How many times have you said it’s time to compare cheaper Volkswagen Tiguan insurance in San Jose? Finding better insurance prices for your Volkswagen Tiguan in California can turn out to be an all-consuming task, but you can learn our auto insurance buying tips and make it easy.
There are both good and bad ways to buy auto insurance and we’ll show you the best way to get price quotes for your Volkswagen and find the lowest possible price either online or from San Jose insurance agents.
Consumers need to do rate comparisons before your policy renews since insurance prices change frequently. If you had the best price on Volkswagen Tiguan insurance in San Jose a year ago the chances are good that you can find a lower rate today. Block out anything you think you know about auto insurance because I’m going to teach you the best methods to lower your annual insurance bill.
If you have insurance now or just want to reduce your rates, use these tips to cut your premiums and still get good coverage. Quoting and comparing rates for more affordable car insurance in San Jose is actually quite simple. Comparison shoppers just need to know the most time-saving way to shop their coverage around online.
Affordable San Jose Volkswagen Tiguan insurance price quotes online
Finding low cost San Jose car insurance quotes is a fairly straight forward process. Just take a couple of minutes to compare rates provided by online insurance companies.
The companies shown below offer quotes in California. If more than one company is shown, we recommend you click on several of them to get the best price comparison.
Discounts can help to save on Volkswagen Tiguan insurance in San Jose
Insuring your vehicles can cost a lot, but there’s a good chance there are discounts that may help make it more affordable. Certain credits will be shown when you complete an application, but occasionally some discounts must be specially asked for before you get the savings. If you are not receiving all the discounts you deserve, you are just wasting money.
- Own a Home and Save – Being a homeowner can save you money since home ownership requires personal responsibility.
- Paperless Signup – Some of the larger companies will provide an incentive for signing up on your computer.
- Pay Early and Save – If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
- Military Discounts – Being deployed with a military unit may lower your premium rates slightly.
- Include Life Insurance and Save – Larger insurance companies have a discount if you purchase a life policy as well.
- Senior Citizen Rates – Drivers over the age of 55 could receive better insurance rates.
- Low Mileage Discounts – Fewer annual miles on your Volkswagen can qualify you for slightly better prices than normal.
- Multi-car Discount – Buying a policy with primary and secondary vehicles on the same insurance policy can get a discount on all vehicles.
- Good Grades Discount – This discount can get you a discount of up to 25%. This discount can apply up to age 25.
- No Charge for an Accident – This one is not really a discount per se, but companies like State Farm and GEICO permit an accident before your rates go up as long as you don’t have any claims for a certain period of time.
A quick disclaimer, most discount credits are not given to the overall cost of the policy. Some only reduce the price of certain insurance coverages like collision or personal injury protection. Despite the fact that it seems like adding up those discounts means a free policy, insurance companies aren’t that generous.
The illustration below illustrates the comparison of Volkswagen Tiguan insurance prices with and without discounts applied to the premium. The costs are based on a male driver, no claims or driving citations, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, marriage, multi-policy, safe-driver, and homeowner discounts applied.
A list of insurance companies and their possible discounts are detailed below.
- Farmers Insurance has savings for pay in full, switch companies, good student, multi-car, early shopping, teen driver, and business and professional.
- Esurance offers discounts including paid-in-full, good student, DriveSense, online shopper, claim free, homeowner, and Switch & Save.
- State Farm includes discounts for accident-free, anti-theft, good driver, driver’s education, student away at school, safe vehicle, and Drive Safe & Save.
- GEICO policyholders can earn discounts including five-year accident-free, federal employee, seat belt use, multi-policy, and air bags.
- Allstate may include discounts for economy car, premier discount, defensive driver, EZ pay plan discount, resident student, and utility vehicle.
Before buying, ask each company or agent how many discounts you can get. Savings might not be available to policyholders in every state. To find providers offering insurance discounts in California, click here to view.
Volkswagen Tiguan insurance rate analysis
The coverage table shown below outlines different insurance premium costs for Volkswagen Tiguan models. Having knowledge of how insurance rates are figured helps drivers make smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tiguan S 2WD | $380 | $686 | $376 | $22 | $112 | $1,576 | $131 |
| Tiguan S 2WD | $380 | $686 | $376 | $22 | $112 | $1,576 | $131 |
| Tiguan SE 4Motion AWD | $430 | $810 | $376 | $22 | $112 | $1,750 | $146 |
| Tiguan SEL 4Motion AWD | $430 | $810 | $376 | $22 | $112 | $1,750 | $146 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Prices do not factor in the specific area where the vehicle is garaged which can raise or lower prices significantly.
Policy deductibles
When buying insurance, a common question is how low should you set your deductibles. The comparison tables below can help you understand the cost difference of buying low and high deductibles. The first data set uses a $100 deductible for physical damage and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tiguan S 2WD | $380 | $686 | $376 | $22 | $112 | $1,601 | $133 |
| Tiguan S 2WD | $380 | $686 | $376 | $22 | $112 | $1,601 | $133 |
| Tiguan SE 4Motion AWD | $430 | $810 | $376 | $22 | $112 | $1,775 | $148 |
| Tiguan SEL 4Motion AWD | $430 | $810 | $376 | $22 | $112 | $1,775 | $148 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tiguan S 2WD | $278 | $464 | $376 | $22 | $112 | $1,252 | $104 |
| Tiguan S 2WD | $278 | $464 | $376 | $22 | $112 | $1,252 | $104 |
| Tiguan SE 4Motion AWD | $314 | $546 | $376 | $22 | $112 | $1,370 | $114 |
| Tiguan SEL 4Motion AWD | $314 | $546 | $376 | $22 | $112 | $1,370 | $114 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Prices do not factor in San Jose location which can revise insurance rates greatly.
Using the data above, we can ascertain that using a $100 deductible costs about $32 more each month or $384 a year across all Volkswagen Tiguan models than quoting the higher $500 deductible. Since you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you have at a minimum 13 months between claims, you would probably come out ahead by selecting a higher deductible.
The example below demonstrates how deductible levels and can impact Volkswagen Tiguan insurance premiums for different age groups. The data assumes a single male driver, full coverage, and no other discounts are factored in.
Cautious drivers save money
The diagram below illustrates how violations and accident claims drive up Volkswagen Tiguan insurance rates for different insured age categories. The premiums are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.
Male drivers versus female drivers
The illustration below visualizes the comparison of Volkswagen Tiguan insurance costs for male and female drivers. The premiums are based on no claims or violations, full physical damage coverage, $100 deductibles, drivers are single, and no discounts are applied to the premium.
Liability only or full coverage
The information below compares Volkswagen Tiguan auto insurance costs with and without full coverage. The rate quotes are based on a clean driving record, no at-fault accidents, $100 deductibles, marital status is single, and no other discounts are factored in.
Deciding between full coverage and liability only
There is no exact formula to delete full coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is about 10% or more of any settlement you would receive from your insurance company, then it might be time to buy liability only.
For example, let’s assume your Volkswagen Tiguan settlement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company will settle for is $6,000 after the deductible is paid. If it’s costing you more than $600 annually for full coverage, then you might want to think about dropping full coverage.
There are a few situations where dropping physical damage coverage is not a good idea. If you still have a loan on your vehicle, you must maintain physical damage coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not remove full coverage.
Car insurance agents can give valuable advice
Some consumers would prefer to sit down and talk to an agent and doing that can be a smart decision Agents are highly skilled in risk management and will help you if you have claims. One of the benefits of comparing car insurance online is that drivers can save money and get cheap car insurance rates and also buy local. Buying from small agencies is important especially in San Jose.
Upon completion of this form (opens in new window), your insurance coverage information is submitted to insurance agents in San Jose that can give you free San Jose car insurance quotes to get your business. It simplifies rate comparisons since you won’t have to drive around due to the fact that quote results will go immediately to your email address. If you have a need to quote rates from a particular provider, just find their quoting web page to submit a rate quote request.
Multiple types of car insurance agents in San Jose
If you are wanting to find a reliable agent, there are a couple of different agency structures to choose from. Car insurance agents in San Jose are categorized either independent or exclusive. Either one can sell car insurance policies, but it’s worth learning the difference in the companies they write for because it may have an impact on the kind of agent you use.
Independent Agents
Agents that choose to be independent often have affiliation with several companies so they can insure your vehicles with multiple insurance companies and find you the best rates. If you are not satisfied with one company, they simply move your policy to a different company and the insured can keep the same agent. When shopping rates, we highly recommend that you compare quotes from at a minimum one independent agency in order to compare the most rates. Most have the option of insuring with additional companies that you may not be familiar with who may have lower rates.
Below is a short list of independent agents in San Jose that may be able to give you pricing information.
- Cya Insurance Agency From Sn
1271 Story Rd #50 – San Jose, CA 95122 – (408) 971-4172 – View Map - LNA Insurance Agency Inc
999 Story Rd – San Jose, CA 95122 – (408) 280-5815 – View Map - Mission Counties Insurance Agency
1777 Hamilton Ave – San Jose, CA 95125 – (408) 979-8160 – View Map
Exclusive Insurance Agencies
Agents that elect to be exclusive can only quote rates from one company such as State Farm, AAA, Farmers Insurance or Allstate. These agents are not able to provide prices from multiple companies so they have no alternatives for high prices. Exclusive agents receive a lot of sales training on sales techniques which helps them sell insurance even at higher premiums. Some people will only choose to use an exclusive agent primarily because of the brand rather than low rates.
The following is a list of exclusive insurance agencies in San Jose that can give you price quote information.
- Burch Boehner – State Farm Insurance Agent
201 E Taylor St #2 – San Jose, CA 95112 – (408) 287-8190 – View Map - Gary Sanchez – State Farm Insurance Agent
2053 Lincoln Ave a – San Jose, CA 95125 – (408) 269-5001 – View Map - Mike Murillo – State Farm Insurance Agent
1449 Park Ave #3 – San Jose, CA 95126 – (408) 295-0554 – View Map
Choosing an insurance agent is decision based upon more than just a cheap quote. A good agent in San Jose will have answers to these questions.
- What are the financial ratings for the companies they represent?
- Is the quote a firm price?
- Is the coverage adequate for your vehicle?
- How will an accident affect your rates?
- Is there a 24/7 contact number?
- Are aftermarket or OEM parts used to repair vehicles?
- Are claims handled at the agent’s location?
- Do they regularly work with personal auto policies in San Jose?
Once you have good answers to any questions you may have and an acceptable price quote, you have narrowed it down to an insurance agency that can provide car insurance coverage. Just be aware that it’s your coverage and you can cancel your policy whenever you want so don’t think you’re contractually obligated to a policy for the full term.
Insurance does more than just protect your car
Despite the high cost, paying for insurance may be required for several reasons.
- Almost all states have compulsory liability insurance requirements which means you are required to carry a specific minimum amount of liability insurance in order to be legal. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your Volkswagen Tiguan has a loan, most lenders will force you to have comprehensive coverage to guarantee loan repayment. If the policy lapses, the bank will be required to insure your Volkswagen at an extremely high rate and force you to reimburse them the higher premium.
- Insurance protects both your Volkswagen and your assets. It will also pay for medical expenses for you, any passengers, and anyone injured in an accident. One policy coverage, liability insurance, also pays expenses related to your legal defense if you are sued as the result of your driving. If you have damage to your Volkswagen as the result of the weather or an accident, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.
The benefits of carrying enough insurance outweigh the cost, particularly for liability claims. Unknowingly, the average driver overpays more than $865 each year so you should quote your policy with other companies every year to save money.
Car insurance coverage basics
Having a good grasp of your car insurance policy aids in choosing which coverages you need and proper limits and deductibles. Car insurance terms can be confusing and even agents have difficulty translating policy wording.
Coverage for uninsured or underinsured drivers
Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Volkswagen Tiguan.
Since a lot of drivers carry very low liability coverage limits (which is 15/30/5), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently the UM/UIM limits are identical to your policy’s liability coverage.
Collision protection
Collision insurance pays for damage to your Tiguan from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.
Collision insurance covers things such as colliding with a tree, rolling your car, hitting a mailbox and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible on your Tiguan to get cheaper collision coverage.
Comprehensive car insurance
Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive insurance covers claims like damage from getting keyed, damage from a tornado or hurricane, theft, hitting a bird and damage from flooding. The highest amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Coverage for medical expenses
Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as surgery, doctor visits, funeral costs, chiropractic care and X-ray expenses. They are utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible
Liability car insurance
Liability insurance protects you from injuries or damage you cause to other people or property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 15/30/5 which stand for a limit of $15,000 per injured person, $30,000 for the entire accident, and property damage coverage for $5,000. Another option is one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.
Liability insurance covers claims such as medical services, legal defense fees, emergency aid and court costs. The amount of liability coverage you purchase is your choice, but buy as much as you can afford. California state minimum liability requirements are 15/30/5 but you should think about purchasing more liability than the minimum.
The chart below shows why buying the state minimum limits may not be high enough to adequately cover claims.
Quote often and quote early
Cheaper car insurance in San Jose is available online as well as from insurance agents, so you need to quote San Jose car insurance with both to have the best chance of lowering rates. Some insurance companies do not offer online price quotes and most of the time these small, regional companies work with independent agents.
We covered a lot of information how to reduce Volkswagen Tiguan insurance premium rates online in San Jose. The key concept to understand is the more times you quote, the better your comparison will be. Consumers could even find that the best price on car insurance is with the least-expected company.
When you buy San Jose car insurance online, it’s a bad idea to sacrifice coverage to reduce premiums. There are many occasions where an accident victim reduced liability limits or collision coverage and discovered at claim time that they should have had better coverage. The goal is to find the BEST coverage at the lowest possible cost while not skimping on critical coverages.
Steps to buying cheaper Volkswagen Tiguan insurance in San Jose
The preferred way to find better pricing on auto insurance rates in San Jose is to do a yearly price comparison from providers that insure vehicles in California. You can compare prices by following these steps.
Step 1: Learn about policy coverages and the things you can change to keep rates in check. Many factors that increase rates like accidents, careless driving, and a poor credit score can be rectified by making lifestyle changes or driving safer.
Step 2: Compare rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give rate quotes from one company like GEICO or Farmers Insurance, while agents who are independent can provide price quotes from many different companies. Get quotes now
Step 3: Compare the new quotes to your existing coverage to see if a cheaper price is available in San Jose. If you find a lower rate quote and decide to switch, verify that coverage does not lapse between policies.
Step 4: Give notification to your agent or company of your intention to cancel your current coverage and submit payment and a completed application to the new company. When you receive it, keep the new proof of insurance certificate with the vehicle registration.
One key aspect when comparing rates is to make sure you’re comparing the same level of coverage on each quote and and to get rates from as many different companies as possible. Doing this helps ensure an accurate price comparison and a complete price analysis.
Additional information is located at the links below
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- What Insurance is Cheapest for Unemployed Drivers in San Jose? (FAQ)
- How Much is Auto Insurance for High School Students in San Jose? (FAQ)
- Who Has Cheap San Jose Car Insurance Quotes for a Subaru Outback? (FAQ)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- Rental Car Insurance Tips (Insurance Information Institute)