Find Affordable Volkswagen Tiguan Insurance in Cleveland

Regrettably, a large majority of consumers have stayed with the same insurance company for four years or more, and nearly half have never compared rates from other carriers. Ohio consumers could pocket approximately $729 a year by just comparing rate quotes, but they just assume it takes a lot of time to shop around.

Insurance rates Volkswagen Tiguan in ClevelandIf you want to save money, the best way to save on Volkswagen Tiguan insurance is to compare prices at least once a year from insurers who sell insurance in Cleveland.

An important bit of advice to remember is to try to compare identical deductibles and limits on each quote request and to quote with every insurance company. Doing this helps ensure the most accurate price comparison and a better comparison of the market.

Quote Cleveland Volkswagen Tiguan insurance online

The companies in the list below are our best choices to provide free quotes in Ohio. If you want to find cheap auto insurance in OH, it’s a good idea that you visit as many as you can to get the best price comparison.

Rates and data analysis

The rate information shown below outlines different insurance policy prices for Volkswagen Tiguan models. Learning a little about how car insurance premiums are established can help customers make decisions on the best policy coverages.

Volkswagen Tiguan Insurance Rates in Cleveland, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tiguan S 2WD $94 $182 $218 $12 $66 $572 $48
Tiguan S 2WD $94 $182 $218 $12 $66 $572 $48
Tiguan SE 4Motion AWD $106 $214 $218 $12 $66 $616 $51
Tiguan SEL 4Motion AWD $106 $214 $218 $12 $66 $616 $51
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Price information does not factor in your specific Cleveland location which can decrease or increase premiums noticeably.

Physical damage deductible comparison

One of the most common car insurance questions is how high or low should comp and collision deductibles be. The premium rates below outline the premium difference when you select higher and lower insurance deductibles. The first rate quote example uses a $100 physical damage coverage deductible and the second price table uses a $500 deductible.

Volkswagen Tiguan insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tiguan S 2WD $196 $352 $192 $12 $58 $835 $70
Tiguan S 2WD $196 $352 $192 $12 $58 $835 $70
Tiguan SE 4Motion AWD $220 $416 $192 $12 $58 $923 $77
Tiguan SEL 4Motion AWD $220 $416 $192 $12 $58 $923 $77
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Volkswagen Tiguan insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tiguan S 2WD $142 $238 $192 $12 $58 $642 $54
Tiguan S 2WD $142 $238 $192 $12 $58 $642 $54
Tiguan SE 4Motion AWD $160 $280 $192 $12 $58 $702 $59
Tiguan SEL 4Motion AWD $160 $280 $192 $12 $58 $702 $59
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Rate information does not factor in the specific area where the vehicle is garaged which can alter coverage prices substantially.

Based on the above data, using a $100 deductible costs about $17 more each month or $204 a year than quoting the higher $500 deductible. Due to the fact that you would have to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you usually have at least 24 months between claims, you would probably be better off if you elect the higher deductible.

How violations and accidents impact rates

The chart below illustrates how speeding tickets and accidents can raise Volkswagen Tiguan car insurance rates for each different age category. The premiums are based on a married female driver, full coverage, $250 deductibles, and no additional discounts are factored in.

Volkswagen Tiguan insurance premiums by gender in Cleveland

The illustration below compares Volkswagen Tiguan auto insurance costs for male and female drivers. The prices are based on no claims or driving violations, comp and collision included, $250 deductibles, marital status is single, and no additional discounts are factored in.

How much more does full coverage cost?

The illustration below illustrates the difference between Volkswagen Tiguan auto insurance rates when comparing full coverage to state minimum liability only. The rate quotes are based on no tickets, no at-fault accidents, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.

Should you pay for full coverage?

There is no clear-cut formula to drop comprehensive and collision coverage on your policy, but there is a guideline you can use. If the yearly cost of full coverage is 10% or more of the settlement you would receive from your company, then you might want to consider buying only liability coverage.

For example, let’s pretend your Volkswagen Tiguan replacement value is $9,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company would pay you is $8,000 after paying the physical damage deductible. If it’s costing you more than $800 a year for full coverage, the it may be a good time to stop paying for full coverage.

There are some situations where buying only liability insurance is not in your best interest. If you haven’t paid off your loan, you have to maintain full coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not opt for liability only.

Buy Cheaper Auto Insurance with These Tips

The best way to find cheaper auto insurance is to take a look at the rating factors that help calculate your premiums. If you have a feel for what influences your rates, this enables informed choices that could result in better auto insurance rates.

Claim-free discounts can add up – If you are a frequent claim filer, you can definitely plan on much higher rates or policy non-renewal. Car insurance companies in Ohio generally give most affordable rates to insureds that do not abuse their auto insurance. Your insurance policy is meant to be used in the event of more catastrophic claims.

Don’t cut corners with liability coverage – A critical coverage on your policy, liability insurance is the coverage that protects you in the event that you are found liable for an accident. Liability provides legal defense up to the limits shown on your policy. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.

Lower rates for married couples – Having a spouse actually saves money on auto insurance. Marriage translates into being more responsible and statistics show drivers who are married are more cautious.

Premiums go up with performance – The performance of the vehicle you need insurance for makes a significant difference in your rates. The lowest premiums are usually for low performance passenger cars, but your final cost has many other factors.

The data below assumes a single male driver age 50, full coverage with $1000 deductibles, and no discounts or violations. The data compares Volkswagen Tiguan car insurance rates compared to other makes and models that have a range of risk factors.

Gaps in coverage mean higher auto insurance rates – Driving with no insurance is a misdemeanor and companies may charge more for letting your insurance lapse for non-payment. And not only will insurance be more expensive, failure to provide proof of insurance may earn you a steep fine or even jail time.

Volkswagen Tiguan statistical loss data – Auto insurance companies use statistical claims data to help determine the rate you pay. Models that the statistics show to have higher losses will be charged more to insure. The table below shows the historical loss data for Volkswagen Tiguan vehicles.

For each policy coverage, the statistical loss for all vehicles averaged together is a value of 100. Values that are under 100 suggest a better than average loss history, while numbers above 100 point to more losses or tendency to have higher losses.

Volkswagen Tiguan Insurance Claim Statistics
Vehicle Make and 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

Auto insurance just makes sense

Even though it’s not necessarily cheap to insure a Volkswagen in Cleveland, auto insurance may be mandatory for several reasons.

The benefits of buying enough insurance definitely exceed the cost, especially when you need to use it. An average driver in America is wasting up to $810 a year so you should quote and compare rates each time the policy renews to be sure current rates are still competitive.