Buyers have lots of choices when searching for low-cost Volkswagen Tiguan insurance. You can either spend your time struggling with agents getting price quotes or save time using the internet to find the lowest rates.
There are both good and bad ways to compare auto insurance rates so we’re going to tell you the best way to get price quotes for your Volkswagen and locate the lowest possible price either online or from local insurance agents.
It’s a good habit to check auto insurance prices at least once a year due to the fact that insurance rates trend upward over time. Just because you found the best price for Tiguan insurance on your last policy you can probably find a lower rate today. Don’t believe everything you read about auto insurance online, so I’m going to show you some great ideas on how to put money back in your pocket.
Auto Insurance Comparison Rates
There are several ways to shop for auto insurance, but one way is less time-consuming than others. You can waste a few hours (or days) talking about coverages with insurance companies in your area, or you can stay home and use online quoting to accomplish the same thing much quicker.
Most of the larger companies enroll in a system that allows shoppers to only type in their quote data once, and every company can provide price quotes based on the submitted data. This eliminates the need for quote requests to every company.
To find out what other companies charge click to open in new window.
The only downside to pricing coverage this way is that consumers can’t choose the companies to get quotes from. So if you want to choose from a list of companies to compare rates, we have assembled a list of the cheapest auto insurance companies in your area. Click here to view list.
Which method you use is up to you, but make absolute certain that you use identical coverage limits with every price quote. If you use differing limits it’s not possible to find the best deal for your Volkswagen Tiguan. Slightly different coverages could mean much higher rates. And when comparison shopping, more quotes provides better odds of finding a better price.
But buying car insurance online seems impersonal
A small number of people would rather talk to a local agent. The best thing about getting online price quotes is you can get lower rates and still choose a local agent. And providing support for local agencies is important particularly if you live in a smaller city or town.
After completing this simple form, your information is immediately sent to agents in your area who will battle for your business. You don’t have to leave your house since price quotes are sent directly to your email. How’s that for easy! You’ll get the best rates AND a local agent.
Insurance agents come in two varieties
When searching for a local agent, there are two types of insurance agents that differ in how they can insure your vehicles. agents can either be independent or captive.
Independent Agencies or Brokers
Independent agents are not locked into one company so they have the ability to put coverage with lots of companies depending on which coverage is best. If your agent finds better pricing, the business is moved internally and that require little work on your part. When searching for an agent, you should always get quotes from multiple independent agents for maximum quote selection. They also have the ability to place coverage with different regional companies which can be an advantage.
Captive Insurance Agents
These agents have only one company to place business with and some examples include Liberty Mutual, Allstate, Farmers Insurance or State Farm. Captives cannot provide prices from multiple companies so they have to upsell other benefits. Captive agencies are well schooled on the products they sell which can be an advantage. Some people will only buy from captive agents mainly due to loyalty to the company and the convenience of having a single billing for all their coverages.
For a complete listing of agencies, click here.
Choosing an insurance agent requires more thought than just the bottom line cost. Ask your prospective agent these questions:
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Does the agency support the community they serve?
- Did they already check your driving record and credit reports?
- If your car is in the repair shop, do you have coverage for a rental car?
- Is assistance available after office hours?
- What will you get paid if your car is a total loss? How is that amount determined?
- How much can you save by raising your physical damage deductibles?
Once you have satisfactory answers to these questions and a low price estimate, you’ve probably found an insurance agent that will properly service your auto insurance policy.
