Cheapest Volkswagen Tiguan Insurance in Lubbock

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Insurance rates Volkswagen Tiguan in LubbockWould you like to stop overpaying and find more competitive Volkswagen Tiguan insurance in Lubbock? Are you overwhelmed by the dozens of auto insurance providers available to you? People have so many providers available that it is a burden to find the lowest price for Volkswagen Tiguan insurance in Lubbock. Lubbock is the perfect city to reside in, but trying to pay high auto insurance rates makes it impossible to be able to afford adequate coverage.

It's a fact that car insurance companies don't want you quoting rates from other companies. Drivers who shop around for cheaper rates will probably switch auto insurance companies because there is a significant possibility of finding coverage at a more affordable price. A study showed that drivers who regularly compared price quotes saved an average of $865 a year compared to policyholders who never shopped around for cheaper prices.

If saving money on car insurance in Lubbock is your target objective, understanding how to compare cheaper coverage can make it simple to find affordable coverage.

It is always a good idea to get comparison quotes once or twice a year because auto insurance prices fluctuate regularly. Even if you got the lowest quotes on Volkswagen Tiguan insurance in Lubbock a few years ago the chances are good that you can find a lower rate today. There is a lot of bad information regarding Tiguan insurance out there, but in just a couple of minutes you can learn a lot of great tips on how to put money back in your pocket.

Cheap Lubbock auto insurance quotes with discounts

Companies do not list the entire discount list very clearly, so the list below contains both well-publicized and the more hidden discounts that may be available. If you aren't receiving every discount available, you're paying more than you need to.

  • Discount for New Cars - Adding a new car to your policy is cheaper due to better safety requirements for new model year vehicles.
  • Distant Student - Youth drivers who live away from home at college and do not have access to a covered vehicle can receive lower rates.
  • Discounts for Cautious Drivers - Safe drivers can save up to 40% or more on their Lubbock car insurance quote compared to rates paid by drivers with frequent claims.
  • Driver's Education for Students - Have your child enroll in driver's education if it's offered in school.
  • No Claim Discounts - Lubbock drivers who stay claim-free can earn big discounts when compared with drivers who are more careless.
  • Defensive Driving Course - Taking part in a course teaching defensive driving skills could cut 5% off your bill and make you a better driver.
  • Pay Now and Pay Less - By paying your entire bill at once rather than paying in monthly installments you may have a lower total premium amount.
  • Professional Organizations - Joining certain professional organizations may earn a discount when getting a Lubbock car insurance quote.
  • Policy Bundle Discount - When you combine your auto and home insurance and insure them with the same company you may save over 10 percent off each policy depending on the company.
  • Onboard Data Collection - Drivers that enable their company to spy on driving manner by using a telematics device in their vehicle such as State Farm's In-Drive could save a few bucks as long as the data is positive.

Please keep in mind that most discounts do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like medical payments or collision. Even though it appears all those discounts means the company will pay you, insurance companies wouldn't stay in business. Any amount of discount will reduce the amount you pay for coverage.

The illustration below visualizes the comparison of Volkswagen Tiguan insurance rates with and without discounts applied to the policy rates. The premiums assume a female driver, no violations or 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-policy, safe-driver, marriage, homeowner, multi-car, and claim-free discounts applied.

Some companies who might offer some of the discounts shown above include:

Before purchasing a policy, check with every company which discounts you qualify for. Some of the discounts discussed earlier may not be offered in your area. To find insurers who offer auto insurance discounts in Lubbock, click this link.

Most companies allow you to get price estimates direct online. This process is quite easy as you simply enter the coverages you want as requested by the quote form. When complete, their quoting system makes automated requests for credit information and your driving record and returns a price quote.

Being able to quote online for Volkswagen Tiguan insurance in Lubbock makes it simple to compare prices and it is important to get many rate quotes if you are searching for the lowest payment on insurance.

To find out how much you're overpaying now, compare quotes from the companies shown below. If you have your current policy handy, we recommend you enter the limits and deductibles exactly as they are listed on your policy. This guarantees you will receive comparison quotes using the same coverage and limits.

The companies shown below can provide quotes in Lubbock, TX. If you want to find the best auto insurance in TX, we recommend you visit several of them to get the lowest price.

Statistics and details

The table displayed below showcases estimates of coverage costs for Volkswagen Tiguan models. Understanding how auto insurance prices are calculated can assist in making decisions on which insurance to purchase.

Volkswagen Tiguan Insurance Rates in Lubbock, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tiguan S 2WD $156 $322 $366 $22 $110 $976 $81
Tiguan S 2WD $156 $322 $366 $22 $110 $976 $81
Tiguan SE 4Motion AWD $176 $378 $366 $22 $110 $1,052 $88
Tiguan SEL 4Motion AWD $176 $378 $366 $22 $110 $1,052 $88
Get Your Own Custom Quote Go

Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Premium amounts do not factor in your specific Lubbock location which can increase or decrease rates greatly.

Higher deductibles lower rates

One of the hardest decisions when shopping for car insurance is where should you set your physical damage deductibles. The figures shown below can help you understand the differences in price between high and low comp and collision deductibles. The first rate estimation uses a $100 comprehensive and collision deductible and the second pricing table uses a $500 deductible.

Volkswagen Tiguan insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tiguan S 2WD $328 $592 $324 $20 $96 $1,385 $115
Tiguan S 2WD $328 $592 $324 $20 $96 $1,385 $115
Tiguan SE 4Motion AWD $370 $698 $324 $20 $96 $1,533 $128
Tiguan SEL 4Motion AWD $370 $698 $324 $20 $96 $1,533 $128
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Volkswagen Tiguan insurance prices 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
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Rates do not factor in vehicle garaging location which can alter coverage prices greatly.

Using the data above, we can ascertain that using a $100 deductible costs about $27 more each month or $324 each year than quoting the higher $500 deductible. Since you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you have at a minimum 15 months between claim filings, you would more than likely save some money if you choose a higher deductible.

The chart below illustrates how your choice of deductibles and can affect Volkswagen Tiguan insurance costs for different ages of insureds. The premiums assume a single female driver, comp and collision included, and no discounts are factored in.

Bad driving habits will cost you more

The illustration below demonstrates how citations and at-fault fender-benders can raise Volkswagen Tiguan premium costs for different age groups of insureds. The data assumes a single female driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.

Rate comparison of men versus women in Lubbock

The information below shows the comparison of Volkswagen Tiguan yearly insurance costs for male and female drivers. The price estimates are based on no violations or accidents, comp and collision included, $500 deductibles, drivers are not married, and no discounts are factored in.

Cost comparison with and without full coverage

The chart below visualizes the comparison of Volkswagen Tiguan car insurance rates with full coverage compared to only the Texas minimum liability coverage. The rates are based on no tickets, no at-fault accidents, $100 deductibles, single marital status, and no policy discounts are applied.

Should you pay for full coverage?

There is no definitive formula to stop buying comprehensive and collision coverage on your policy, but there is a general convention. If the yearly cost of comp and collision coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it's probably a good time to buy liability coverage only.

For example, let's say your Volkswagen Tiguan replacement cost is $3,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would receive is $2,000 after paying your deductible. If you are paying more than $200 a year for your policy with full coverage, then it could be time to drop full coverage.

There are some cases where dropping full coverage is not a good idea. If you still have a lienholder on your title, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.

How to Lower Your Insurance Premiums

Lots of factors are part of the equation when premium rates are determined. Some are obvious like a motor vehicle report, but other criteria are not quite as obvious like your vehicle usage and annual miles driven.

The factors shown below are a few of the things used by insurance companies to determine prices.

Drivers with high credit save on car insurance - Having a bad credit score is likely to be a major factor in determining your rates. Drivers with very good credit scores tend to be better risks to insure than drivers with lower credit scores. If your credit score can use some improvement, you could be paying less to insure your Volkswagen Tiguan by taking the time to improve your credit score.

Increase physical damage deductibles to save - Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Volkswagen from damage. Some examples of claims that would be covered would be a broken windshield, hitting a deer, and damage caused by flying debris. Physical damage deductibles tell how much you are willing to pay if you file a covered claim. The more money you choose to pay out-of-pocket, the bigger discount you will receive.

Mature drivers save more - Youthful drivers in Texas have a tendency to be inattentive and easily distracted when at the wheel of a vehicle therefore car insurance rates are much higher. Parents adding a youthful driver to your car insurance policy can really hurt. Older, more experienced drivers are more responsible, cause fewer claims and accidents, and are generally more financially stable.

The following chart is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.

Rates increase with policy add-ons - Policies have additional coverages that you can get tricked into buying but may not be useful. Add-on coverages like coverage for rental cars, accidental death, and membership fees may be wasting your money. The coverages may be enticing when buying your policy, but your needs may have changed so get rid of them and save.

Use one insurance company and save - The majority of companies give discounts to customers who have multiple policies with them such as combining an auto and homeowners policy. Discounts can amount to anywhere from five to ten percent in most cases. Even if you're getting this discount drivers will still want to comparison shop to ensure the best deal. It's possible to still find lower rates by splitting coverages up.

Do you have a high stress employer? - Careers such as fire fighters, airline pilots, and stock brokers have the highest rates because of intense work situations and lots of time spent at work. Other careers like professors, historians and performers pay lower than average rates.

GPS tracking and theft deterrents lowers premiums - Choosing to buy a car that has an advanced theft prevention system can help bring down rates. Theft deterrent systems like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all hinder your vehicle from being stolen.

Where you live factors in - Living in less populated areas of the country has definite advantages when shopping for auto insurance. Urban drivers have to deal with traffic congestion and much longer commute distances. Lower population means fewer accidents and also fewer theft and vandalism claims.

Loss statistics for a Volkswagen Tiguan - Auto insurance companies factor in insurance loss information to calculate a rate that will offset any claims. Models that are shown to have higher claim frequency or loss amount will cost more for specific coverages.

The table below demonstrates the actual insurance loss data for Volkswagen Tiguan vehicles. For each policy coverage type, the claim probability for all vehicles, regardless of make or model, is set at 100. Values that are under 100 suggest losses that are better than average, while numbers shown that are more than 100 point to more losses or an increased likelihood of larger losses.

Auto Insurance Loss Data for Volkswagen Tiguan Models
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
BETTER
AVERAGE
WORSE

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

What insurance coverages do I need?

When buying coverage online or from an agent, there really is not a "perfect" insurance plan. Everyone's needs are different so this has to be addressed. Here are some questions about coverages that might point out if your insurance needs might need professional guidance.

  • Do I need medical payments coverage since I have good health insurance?
  • What states are considered no-fault?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Can I still get insurance after a DUI?
  • Am I covered if I break a side mirror?
  • Do I have coverage if my license is suspended?
  • Is my custom paint covered by insurance?
  • What is roadside assistance coverage?
  • Is my dog or cat covered if injured in an accident?
  • Where can I find DUI or SR-22 insurance?

If it's difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don't have a local agent, fill out this quick form or you can also visit this page to select a carrier

Local Lubbock insurance agents and insurance

Some people prefer to go talk to an agent and that is a smart decision One of the great benefits of getting free rate quotes online is you may find cheap insurance rates and also buy local.

Lubbock insurance agentsFor easy comparison, once you complete this quick form, the coverage information is submitted to companies in Lubbock who will give you quotes for your insurance coverage. You won't even need to do any legwork as quotes are delivered directly to you. Get lower rates without having to waste a lot of time. If for some reason you want to quote rates from one company in particular, don't hesitate to jump over to their website and fill out their quote form.

Choosing the best insurance company should depend on more than just a low price. Below are some questions you should ask.

  • Are all drivers listed on the coverage quote?
  • Does the company have a solid financial rating?
  • Does the agency have a current Errors and Omissions policy?
  • Is the agent CPCU or CIC certified?
  • Is assistance available after office hours?
  • How many companies do they write for?
  • Do they receive special compensation for putting your coverage with one company over another?
  • Where would glass claims be handled in Lubbock?

How to choose the best car insurance agent in Lubbock

When researching a reliable insurance agency, it's important to understand the different agency structures and how they can write your policy. Insurance agencies in Lubbock are categorized either independent or exclusive.

Exclusive Insurance Agencies

Exclusive insurance agents can usually just insure with one company such as Farmers Insurance or State Farm. Exclusive agencies are unable to provide rate quotes from other companies so if the price isn't competitive there isn't much they can do. These agents are usually quite knowledgeable on sales techniques which can be an advantage. Some consumers prefer to buy insurance from these agents primarily because of the prominence of the brand and strong financial ratings.

Below are exclusive agencies in Lubbock willing to provide price quote information.

View more Lubbock agents

Independent Insurance Agents

Agents that choose to be independent do not write with just one company and that enables them to quote your coverage with many different companies and find the cheapest insurance rates. To move your coverage to a new company, they simply move your policy to a different company and that require little work on your part. When comparing rates, it's a good idea to include rate quotes from a few independent agents for the best price selection. They often place coverage with lesser-known insurance companies which can be an advantage.

The following is a short list of independent insurance agents in Lubbock that can give you price quotes.

View more Lubbock agents

Choosing Volkswagen Tiguan insurance is an important decision

Despite the high cost, insurance serves a purpose in several ways.

  • Most states have mandatory insurance requirements which means you are required to buy a minimum amount of liability insurance if you don't want to risk a ticket. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If you have a lien on your vehicle, it's most likely the lender will make it a condition of the loan that you have insurance to ensure loan repayment if the vehicle is totaled. If you do not pay your insurance premiums, the lender may have to buy a policy to insure your Volkswagen at a much higher premium rate and force you to pay a much higher amount than you were paying before.
  • Insurance safeguards both your car and your assets. Insurance will pay for many types of medical costs for yourself as well as anyone injured by you. As part of your policy, liability insurance also pays expenses related to your legal defense if anyone sues you for causing an accident. If your car is damaged in a storm or accident, comprehensive (other-than-collision) and collision coverage will pay to have it repaired.

The benefits of carrying enough insurance definitely exceed the cost, especially when you need to use it. The average driver in Texas is overpaying over $820 a year so it's important to compare rates at every policy renewal to save money.

You can find cheap coverage

Some insurance companies do not provide the ability to get a quote online and these regional insurance providers work with independent agents. Lower-priced insurance in Lubbock is definitely available both online as well as from insurance agents, so you need to compare both in order to have the best chance of saving money.

As you go through the steps to switch your coverage, make sure you don't skimp on critical coverages to save a buck or two. In many cases, consumers will sacrifice physical damage coverage to discover at claim time that it was a big mistake. Your goal is to buy enough coverage at a price you can afford and still be able to protect your assets.

How to save on Volkswagen Tiguan insurance in Lubbock

If you want to find the absolute lowest rates, then the best way to get low-cost Volkswagen Tiguan insurance in Lubbock is to compare prices annually from companies in Texas. Price quotes can be compared by completing these steps.

  1. Try to understand how companies price auto insurance and the modifications you can make to prevent high rates. Many risk factors that cause high rates like multiple speeding tickets and a bad credit rating can be remedied by making minor changes to your lifestyle.
  2. Compare price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only quote rates from a single company like GEICO or State Farm, while agents who are independent can provide rate quotes for many different companies.
  3. Compare the price quotes to your existing rates to see if you can save by switching companies. If you find a better price and decide to switch, make sure coverage is continuous and does not lapse.
  4. Tell your current company to cancel your current policy and submit a signed application and payment to the new company. Don't forget to place the new certificate verifying coverage in your glove compartment.

A valuable tip to remember is to try to use similar coverage information on each quote and and to get rate quotes from all possible companies. This enables an accurate price comparison and the best price selection.

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