Compare Volkswagen Tiguan Insurance Quotes in Chicago

Having to pay for high-priced insurance in Chicago can bottom out your family’s budget and force you to make tough financial choices.

Unbelievable but true according to a study about 70% of customers have bought insurance from the same company for more than four years, and almost half have never taken the time to shop around. Chicago drivers can cut their rates by about 40% a year, but they just don’t understand the actual amount they would save if they bought a different policy.

Because you have many companies and agents to choose from, it’s difficult to locate the best company.

Get cheaper rates on Volkswagen Tiguan insurance in Chicago with these insurance discounts

Insurance is not inexpensive, but there could be significant discounts that can dramatically reduce your bill. Most are applied when you complete an application, but some must be asked about before they will apply.

• Good Student Discount – Excelling in school can save 20 to 25%. You can use this discount normally until age 25.
• Senior Citizen Discount – Drivers that qualify as senior citizens may qualify for a discount up to 10%.
• Clubs and Organizations – Participating in specific professional or occupational memberships or organizations is a good way to get lower rates when getting a Chicago auto insurance quote.
• Responsible Drivers – Insureds without accidents can pay as much as 50% less than drivers with accident claims.
• Early Renewal Discounts – A few companies offer discounts for buying a new policy before your current Tiguan insurance policy expires. You can save around 10% with this discount.
• Passenger Safety Discount – Factory options such as air bags or motorized seat belts can receive discounts of 20 to 30 percent.
• Buy New and Save – Insuring a new Tiguan is cheaper compared to insuring an older model.
• Anti-theft System – Cars, trucks, and SUVs optioned with advanced anti-theft systems are less likely to be stolen and will qualify for a discount on a Chicago auto insurance quote.
• Military Rewards – Having a family member in the military could qualify you for better prices.

Keep in mind that some credits don’t apply to the whole policy. Some only reduce the cost of specific coverages such as medical payments or collision. So when the math indicates you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

A list of insurance companies and a partial list of their discounts are outlined below.

• State Farm may offer discounts for anti-theft, passive restraint, good driver, accident-free, and Drive Safe & Save.
• Liberty Mutual may include discounts for new vehicle discount, safety features, multi-policy, hybrid vehicle, new graduate, and multi-car.
• American Family includes discounts for accident-free, bundled insurance, Steer into Savings, TimeAway discount, and defensive driver.
• Progressive offers discounts for online quote discount, homeowner, continuous coverage, multi-vehicle, online signing, and good student.
• Farmers Insurance offers discounts including alternative fuel, good student, business and professional, homeowner, mature driver, and bundle discounts.
• Auto-Owners Insurance discounts include air bags, student away at school, anti-lock brakes, paperless, and mature driver.
• SAFECO may have discounts that include multi-car, homeowner, safe driver, teen safe driver, and anti-lock brakes.

Before you buy a policy, ask every company how you can save money. Some discounts may not apply to policyholders in Chicago. To find insurers that offer the discounts shown above in Illinois, click here to view.

It’s important to know that making a lot of price comparisons helps locate more affordable insurance. Not every company allows you to get online Chicago Tiguan insurance quotes, so it’s important to compare rates from those companies as well.

The companies in the list below provide quotes in Chicago, IL. If the list has multiple companies, we recommend you compare several of them to get the best price comparison.

Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Illinois minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Premium amounts do not factor in vehicle location which can revise price quotes noticeably.

Policy deductible comparison

When shopping for auto insurance, a common question is how high should the deductibles for physical damage be. The following tables may help you to understand the costs and benefits when you choose different physical damage deductibles. The first rate quote example uses a $100 deductible for comp and collision and the second pricing table uses a $1,000 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Illinois minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Premium amounts do not factor in Chicago location which can increase or decrease coverage prices considerably.

Based on the data above, we can derive that using a $100 deductible costs about $28 more each month or $336 for a full year than choosing the higher $1,000 deductible. Because you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you go at a minimum 32 months between claims, you would save money by selecting a higher deductible.

Volkswagen Tiguan liability rates compared to full coverage

The diagram below illustrates the comparison of Volkswagen Tiguan car insurance rates with and without full coverage. The data is based on no violations or accidents, $500 deductibles, single male driver, and no discounts are taken into consideration.

When to stop buying physical damage coverage

There is no definitive rule to exclude physical damage coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is about 10% or more of the settlement you would receive from your company, then you may want to consider only buying liability coverage.

For example, let’s say your Volkswagen Tiguan book value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, you would only receive $3,000 after the policy deductible has been paid. If it’s costing in excess of $300 annually for full coverage, then it’s probably a good time to buy liability coverage only.

There are some circumstances where removing full coverage is not recommended. If you still have a loan on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not opt for liability only.

Impact of speeding/accidents on Chicago auto insurance rates

The example below shows how speeding tickets and accidents can increase Volkswagen Tiguan annual premium costs for each different age group. Data assumes a single male driver, full physical damage coverage, $100 deductibles, and no policy discounts are applied.

Neighborhood insurance agents

A lot of people prefer to sit down with an agent and that is not a bad decision A nice benefit of comparing rate quotes online is the fact that you can find lower rates and still have an agent to talk to.

To find an agent, once you fill out this short form, your insurance data is instantly submitted to agents in your area who want to provide quotes to get your business. You won’t even need to find an agent on your own since rate quotes are delivered to the email address you provide. You can get cheaper insurance rates without having to waste a lot of time. If for some reason you want to get a comparison quote for a specific company, feel free to find their quoting web page to submit a rate quote request.

Selecting an insurer shouldn’t rely on just the quoted price. A good agent in Chicago will have answers to these questions.

• Are there any hidden costs in their price quote and does it include driving and credit history?
• If you have an accident, will your rates go up?
• What is their Better Business Bureau rating?
• Does the agency support the community they serve?
• How long have they been in business?

If you want to buy insurance from a good insurance agency, you need to know there are two types of agencies and how they differ in how they can insure your vehicles. Agencies in Chicago are classified as either independent agents or exclusive agents depending on their employer.

Exclusive Agents

Agents that choose to be exclusive normally can only provide a single company’s rates like AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents cannot provide rate quotes from other companies so keep that in mind. Exclusive insurance agents are usually quite knowledgeable on what they offer which helps overcome the inability to quote other rates.

The following are Chicago exclusive agents who may provide you with rate quotes.

View more Chicago agents

Independent Insurance Agents

These type of agents are not required to write business for one company and that is an advantage because they can write policies with lots of companies enabling the ability to shop coverage around. If your premiums go up, they simply move the coverage in-house and that require little work on your part. When comparing insurance rates, we highly recommend that you check rates from a couple of independent agencies so that you have a good selection of quotes to compare.

Shown below is a list of independent insurance agencies in Chicago who can help you get comparison quotes.

View more Chicago agents

Persistent drivers can save

As you go through the steps to switch your coverage, never buy poor coverage just to save money. There are a lot of situations where someone dropped collision coverage and learned later they didn’t purchase enough coverage. The aim is to purchase a proper amount of coverage at the best price.

We just showed you a lot of techniques to shop for Volkswagen Tiguan insurance online. It’s most important to understand that the more you quote Chicago auto insurance, the higher your chance of finding affordable Volkswagen Tiguan insurance quotes. You may even discover the lowest priced car insurance comes from some of the lesser-known companies. Smaller companies may have significantly lower premium rates on certain market segments than their larger competitors like Progressive or GEICO.

Much more information about car insurance in Illinois can be read at the links below

• Auto Insurance for Teen Drivers (Insurance Information Institute)
• How Much are Car Insurance Rates for Drivers Requiring a SR22 in Chicago? (FAQ)
• Who Has Cheap Auto Insurance for Drivers Under 21 in Chicago? (FAQ)
• What to do at the Scene of an Accident (Insurance Information Institute)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Where can I buy Insurance? (Insurance Information Institute)
• All About Airbag Safety (State Farm)