Paying for expensive Volkswagen Tiguan insurance in Irvine can dry up your family’s budget and possibly require you to analyze your spending habits. Comparing price quotes is free and is an excellent way to make sure you’re not throwing money away.
Unfortunately, nearly 70% of customers kept their coverage with the same car insurance company for over three years, and nearly the majority have never shopped around. The average driver in Irvine could pocket roughly 35% a year by just comparing rate quotes, but they don’t know the benefits if they bought a different policy.
How to find lower priced Volkswagen Tiguan insurance in Irvine
The best way to get budget Volkswagen Tiguan insurance is to do an annual price comparison from providers in Irvine. You can compare prices by following these guidelines.
- Try to learn about how insurance companies determine prices and the things you can control to prevent expensive coverage. Many risk factors that result in higher prices like accidents, traffic violations, and poor credit history can be amended by making minor driving habit or lifestyle changes.
- Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from a single company like Progressive or Farmers Insurance, while independent agents can give you price quotes for a wide range of insurance providers.
- Compare the new rate quotes to your existing policy to see if you can save by switching companies. If you find a lower rate, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Tell your current company of your decision to cancel your current car insurance policy and submit the required down payment along with the signed application to your new carrier. Immediately upon receiving it, keep the new certificate verifying coverage along with your vehicle registration.
The critical component of shopping around is to make sure you’re comparing similar coverage information on each quote request and and to get quotes from as many different insurance providers as possible. Doing this ensures a level playing field and a complete price analysis.
Since you have so many choices for buying affordable insurance for a Volkswagen Tiguan in Irvine, it can be challenging to pick the best car insurance company.
Our goal in writing this article help you learn how auto insurance companies operate and some tips to save money. If you currently have a car insurance policy, you will definitely be able to shop for the lowest rates using the ideas presented in this article. Although California drivers do need to learn how big insurance companies determine how much to charge and apply this information to your search.
Auto insurance statistics and figures
The coverage information displayed next covers a range of insurance policy prices for Volkswagen Tiguan models. Being more informed about how insurance policy premiums are determined can help drivers make smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tiguan S 2WD | $192 | $332 | $386 | $22 | $116 | $1,048 | $87 |
| Tiguan S 2WD | $192 | $332 | $386 | $22 | $116 | $1,048 | $87 |
| Tiguan SE 4Motion AWD | $216 | $392 | $386 | $22 | $116 | $1,132 | $94 |
| Tiguan SEL 4Motion AWD | $216 | $392 | $386 | $22 | $116 | $1,132 | $94 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Premium amounts do not factor in garaging location in Irvine which can impact price quotes significantly.
How violations and accidents impact rates
The chart below demonstrates how speeding tickets and accidents can influence Volkswagen Tiguan insurance costs for different age groups. Data assumes a married female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.
Rate comparison of men versus women in Irvine
The information below visualizes the comparison of Volkswagen Tiguan insurance premiums for male and female drivers. The rates are based on no claims or violations, comp and collision included, $1,000 deductibles, marital status is single, and no discounts are applied to the premium.
Difference between liability only and full coverage rates
The diagram below visualizes the comparison of Volkswagen Tiguan annual premium costs with full physical damage coverage compared to only buying liability only. The price estimates are based on no violations or claims, $500 deductibles, single status, and no discounts are applied.
When to drop comprehensive and collision
There is no clear-cut rule for excluding comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.
For example, let’s say your Volkswagen Tiguan settlement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would receive is $3,000 after paying the physical damage deductible. If you are paying over $300 a year to have full coverage, then you may want to consider only buying liability coverage.
There are some scenarios where dropping full coverage is not advised. If you still have a lienholder on your title, you must maintain physical damage coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not consider dropping full coverage.
What is the best car insurance company in California?
Insuring your vehicle with a highly-rated insurer can be rather challenging considering how many choices drivers have in California. The rank data below can help you select which auto insurers you want to consider when shopping around.
Top 10 Irvine Car Insurance Companies Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
Top 10 Irvine Car Insurance Companies Overall
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Car insurance coverage information
Knowing the specifics of your policy can help you determine which coverages you need at the best deductibles and correct limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy. These are typical coverage types offered by insurance companies.
Uninsured/Underinsured Motorist coverage
This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as damage to your Volkswagen Tiguan.
Since many California drivers carry very low liability coverage limits (15/30/5), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Normally the UM/UIM limits are set the same as your liability limits.
Medical payments coverage and PIP
Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like surgery, hospital visits, funeral costs and dental work. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage
Coverage for liability
This coverage can cover damages or injuries you inflict on people or other property by causing an accident. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 15/30/5 that translate to a limit of $15,000 per injured person, $30,000 for the entire accident, and $5,000 of coverage for damaged property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.
Liability coverage protects against claims such as repair costs for stationary objects, medical expenses, court costs and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford. California requires minimum liability limits of 15/30/5 but you should consider buying more liability than the minimum.
The illustration below demonstrates why the minimum limit may not be enough coverage.
Comprehensive coverage
Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things such as damage from a tornado or hurricane, hail damage, a tree branch falling on your vehicle and fire damage. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Collision coverage protection
This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage pays for claims such as damaging your car on a curb, driving through your garage door and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible on your Tiguan in order to get cheaper collision rates.
Compare but don’t skimp
When getting Irvine auto insurance quotes online, it’s very important that you do not skimp on critical coverages to save a buck or two. In many cases, drivers have reduced physical damage coverage and learned later that it was a big error on their part. Your goal should be to buy a smart amount of coverage at the best cost, but do not sacrifice coverage to save money.
Cheap Volkswagen Tiguan insurance in Irvine is definitely available both online and with local Irvine insurance agents, and you should compare rates from both to have the best rate selection. A few companies may not provide price quotes online and these smaller providers only sell coverage through independent agents.
Steps to finding cheaper Volkswagen Tiguan insurance in Irvine
If you want to save money, the best way to find affordable quotes for Volkswagen Tiguan insurance in Irvine is to regularly compare price quotes from insurers in California.
- First, spend a few minutes and learn about what coverages are included in your policy and the factors you can control to prevent expensive coverage. Many things that result in higher prices such as inattentive driving and a negative credit rating can be remedied by improving your driving habits or financial responsibility.
- Second, compare prices from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only provide price estimates from one company like Progressive or Allstate, while independent agencies can quote prices from many different companies.
- Third, compare the new rates to your existing coverage and determine if cheaper Tiguan coverage is available in Irvine. If you can save money and make a switch, ensure there is no coverage lapse between policies.
- Fourth, notify your agent or company to cancel your current policy and submit any necessary down payment along with the completed application for your new policy. As soon as coverage is bound, place your new proof of insurance certificate in a readily accessible location in your vehicle.
An important note is to try to compare the same coverage limits and deductibles on every price quote and and to get quotes from as many companies as possible. This enables an apples-to-apples comparison and a thorough price selection.
More detailed insurance information can be read by following these links:
- Think You’re a Safe Driver? (State Farm)
- Who Has Affordable Car Insurance Rates for Drivers with Accidents in Irvine? (FAQ)
- Understanding Car Crashes Video (iihs.org)
- Avoiding Deer Collisions (Insurance Information Institute)