Best Rate Quotes for Volkswagen Tiguan Insurance in San Antonio

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Volkswagen Tiguan insurance policy
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Would you like to stop wasting money and find more affordable Volkswagen Tiguan insurance in San Antonio? No one in their right mind anticipates paying for insurance, particularly when their premiums are through the roof.

Insurance rates Volkswagen Tiguan in San AntonioIt's astonishing, but about 70% of customers have stayed with the same insurance company for at least the last four years, and 38% of drivers have never taken the time to shop around. Drivers in Texas could save approximately $1,800 every year just by comparing rates, but they don't understand how simple it is to compare other rate quotes.

Popular companies such as State Farm, Progressive and GEICO increase brand awareness with ads and consumers find it hard to ignore the propaganda and do the work needed to find the best deal.

Best companies for affordable Volkswagen Tiguan insurance in Texas

The auto insurance companies shown below have been selected to offer comparison quotes in San Antonio, TX. If the list has multiple companies, we suggest you visit two to three different companies in order to get a fair rate comparison.

Analysis of Volkswagen Tiguan rates

The coverage table displayed below outlines estimates of insurance prices for Volkswagen Tiguan models. Being more informed about how insurance prices are determined can be valuable when making decisions on the best policy coverages.

Volkswagen Tiguan Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tiguan S 2WD $226 $412 $304 $18 $92 $1,052 $88
Tiguan S 2WD $226 $412 $304 $18 $92 $1,052 $88
Tiguan SE 4Motion AWD $256 $486 $304 $18 $92 $1,156 $96
Tiguan SEL 4Motion AWD $256 $486 $304 $18 $92 $1,156 $96
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Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Rate information does not factor in zip code location which can alter premium rates greatly.

Higher deductibles save money

One frequently asked question is how high or low should comp and collision deductibles be. The following insurance rates can help illustrate the premium difference of buying low and high insurance deductibles. The first set of rates uses a $250 deductible for physical damage and the second rate chart uses a $500 deductible.

Volkswagen Tiguan insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tiguan S 2WD $294 $496 $324 $20 $96 $1,255 $105
Tiguan S 2WD $294 $496 $324 $20 $96 $1,255 $105
Tiguan SE 4Motion AWD $332 $584 $324 $20 $96 $1,381 $115
Tiguan SEL 4Motion AWD $332 $584 $324 $20 $96 $1,381 $115
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Volkswagen Tiguan insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tiguan S 2WD $240 $400 $324 $20 $96 $1,080 $90
Tiguan S 2WD $240 $400 $324 $20 $96 $1,080 $90
Tiguan SE 4Motion AWD $270 $472 $324 $20 $96 $1,182 $99
Tiguan SEL 4Motion AWD $270 $472 $324 $20 $96 $1,182 $99
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Price estimates do not factor in specific location information which can alter premium rates considerably.

Based on the data above, we can derive that using a $250 deductible could cost the average driver approximately $15 more each month or $180 a year across all Volkswagen Tiguan models than selecting the higher $500 deductible. Because you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you normally go at a minimum 17 months between claims, you would most likely save money by going with a higher deductible.

The illustration below shows how choosing a deductible and can raise or lower 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 additional discounts are factored in.

You may qualify for discounts for Volkswagen Tiguan insurance in San Antonio

Companies that sell car insurance don't always publicize all available discounts very well, so here is a list a few of the more common as well as the least known savings tricks you should be using when you buy San Antonio car insurance online.

  • Multiple Cars - Insuring all your vehicles with one company may reduce the rate for each vehicle.
  • Driver Training Discounts - Taking time to complete a course in defensive driver can save you 5% or more if your company offers it.
  • Discount for Low Mileage - Low mileage vehicles could qualify for lower rates due to less chance of an accident.
  • Claim-Free Discount - Insureds with no claims or accidents pay less in comparison with frequent claim filers.
  • Discounts for New Vehicles - Insuring a new Tiguan can get you a discount because new model year vehicles are generally safer.
  • Air Bags and Passive Restraints - Vehicles with factory air bags or motorized seat belts could see savings of 20 to 30 percent.
  • Life Insurance - Larger insurance carriers have lower insurance rates if you buy auto and life insurance together.
  • Anti-theft System - Anti-theft and alarm system equipped vehicles prevent vehicle theft and that can save you a little bit as well.
  • Professional Organizations - Affiliation with certain professional organizations may earn a discount on your bill.
  • Seat Belts Save - Forcing all vehicle occupants to use their safety belts can save a little off the personal injury premium cost.

A little note about advertised discounts, some credits don't apply to your bottom line cost. Most only cut the price of certain insurance coverages like collision or personal injury protection. So even though you would think it's possible to get free car insurance, companies don't profit that way. But any discount will cut the cost of your policy.

The diagram below compares Volkswagen Tiguan car insurance costs with and without some available policy discounts. The costs are based on a female driver, a clean driving record, no claims, Texas state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, homeowner, claim-free, marriage, and multi-policy discounts applied.

Companies and a partial list of their discounts can be read below.

  • Farm Bureau may have discounts that include multi-policy, renewal discount, youthful driver, multi-vehicle, good student, and 55 and retired.
  • Liberty Mutual includes discounts for exclusive group savings, newly married, safety features, new move discount, and new vehicle discount.
  • State Farm may include discounts for Drive Safe & Save, passive restraint, Steer Clear safe driver discount, anti-theft, good driver, and multiple autos.
  • Auto-Owners Insurance policyholders can earn discounts including student away at school, anti-theft, company car, anti-lock brakes, multi-policy, and multiple vehicles.
  • GEICO offers discounts including emergency military deployment, driver training, military active duty, five-year accident-free, and multi-policy.
  • SAFECO offers premium reductions for anti-theft, teen safe driver, anti-lock brakes, safe driver, bundle discounts, and multi-car.

When quoting, ask all companies you are considering how you can save money. Some of the discounts discussed earlier may not apply everywhere. To see insurers that have a full spectrum of discounts in San Antonio, click here to view.

You may want advice from an insurance agency

Some people would rather talk to a local agent and we recommend doing that One of the benefits of comparing car insurance online is that you can find cheap rate quotes and still have a local agent.

Find insurance agent in San AntonioTo make it easy to find an agent, after completing this quick form, the coverage information is emailed to local insurance agents who want to provide quotes for your coverage. It makes it easy because there is no need to find an agent on your own because prices are sent directly to your email. You'll get the best rates AND an agent nearby. If you need to compare prices for a specific company, you just need to visit that company's website to submit a rate quote request.

Deciding on a insurer needs to be determined by more than just a cheap price quote. The questions below may impact your decision as well.

  • Will they take your side in the event of a claim?
  • How are claims handled?
  • What is their Better Business Bureau rating?
  • Which members of your family are coverage by the policy?
  • Are aftermarket or OEM parts used to repair vehicles?
  • Is coverage determined by price?

When searching for local San Antonio agents, there are two different agency structures and how they work. Agents in San Antonio are classified as either exclusive or independent agents depending on their company appointments.

Exclusive Agencies

Exclusive agents have only one company to place business with and examples are State Farm, Allstate, and Farm Bureau. Exclusive agencies are unable to give you multiple price quotes so if the price isn't competitive there isn't much they can do. They are well trained on their products and sales techniques which helps offset the inability to provide other markets.

Below are exclusive agents in San Antonio willing to provide price quote information.

5890 De Zavala Rd Ste 105 - San Antonio, TX 78249 - (210) 615-7898 - View Map

7863 Callaghan Rd #105 - San Antonio, TX 78229 - (210) 616-0662 - View Map

8015 Bandera Rd #102 - San Antonio, TX 78250 - (210) 680-6557 - View Map

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Independent Agencies or Brokers

Independent agencies do not have single company limitations so as a result can place your coverage with many different companies and find you cheaper rates. If they find a lower price, they simply move your policy to a different company which requires no work on your part.

If you are comparing car insurance prices, we highly recommend that you check rates from several independent insurance agents to get the most accurate price comparison.

The following are San Antonio independent agents that are able to give comparison quotes.

5300 Walzem Rd - San Antonio, TX 78218 - (210) 646-9870 - View Map

A and A Insurance Agency
1317 Castroville Rd - San Antonio, TX 78237 - (210) 434-2311 - View Map

Mesquite Insurance Agency
501 W Quincy St - San Antonio, TX 78212 - (210) 472-3034 - View Map

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Compare insurance rates regularly to save

We covered a lot of information how to lower your Volkswagen Tiguan insurance rates in San Antonio. The most important thing to understand is the more you quote San Antonio car insurance, the better your comparison will be. You may even find the best price on insurance is with some of the lesser-known companies. Regional companies often have lower car insurance rates on specific markets as compared to the big name companies such as Allstate and Progressive.

Cost effective Volkswagen Tiguan insurance can be bought on the web and also from your neighborhood San Antonio agents, so you need to shop San Antonio car insurance with both to have the best chance of lowering rates. A few companies may not offer the ability to get quotes online and most of the time these small, regional companies provide coverage only through independent agents.

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