been since you sat down and looked for cheaper Volkswagen Touareg insurance in Scottsdale? Think you have an overpriced car insurance policy? Trust us, many consumers are feeling buyer’s remorse and feel like there’s no way out.

Insurance for Volkswagen TouaregIt’s an obvious conclusion that car insurance companies don’t want you shop around. People who shop around for the cheapest rate will most likely buy a different policy because there is a great chance of finding more affordable rates. A recent study showed that drivers who compared price quotes annually saved approximately $3,400 over four years as compared to drivers who never compared prices.

If finding budget-friendly rates on auto insurance is your objective, then having some knowledge of how to get free comparison quotes and analyze coverages can help simplify the task of finding more affordable coverage.

Big-name insurance companies like Allstate and Progressive all claim big savings with fancy advertisements and it can be hard to ignore the propaganda and effectively compare rates to find the best deal.

You should take the time to compare rates on a regular basis because car insurance prices change regularly. Just because you found the best rate on Volkswagen Touareg insurance in Scottsdale on your last policy there is a good chance you can find better premium rates now. There is a lot of bad information regarding Touareg insurance online but by reading this article, you’re going to learn a lot of great tips on how to quit paying high car insurance rates in Scottsdale.

Best companies for Volkswagen Touareg insurance

The companies shown below provide quotes in Arizona. In order to find cheap auto insurance in Scottsdale, we suggest you visit two to three different companies to get the best price comparison.

Rates and data analysis

The data table below covers different insurance policy prices for Volkswagen Touareg models. Having knowledge of how car insurance prices are calculated can assist in making smart policy decisions.

Volkswagen Touareg Insurance Rates in Scottsdale, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Touareg 3 Turbo Diesel AWD 4-Dr $228 $450 $288 $18 $86 $1,070 $89
Touareg 3.6 AWD 4-Dr $228 $450 $288 $18 $86 $1,070 $89
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Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Prices do not factor in specific zip code location which can alter auto insurance rates greatly.

Where to set your deductibles

One common question asked by Scottsdale drivers is how high should the physical damage coverage deductibles be. The comparisons below may help you to understand the costs and benefits between low and high deductibles. The first rate quote example uses a $250 deductible for physical damage and the second rate table uses a $1,000 deductible.

Volkswagen Touareg insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Touareg 3 Turbo Diesel AWD 4-Dr $292 $530 $300 $18 $90 $1,255 $105
Touareg 3.6 AWD 4-Dr $292 $530 $300 $18 $90 $1,255 $105
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Volkswagen Touareg insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Touareg 3 Turbo Diesel AWD 4-Dr $180 $334 $300 $18 $90 $922 $77
Touareg 3.6 AWD 4-Dr $180 $334 $300 $18 $90 $922 $77
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Estimates do not factor in Scottsdale location which can decrease or increase insurance rates substantially.

Based on the above data, using a $250 deductible would cost the average driver about $28 more each month or $336 annually than buying the higher $1,000 deductible. Since you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to have more than 27 months between claims, you would probably save some money if you choose the higher deductible. The table below illustrates a better example of how this calculation is made.

Average monthly premium for $250 deductibles: $105
Average monthly premium for $1,000 deductibles (subtract): – $77
Monthly savings from raising deductible: $28
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $28
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 27 months

One important issue to know is that raising deductibles to get cheaper rates means you pay more out-of-pocket when you file a claim. You should have some extra savings in the event you need to pay the higher deductible.

The diagram below highlights how deductible selection and can impact Volkswagen Touareg annual premium costs for each different age group. The rate quotes are based on a married male driver, full physical damage coverage, and no other discounts are factored in.

Should you buy full coverage?

The chart below compares Volkswagen Touareg yearly insurance costs with and without full coverage. The costs are based on a clean driving record, no at-fault accidents, $500 deductibles, drivers are not married, and no discounts are taken into consideration.

Guidelines for dropping full coverage

There isn’t a written rule for excluding comp and collision coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than around 10% of the replacement cost minus the deductible, then it might be time to buy liability only.

For example, let’s assume your Volkswagen Touareg book value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company will settle for is $2,000 after the deductible is paid. If you are paying in excess of $200 a year for comprehensive and collision coverage, then you may need to consider dropping full coverage.

There are some circumstances where dropping physical damage coverage is not a good plan. If you still owe money on your vehicle, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should maintain full coverage.

Slash rates with these discounts

Car insurance companies do not list every policy discount very clearly, so the list below contains a few of the more well known and also the more inconspicuous discounts that you can inquire about if you buy Scottsdale auto insurance online.Save money with discounts

Discounts lower rates, but most discounts do not apply to the entire policy premium. Most cut the cost of specific coverages such as comprehensive or collision. So when it seems like all the discounts add up to a free policy, you won’t be that lucky. But any discount will cut your policy premiums.

The chart below shows the comparison of Volkswagen Touareg premium costs with and without discounts applied to the premium. The data is based on a male driver, no violations or accidents, Arizona state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, homeowner, multi-policy, safe-driver, and claim-free discounts applied.

A list of car insurance companies and their offered discounts are:

If you are trying to find low cost Scottsdale auto insurance quotes, ask all companies you are considering which discounts you may be entitled to. Discounts may not be offered in your area. To find car insurance companies with discount rates in Scottsdale, click here.

Lower Your Scottsdale Insurance Rates

Many things are used in the calculation when you quote your car insurance policy. Most are fairly basic such as your driving record, but some are not as apparent like where you live or your vehicle rating. An important part of buying insurance is that you know a few of the rating criteria that go into determining your policy premiums. If you have some idea of what controls the rates you pay, this enables informed choices that will entitle you to lower car insurance prices.

Getting married is a good thing – Having a significant other can get you a discount when buying car insurance. Marriage may mean you are more financially stable and insurance companies like that being married results in fewer claims.

Safer occupants lowers rates – Vehicles with good safety scores are cheaper to insure. Vehicles engineered for safety have better occupant injury protection and better occupant protection translates into fewer and smaller insurance claims and more competitive rates for policyholders.

Put fewer miles on your vehicle – The more you drive every year the higher your rate. The majority of insurers calculate prices partially by how you use the vehicle. Vehicles that are left in the garage qualify for better rates compared to those used for work or business. Incorrect rating for your Touareg is just wasting money. Double check that your car insurance policy is rated on how each vehicle is driven.

File policy claims and pay more – If you file claims often, you can expect higher rates. Companies in Arizona provide discounts to people who are claim-free. Auto insurance is intended for larger claims.

Never let your coverage expire – Having a gap between insurance policy dates is a fast way to increase your rates. Not only will rates go up, not being able to provide proof of insurance may earn you a fine, jail time, or a revoked license.

Don’t skimp on liability coverage – Your car insurance policy’s liability coverage will afford coverage in the event that you are determined to be liable for causing damage or personal injury in an accident. It provides you with a defense in court which can cost thousands of dollars. This coverage is relatively inexpensive when compared to the cost of physical damage coverage, so do not cut corners here.

Volkswagen Touareg statistical loss data – Auto insurance companies factor in insurance loss information when they file their rates in each state. Models that statistically have increased claim numbers or amounts will have higher rates for specific coverages. The information below illustrates the historical insurance loss data for Volkswagen Touareg vehicles.

For each policy coverage type, the statistical loss for all vehicles combined as an average is a value of 100. Percentage values below 100 imply a favorable loss record, while values that are 100 or greater point to more frequent losses or tendency to have higher losses.

Volkswagen Touareg Insurance Claim Statistics
Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Volkswagen Touareg 4dr 4WD 131 115 133 56 65 87

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

When to get advice from an insurance agent

Some people prefer to talk to an insurance agent and that is not a bad decision One of the great benefits of comparing insurance prices online is that you can find better rates but still work with a licensed agent.

Scottsdale insurance agentsFor easy comparison, once you complete this quick form, your coverage information is instantly submitted to agents in your area who will return price quotes for your car insurance coverage. There is no need to do any legwork because prices are sent immediately to you. You’ll get the best rates without the usual hassles of price shopping. If for some reason you want to compare rates from a specific company, you can always navigate to their website and fill out their quote form.

Finding the right insurance company is decision based upon more than just the premium amount. Some important questions to ask are:

If you want to use a reputable insurance agent or broker, it’s important to understand the different types of agents and how they work. Scottsdale agents are classified as either independent agents or exclusive agents depending on their employer.

Exclusive Car Insurance Agents

Agents that choose to be exclusive can only quote rates from one company such as State Farm, AAA, and Liberty Mutual. Exclusive agencies are unable to provide prices from multiple companies so you might not find the best rates. Exclusive agencies are very knowledgeable in insurance sales which helps them sell insurance even at higher premiums.

Shown below are Scottsdale exclusive insurance agents that are able to give price quote information.

7336 E Deer Valley Rd #105Scottsdale, AZ 85255(480) 585-3665View Map

John Collins – State Farm Insurance Agent
8140 E Cactus Rd Ste 700Scottsdale, AZ 85260(602) 466-3100View Map

7505 E 6th Ave Ste 204Scottsdale, AZ 85251(480) 588-6456View Map

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Independent Agents (or Brokers)

Agents that elect to be independent do not work for one specific company and that is an advantage because they can write policies with an assortment of companies and find you the best rates. If they find a cheaper price, your agent can just switch to a different company and you don’t have to switch agencies. If you need lower rates, you will definitely want to get several quotes from at a minimum one independent agency to maximize your price options.

Below are independent insurance agents in Scottsdale willing to provide price quote information.

8700 E Pinnacle Peak Rd # 110Scottsdale, AZ 85255(480) 515-5223View Map

5425 E Bell RdScottsdale, AZ 85254(480) 214-3544View Map

14301 N 87th St Suite 308Scottsdale, AZ 85260(480) 348-1100View Map

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Smart consumers save more

Lower-priced Volkswagen Touareg insurance in Scottsdale is available both online and from local insurance agents, so you need to quote Scottsdale auto insurance with both in order to have the best chance of saving money. Some companies don’t offer online quoting and these small, regional companies work with independent insurance agencies.

As you prepare to switch companies, it’s a bad idea to buy poor coverage just to save money. There have been many cases where an insured cut liability limits or collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible at the lowest possible cost but still have enough coverage for asset protection.

How to find cheaper quotes for Volkswagen Touareg insurance in Scottsdale

The preferred way to find lower priced Volkswagen Touareg insurance is to make a habit of comparing prices annually from insurance carriers in Scottsdale.

An important bit of advice to remember is to compare identical deductibles and limits on every quote request and and to look at every company you can. This provides a fair rate comparison and a complete price analysis.

Much more information about car insurance in Arizona is located at the links below