Would you like an easy way to compare lower-priced Volkswagen Touareg insurance in Fort Collins? Finding cheaper premium rates on Volkswagen Touareg insurance in Fort Collins is very difficult for people not familiar with comparing prices online. With such a large number of agents and insurers available, it can be a difficult mission to find more affordable premium rates on Volkswagen Touareg insurance.
Astonishing but true, a large majority of consumers have purchased from the same company for at least the last four years, and nearly the majority have never shopped around. The average driver in the U.S. could pocket about 47% a year by just comparing quotes, but most undervalue the actual amount they would save if they just switched companies.
Smart consumers take time to price shop coverage on a regular basis since prices change regularly. Even if you got the best deal on Volkswagen Touareg insurance in Fort Collins six months ago other companies may now be cheaper. Block out anything you think you know about auto insurance because it's time to teach you the tricks you need to know to find lower rates on auto insurance.
Just keep in mind that obtaining a wide range of quotes increases your odds of finding more affordable rates. Not every company does online rate quotes, so it's necessary to compare price estimates from the smaller companies as well.
The companies in the list below are ready to provide quotes in Colorado. If several companies are displayed, we suggest you compare several of them in order to find the most affordable rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Touareg 3 Turbo Diesel AWD 4-Dr||$182||$402||$396||$24||$118||$1,122||$94|
|Touareg 3.6 AWD 4-Dr||$364||$836||$456||$28||$136||$1,820||$152|
|Get Your Own Custom Quote Go|
Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Table data does not factor in vehicle location which can change auto insurance rates noticeably.
Does it make sense to buy full coverage?
The information below shows the difference between Volkswagen Touareg auto insurance costs with full coverage and liability only. The premiums are based on no accidents or driving violations, $250 deductibles, married female driver, and no discounts are applied to the premium.
When to drop full coverage
There is no exact rule that is best for determining when to drop comp and collision coverage, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than about 10% of any settlement you would receive from your insurance company, then you might consider buying liability only.
For example, let's pretend your Volkswagen Touareg settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would receive is $5,000 after paying the physical damage deductible. If it's costing in excess of $500 annually to have full coverage, then you might want to consider buying only liability coverage.
There are some situations where eliminating full coverage is not a good idea. If you haven't paid off your loan, you have to carry full coverage to protect the lienholder's interest. Also, if you can't afford to buy a different vehicle if your current one is in an accident, you should keep full coverage in place.
Discounts mean cheaper rates for Volkswagen Touareg insurance in Fort Collins
Some companies don't always publicize all available discounts in an easy-to-find place, so the following is a list of a few of the more well known and the more hidden discounts that you can inquire about if you buy Fort Collins auto insurance online.
- Safety Restraint Discount - Requiring all passengers to wear their seat belts could cut 10% or more on the premium charged for medical payments and/or PIP.
- Fewer Miles Equal More Savings - Driving fewer miles may enable drivers to earn slightly better rates than normal.
- Multiple Vehicles - Buying coverage for more than one vehicle on one policy can reduce the rates for all insured vehicles.
- Federal Government Employee - Federal government employees could qualify for a slight premium decrease with certain companies.
- Good Students Pay Less - Maintaining excellent grades can be rewarded with saving of up to 25%. Most companies allow this discount up to age 25.
- Student Driver Training - Require your teen driver to take driver's ed class as it can save substantially.
Discounts lower rates, but most discount credits are not given to the entire cost. Some only apply to the price of certain insurance coverages like comp or med pay. Even though it appears all those discounts means the company will pay you, you won't be that lucky.
To find companies that offer multiple discounts in Colorado, click here to view.
Smart Consumers Save on Insurance
One of the most helpful ways to save on car insurance is to to have a grasp of a few of the rating criteria that are used to determine your policy premiums. If you know what determines premiums, this empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.
Marriage can lower premiums - Having a wife or husband may cut your premiums on car insurance. Marriage generally demonstrates drivers are more financially stable and statistics show being married results in fewer claims.
Higher premiums for specific vocations - Did you know your job can affect your rates? Careers such as military generals, airline pilots, and dentists tend to pay higher premiums than the average policyholder due to job stress and lots of time spent away from family. On the flip side, jobs like farmers, engineers and homemakers pay lower than average rates.
Tickets mean higher rates - Being a careful driver has a lot to do with how much you pay for insurance. Careful drivers receive lower rates compared to drivers with tickets. Even one chargeable violation can increase the cost of insurance forty percent or more. Drivers who have severe violations such as reckless driving or DUI are required to submit a SR-22 or proof of financial responsibility with their state's department of motor vehicles in order to prevent their license from being revoked.
Car insurance liability insurance limits - Liability coverage is the protection when you are found to be at fault for physical damage or personal injury to other. Your liability coverage provides legal defense coverage which can be incredibly expensive. Liability insurance is pretty cheap compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.
Volkswagen Touareg statistical loss data - Insurers use statistical claims data when they calculate premium rates for each model. Vehicles that historically have a higher amount or frequency of claims will have higher rates for specific coverages. The next table illustrates the actual insurance loss data for Volkswagen Touareg vehicles.
For each policy coverage, the statistical loss for all vehicles, as a total average, is a value of 100. Numbers below 100 suggest losses that are better than average, while values over 100 point to more claims or statistically larger claims.
Volkswagen Touareg Insurance Claim Statistics
|Vehicle 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
Can't I compare prices from local Fort Collins car insurance agents?
A lot of people prefer to go talk to an agent and that is not a bad decision One of the benefits of getting online price quotes is you may find lower premium rates and still choose a local agent. Supporting neighborhood agents is especially important in Fort Collins.
Upon completion of this form (opens in new window), your information is immediately sent to insurance agents in Fort Collins who will give competitive quotes for your business. You don't have to find an agent on your own due to the fact that quote results will go immediately to you. You'll get the best rates and a licensed agent to work with. If for some reason you want to get a rate quote from a specific insurance provider, feel free to find their quoting web page and fill out the quote form the provide.
If you're trying to find a reliable insurance agency, you should know the types of agencies and how they differ in how they quote coverages. Agencies in Fort Collins can either be exclusive agents or independent agents.
Independent Insurance Agents
Agents that choose to be independent are not employed by one company so they can quote policies with multiple insurance companies and possibly get better coverage at lower prices. If prices rise, they simply move your policy to a different company and you stay with the same agent.
When comparing insurance rates, you absolutely need to include rate quotes from several independent agencies so that you have a good selection of quotes to compare. Most also have access to mutual insurance companies which can be an advantage.
The following are independent agents in Fort Collins that may be able to provide free insurance quotes.
- Skies West Insurance Agency, inc
1531 Riverside Ave - Fort Collins, CO 80524 - (970) 223-7611 - View Map
- John C. Beckett and Associates
220 Smith St - Fort Collins, CO 80524 - (970) 484-2805 - View Map
- ABC Insurance Agency
121 E Swallow Rd - Fort Collins, CO 80525 - (970) 484-3200 - View Map
Exclusive Insurance Agents
Exclusive agencies write business for a single company and some examples include State Farm, AAA, Farmers Insurance or Allstate. They are unable to provide other company's prices so you need to shop around if the rates are high. Exclusive agents are well schooled on sales techniques which helps offset the inability to provide other markets. Some consumers prefer to use the same agent mainly due to the brand name rather than having the cheapest rates.
Shown below are exclusive agents in Fort Collins who can help you get price quotes.
- Brad Bischoff - State Farm Insurance Agent
1300 Oakridge Dr #100 - Fort Collins, CO 80525 - (970) 223-9400 - View Map
- Allstate Insurance: Jeffrey Greco
315 W Magnolia St # 7 - Fort Collins, CO 80521 - (970) 407-0706 - View Map
- Farmers Insurance
3307 S College Ave - Fort Collins, CO 80525 - (970) 223-2219 - View Map
Choosing the best auto insurance agent is decision based upon more than just a cheap price quote. Any agent in Fort Collins should be forthright in answering these questions:
- Can glass claims be handled at your home?
- Are they able to provide referrals?
- Are there any discounts for paying up front?
- Which family members are covered?
- Do they have designations such as AIC, CPCU, or CIC?
When should I discuss my situation with an agent?
Keep in mind that when it comes to choosing adequate coverage, there really isn't a "best" method to buy coverage. Every situation is different so your insurance should reflect that For example, these questions may help you determine if you would benefit from professional advice.
- Can I rent a car in Mexico?
- How many claims can I have before being canceled?
- What is the minimum liability in Colorado?
- At what point should I drop full coverage?
- Is my ex-spouse still covered by my policy?
- Can my babysitter drive my car?
- What discounts do I qualify for?
- What does medical payments cover?
If you're not sure about those questions then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.
Can you really save if you switch?
Popular car insurance providers such as Progressive, GEICO, Allstate and State Farm constantly bombard you with television, radio, and online ads. They all seem to try to convey promises of big savings if you just switch your coverage. That's great but how can every company charge less that you're paying now? It's all in the wording.
Car insurance companies have specific characteristics for the type of driver that will most likely be profitable. A good example of this type of driver could possibly be between the ages of 30 and 50, has never had a claim, and drives a lower-performance vehicle. A propective insured that hits that "sweet spot" receives the best premium rates in Fort Collins and will most likely save if they switch.
Potential customers who do not meet the "perfect" profile may receive higher premium rates and the customer buying from someone else. The trick is to say "drivers that switch" not "everyone who quotes" save that kind of money. That is how insurance companies can lure you into getting a quote.
Because of these techniques, it's extremely important to get as many free Fort Collins auto insurance quotes as possible. It is impossible to guess with any certainty which company will have the lowest Volkswagen Touareg insurance in Fort Collins.
Auto insurance savings summarized
You just learned a lot of tips how to save on Volkswagen Touareg insurance in Fort Collins. The key thing to remember is the more rate quotes you have, the better your comparison will be. Consumers could even find that the best prices are with the smaller companies. Some small companies can often insure niche markets at a lower cost than their larger competitors like Allstate and Progressive.
As you restructure your insurance plan, it's a bad idea to buy lower coverage limits just to save a few bucks. In many cases, an insured dropped liability coverage limits to discover at claim time that the small savings ended up costing them much more. Your goal is to purchase a proper amount of coverage at the best price, but do not skimp to save money.
- Shopping for a Safe Car (Insurance Information Institute)
- Who Has Cheap Car Insurance Quotes for Unemployed Drivers in Colorado? (FAQ)
- Who Has Affordable Colorado Auto Insurance for Business Use? (FAQ)
- What Auto Insurance is Cheapest for Single Moms in Colorado? (FAQ)
- What Auto Insurance is Cheapest in Parker, Colorado? (FAQ)
- Who Has Affordable Auto Insurance Rates for High Mileage Drivers in Colorado? (FAQ)
- Who Has Cheap Colorado Auto Insurance for Immigrants? (FAQ)
- Self-driving cars won't replace humans (Insurance Institute for Highway Safety)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- Reducing Your Risks in a Car Crash Video (iihs.org)
- Learn About Car Insurance (GEICO)