Do you get exhausted from robbing Peter to pay Paul each month for insurance? You are in the same boat as many other Pennsylvania consumers.
It’s a fact that insurance companies don’t want policyholders to compare prices from other companies. People who compare rates annually are highly likely to switch companies because there is a good probability of finding better rates. Remarkably, a study showed that people who compared prices once a year saved about $3,500 over four years as compared to drivers who didn’t regularly shop around.
If finding the best price on insurance is your ultimate target, then having a grasp of the best way to compare auto insurance can help simplify the task of finding more affordable coverage. Because you have many options for buying cheaper insurance for a Volkswagen Tiguan in Philadelphia, it can be difficult for drivers to locate a more affordable company.
You should take the time to take a look at other company’s rates as often as possible due to the fact that insurance prices are constantly changing. Despite the fact that you may have had the best quotes on Volkswagen Tiguan insurance in Philadelphia a few years ago a different company probably has better rates today. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to one of the easiest ways to save money, get proper deductibles and limits, all at the lowest rate.
Lowering your Volkswagen Tiguan car insurance rates is surprisingly easy. All you need to do is take time getting comparison quotes to see which company has low cost Philadelphia auto insurance quotes.
It’s so easy to compare quotes online that it takes the place of having to drive around to insurance agencies in your area. Comparing Volkswagen Tiguan insurance rate quotes online eliminates this option unless you have a complicated situation and need the professional assistance that you can only get from talking to an agent. Although, it is possible comparison shop online but buy from a local insurance agent.
The following companies have been selected to offer quotes in Pennsylvania. If multiple companies are shown, we recommend you get price quotes from several of them to get the cheapest price.
Premium rates and analysis
The rate information shown below covers a range of insurance premium costs for Volkswagen Tiguan models. Learning how premiums are formulated can aid in making informed decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Tiguan S 2WD||$154||$310||$338||$20||$102||$924||$77|
|Tiguan S 2WD||$154||$310||$338||$20||$102||$924||$77|
|Tiguan SE 4Motion AWD||$174||$366||$338||$20||$102||$1,000||$83|
|Tiguan SEL 4Motion AWD||$174||$366||$338||$20||$102||$1,000||$83|
|Get Your Own Customized Quote Go|
Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Price estimates do not factor in vehicle location which can impact rates noticeably.
The chart below demonstrates how deductibles and can raise or lower Volkswagen Tiguan insurance rates for different age groups of insureds. The prices are based on a single male driver, full coverage, and no additional discounts are factored in.
Volkswagen Tiguan liability rates compared to full coverage
The illustration below illustrates the comparison of Volkswagen Tiguan car insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Pennsylvania. The rates are based on no violations or accidents, $1,000 deductibles, marital status is single, and no other discounts are factored in.
Should you be buying full coverage?
There is no set guideline for eliminating full coverage, but there is a general guideline. If the yearly cost of comp and collision coverage is more than about 10% of the replacement cost minus the deductible, then it could be time to drop full coverage.
For example, let’s pretend your Volkswagen Tiguan replacement cost is $9,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $8,000 after the deductible is paid. If premiums are more than $800 annually to have full coverage, then it might be time to consider dropping full coverage.
There are some circumstances where eliminating full coverage is not a good idea. If you still have a loan on your vehicle, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not buy liability only.
When should I have guidance from an insurance agency?
Some people would rather get advice from a local agent and that is a personal choice. Professional insurance agents can make sure you are properly covered and help submit paperwork. A good thing about getting online price quotes is that you can obtain cheap car insurance quotes and still buy from a local agent.
By using this short form, the coverage information is transmitted to participating agents in Philadelphia who will give competitive quotes for your insurance coverage. There is no need to leave your computer because prices are sent immediately to you. If you have a need to get a comparison quote from a particular provider, you would need to jump over to their website and submit a quote form there.
Finding a good insurance company should depend on more than just the bottom line cost. Any agent in Philadelphia should be forthright in answering these questions:
- Can you contact them at any time?
- If your car is in the repair shop, do you have coverage for a rental car?
- Will one accident increase rates?
- Is assistance available after office hours?
- Did they already check your driving record and credit reports?
- Does their agency support local causes in Philadelphia?
- Are aftermarket or OEM parts used to repair vehicles?
Different types of car insurance agents in Philadelphia
If you want to buy car insurance from a reliable insurance agent, there are two different types of agencies and how they operate. Philadelphia agents are considered either independent or exclusive. Either one can insure your vehicles properly, but we need to point out how they are different since it can impact which agent you choose.
Agents of this type can only place business with one company such as Farmers Insurance and State Farm. Exclusive agents cannot shop your coverage around so they have to upsell other benefits. They are very knowledgeable on what they offer which helps them sell insurance even at higher premiums.
Below is a list of exclusive agents in Philadelphia who can help you get rate quotes.
George Kweder – State Farm Insurance Agent
1521 W Oregon Ave – Philadelphia, PA 19145 – (215) 467-1837 – View Map
Independent Agents (or Brokers)
These type of agents do not have single company limitations so they have the ability to put coverage through many companies and get you the best rates possible. If premiums increase, your policy is moved internally and you don’t have to do anything. If you need cheaper car insurance rates, we highly recommend that you include rate quotes from at a minimum one independent agency to ensure the widest selection of prices.
The following are independent insurance agents in Philadelphia who can help you get price quote information.