Insurance quote for Volkswagen Tiguan in DenverHow long has it been since you compared quotes for the cheapest Volkswagen Tiguan insurance in Denver? No one looks forward to paying premiums for auto insurance, in particular when it costs too dang much.

Remarkably, a study showed that nearly 70% of consumers kept their policy with the same company for well over three years, and about 40% of consumers have never compared rate quotes at all. Many drivers in Colorado could pocket $610 a year, but they don't believe the actual amount they would save if they switched to a more affordable policy.

Vehicle owners have so many insurers to choose from, and even though it's nice to have a selection, it can be more difficult to find the lowest cost provider for Volkswagen Tiguan insurance in Denver.

Get cheaper rates by earning discounts

Auto insurance is not an enjoyable expense, but there may be some discounts that could drop your premiums quite a bit. Many discounts should be triggered when you complete an application, but a few need to be inquired about prior to receiving the credit.

A little disclaimer on discounts, most discount credits are not given to the overall cost of the policy. The majority will only reduce specific coverage prices like collision or personal injury protection. If you do the math and it seems like you would end up receiving a 100% discount, company stockholders wouldn't be very happy. Any amount of discount should definitely cut your overall premium however.

Popular auto insurance companies and their offered discounts are included below.

It's a good idea to ask every company the best way to save money. Some of the discounts discussed earlier might not be available to policyholders in Denver. To see insurance companies with significant discounts in Colorado, click here to view.

When looking for cheaper Denver auto insurance quotes, there are a couple ways of comparing price quotes from many different Colorado insurance companies. The fastest way to find affordable Volkswagen Tiguan insurance rates involves getting comparison quotes online.

Comparing quotes online is fast and free, and it makes it a waste of time to make phone calls or go to insurance agents' offices. Quoting Volkswagen Tiguan insurance online has made agencies unnecessary unless you're the type of person who wants the professional abilities only provided by licensed Denver agents. It is possible to compare online quotes and get advice from an agent in your area. Just remember that quoting more will improve the odds of getting better pricing. Not every company does price estimates online, so it's important to also get rates from them as well.

The providers in the list below are our best choices to provide price comparisons in Denver, CO. If several companies are displayed, it's highly recommended you compare several of them to find the lowest car insurance rates.

Volkswagen Tiguan Insurance Rate Estimates in Denver, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tiguan S 2WD $260 $516 $388 $22 $116 $1,302 $109
Tiguan S 2WD $212 $388 $286 $16 $86 $988 $82
Tiguan SE 4Motion AWD $350 $538 $392 $24 $118 $1,422 $119
Tiguan SEL 4Motion AWD $342 $644 $298 $18 $90 $1,392 $116
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Information does not factor in vehicle location which can raise or lower auto insurance rates significantly.

Analysis of deductible levels

One of the most common auto insurance questions is how high should the deductibles for physical damage be. The comparison tables below highlight the differences in premium rates between high and low comp and collision deductibles. The first price estimate table uses a $250 deductible and the second set of rates uses a $1,000 deductible.

Volkswagen Tiguan insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tiguan S 2WD $272 $458 $298 $18 $90 $1,161 $97
Tiguan S 2WD $272 $458 $298 $18 $90 $1,161 $97
Tiguan SE 4Motion AWD $306 $538 $298 $18 $90 $1,275 $106
Tiguan SEL 4Motion AWD $306 $538 $298 $18 $90 $1,275 $106
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Volkswagen Tiguan insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tiguan S 2WD $168 $288 $298 $18 $90 $862 $72
Tiguan S 2WD $168 $288 $298 $18 $90 $862 $72
Tiguan SE 4Motion AWD $190 $340 $298 $18 $90 $936 $78
Tiguan SEL 4Motion AWD $190 $340 $298 $18 $90 $936 $78
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Information does not factor in specific location which can raise or lower coverage rates greatly.

Based on the data above, we can derive that using a $250 deductible will cost you about $27 more each month or $324 a year than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go more than 28 months between claim filings, you would probably come out ahead going with the higher deductible. The numbers below show how this determination is made.

Average monthly premium for $250 deductibles: $102
Average monthly premium for $1,000 deductibles (subtract): - $75
Monthly savings from raising deductible: $27
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $27
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 results in a higher out-of-pocket expense if you have a claim. You should have access to more funds in order to pay the deductible.

An analysis of deductible level

The illustration below highlights how deductible choice and can affect Volkswagen Tiguan insurance costs for each different age category. The rates are based on a single female driver, full physical damage coverage, and no discounts are applied to the premium.

Volkswagen Tiguan insurance costs by age and gender

The illustration below shows the difference between Volkswagen Tiguan insurance costs for male and female drivers. The rates are based on no claims or driving violations, full physical damage coverage, $100 deductibles, drivers are not married, and no discounts are applied to the premium.

How Insurance Companies Determine Volkswagen Tiguan Insurance Prices

Multiple criteria are part of the calculation when pricing auto insurance. Some are pretty understandable such as traffic violations, but some are less obvious like where you live and annual miles driven.

Higher prices for stressful occupations - Careers like real estate brokers, architects and financial analysts have higher premiums than the average policyholder due to high stress levels and long work hours. Other occupations such as scientists, athletes and retirees generally pay rates lower than average.

Vehicle options impact prices - Purchasing a vehicle with advanced anti-theft systems can get you a discount on your insurance. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all help prevent vehicle theft.

Incidental coverages are wasting money - There are quite a few additional extra coverages that sound like a good idea at the time on your insurance policy. Coverages like rental car reimbursement, towing coverage, and motor club memberships could be just wasting money. The coverages may be enticing when discussing your needs, but your money might be better spent on other coverage so remove them from your policy.

Costs may be higher where you live - Living in smaller towns and rural areas of the country has it's advantages when it comes to insurance. Fewer drivers and short commutes means a lower chance of having an accident in addition to fewer liability claims. People in densely populated areas have to deal with more auto accidents and higher rates of accident claims. Longer commute distances means more chance of being in an accident.

Insurance companies don't like frequent insurance claims - If you tend to file frequent claims, you can expect either higher rates or even cancellation. Insurance companies in Colorado generally give better rates to drivers who are not frequent claim filers. Auto insurance is intended to be relied upon for claims that you cannot pay yourself.

High credit scores save money - A driver's credit history is likely to be a major factor in your rate calculation. People with very good credit scores tend to be better risks to insure than drivers with lower credit ratings. If your credit is not that good, you may save money insuring your Volkswagen Tiguan by taking the time to improve your credit score.

Pay less after the wedding - Having a wife or husband may earn you lower rates on your insurance bill. Having a significant other generally demonstrates drivers are more responsible and insurance companies like that married drivers get in fewer accidents.

Pay less with a high crash test rating - Vehicles that have high safety ratings cost less to insure. Vehicles built for safety reduce occupant injuries and fewer injuries translates into savings for insurance companies and lower rates for you. If your Volkswagen Tiguan is rated at least four stars on or an "acceptable" rating on you may qualify for a discount.

Volkswagen Tiguan statistical loss data - Companies take into consideration historical loss data for every vehicle as a way to help calculate a profitable premium rate. Models that statistically have high amounts or severity of claims will have higher rates. The table shown below demonstrates the loss history for Volkswagen Tiguan vehicles.

For each policy coverage type, the claim probability for all vehicles averaged together is equal to 100. Values below 100 imply a favorable loss record, while numbers shown that are more than 100 indicate frequent claims or tendency to have larger claims.

Auto Insurance Loss Data for Volkswagen Tiguan Models

Vehicle Make and 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

Tailor your auto insurance coverage to you

When selecting insurance from an agent or online for your vehicles, there really is no "perfect" insurance plan. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions may help you determine if your situation will benefit from professional help.

If it's difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Compare prices but buy from a local neighborhood Denver car insurance agent

Many people would prefer to talk to a local agent and that is a smart decision One of the benefits of price shopping on the web is the fact that drivers can get lower rates and also buy local.

Insurance agency in DenverTo help locate an agent, after submitting this simple form, your information is submitted to insurance agents in Denver who will give you quotes and help you find cheaper coverage. You won't need to do any legwork due to the fact that quote results will go straight to your inbox. You can most likely find cheaper rates without requiring a lot of work. If for some reason you want to get a price quote from a particular provider, you would need to go to their quote page and complete a quote there.

Finding the right insurance company requires more thought than just the quoted price. A good agent in Denver will have answers to these questions.

Do you need an independent or exclusive auto insurance agent?

If you want to use a local agent, it can be helpful to understand the types of agencies and how they are slightly different. Agencies in Denver can either be independent agents or exclusive agents.

Exclusive Insurance Agencies

These agents write business for a single company and some examples include American Family, State Farm, and AAA. These agents are not able to shop your coverage around so it's a take it or leave it situation. Exclusive agents are usually quite knowledgeable on sales techniques which helps them sell insurance even at higher premiums.

Shown below are Denver exclusive agencies that are able to give price quote information.

535 16th St #350 - Denver, CO 80202 - (303) 628-0554 - View Map

671 E 19th Ave - Denver, CO 80203 - (303) 744-0757 - View Map

714 S Pearl St - Denver, CO 80209 - (303) 757-7440 - View Map

View more Denver agents

Independent Insurance Agencies

Independent agents are not employed by one company so they can insure your vehicles with many different companies depending on which coverage is best. If they quote lower rates, an independent agent can move your coverage which makes it simple for you.

When comparing insurance rates, you will definitely want to include rate quotes from multiple independent agents to ensure the widest selection of prices.

Shown below are independent insurance agents in Denver who can help you get rate quotes.

100 Fillmore St - Denver, CO 80206 - (720) 209-4598 - View Map

1400 S Columbine St - Denver, CO 80210 - (970) 230-3020 - View Map

1777 W 38th Ave #102 - Denver, CO 80211 - (303) 477-0505 - View Map

View more Denver agents

If you get satisfactory answers to any questions you have in addition to an acceptable price estimate, you have narrowed it down to an auto insurance agent that meets the requirements to service your policy. Keep in mind you can always cancel your policy for any reason so never assume that you are permanently stuck with any specific agency for the full term.

Three reasons to insure your Volkswagen vehicle

Despite the potentially high cost of Volkswagen Tiguan insurance, buying auto insurance is mandatory in Colorado but it also protects more than you think.

The benefits of insuring your car are definitely more than the cost, especially with large liability claims. According to a survey of 1,000 drivers, the average driver overpays more than $850 per year so compare rates at every policy renewal to make sure the price is not too high.

In the end, you can save money

There are still a few companies who may not provide online quoting and these regional carriers only sell through independent agents. Low-cost Volkswagen Tiguan insurance in Denver can be purchased online and also from your neighborhood Denver agents, and you need to comparison shop both to have the best rate selection.

As you go through the steps to switch your coverage, do not sacrifice coverage to reduce premiums. In too many instances, someone dropped liability coverage limits and discovered at claim time that it was a big mistake. Your objective should be to buy a smart amount of coverage for the lowest cost.

We covered a lot of information how to get a better price on Volkswagen Tiguan insurance in Denver. The key thing to remember is the more quotes you get, the higher your chance of finding low cost Denver auto insurance quotes. You may even find the best auto insurance rates are with the smaller companies. These smaller insurers often have lower premium rates on specific markets than the large multi-state companies such as Allstate and Progressive.

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