If you’re shopping for lower-priced insurance online, are you confused by the crazy number of car insurance companies in your area? Many other drivers are too. You have so many companies to choose from that it can really be a big hassle to locate the lowest rates for Volkswagen Touareg insurance in San Diego. Everyone knows that San Diego is an awesome place to live, but expensive premiums for car insurance can make it difficult for lots of drivers to buy proper levels of coverage.
A study showed that the vast majority of consumers kept buying from the same company for four years or more, and approximately 40% of consumers have never even compared rates from other companies. San Diego insurance shoppers could pocket as much as $469 a year by just shopping around, but they just assume it takes a lot of time to find affordable rates by getting comparison quotes.
If you have coverage now, you will be able to get lower rates using the techniques presented in this article. Shopping around for the most affordable protection in San Diego is easy to do. Although California vehicle owners must understand how the larger insurance companies market on the web because rates are impacted by many factors.
Do you qualify for discounts on Volkswagen Touareg insurance in San Diego?
Insurance can be pricey, but you might be missing out on some discounts that you may not even know about. A few discounts will automatically apply at the time you complete a quote, but some need to be requested specifically before they will apply.
- Data Collection Discounts – San Diego drivers who agree to allow data collection to track driving habits by using a telematic data system such as In-Drive from State Farm or Allstate’s Drivewise system may see discounts as long as they are good drivers.
- Auto/Home Discount – If you can bundle your homeowners and auto insurance with one company you could get a discount of up to 20% and get you cheaper Touareg insurance.
- Own a Home and Save – Owning your own home or condo can earn you a little savings since owning and maintaining a home is proof that your finances are in order.
- Discounts for Multiple Vehicles – Having several vehicles with the same company could earn a price break for each car.
- Discount for Good Grades – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
- Theft Deterrent – Cars and trucks equipped with tracking devices and advanced anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
- Defensive Driving Course – Taking part in a defensive driver course can save you 5% or more and make you a better driver.
- Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up before driving may be able to save a few bucks off the PIP or medical payment premium.
- Drive Less and Save – Driving less could earn better insurance rates on cars that stay parked.
You can save money using discounts, but some credits don’t apply to the overall cost of the policy. The majority will only reduce specific coverage prices like medical payments or collision. Despite the appearance that having all the discounts means you get insurance for free, you aren’t that lucky. Any amount of discount will positively reduce your insurance premiums.
To find companies that offer some of these discounts in California, click this link.
When comparison shopping, more quotes will increase your chances of finding a lower rate. Some companies don’t provide online San Diego Touareg insurance quotes, so it’s important to also get price quotes from those companies as well.
The companies in the list below have been selected to offer price quotes in San Diego, CA. If the list has multiple companies, it’s a good idea that you click on several of them in order to get a fair rate comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Touareg 3 Turbo Diesel AWD 4-Dr||$458||$1052||$574||$34||$172||$2,290||$191|
|Touareg 3.6 AWD 4-Dr||$546||$932||$578||$34||$174||$2,264||$189|
|Get Your Own Custom Quote Go|
Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Rates do not factor in specific location information which can impact rates considerably.
Poor driving habits will raise your auto insurance rates
The example below demonstrates how traffic citations and at-fault collisions can affect Volkswagen Touareg insurance premiums for different age groups of insureds. The premiums are based on a single female driver, comp and collision included, $1,000 deductibles, and no additional discounts are factored in.
Volkswagen Touareg insurance premiums by gender and age
The example below compares Volkswagen Touareg car insurance rates for male and female drivers. The rates are based on no accidents, no driving violations, comp and collision included, $500 deductibles, marital status is single, and no discounts are taken into consideration.
Rate comparison of full coverage and liability-only
The chart below shows the difference between Volkswagen Touareg car insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in California. The costs are based on no claims, a clean driving record, $250 deductibles, married female driver, and no additional discounts are factored in.
Should you pay for full coverage?
There is no clear-cut formula for dropping physical damage coverage on your policy, but there is a general convention. If the annual cost of having full coverage is about 10% or more of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.
For example, let’s assume your Volkswagen Touareg replacement cost is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would get paid by your company is $6,000 after paying your policy deductible. If you are paying over $600 a year to have full coverage, then you might consider buying liability only.
There are a few cases where dropping physical damage coverage is not recommended. If you still owe money on your vehicle, 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 totaled, you should maintain full coverage.
Informed Drivers Can Lower Insurance Rates
Lots of things are considered when quoting car insurance. Some of the criteria are obvious such as your driving history, although some other factors are not as apparent such as your credit history or how safe your car is.
Listed below are most of the major factors that factor into your rates.
High premiums for teenage drivers – More experienced drivers are viewed as being more responsible, cause fewer claims and accidents, and tend to be get fewer driving tickets.Youthful drivers are known to be easily distracted with other occupants in the car so car insurance rates are higher.
Pay more of a claim out-of-pocket – Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your Volkswagen. Some instances where coverage would apply would be collision with another vehicle, damage caused by hail, or theft. Deductibles for physical damage tell how much you are willing to pay in the event of a claim. The more the insured has to pay upfront, the less your car insurance will be.
Job stress can make you pay more – Did you know that where you work can have an impact on rates? Careers like military generals, police officers, and financial analysts tend to pay higher premiums than the average policyholder in part from intense work-related stress and incredibly demanding work hours. On the flip side, occupations such as scientists, students and retirees get better rates.
Where you call home can influence prices – Residing in less populated areas can save you money when insuring your vehicles. Urban drivers have to deal with more road rage incidents and longer commutes to work. Fewer drivers translates into fewer accident claims.
Improve your credit history and save – Having a bad credit score is likely to be a major factor in determining what you pay for car insurance. Consumers who have good credit tend to be more responsible and file fewer claims as compared to drivers with lower credit ratings. Therefore, if your credit rating is not that good, you could be paying less to insure your Volkswagen Touareg by improving your credit score.
Extra policy coverages you don’t use – Policies have add-on coverages you can purchase when buying car insurance. Coverages for personal injury protection, accident forgiveness, and motor club memberships are some examples. These coverages may sound good when deciding what coverages you need, but if you’ve never needed them in the past eliminate them to save money.
Mileage impacts premiums – Driving a lot of miles each year the higher your rate. Most insurance companies calculate rates based on their usage. Cars and trucks used primarily for pleasure use receive lower rates than cars that get driven a lot. Incorrect rating for your Touareg may be costing you higher rates. Ask your agent if your car insurance declarations sheet properly reflects how each vehicle is driven, because it can save money.
Insurance loss probability for a Volkswagen Touareg – Auto insurance companies analyze past claim statistics as a way to help calculate a profitable premium price. Models that are shown to have a higher amount or frequency of claims will have increased rates.
The data below shows the insurance loss data used by companies for Volkswagen Touareg vehicles. For each type of coverage, the statistical loss for all vehicles, as an average, is equal to 100. Percentage numbers below 100 are indicative of better than average losses, while values over 100 point to more losses or tendency to have larger claims.
Insurance Loss Ratings for Volkswagen Touareg Vehicles
|Vehicle Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Volkswagen Touareg 4dr 4WD||131||115||133||56||65||87|
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Everyone needs different car insurance coverages
Keep in mind that when it comes to choosing the right insurance coverage, there really isn’t a “perfect” insurance plan. Coverage needs to be tailored to your specific needs and your car insurance should be unique as well. These are some specific questions might help in determining whether you could use an agent’s help.
- Do I need replacement cost coverage?
- Should I buy more coverage than the required California minimum liability coverage?
- Where can I get insurance after a DUI in California?
- What does medical payments cover?
- What if a claim settlement is too low?
- What vehicles should carry emergency assistance coverage?
- What is the minimum liability in California?
- Who sells insurance for high-risk drivers?
- Am I better off with higher deductibles on my Volkswagen Touareg?
- Will I lose any money if I cancel my policy before it expires?
If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier
Independent and exclusive car insurance agents
A small number of people still like to sit down with an agent and doing that can be a smart decision The biggest benefit of getting online price quotes is the fact that you can find the lowest rates and also buy local.
After filling out this form (opens in new window), the quote information is sent to local insurance agents who can give free rate quotes for your auto insurance coverage. It’s much easier because you don’t need to leave your computer because quoted prices will be sent straight to your inbox. You can find lower rates and work with a local agent. In the event you want to get a rate quote from one company in particular, you just need to visit that company’s website and complete a quote there.
Choosing the best insurance company should depend on more than just a cheap price quote. These are some questions your agent should answer.
- Will you get a loaner vehicle if you car is being repaired?
- Does the quote include credit and driving reports?
- How much training do they have in personal risk management?
- Do you qualify for any additional discounts?
- Can they help ensure a fair claim settlement?
- Does the agent help file claims?
If you are wanting to purchase auto insurance from a reliable agent, it’s important to understand the types of agencies from which to choose. Auto insurance agencies are categorized either independent agents or exclusive agents.
Exclusive Auto Insurance Agencies
These agents normally can only provide a single company’s rates and some examples include State Farm, Allstate, and Farm Bureau. These agents are unable to compare rates from other companies so always compare other rates. These agents are very knowledgeable in insurance sales which can be an advantage. Consumers sometimes choose to use a exclusive agent primarily because of the prominence of the brand rather than low rates.
The following are exclusive agents in San Diego that are able to give price quotes.
- Farmers Insurance: James Calafata
4325 Cass St – San Diego, CA 92109 – (858) 483-7171 – View Map
- David Hiser – State Farm Insurance Agent
910 Grand Ave #205 – San Diego, CA 92109 – (858) 272-2343 – View Map
- Allstate Insurance: Patrick Wang
8650 Genesee Ave Ste 108 – San Diego, CA 92122 – (858) 623-3344 – View Map
Independent agents often have affiliation with several companies and that is an advantage because they can write policies amongst many companies and possibly get better coverage at lower prices. If your premiums go up, your agent can switch companies and the insured can keep the same agent.
When comparing rate quotes, you definitely need to get several quotes from independent agents for maximum quote selection. Many write coverage with small regional insurance companies that many times have cheaper rates.
Listed below is a list of independent agents in San Diego that are able to give comparison quotes.
- B H Gold Insurance
9699 Tierra Grande St # 100 – San Diego, CA 92126 – (800) 421-4653 – View Map
- ARROWHEAD General Insurance Agency, Inc.
701 B St #2100 – San Diego, CA 92101 – (619) 744-5000 – View Map
- Leavitt Insurance Agency of San Diego
380 Stevens Ave – Solana Beach, CA 92075 – (858) 259-5800 – View Map
Why you need quality insurance for your Touareg
Even though it’s not necessarily cheap to insure a Volkswagen in San Diego, buying auto insurance serves an important purpose.
First, most states have compulsory liability insurance requirements which means you are required to buy specific minimum amounts of liability coverage in order to drive the car legally. 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.
Second, if you have a loan on your Volkswagen Touareg, it’s guaranteed your bank will have a requirement that you have full coverage to ensure they get paid if you total the vehicle. If the policy lapses, the bank or lender will purchase a policy for your Volkswagen at a significantly higher premium and force you to reimburse them for the much more expensive policy.
Third, auto insurance preserves both your vehicle and your personal assets. It also can pay for many types of medical costs for you, your passengers, and anyone else injured in an accident. One policy coverage, liability insurance, also pays for attorney fees and expenses if anyone sues you for causing an accident. If damage is caused by hail or an accident, comprehensive and collision coverage will cover the repair costs.
The benefits of having insurance are definitely more than the cost, especially with large liability claims. Today the average American driver is wasting up to $850 per year so we recommend shopping around at every policy renewal to help ensure money is not being wasted.
Compare but don’t skimp
Affordable Volkswagen Touareg insurance in San Diego can be found both online and from local agencies, and you need to price shop both to have the best chance of lowering rates. Some insurance providers do not offer online quoting and these regional carriers prefer to sell through independent agencies.
As you go through the steps to switch your coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. There are a lot of situations where an accident victim reduced physical damage coverage only to regret at claim time they didn’t purchase enough coverage. The ultimate goal is to buy the best coverage you can find at the best possible price, but do not sacrifice coverage to save money.
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance Quotes for Teenage Males in San Diego? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a Toyota Highlander in San Diego? (FAQ)
- Who Has the Cheapest San Diego Car Insurance for High Risk Drivers? (FAQ)
- Safe Vehicles for Teens (iihs.org)
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- Understanding Limits and Deductibles (Allstate)