Discount Volkswagen Touareg insuranceWant lower-priced Volkswagen Touareg insurance in Columbia? Nobody I know likes paying for insurance, especially when they know they could find lower prices if they just compared rates.

It's hard to believe, but 70% of consumers kept their coverage with the same insurance company for four years or more, and just short of a majority have never compared rate quotes at all. Drivers in America could save themselves nearly $850 a year by just comparing rate quotes, but they just assume it's a time-consuming process to compare rate quotes online. Big companies like GEICO, Farmers Insurance and State Farm all promote huge savings with TV and radio ads and it is difficult to avoid their marketing magic and effectively compare rates to find the best deal.

How Insurers Determine Volkswagen Touareg Insurance Prices

When buying insurance it's important to understand the factors that aid in calculating the rates you pay for insurance. When you know what positively or negatively positively or negatively impacts your premiums, this enables informed choices that will entitle you to lower insurance prices.

Cheaper rates with high physical damage deductibles - Physical damage insurance, also known as collision and other-than-collision, insures against damage to your Volkswagen. Some coverage claims could be a dented fender, collision with an animal, and damage caused by flying debris. The deductibles you choose represent how much money you are willing to pay before your insurance pays a claim. The more money the insured is willing to pay, the less your insurance will be.

Your location is important - Living in small towns and rural areas may provide you with better prices when talking about insurance. Less people means reduced accidents and also fewer theft and vandalism claims. Drivers who live in large South Carolina cities regularly have more aggressive driving styles and more severe claims. More time commuting translates into higher accident risk.

Good drivers pay lower prices - Getting just one ticket could increase your next policy renewal by as much as thirty percent. Careful drivers pay lower auto insurance prices compared to bad drivers. Drivers who have received careless tickets like DUI, reckless driving or excessive speeding may find that they have to to prove financial responsibility with their state DMV in order to keep their license.

A insurance lapse can increase rates - Not maintaining insurance is illegal and companies may charge more for letting your insurance lapse. In addition to paying higher premiums, the inability to provide proof of insurance might get you a revoked license or a big fine. You will then be forced to file a SR-22 with the South Carolina department of motor vehicles.

Is insurance coverage cheaper for females or males? - The statistics show women are more cautious behind the wheel. This data doesn't prove that females are better drivers. Women and men tend to get into auto accidents in similar numbers, but the men have costlier accidents. Men also statistically receive more major tickets such as DWI and reckless driving.

Deter theft and reduce premiums - Choosing to buy a car that has a built-in theft deterrent system can earn a premium discount. Theft prevention devices like GM's OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft.

Insurance loss statistics a Volkswagen Touareg - Companies analyze past claim statistics to calculate a rate that will offset losses. Models that statistically have a higher amount or frequency of claims will have a higher cost to insure.

The data below shows the historical loss data for Volkswagen Touareg vehicles. For each coverage type, the loss probability for all vehicles averaged together equals 100. Percentage numbers below 100 indicate a favorable loss history, while values that are 100 or greater point to more claims or a tendency for losses to be larger than average.

Volkswagen Touareg Insurance Loss Statistics

Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Volkswagen Touareg 4dr 4WD 131 115 133 56 65 87

Statistics from for 2013-2015 Model Years

The best way to compare policy rates for Volkswagen Touareg insurance in Columbia takes advantage of the fact almost all companies pay for the opportunity to provide you with free rate quotes. All you need to do is give the companies some data like marital status, how old drivers are, how many miles driven, and if it has an alarm system. Your details is submitted instantly to all major companies and they return rate quotes instantly.

To compare multiple company cheap Volkswagen Touareg insurance rates now, click here and see if a lower rate is available in Columbia.

The companies shown below are ready to provide free quotes in Columbia, SC. If multiple providers are shown, we suggest you visit two to three different companies to get a more complete price comparison.

Volkswagen Touareg Insurance Rate Estimates in Columbia, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Touareg 3 Turbo Diesel AWD 4-Dr $198 $372 $348 $20 $104 $1,042 $87
Touareg 3.6 AWD 4-Dr $176 $372 $386 $22 $116 $1,072 $89
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Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Price estimates do not factor in Columbia location which can influence prices significantly.

Deductible analysis

One of the more difficult decisions when buying auto insurance is at what level do you set your deductibles. The rates below summarize the costs and benefits between high and low physical damage coverage deductibles. The first table uses a $250 deductible for comp and collision and the second price grid uses a $1,000 deductible.

Volkswagen Touareg insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Touareg 3 Turbo Diesel AWD 4-Dr $332 $602 $342 $20 $102 $1,423 $119
Touareg 3.6 AWD 4-Dr $332 $602 $342 $20 $102 $1,423 $119
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Volkswagen Touareg insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Touareg 3 Turbo Diesel AWD 4-Dr $204 $380 $342 $20 $102 $1,048 $87
Touareg 3.6 AWD 4-Dr $204 $380 $342 $20 $102 $1,048 $87
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Estimates do not factor in specific location information which can alter rates significantly.

Based on the data above, we can derive that using a $250 deductible will cost you approximately $32 more each month or $384 annually than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at least 23 months between claims, you would save money going with the higher deductible. The illustration below shows how you can come to your own conclusion.

Average monthly premium for $250 deductibles: $119
Average monthly premium for $1,000 deductibles (subtract): - $87
Monthly savings from raising deductible: $32
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $32
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

Safe drivers pay cheaper rates

The example below highlights how traffic violations and at-fault collisions can raise Volkswagen Touareg insurance costs for each age group. The premiums are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.

Policy deductible comparison

The example below demonstrates how deductibles and can raise or lower Volkswagen Touareg insurance costs for different age categories. The premiums assume a single female driver, comprehensive and collision coverage, and no discounts are applied.

Advertising myths

South Carolina drivers constantly see and hear ads for cheaper insurance from companies such as Allstate, GEICO and Progressive. All the companies convey the message about saving some big amount if you change your coverage.

Is it even possible that every company can offer drivers better rates? Here is how they do it.

Different companies have underwriting criteria for the type of driver that earns them the highest profit. One example of a preferred risk should be between the ages of 30 and 50, has never had a claim, and drives newer vehicles. Any new insured who matches that profile will get a cheap rate quote in Columbia and will probably pay quite a bit less when switching companies.

Insureds who fall outside these criteria must pay more expensive rates which usually ends up with business going elsewhere. If you pay close attention to the ads, they say "people that switch" not "everybody who quotes" save money. That's why insurance companies can confidently claim big savings. This really drives home the point why it's extremely important to do a rate comparison at every renewal. It is impossible to predict which insurance companies will have the lowest rate quotes.

Three main reasons to buy auto insurance

Even though Columbia Touareg insurance rates can get expensive, auto insurance may be required for several reasons.

The benefits of insuring your car more than offset the price you pay, particularly for liability claims. In a recent study of 1,000 drivers, the average customer overpays as much as $820 a year so compare rate quotes at every renewal to save money.

Score discounts on Columbia auto insurance

Some insurance providers do not list every discount they offer very well, so the list below contains some of the more common as well as some of the hidden discounts that you can inquire about if you buy Columbia car insurance online.Save money with discounts

Keep in mind that most discounts do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates you can get free auto insurance, companies wouldn't make money that way.

Large auto insurance companies and a partial list of their discounts include:

Check with each insurance company how many discounts you can get. Some discounts might not be available to policyholders in every state. If you would like to see a list of providers offering auto insurance discounts in Columbia, follow this link.

You may require the services of an insurance agent

A lot of people would prefer to buy from a licensed agent. Licensed agents can point out coverage gaps and help in the event of a claim. An additional benefit of comparing rates online is you can get the best rates but also keep your business local.

Insurance agents in ColumbiaAfter completing this form (opens in new window), your information is instantly submitted to insurance agents in Columbia who will give you bids for your business. It makes it easy because there is no need to find an agent because quoted prices will be sent straight to your inbox. If you have a need to get a comparison quote from one company in particular, you would need to jump over to their website and fill out their quote form.

Picking the best provider shouldn't rely on just the price. Any agent in Columbia should be forthright in answering these questions:

Do you need an independent or exclusive auto insurance agent?

If you want to use a reliable insurance agency, there are a couple of different types of agencies that you can choose from. Agencies in Columbia are either exclusive agents or independent agents. Both types of agents can sell car insurance policies, but it is important to understand the subtle differences since it can affect the kind of agent you use.

Exclusive Insurance Agents

Agents of this type generally can only insure with one company such as State Farm, Allstate, and Farm Bureau. They generally cannot provide prices from multiple companies so they are skilled at selling on more than just price. They are well trained on their products and sales techniques which helps them sell insurance even at higher premiums.

Listed below are exclusive insurance agencies in Columbia willing to provide price quote information.

452 W Killian Rd d - Columbia, SC 29203 - (803) 764-6779 - View Map

1945 Decker Blvd Ste 13 - Columbia, SC 29206 - (803) 661-6690 - View Map

132 Harbison Blvd #100 - Columbia, SC 29212 - (803) 749-1279 - View Map

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Independent Agents (or Brokers)

Agents that elect to be independent are not required to write business for one company and that enables them to quote your coverage with an assortment of companies and get the cheapest rates. To transfer your coverage to a different company, they can switch companies in-house and you stay with the same agent. When searching for an agent, you need to get quotes from several independent insurance agents so that you can do a thorough price comparison.

Below is a short list of independent agencies in Columbia that can give you price quotes.

6168 St Andrews Rd - Columbia, SC 29212 - (803) 798-4499 - View Map

776 St Andrews Rd - Columbia, SC 29210 - (803) 772-6969 - View Map

1034 Briargate Cir - Columbia, SC 29210 - (803) 798-0692 - View Map

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Will just any policy work for me?

Keep in mind that when it comes to choosing proper insurance coverage for your vehicles, there really isn't a single plan that fits everyone. You are unique.Drive safe and save

For instance, these questions could help you determine whether your personal situation will benefit from professional help.

If you're not sure about those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and may give you better protection.

Auto insurance savings summarized

People who switch companies do it for any number of reasons including denial of a claim, questionable increases in premium, delays in paying claims or delays in responding to claim requests. It doesn't matter what your reason, choosing a new insurance company can be easier than you think.

In this article, we covered a lot of tips how to reduce Volkswagen Touareg insurance prices online in Columbia. It's most important to understand that the more rate comparisons you have, the better your comparison will be. You may even be surprised to find that the most savings is with a company that doesn't do a lot of advertising.

As you shop your coverage around, you should never buy poor coverage just to save money. There are too many instances where drivers have reduced liability coverage limits and learned later that they should have had better coverage. Your objective should be to buy enough coverage at the best possible price, but do not sacrifice coverage to save money.

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