Do you want to stop overpaying and find the cheapest Volkswagen Tiguan insurance in Seattle? If you are a novice to online car insurance shopping, you can easily be overwhelmed by the vast number of online car insurance companies and websites competing for your business.
It’s hard to fathom, but almost 70% of drivers have been with the same company for a minimum of four years, and 38% of drivers have never quoted rates to find cheap coverage. Seattle drivers could save themselves nearly $400 a year just by comparing rates, but they won’t spend time to compare other rate quotes.
It’s important to compare premium rates before your policy renews since prices fluctuate regularly. Even if you think you had the lowest quotes on Volkswagen Tiguan insurance in Seattle a couple years back the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about car insurance because you’re going to get a crash course in how to use online quotes to lower your annual insurance bill.
Just remember that comparing a wide range of rates provides better odds of finding the best price.
The auto insurance companies shown below offer quotes in Seattle, WA. If multiple companies are shown, we suggest you compare several of them in order to get a fair rate comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tiguan S 2WD | $140 | $242 | $250 | $14 | $76 | $722 | $60 |
| Tiguan S 2WD | $168 | $284 | $258 | $16 | $78 | $804 | $67 |
| Tiguan SE 4Motion AWD | $180 | $376 | $284 | $16 | $84 | $940 | $78 |
| Tiguan SEL 4Motion AWD | $180 | $358 | $264 | $16 | $78 | $896 | $75 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Price estimates do not factor in specific Seattle garaging location which can raise or lower rates greatly.
Choosing deductibles
One frequently asked question is how high should the deductibles for physical damage be. The following insurance rates outline the differences in premium rates between low and high deductibles. The first data table uses a $100 deductible for comprehensive and collision coverage and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tiguan S 2WD | $254 | $458 | $250 | $14 | $76 | $1,077 | $90 |
| Tiguan S 2WD | $254 | $458 | $250 | $14 | $76 | $1,077 | $90 |
| Tiguan SE 4Motion AWD | $286 | $540 | $250 | $14 | $76 | $1,191 | $99 |
| Tiguan SEL 4Motion AWD | $286 | $540 | $250 | $14 | $76 | $1,191 | $99 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tiguan S 2WD | $140 | $242 | $250 | $14 | $76 | $722 | $60 |
| Tiguan S 2WD | $140 | $242 | $250 | $14 | $76 | $722 | $60 |
| Tiguan SE 4Motion AWD | $158 | $284 | $250 | $14 | $76 | $782 | $65 |
| Tiguan SEL 4Motion AWD | $158 | $284 | $250 | $14 | $76 | $782 | $65 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Rate quotes do not factor in specific zip code location which can raise or lower premium rates greatly.
Based on this data, we can arrive at the conclusion that using a $100 deductible costs approximately $32 more each month or $384 every year than quoting the higher $1,000 deductible. Because you would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at least 28 months between claims, you would probably save some money going with the higher deductible. Below is the way you can decide this on your own policy.
| Average monthly premium for $100 deductibles: | $95 |
| Average monthly premium for $1,000 deductibles (subtract): | – $63 |
| Monthly savings from raising deductible: | $32 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $32 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 28 months |
One important note is that a higher deductible level results in a higher out-of-pocket expense when you have to file a claim. That will require some extra funds in order to pay the deductible.
Full coverage rates compared to liability-only
The diagram below visualizes the comparison of Volkswagen Tiguan auto insurance rates with full coverage compared to only the Washington minimum liability coverage. The data is based on no driving violations, no at-fault accidents, $500 deductibles, married female driver, and no other discounts are factored in.
Guidelines for dropping full coverage
There is no exact rule for eliminating full coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is 10% or more of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.
For example, let’s assume your Volkswagen Tiguan replacement cost is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, you would only receive $2,000 after the deductible is paid. If you are currently paying more than $200 annually for physical damage coverage, then it might be time to buy liability only.
There are some scenarios where dropping physical damage coverage is not advised. If you have an outstanding loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should keep full coverage in place.
Why auto insurance is not optional
Despite the high cost of buying insurance for a Volkswagen Tiguan in Seattle, auto insurance serves a purpose in several ways.
First, most states have minimum liability requirements which means it is punishable by state law to not carry specific minimum amounts of liability insurance coverage in order to license the vehicle. In Washington these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if your Volkswagen Tiguan has a loan, most banks will stipulate that you have physical damage coverage to guarantee loan repayment. If you do not pay your insurance premiums, the bank will be required to insure your Volkswagen at a much higher premium rate and force you to pay for it.
Third, auto insurance preserves both your car and your personal assets. Insurance will pay for most medical and hospital costs for both you and anyone you injure as the result of an accident. Liability coverage will also pay for a defense attorney if you are sued as the result of your driving. If mother nature or an accident damages your car, your auto insurance policy will pay to repair the damage.
The benefits of buying auto insurance outweigh the cost, particularly when you have a large claim. According to a 2015 survey, the average American driver overpays more than $825 a year so compare quotes from several companies every year to make sure the price is not too high.
Four Things That Impact Your Insurance Premiums
Smart consumers have a good feel for some of the elements that aid in calculating the level of your policy premiums. When you know what positively or negatively influences your rates, this empowers consumers to make smart changes that can help you get lower rates. Lots of factors are used when you get your auto insurance bill. Some factors are common sense such as your driving history, although others are less obvious such as your marital status and annual miles driven.
The items below are some of the major factors auto insurance companies consider when setting prices.
- Liability protection is critical – Your auto insurance policy’s liability coverage is the coverage that protects you when you are ruled to be at fault for causing personal injury or damage in an accident. Your liability coverage provides for a legal defense which can cost thousands of dollars. Liability insurance is pretty cheap as compared to coverage for physical damage, so drivers should make sure they buy enough to cover all assets.
- Discounts for married couples – Having a spouse actually saves money when shopping for auto insurance. Marriage generally demonstrates drivers are less irresponsible and statistics prove being married results in fewer claims.
- GPS tracking and theft deterrents reduce auto insurance rates – Choosing to buy a car with an alarm system can help lower your premiums. Theft deterrent systems like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems help track and prevent your vehicle from being stolen.
- Drive a fast car, truck or SUV and pay more – The type of car you drive makes a substantial difference in your rates. Since the Volkswagen Tiguan falls in the crossover class, insuring your vehicle will cost slightly more compared to average rates in Seattle. Lower cost passenger vehicles normally have pretty low rates, but the cost you end up paying is determined by many additional factors.
- Insurance loss probability for a Volkswagen Tiguan – Companies analyze historical claim data when setting premium rates. Models that have higher frequency or amount of claims will have increased rates.
The next table illustrates the actual insurance loss data for Volkswagen Tiguan vehicles. For each policy coverage type, the claim amount for all vehicles averaged together is equal to 100. Numbers shown that are under 100 represent a good loss history, while percentages above 100 show a trend for more claims or statistically larger losses.
Volkswagen Tiguan Insurance Claim Statistics
Vehicle 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 Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Determine discounts to get cheap Seattle car insurance rates
Companies that sell car insurance do not advertise every possible discount very clearly, so the list below details some of the best known and the more hidden savings tricks you should be using when you buy Seattle car insurance online.
- Student Discount for Driver Training – Require your teen driver to take driver’s ed class if offered at their school.
- Anti-theft System – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and qualify for as much as a 10% discount.
- E-sign Discounts – A few larger companies will give a small break for buying your policy on your computer.
- Claim Free – Insureds with no claims or accidents pay much less as compared to frequent claim filers.
- Pay Now and Pay Less – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
Don’t be surprised that most of the big mark downs will not be given to all coverage premiums. Most only reduce specific coverage prices like comprehensive or collision. So when it seems like you could get a free car insurance policy, companies wouldn’t make money that way.
Auto insurance companies that may include most of these discounts include:
When getting free Seattle car insurance quotes, it’s a good idea to each company or agent which discounts you qualify for. Some discounts listed above might not apply in Seattle. If you would like to see a list of insurance companies who offer cheap Volkswagen Tiguan insurance quotes in Seattle, click here to view.
Do I just need basic coverages?
When it comes to proper insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s and your insurance should unique, too.
Here are some questions about coverages that can help discover whether your personal situation would benefit from professional advice.
- Does my personal policy cover me when driving out-of-state?
- Should I drop comprehensive coverage on older vehicles?
- Am I getting all the discounts available?
- Is my custom stereo system covered?
- Do I need special coverage while pulling a rented trailer?
- Is my camper covered by my car insurance policy?
- Should I bundle my homeowners policy with my auto?
- How can I get the company to pay a claim?
- What are the liability requirements in my state?
If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier
When to talk to an agent
Some people would rather buy from a licensed agent and that is not a bad decision A nice benefit of comparing auto insurance online is that drivers can save money and get cheap auto insurance rates but also keep your business local.
By using this quick form, your insurance coverage information is immediately sent to agents in your area who can give free rate quotes for your coverage. You won’t even need to leave your computer because prices are sent to you. You’ll get the best rates AND a local agent. In the event you want to compare prices from a specific company, you can always go to their quote page and fill out the quote form the provide.
Selecting an insurance company should include more criteria than just the premium amount. These questions are important to ask:
- Do they offer claims assistance after hours?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Which companies do they recommend if they are an independent agency?
- Does the agent recommend any additional coverage?
- Will the agent help in case of a claim?
- Which companies can they place coverage with?
- Does the company have a solid financial rating?
- Do you work with a CSR or direct with the agent?
Don’t give up on cheaper rates
We’ve covered many tips how you can compare Volkswagen Tiguan insurance car insurance rates in Seattle. The key concept to understand is the more companies you get premium rates for, the more likely it is that you will get a better rate. Drivers may even discover the most savings is with an unexpected company. These companies can often provide lower premium rates in certain areas than the large multi-state companies such as State Farm and Allstate.
When getting Seattle car insurance quotes online, it’s very important that you do not reduce needed coverages to save money. There are many occasions where someone dropped liability limits or collision coverage to discover at claim time that they should have had better coverage. Your aim should be to get the best coverage possible for the lowest cost, but don’t skip important coverages to save money.
Cheaper auto insurance in Seattle is available online as well as from independent agents in Seattle, so you need to quote Seattle car insurance with both to get a complete price analysis. Some companies may not offer online rate quotes and many times these small insurance companies only sell coverage through independent insurance agencies.
For more information, feel free to browse the resources below:
- State Laws for Cellphones and Texting (iihs.org)
- Who Has Affordable Seattle Car Insurance Rates for Low Credit Scores? (FAQ)
- Who Has Cheap Car Insurance for Seniors in Seattle? (FAQ)
- Who Has Cheap Auto Insurance for Low Mileage Drivers in Seattle? (FAQ)
- How Much is Seattle Auto Insurance for a Honda Accord? (FAQ)
- All About Airbag Safety (State Farm)
- Vehicle Safety Ratings (iihs.org)
- Teen Driver Statistics (Insurance Information Institute)