Compare Volkswagen Tiguan Insurance Rate Quotes in Virginia Beach

Insurance rates Volkswagen Tiguan in Virginia BeachWant to learn how to save money and find cheaper insurance rates in Virginia Beach, VA? Virginia Beach consumers have a choice when looking for low-cost Volkswagen Tiguan insurance. They can either spend hours contacting agents to compare prices or use the internet to get rate quotes.

There is a better way to find insurance online so you’re going to learn the quickest way to compare rates for a Volkswagen and find the lowest price from Virginia Beach insurance agents and online providers.

If you’re already insured or are just looking to switch companies, use these tips to get lower rates and still have adequate protection. The goal of this article is to teach you how to get online quotes and how to save the most money. Consumers just have to understand the quickest way to compare different rates on the web.

Cutting your Virginia Beach auto insurance rates is pretty simple and can save money. You just need to spend a little time to compare rate quotes to find the company with inexpensive Virginia Beach car insurance quotes.

The companies shown below provide free quotes in Virginia. If you wish to find cheap auto insurance in Virginia, it’s a good idea that you get rates from several of them to get the lowest price.

Analysis of Volkswagen Tiguan rates

The coverage information shown below highlights a range of coverage prices for Volkswagen Tiguan models. Learning how auto insurance premiums are determined is important for making smart choices when purchasing an insurance policy.

Volkswagen Tiguan Insurance Rates in Virginia Beach, VA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tiguan S 2WD $112 $194 $226 $14 $68 $614 $51
Tiguan S 2WD $112 $194 $226 $14 $68 $614 $51
Tiguan SE 4Motion AWD $126 $228 $226 $14 $68 $662 $55
Tiguan SEL 4Motion AWD $126 $228 $226 $14 $68 $662 $55
Get Your Own Custom Quote Go

Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Premium costs do not factor in zip code location which can increase or decrease premium rates greatly.

Policy deductibles

When comparing insurance rates, the most common question is how high should the physical damage coverage deductibles be. The data tables below can help you understand the differences in price when you select higher and lower insurance deductibles. The first price estimate table uses a $250 deductible for physical damage and the second set of rates uses a $500 deductible.

Volkswagen Tiguan insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tiguan S 2WD $198 $336 $218 $12 $66 $855 $71
Tiguan S 2WD $198 $336 $218 $12 $66 $855 $71
Tiguan SE 4Motion AWD $224 $394 $218 $12 $66 $939 $78
Tiguan SEL 4Motion AWD $224 $394 $218 $12 $66 $939 $78
Get Your Own Custom Quote Go

Volkswagen Tiguan insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tiguan S 2WD $162 $270 $218 $12 $66 $728 $61
Tiguan S 2WD $162 $270 $218 $12 $66 $728 $61
Tiguan SE 4Motion AWD $182 $318 $218 $12 $66 $796 $66
Tiguan SEL 4Motion AWD $182 $318 $218 $12 $66 $796 $66
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Premium amounts do not factor in specific garaging location which can modify rates considerably.

We can derive from the above data that using a $250 deductible costs roughly $11 more each month or $132 each year than opting for the higher $500 deductible. Because you would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you normally go at a minimum 23 months between claim filings, you would more than likely save some money if you choose the higher deductible.

How to determine if a higher deductible is a good idea

Average monthly premium for $250 deductibles: $75
Average monthly premium for $500 deductibles (subtract): – $64
Monthly savings from raising deductible: $11
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $11
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

One thing to be aware of is that higher deductibles means you pay more out-of-pocket when you have to file a claim. That will force you to have some available funds in the event you need to pay more for the deductible.

The illustration below shows how choosing a deductible and can raise or lower Volkswagen Tiguan insurance costs for different categories of driver ages. The data assumes a married female driver, comprehensive and collision coverage, and no other discounts are factored in.

Volkswagen Tiguan annual premiums for males versus females

The illustration below shows the difference between Volkswagen Tiguan insurance premiums for male and female drivers. Data assumes a clean driving record, no at-fault accidents, comprehensive and collision coverage, $1,000 deductibles, single status, and no discounts are factored in.

When should I get advice from an insurance agent?

A small number of people would rather buy from a local agent and often times that is recommended Good insurance agents can help you build your policy and help submit paperwork. A nice benefit of price shopping on the web is the fact that drivers can get cheap car insurance rates and still choose a local agent. And buying from local agencies is especially important in Virginia Beach.

Insurance agents in Virginia BeachAfter completing this short form, your insurance data gets sent to participating agents in Virginia Beach that can provide free Virginia Beach car insurance quotes for your car insurance coverage. It makes it easy because there is no need to leave your computer since price quotes are sent straight to your inbox. If you have a need to get a comparison quote from a particular provider, you would need to find their quoting web page and submit a quote form there.

If you want to buy car insurance from an insurance agent, it’s important to understand the types of agencies and how they can service your needs differently. Insurance agencies in Virginia Beach are classified as either independent agents or exclusive agents depending on their employer. Either one can write car insurance policies, but it is important to understand the subtle differences because it can factor into the selection process.

Independent Agents (or Brokers)

Agents in the independent channel often have affiliation with several companies and that gives them the ability to insure with lots of companies enabling the ability to shop coverage around. To move your coverage to a new company, they simply move the coverage in-house and you don’t have to find a new agent. When comparing car insurance rates, it’s a good idea to compare quotes from at least one independent agent to ensure the widest selection of prices. Most can insure with lesser-known insurance companies that may have much lower rates than larger companies.

Below is a partial list of independent insurance agents in Virginia Beach who may be able to give you rate quotes.

More insurance agents

Exclusive Insurance Agencies

Agents in the exclusive channel can only provide pricing for a single company such as State Farm, Allstate and AAA. They usually cannot shop your coverage around so they are skilled at selling on more than just price. Exclusive agents are usually well trained on their company’s products which helps them sell insurance even at higher premiums. Some insured continue to buy from exclusive agents primarily because of loyalty to the company rather than low rates.

Shown below is a short list of exclusive agencies in Virginia Beach who can help you get price quote information.

More insurance agents

Picking the best insurance agent shouldn’t rely on just the price. Any agent in Virginia Beach should have no problem answering these questions:

After receiving acceptable answers to any questions you have and an acceptable price quote, you’ve probably found an auto insurance agent that meets the requirements to properly service your car insurance policy.