Cheap Quotes for Volkswagen Tiguan Insurance in Scottsdale

Want to learn how to buy more affordable car insurance rates in Scottsdale, AZ? Scottsdale buyers have lots of choices when searching for the lowest priced Volkswagen Tiguan insurance. They can either waste time contacting agents to get rate comparisons or save time using the internet to compare rates. There is a right way and a wrong way to shop for car insurance so we’re going to tell you the quickest way to quote coverages on a Volkswagen and locate the best price possible.

It’s amazing but most drivers in Arizona have bought car insurance from the same company for over three years, and just short of a majority have never even compared rates from other companies. U.S. consumers could cut their rates by almost $860 a year just by shopping around, but they don’t invest the time required to do a rate comparison.

If you have a policy now or are looking for a new policy, you can follow these tips to buy cheaper insurance and still get good coverage. The purpose of this post is to instruct you on how to compare rates easily and some money-saving tips. Comparison shoppers just need to use the proper methods to compare rates instantly.

Most companies give prices for coverage on the web. Obtaining pricing for Volkswagen Tiguan insurance in Scottsdale is pretty painless as you simply enter your coverage information into a form. After you complete the form, the company’s rating system collects your driving and credit reports and provides a quote based on the information you submitted.

The ability to get online price quotes for Volkswagen Tiguan insurance in Scottsdale helps simplify price comparisons, and it is imperative to do this in order to find affordable car insurance pricing.

To save time and find out if lower rates are available, compare rates from the companies below. If you have your current policy handy, we recommend you copy deductibles and limits identical to your current policy. Doing this guarantees you will have a price comparison for the exact same coverage.

The companies in the list below can provide price quotes in Arizona. If you want the best cheap auto insurance in Arizona, we suggest you visit several of them to find the most affordable car insurance rates.

Insurance is not optional in Arizona

Despite the potentially high cost of Volkswagen Tiguan insurance, insuring your vehicle serves an important purpose.

• The majority of states have minimum liability requirements which means state laws require a specific minimum amount of liability insurance coverage if you drive a vehicle. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you bought your Volkswagen Tiguan with a loan, it’s most likely the lender will force you to have physical damage coverage to guarantee loan repayment. If you default on your policy, the lender will be forced to insure your Volkswagen at an extremely high rate and require you to reimburse them the higher price.
• Insurance protects both your assets and your Volkswagen Tiguan. It also can pay for hospital and medical expenses for you, your passengers, and anyone else injured in an accident. Liability coverage also pays for attorney fees and expenses if you are sued as the result of your driving. If you have damage to your Volkswagen as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of carrying adequate insurance are without a doubt worth the cost, particularly if you ever have a claim. Today the average American driver is overpaying over $855 a year so it’s recommended you shop around every year to ensure rates are competitive.

Volkswagen Tiguan insurance coverage information

The data table shown below outlines detailed analysis of rate quotes for Volkswagen Tiguan models. Understanding how auto insurance policy rates are determined can aid in making smart choices when comparing insurance quotes.

Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Price estimates do not factor in your specific Scottsdale location which can impact auto insurance rates considerably.

Policy deductible comparison

One common question asked by Scottsdale drivers is where to set your physical damage deductibles. The rates below may help to conceptualize how much more rates are between low and high comp and collision deductibles. The first rate table uses a $100 deductible for physical damage and the second price table uses a $500 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Information does not factor in garaging location in Scottsdale which can affect premiums significantly.

Using the premium rates above, we can conclude that using a $100 deductible will cost in the ballpark of $22 more each month or $264 every year across all Volkswagen Tiguan models than opting for the higher $500 deductible. Due to the fact that you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you go more than 18 months between claims, you would probably be better off if you elect the higher deductible.

The information below illustrates how your choice of deductibles and can change Volkswagen Tiguan annual premium costs for different ages of insureds. The information is based on a married female driver, full physical damage coverage, and no discounts are factored in.

Careless driving habits raise Scottsdale insurance rates

The information below illustrates how speeding tickets and accident claims raise Volkswagen Tiguan insurance rates for different age groups of insureds. The costs are based on a single male driver, comp and collision included, $500 deductibles, and no discounts are applied to the premium.

Insurance cost for men versus women

The diagram below illustrates the difference between Volkswagen Tiguan car insurance costs for male and female drivers. The premiums are based on no driving violations, no at-fault accidents, full coverage, $100 deductibles, single marital status, and no discounts are factored in.

Discounts mean cheaper rates for Volkswagen Tiguan insurance in Scottsdale

Insurance can cost an arm and a leg, but companies offer discounts that could drop your premiums quite a bit. Certain reductions will be credited when you quote, but less common discounts must be requested specifically before you get the savings. If you’re not getting every credit you qualify for, you are paying more than you should be.

• Accident-Free Discounts – Insureds with no claims or accidents can save substantially when compared with drivers who are more careless.
• Theft Prevention Discount – Cars, trucks, and SUVs with anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
• Own a Home and Save – Owning a home in Scottsdale can save a few bucks because maintaining a house shows financial diligence.
• Senior Discount – Mature drivers may be able to get a small decrease in premiums.
• Driving Data Discount – Policyholders that allow driving data submission to analyze driving habits by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm may see discounts if they exhibit good driving behavior.
• Lower Rates for Military – Having an actively deployed family member could qualify you for better premium rates.

As a footnote on discounts, some of the credits will not apply to your bottom line cost. Most only cut the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears having all the discounts means you get insurance for free, you won’t be that lucky.

The diagram below compares Volkswagen Tiguan insurance premiums with and without policy discounts. The costs are based on a male driver, no accidents, no driving violations, Arizona state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, multi-policy, marriage, claim-free, and multi-car discounts applied.

Larger car insurance companies and a summarized list of policyholder discounts can be found below.

• Progressive offers premium reductions for multi-vehicle, multi-policy, online quote discount, continuous coverage, and good student.
• The Hartford includes discounts for bundle, vehicle fuel type, driver training, defensive driver, and air bag.
• Mercury Insurance has savings for anti-theft, multi-car, age of vehicle, multi-policy, and type of vehicle.
• GEICO has discounts for good student, daytime running lights, anti-lock brakes, defensive driver, and anti-theft.
• AAA discounts include multi-policy, multi-car, anti-theft, good student, pay-in-full, education and occupation, and AAA membership discount.
• State Farm offers discounts for student away at school, defensive driving training, Steer Clear safe driver discount, anti-theft, and good driver.

When getting a coverage quote, ask every company how many discounts you can get. All car insurance discounts may not be offered in your area. To see insurance companies who offer discounts in Arizona, follow this link.

When should I talk to an agent?

A small number of people would rather sit down and talk to an agent and that is a smart decision Professional agents are very good at helping people manage risk and help in the event of a claim. One of the benefits of getting free rate quotes online is you can get lower prices and still have an agent to talk to.

To make it easy to find an agent, after completing this short form, the coverage information is transmitted to insurance agents in Scottsdale who will give you bids for your insurance coverage. It’s much easier because you don’t need to contact any insurance agencies since rate quotes are delivered immediately to you. If you have a need to get a rate quote from a particular provider, just navigate to their website and submit a quote form there.

Finding the right insurer requires more thought than just the quoted price. Ask your prospective agent these questions:

• Do they feel the quoted coverages are adequate?
• What company holds the largest book of business for them?
• Is working in the agency their full-time job?
• Are you getting all the discounts the company offers?
• Are aftermarket or OEM parts used to repair vehicles?
• Is there any savings for paying the full premium?

If you would like to find local Scottsdale agents, there are two types of insurance agents from which to choose. Car insurance agencies can be categorized as either exclusive or independent agents depending on their company appointments. Both types can handle car insurance, but it’s good to learn the difference between them since it could factor into the selection process.

Exclusive Insurance Agencies

Agents of this type are contracted to one company and some examples include State Farm or Allstate. They usually cannot provide other company’s prices so they have to upsell other benefits. They are usually well trained on what they offer and that allows them to sell at a higher price point. Consumers frequently buy insurance from these agents mainly due to the prominent brand name and solid financial strength.

Shown below are Scottsdale exclusive agents who may provide you with comparison quotes.

• Jim Wurbel – State Farm Insurance Agent
  10789 N 90th St Ste 101 – Scottsdale, AZ 85260 – (480) 860-1090 – View Map
• Joe Dufek – State Farm Insurance Agent
  5425 E Bell Rd #108 – Scottsdale, AZ 85254 – (602) 493-5300 – View Map
• Brenda Wix – State Farm Insurance Agent
  6401 E Thomas Rd Suite 102 – Scottsdale, AZ 85251 – (480) 994-9200 – View Map

View more Scottsdale agents

Independent Car Insurance Agencies

Independent agents are not employed by any specific company so they can insure your vehicles through many companies and find the cheapest car insurance rates. If your agent finds better pricing, they can switch companies in-house without you having to go to a different agency. When shopping rates, it’s recommended you get quotes from multiple independent agents for the best price selection. Most independent agents also contract with different regional companies that many times have cheaper rates.

Shown below is a short list of independent insurance agents in Scottsdale willing to provide comparison quotes.

• Palomino Insurance Agency
  8889 E Bell Rd – Scottsdale, AZ 85260 – (480) 483-8000 – View Map
• Scottsdale Insurance Home
  20875 N Pima Rd – Scottsdale, AZ 85255 – (480) 712-0400 – View Map
• Leavitt Group – Powers-Leavitt Insurance Agency
  14301 N 87th St Suite 308 – Scottsdale, AZ 85260 – (480) 348-1100 – View Map

View more Scottsdale agents

Best auto insurance company in Scottsdale

Insuring your vehicle with the right auto insurance provider can be rather challenging considering how many different companies there are to choose from in Arizona. The rank data displayed below could help you select which insurers to look at purchasing coverage from.

Top 10 Scottsdale Car Insurance Companies Ranked by Customer Service

1. State Farm
2. GEICO
3. The Hartford
4. Mercury Insurance
5. Progressive
6. The General
7. Allstate
8. AAA Insurance
9. American Family
10. Nationwide

Auto insurance coverages

Learning about specific coverages of a insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy.

Auto collision coverage

This pays for damage to your Tiguan from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like scraping a guard rail, hitting a parking meter and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible on your Tiguan to bring the cost down.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills such as surgery, hospital visits and X-ray expenses. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers you and your occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Comprehensive (Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like rock chips in glass, hitting a deer and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Protection from uninsured/underinsured drivers

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as damage to your Volkswagen Tiguan.

Since many Arizona drivers only purchase the least amount of liability that is required (Arizona limits are 15/30/10), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Auto liability

This provides protection from damages or injuries you inflict on a person or their property in an accident. It protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 15/30/10 which means a limit of $15,000 per injured person, a total of $30,000 of bodily injury coverage per accident, and a limit of $10,000 paid for damaged property.

Liability coverage pays for claims like medical services, repair costs for stationary objects, court costs, loss of income and funeral expenses. How much coverage you buy is your choice, but consider buying higher limits if possible. Arizona requires minimum liability limits of 15/30/10 but it’s recommended drivers buy more coverage.

The next chart demonstrates why buying the state minimum limits may not provide you with enough coverage.

Persistence will pay off

In this article, we covered a lot of techniques to get a better price on Volkswagen Tiguan insurance in Scottsdale. It’s most important to understand that the more you quote Scottsdale car insurance, the higher the chance of saving money. Consumers could even find that the lowest priced car insurance comes from some of the smallest insurance companies.

Some car insurance companies may not provide rates over the internet and these smaller companies work with independent agents. Cheaper car insurance in Scottsdale is available on the web and from local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money.

As you go through the steps to switch your coverage, you should never reduce needed coverages to save money. There have been many situations where someone dropped full coverage only to find out that their decision to reduce coverage ended up costing them more. Your aim should be to purchase plenty of coverage at the best cost and still be able to protect your assets.

Steps to buying affordable Volkswagen Tiguan insurance in Scottsdale

If you want to save the most money, the best way to get affordable car insurance rates in Scottsdale is to start doing a yearly price comparison from providers that sell auto insurance in Arizona.

First, gain an understanding of how companies price auto insurance and the measures you can take to drop your rates. Many things that cause rate increases such as traffic tickets, fender benders, and bad credit can be controlled by paying attention to minor details.

Second, obtain price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from one company like GEICO and State Farm, while agents who are independent can give you price quotes from multiple insurance companies.

Third, compare the new quotes to your current policy premium to see if a cheaper rate is available in Scottsdale. If you can save some money and make a switch, verify that coverage does not lapse between policies.

Fourth, provide notification to your current agent or company to cancel your current policy and submit the completed application along with a down payment to the new company. Once the application is submitted, put the certificate of insurance in an easily accessible location in your vehicle.

A good tip to remember is to use similar coverage information on every quote and and to get rate quotes from as many companies as possible. This provides a fair rate comparison and the best rate selection.

For more information, feel free to visit the following helpful articles:

• Medical Payments Coverage (Liberty Mutual)
• What Insurance is Cheapest for Immigrants in Scottsdale? (FAQ)
• Who Has Cheap Scottsdale Auto Insurance Quotes for a Subaru Impreza? (FAQ)
• How Much are Scottsdale Car Insurance Rates for a Kia Optima? (FAQ)
• Who Has Cheap Auto Insurance for College Students in Scottsdale? (FAQ)
• Who Has Affordable Auto Insurance Rates for Teachers in Scottsdale? (FAQ)
• Event Data Recorders FAQ (iihs.org)
• What is Full Coverage? (Allstate)
• Automakers compete to add autobraking (Insurance Institute for Highway Safety)
• Protect Yourself Against Auto Theft (Insurance Information Institute)