Locating cheaper insurance for your Volkswagen Tiguan in Colorado could be an all-consuming task, but you can follow our insurance buying tips to find lower rates.
There is a right way and a wrong way to shop for insurance so you're going to learn the quickest way to quote coverages for your Volkswagen and find the lowest possible price.
Consumers should take time to price shop coverage once or twice a year because insurance prices change regularly. Despite the fact that you may have had the lowest quotes on Volkswagen Tiguan insurance in Aurora at your last renewal you can probably find a lower rate today. There is a lot of wrong information about Tiguan insurance online but you can learn a lot of great tips on how to stop overpaying for insurance in Aurora.
If you have a policy now or need new coverage, you can use these tips to shop for the lowest rates and still have adequate protection. Quoting and comparing rates for affordable car insurance coverage in Aurora is not as time-consuming as you think. Smart shoppers just need to learn the least time-consuming way to get comparison quotes from many companies at once.
Companies offering cheap Volkswagen Tiguan rates in Aurora, CO
The companies shown below offer price comparisons in Colorado. If the list has multiple companies, we recommend you visit several of them in order to find the most competitive rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Tiguan S 2WD||$302||$562||$404||$24||$120||$1,412||$118|
|Tiguan S 2WD||$264||$448||$304||$18||$92||$1,126||$94|
|Tiguan SE 4Motion AWD||$300||$620||$362||$22||$108||$1,412||$118|
|Tiguan SEL 4Motion AWD||$182||$384||$388||$22||$116||$1,092||$91|
|Get Your Own Custom Quote Go|
Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Premium amounts do not factor in the specific area where the vehicle is garaged which can alter coverage prices significantly.
Higher deductibles lower rates
The chart below highlights how deductible selection and can raise or lower Volkswagen Tiguan premium costs for different age groups of insureds. The premium estimates are based on a single male driver, comprehensive and collision coverage, and no discounts are factored in.
Driving violations and accidents
The information below illustrates how speeding tickets and accident claims can increase Volkswagen Tiguan car insurance costs for different ages of insureds. Data assumes a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.
Cheap Volkswagen Tiguan insurance rates in Aurora
Auto insurance is not an enjoyable expense, but there could be available discounts that could help you make your next renewal payment. Some trigger automatically at the time of quoting, but occasionally some discounts must be inquired about before being credited.
- Aurora Homeowners Pay Less - Owning a house in Aurora may earn you a small savings because of the fact that having a home means you have a higher level of financial diligence.
- Auto/Home Discount - If you have multiple policies with one insurance company you could get a discount of 10% to 20% off each policy.
- Seat Belts Save more than Lives - Drivers who always wear seat belts and also require passengers to buckle up before driving can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
- More Vehicles More Savings - Purchasing coverage when you have more than one vehicle with the same company may reduce the rate for each vehicle.
- 55 and Retired - Mature drivers may receive lower premium rates.
- Discount for Life Insurance - Insurance companies who offer life insurance give a small discount if you purchase some life insurance in addition to your auto policy.
- Defensive Driver Discount - Taking a driver safety class may get you a small discount if your company offers it.
- Anti-theft Discount - Anti-theft and alarm system equipped vehicles are stolen less frequently and qualify for as much as a 10% discount.
- Waiver for an Accident - This one is not really a discount per se, but companies like Progressive, Allstate, and GEICO allow you one accident before hitting you with a surcharge if you are claim-free before the accident.
Consumers should know that some credits don't apply the the whole policy. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though the math looks like all those discounts means the company will pay you, auto insurance companies aren't that generous.
To find insurers who offer auto insurance discounts in Aurora, click here.
The Volkswagen Tiguan Insurance Rate Equation
Many things are used when you quote your car insurance policy. Some are obvious like a motor vehicle report, although some other factors are not as apparent like where you live or how financially stable you are.
Insurance rates for married couples - Being married helps lower the price on car insurance. Marriage may mean you are more mature than a single person and it's proven that being married results in fewer claims.
Claim-free discounts can add up - If you file claims often, you can pretty much guarantee higher premiums or even policy non-renewal. Companies in Colorado give cheaper rates to drivers who are not frequent claim filers. Auto insurance is meant to be used in the event of the bigger claims that can't be paid out-of-pocket.
Age of drivers - Young drivers in Colorado have been known to be less responsible when driving with friends so they pay higher car insurance rates. Older, more experienced drivers are viewed as being more responsible, file fewer claims, and get fewer tickets.
Gender is a factor - The statistics show that females take fewer risks when driving. However, don't assume that men are worse drivers. Females and males have auto accidents at about the same rate, but the male of the species have accidents that have higher claims. They also have more aggressive citations like reckless driving and DUI.
Save mileage and save money - Driving more miles every year the more it will cost to insure it. A lot of insurance companies price each vehicle's coverage based upon how the vehicle is primarily used. Vehicles that are left in the garage can get a lower rate than those that get driven frequently. It's always a good idea to double check that your declarations sheet is showing the correct usage, because it can save money. An incorrectly rated Tiguan is throwing money out the window.
Liability coverage - A critical coverage on your policy, liability insurance is the protection if ever a jury decides you are liable for damages caused by your negligence. It will provide for a legal defense to defend your case. It is affordable coverage compared to insuring for physical damage coverage, so do not cut corners here.
Additional coverages that may be costing you - Insurance companies have many optional add-on coverages that may not really be needed but may not be useful. Things like replacement cost coverage, towing, and extra life insurance coverage may be costing you every month. They may sound like good ideas at first, but if they're wasting money eliminate the coverages to reduce your premium.
Bundle policies to earn discounts - Most larger companies provide better rates to policyholders who have multiple policies with them, otherwise known as a multi-policy discount. This can amount to ten or even up to twenty percent in some cases. Even though this discount sounds good, it's always a smart idea to compare other Aurora Tiguan insurance rates to help guarantee you have the best rates.
Volkswagen Tiguan claim probability - Insurance companies use historical loss data to help calculate a profitable premium rate. Vehicles that the statistics show to have a trend towards higher claims will be charged more to insure. The information below illustrates the historical loss data for Volkswagen Tiguan vehicles.
For each coverage category, the loss probablilty for all vehicles, as an average, is set at 100. Values that are 100 or less indicate better than average losses, while values over 100 indicate a higher chance of having a claim or tendancy to have higher losses.
Insurance Loss Ratings for Volkswagen Tiguan Vehicles
|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|
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
When do I need an agent's advice?
When buying the best insurance coverage, there really is no perfect coverage plan. Your needs are unique to you and your insurance should unique, too. For instance, these questions can aid in determining whether your personal situation could use an agent's help.
- Is pet coverage available?
- When do I need to add a new car to my policy?
- Do I need roadside assistance coverage?
- Can my teen drive my company car?
- How can I find cheaper teen driver insurance?
- When should I not file a claim?
If it's difficult to answer those questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It's fast, free and may give you better protection.
Local insurance agents
A small number of people would rather sit down and talk to an agent and there is nothing wrong with that. Good insurance agents are trained to spot inefficiencies and give you someone to call. The biggest benefit of comparing rates online is the fact that drivers can get cheaper rates and still choose a local agent. And providing support for neighborhood agents is especially important in Aurora.
By using this short form, your insurance data is sent to companies in Aurora that give free quotes and help you find cheaper coverage. You never need to visit any agencies since rate quotes are delivered to you instantly. If you have a need to get a price quote from a specific company, you can always jump over to their website to submit a rate quote request.
If you want a reliable insurance agency, it's helpful to know the types of agencies to choose from. Auto insurance agents may be either independent or exclusive. Both insure your vehicles properly, but it's worth learning the difference between them because it can influence which type of agent you select.
Independent Insurance Agents
Agents of this type are not locked into one company so they can insure your vehicles through lots of different companies and possibly get better coverage at lower prices. If your agent finds better pricing, the business is moved internally and you can keep the same agent. When comparing rates, you should always include price quotes from multiple independent agents to get the best comparison. Most can insure with small regional insurance companies which could offer lower prices.
Below is a list of independent insurance agents in Aurora that may be able to give you free auto insurance rate quotes.
- Colorado Insurance Professionals, Inc.
13693 E Iliff Ave - Aurora, CO 80014 - (303) 755-8600 - View Map
- Diversified Commercial Insurers
2228 S Fraser St #2 - Aurora, CO 80014 - (303) 693-9343 - View Map
- ALINK Insurance Services
3033 S Parker Rd #120 - Aurora, CO 80014 - (303) 752-6479 - View Map
Exclusive Auto Insurance Agencies
These type of agents can usually just insure with one company such as Farmers Insurance, State Farm, Allstate, and AAA. These agents are unable to provide other company's prices so they have to upsell other benefits. Exclusive agents receive extensive training in insurance sales which helps them compete with independent agents. Consumers frequently buy from the same agent for years mostly because of the brand legacy rather than low rates.
Shown below are Aurora exclusive agencies that are able to give comparison quotes.
- Allstate Insurance: Roger Francis
18757 E Hampden Ave Ste 154 - Aurora, CO 80013 - (303) 792-3460 - View Map
- Melissa Kitowski - State Farm Insurance Agent
13750 E Rice Pl Ste 101 - Aurora, CO 80015 - (303) 680-6666 - View Map
- Farmers Insurance - John Flores
2821 S Parker Rd #235 - Aurora, CO 80014 - (720) 789-7980 - View Map
Choosing the best insurance agent should include more criteria than just a cheap quote. These are some questions you should get answers to.
- What is the agency's Better Business Bureau rating?
- Are aftermarket or OEM parts used to repair vehicles?
- Will their companies depreciate repairs to your car based on the mileage?
- Is there a local claims center in Aurora?
- Is the agency covered by Errors and Omissions coverage?
- Where would glass claims be handled in Aurora?
- If independent agents, which companies do they recommend?
- Are all drivers listed on the coverage quote?
The auto insurance bait and switch
Colorado consumers can't escape the ads that claim the cheapest premium rates from companies such as 21st Century, Allstate and State Farm. All the ads advertise the message that you'll save big just by switching your auto insurance coverage to their company.
It sounds good, but how can they all cost less than your current company? It's all in the numbers.
All the different companies have strict underwriting profiles for the type of driver that will add to their bottom line. For instance, a profitable risk profile could possibly be between the ages of 40 and 55, has no tickets, and drives less than 10,000 miles a year. Any driver who fits that profile will get the preferred premium rates in Aurora as well as save some money.
Drivers who cannot meet this ideal profile must pay a higher rate and ends up with the customer not buying. The ads say "customers that switch" but not "everyone who gets a quote" save that much when switching. That is how insurance companies can confidently make claims that they all have the best car insurance rates.
That is why it is so important to compare many company's car insurance rates. It's impossible to know the company that will be your best fit.
Affordable auto insurance premiums are out there
Cheap Volkswagen Tiguan insurance in Aurora is available both online in addition to many Aurora insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance providers may not have rates over the internet and these small insurance companies provide coverage only through independent agencies.
We just covered quite a bit of information on how to lower your Volkswagen Tiguan insurance prices in Aurora. The key thing to remember is the more times you quote, the higher your chance of finding cheaper Aurora car insurance quotes. Drivers may even discover the best price on auto insurance is with a small mutual company. These companies can often provide lower rates in certain areas as compared to the big name companies such as State Farm, GEICO and Nationwide.
When trying to cut insurance costs, you should never reduce coverage to reduce premium. Too many times, an accident victim reduced full coverage to discover at claim time they didn't purchase enough coverage. Your goal should be to get the best coverage possible for the lowest price, but don't skip important coverages to save money.
Even more information is located in the articles below:
- Auto Insurance for Teen Drivers (Insurance Information Institute)
- Who Has Cheap Colorado Car Insurance Rates for Good Students? (FAQ)
- Who Has the Cheapest Auto Insurance for Drivers with Good Credit in Colorado? (FAQ)
- Who Has the Cheapest Car Insurance Rates with Multiple Speeding Tickets in Colorado? (FAQ)
- What is the Best Cheap Auto Insurance in Ken Caryl, Colorado? (FAQ)
- How Much are Colorado Auto Insurance Rates for Police Officers? (FAQ)
- What is the Cheapest Car Insurance in Commerce City, Colorado? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Inexperienced Drivers in Colorado? (FAQ)
- Teen Driving Statistics (GEICO)
- Winter Driving (Insurance Information Institute)
- Understanding Limits and Deductibles (Allstate)
- Your Car has been Stolen: Now What? (Allstate)