Cheap Volkswagen Tiguan Insurance in Orlando

It takes a few minutes, but the best way to find affordable quotes for Volkswagen Tiguan insurance in Orlando is to do an annual price comparison from insurers who sell insurance in Florida.

First, take a few minutes and learn about the different coverages in a policy and the things you can change to keep rates in check. Many policy risk factors that increase rates such as multiple speeding tickets and a negative credit rating can be rectified by being financially responsible and driving safely. Read the full article for ideas to help keep prices low and find missing discounts.

Second, compare rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give prices from a single company like GEICO and State Farm, while independent agents can give you price quotes for a wide range of insurance providers.

Third, compare the new rates to the price on your current policy to see if you can save by switching companies. If you find better rates, make sure coverage is continuous and does not lapse.

One thing to point out is that you use the same liability limits and deductibles on each price quote and and to get price estimates from as many different companies as possible. This provides an apples-to-apples comparison and the most accurate and complete price analysis.

Insurance for Volkswagen TiguanAnyone knows that car insurance companies don’t want customers comparing rates. People who shop for lower rates are highly likely to buy a different policy because they stand a good chance of finding a policy with more affordable rates. A recent survey revealed that people who routinely compared rates saved as much as $72 a month compared to other drivers who never compared rates.

If finding the best price on insurance is why you’re here, then having some knowledge of how to shop for car insurance can save time and make the process easier.

Compare quotes for Orlando Volkswagen Tiguan insurance

The companies shown below have been selected to offer free rate quotes in Florida. If you want cheap car insurance in Orlando, we recommend you click on several of them to get the best price comparison.

Car insurance statistics and figures

The table below covers estimates of insurance rates for Volkswagen Tiguan models. Learning a little about how insurance rates are formulated helps drivers make smart choices when buying a policy.

Volkswagen Tiguan Insurance Rates in Orlando, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tiguan S 2WD $226 $430 $372 $22 $112 $1,162 $97
Tiguan S 2WD $226 $430 $372 $22 $112 $1,162 $97
Tiguan SE 4Motion AWD $254 $506 $372 $22 $112 $1,266 $106
Tiguan SEL 4Motion AWD $254 $506 $372 $22 $112 $1,266 $106
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Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Premium amounts do not factor in specific location information which can increase or decrease coverage prices substantially.

An analysis of deductible level

The hardest decision when buying coverage is where should you set your physical damage deductibles. The data tables below can help illustrate how much more you’ll pay when you select higher and lower deductibles. The first rate comparisons uses a $100 physical damage deductible and the second rate chart uses a $500 deductible.

Volkswagen Tiguan insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tiguan S 2WD $358 $648 $354 $20 $106 $1,511 $126
Tiguan S 2WD $358 $648 $354 $20 $106 $1,511 $126
Tiguan SE 4Motion AWD $406 $764 $354 $20 $106 $1,675 $140
Tiguan SEL 4Motion AWD $406 $764 $354 $20 $106 $1,675 $140
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Volkswagen Tiguan insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tiguan S 2WD $262 $438 $354 $20 $106 $1,180 $98
Tiguan S 2WD $262 $438 $354 $20 $106 $1,180 $98
Tiguan SE 4Motion AWD $296 $516 $354 $20 $106 $1,292 $108
Tiguan SEL 4Motion AWD $296 $516 $354 $20 $106 $1,292 $108
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Table data does not factor in the specific area where the vehicle is garaged which can affect insurance rates substantially.

Based on these figures, using a $100 deductible would cost the average driver about $30 more each month or $360 each year averaged for all Tiguan models than choosing the higher $500 deductible. Since you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you average at a minimum 13 months between claims, you would probably come out ahead if you elect the higher deductible. Below is the way you can make your own decision.

Average monthly premium for $100 deductibles: $133
Average monthly premium for $500 deductibles (subtract): – $103
Monthly savings from raising deductible: $30
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $30
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

An important sidenote is that raising deductibles results in a higher out-of-pocket expense when you have a claim. That will necessitate some extra savings in order to pay the higher deductible.

How violations and accidents impact rates

The information below highlights how speeding tickets and fender-benders drive up Volkswagen Tiguan insurance prices for different ages of insureds. The data is based on a single male driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.

Educated Choices Result in Lower Insurance Costs

Lots of factors are part of the equation when you get your auto insurance bill. Some factors are common sense like a motor vehicle report, but others are more obscure like where you live or your vehicle rating.

Listed below are just a few of the factors used by companies to determine your rate level.

Better auto insurance rates with anti-theft devices – Driving a car with a theft deterrent system can get you a discount on your auto insurance. Advanced theft deterrents such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all aid in stopping auto theft and help lower rates.

Better premiums for being claim-free – If you are a frequent claim filer, you should expect either a policy non-renewal or much higher rates. Auto insurance companies in Florida provide the lowest premiums to policyholders who are not frequent claim filers. Your car insurance is intended for the bigger claims that can’t be paid out-of-pocket.

Your address can impact premiums – Being located in areas with lower population has it’s advantages when trying to find low car insurance rates. People who live in big cities regularly have congested traffic and a longer drive to work. Fewer drivers on the road translates into fewer accidents as well as less vandalism and auto theft.

Cars with good safety ratings means cheaper auto insurance rates – Vehicles with good safety scores tend to have lower insurance rates. Safe vehicles help reduce the chance of injuries in an accident and better occupant protection means your insurance company pays less and more competitive rates for policyholders.

Raising comp and collision deductibles saves money – Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your vehicle. Some examples of covered claims are a windshield shattered by a rock, flood damage, and having your car stolen. The deductibles you choose are the amount of money you are willing to pay out-of-pocket in the event of a claim. The larger the amount you pay before a claim is paid (deductible), the less your company will charge you for insurance.

Teenagers are high risk – Older, more experienced drivers are viewed as being more responsible, tend to cause fewer accidents, and get fewer tickets. Inexperience drivers are proven to be inattentive when at the wheel of a vehicle and because of this, their auto insurance rates are much higher.

The following data uses these variables: single driver, full coverage with $250 deductibles, and no discounts or violations.

Males tend to take more risk – The statistics show that females tend to be a little less risky than males. It does not mean women are BETTER drivers than men. Females and males cause auto accidents at about the same rate, but guys have accidents that have higher claims. Not only that, but men also get more serious tickets such as driving while intoxicated (DWI) or driving recklessly. Youthful male drivers tend to get in the most accidents so they pay the highest premiums.

The illustration below visualizes the comparison of Volkswagen Tiguan annual premium costs for male and female drivers. The data is based on no claims, a clean driving record, full physical damage coverage, $250 deductibles, marital status is single, and no discounts are taken into consideration.

Insurance loss data for a Volkswagen Tiguan – Insurance companies use historical loss data when they set coverage costs for each model. Vehicles that the statistics show to have higher number or severity of losses will have increased rates.

The data below shows the loss history for Volkswagen Tiguan vehicles. For each insurance policy coverage type, the statistical loss for all vehicles compiled together is equal to 100. Percentage numbers below 100 imply a favorable loss record, while numbers shown that are more than 100 point to more losses or an increased chance of a larger loss.

Volkswagen Tiguan Insurance Claim Statistics
Specific Volkswagen 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

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Three reasons to insure your Tiguan

Despite the high insurance cost for a Volkswagen Tiguan in Orlando, car insurance may not be optional for several reasons.

The benefits of having insurance greatly outweigh the cost, specifically if you ever have a liability claim. The average driver in Florida overpays more than $810 a year so you should quote your policy with other companies at every policy renewal to be sure current rates are still competitive.

Ratings for Orlando car insurance companies

Insuring your vehicle with the highest-rated car insurance company can be difficult considering how many choices drivers have in Florida. The company ratings below may help you analyze which insurers to look at when shopping your coverage around.

Top 10 Orlando Car Insurance Companies Overall

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive