There are many factors that contribute to your Volkswagen Tiguan insurance premiums. While you could contact several insurance companies to compare rates, it's smart to get in touch with an independent insurance agent so you can talk through your options with someone who can help you personalize your car insurance coverage.
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What Kind of Insurance Do You Need for Your Volkswagen Tiguan?
Bodily injury liability
If you cause an accident while driving your Tiguan, your bodily injury liability insurance policy pays the injured party's medical bills. Your policy may also pay legal fees, funeral costs, and loss of income for the other person. Without this coverage, you are financially responsible for paying those costs.
Property damage liability
Property damage liability coverage requirements differ from one state to the next. Talk with your agent about the minimum amount and whether it's smart to buy more coverage. In many cases, adding coverage costs very little and offers a great deal of protection.
Medical payments/Personal injury protection
You can buy medical payments or personal injury protection insurance, depending on your state's guidelines. This coverage pays for the necessary medical care that you and your passengers need as a result of a car accident.
Uninsured motorist coverage
If another driver causes an accident, they are typically responsible for paying to repair or replace your vehicle. However, if they don't have the right type or amount of auto insurance, you could be left with the bill. Uninsured and underinsured motorist coverage helps protect you from drivers who choose not to carry the appropriate amount of insurance.
Collision coverage is required if you have a loan on your Tiguan, but it may not be the best use of your money if you drive an older car that's paid off. This insurance pays to repair or replace your car if you hit another vehicle or an object.
Comprehensive coverage handles damage to your vehicle not caused by a collision. This may include damage caused by fire, theft, accidents with animals, vandalism, and natural disasters. If you have a loan or lease, comprehensive coverage may be required.
Windshield replacement costs hundreds of dollars, but probably isn't quite expensive enough to warrant an insurance claim. Glass coverage with zero deductible covers the cost of replacing broken glass and costs just a few dollars each month.
If you owe more on your Volkswagen Tiguan loan than its market value, gap coverage could provide a necessary layer of protection. Talk with your agent about how gap insurance could help bridge the "gap" between your outstanding loan balance and your Tiguan's fair market value.
What Affects the Cost of Insurance for Your Volkswagen Tiguan?
Annual mileage: You'll pay slightly higher premiums if you drive more than 10,000 to 15,000 miles each year.
Your driving record: Tiguan drivers who don't have a moving violation or at-fault accident on their records pay some of the lowest rates.
The value of your vehicle: Your Tiguan's value influences your insurance rates as well. High-value cars are typically more expensive to fix, which drives up insurance premiums.
Average Volkswagen Tiguan Insurance Costs
The average 40-year-old Volkswagen Tiguan driver pays $1,336 annually for full coverage auto insurance. Liability-only insurance rates are just $322 per year on average. Your rates may vary widely, though. Your agent can help you understand how to get the lowest premiums without sacrificing coverage.
The Safety of Your Volkswagen Tiguan
The National Highway Traffic Safety Administration (NHTSA) gave the 2015 Volkswagen Tiguan with all-wheel drive an overall four-star safety rating. Rearview video systems are optional with this model, and are recommended by the NHTSA to help avoid accidents. Vehicles with advanced safety technology can help you save money on insurance by aiding in crash prevention.
How Location Affects Your Volkswagen Tiguan Insurance
Tiguan drivers who live in large cities tend to pay more for auto insurance. Because location has such a profound effect on your insurance rates, it's crucial to connect with an agent in your area.
Average Volkswagen Tiguan annual insurance premiums
|Rural Areas:||Small Cities:||Large Cities:|
Additional Factors That Affect Your Volkswagen Tiguan Insurance Premiums
- Safety features like anti-theft devices
Average Cost to Insure a Volkswagen Tiguan
|Average annual cost to insure a Volkswagen Tiguan with full coverage:||$1,336|
|Top three most expensive states for Volkswagen Tiguan insurance:|
|Louisiana, New York, and Michigan||$1,910|
|Top three most affordable states for Volkswagen Tiguan insurance:|
|Vermont, New Hampshire, and Missouri||$1,030|
Top Independent Insurance Companies That Insure the Volkswagen Tiguan
According to a recent US Independent Insurance Agent Satisfaction Study by JD Power, the following companies provide excellent service to their insurance customers:
Get a Volkswagen Tiguan Quote
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TrustedChoice.com Article | Reviewed by Greg Safford
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IIHS, Consumer Reports, Quote Inspector, iii.org, JD Power, Volkswagen Tiguan and Driver