Volkswagen Touareg Insurance Quotes in Chula Vista

Unimaginable but true, a large majority of drivers have been with the same company for at least the last four years, and nearly 40% of drivers have never shopped around. Chula Vista drivers can save hundreds of dollars each year just by comparing rates, but most undervalue the large savings they would see if they switched to a more affordable policy.

Insurance quote for Volkswagen Touareg in Chula VistaIt takes a few minutes, but the best way to quote cheaper auto insurance rates in Chula Vista is to compare prices at least once a year from companies who can sell car insurance in California. This can be done by completing these steps.

The most important part of shopping around is to make sure you’re comparing similar coverage information on every quote and and to analyze as many companies as feasibly possible. Doing this provides a fair rate comparison and the best rate selection.

Finding cheaper car insurance quotes can be quick and easy. You just need to spend a little time to get quotes online with multiple companies.

It’s so fast and easy to compare price quotes online that it makes it obsolete to spend your day driving to insurance agencies in your area. The ability to quote Volkswagen Touareg insurance online makes this unnecessary unless you have a need for the personal advice of an agent trained in personal lines coverage. Some companies do allow you to comparison shop online but have your policy serviced through an agent.

The companies shown below offer price quotes in California. If multiple companies are listed, we recommend you click on several of them to find the lowest auto insurance rates.

Rates and detailed analysis

The table shown below highlights estimates of coverage costs for Volkswagen Touareg models. Learning a little about how auto insurance policy rates are established can help you make decisions on which insurance to purchase.

Volkswagen Touareg Insurance Rates in Chula Vista, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Touareg 3 Turbo Diesel AWD 4-Dr $206 $418 $424 $26 $126 $1,200 $100
Touareg 3.6 AWD 4-Dr $206 $418 $424 $26 $126 $1,200 $100
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Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Premium amounts do not factor in specific location which can increase or decrease premium rates considerably.

Should you raise deductibles?

When shopping for insurance, a common question is how low should you set your deductibles. The data tables below summarize the rate difference when you buy lower versus higher deductibles. The first rate quote example uses a $250 comprehensive and collision deductible and the second rate chart 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 $430 $780 $442 $26 $132 $1,835 $153
Touareg 3.6 AWD 4-Dr $430 $780 $442 $26 $132 $1,835 $153
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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 $266 $490 $442 $26 $132 $1,356 $113
Touareg 3.6 AWD 4-Dr $266 $490 $442 $26 $132 $1,356 $113
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Estimates do not factor in specific zip code location which can alter coverage prices significantly.

Based on this data, using a $250 deductible would cost the average driver about $40 more each month or $480 a year averaged for all Touareg models than quoting the higher $1,000 deductible. Since you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you go at a minimum 19 months between claims, you would most likely save money if you elect the higher deductible.

Cost difference between full coverage and liability

The information below compares Volkswagen Touareg annual premium costs with full coverage and liability only. The costs are based on no tickets, no at-fault accidents, $500 deductibles, drivers are not married, and no discounts are applied.

When to drop comprehensive and collision

There is no set guideline for excluding comp and collision coverage, but there is a general convention. If the annual cost of your full coverage insurance is more than around 10% of the settlement you would receive from your company, then it may be the right time to buy liability only.

For example, let’s pretend your Volkswagen Touareg replacement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company will settle for is $8,000 after paying your deductible. If you are currently paying more than $800 a year for comprehensive and collision coverage, then you might want to think about dropping full coverage.

There are some circumstances where buying only liability insurance is not recommended. If you still owe a portion of the original loan, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should not consider dropping full coverage.

Why auto insurance is not optional

Despite the high insurance cost for a Volkswagen Touareg in Chula Vista, insuring your vehicle is required by state law in California and it also provides benefits you may not be aware of.

The benefits of insuring your Touareg definitely exceed the price paid, specifically if you ever have a liability claim. According to a recent study, the average American driver is currently overpaying as much as $700 annually so shop around at every renewal to ensure rates are inline.

Smart Consumers Can Lower Insurance Rates

Many factors are used in the calculation when you get a price on insurance. Some factors are common sense like your driving record, but others are not quite as obvious such as your marital status or your financial responsibility. Part of the auto insurance buying process is learning some of the elements that go into determining the rates you pay for auto insurance. If you have a feel for what positively or negatively impacts your premiums, this enables informed choices that could help you find big savings.

The following are a few of the “ingredients” used by your company to calculate your rate level.

Gender as a rate factor – Over the last 50 years, statistics have shown women tend to be less risk to insure than men. It does not mean females are better at driving than males. Men and women get in fender benders at about the same rate, but the male of the species tend to have higher claims. Not only that, but men also get ticketed for serious violations like DWI (DUI) or reckless driving.

The chart below visualizes the comparison of Volkswagen Touareg car insurance rates for male and female drivers. The data is based on a clean driving record, no at-fault accidents, comprehensive and collision coverage, $100 deductibles, single marital status, and no discounts are factored in.

Remove unneeded extra policy coverages – There are many optional add-on coverages that sound like a good idea at the time if you don’t pay attention. Add-on coverages like vanishing deductibles, better glass coverage, and motor club memberships are examples of these. The coverages may be enticing when talking to your agent, but if they’re wasting money remove them from your policy.

Your car’s features help determine prices – Choosing to buy a car that has a built-in theft deterrent system can earn a premium discount. Advanced theft deterrents such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent car theft and help bring rates down.

Compare rates if you bundle your policies – Most insurance companies apply discounts to insureds that purchase more than one policy in the form of a multi-policy discount. The amount of the discounts can be 10 percent or more. Even if you qualify for this discount already, drivers will still want to compare other company rates to help guarantee you have the best rates.

Volkswagen Touareg insurance loss statistics – Auto insurance companies analyze the history of losses when setting rates for each model. Models that historically have a higher amount or frequency of claims will be charged more to insure.

The table below demonstrates the actual insurance loss data for Volkswagen Touareg vehicles. For each type of coverage, the loss probability for all vehicles averaged together is a value of 100. Percentage numbers below 100 mean the vehicle has better than average losses, while values that are above 100 point to more claims or an increased chance of a larger loss.

Insurance Loss Ratings for Volkswagen Touareg Vehicles
Make and 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

Best auto insurance in Chula Vista

Buying coverage from the highest-rated company is difficult considering how many companies are available to choose from in Chula Vista. The ranking information in the lists below may help you decide which auto insurers you want to consider to insure your vehicles.

Top 10 Chula Vista Car Insurance Companies Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. AAA of Southern California
  5. Titan Insurance
  6. The General
  7. AAA Insurance
  8. State Farm
  9. Mercury Insurance
  10. Nationwide

One last note

As you quote Chula Vista car insurance, it’s very important that you do not skimp on coverage in order to save money. There are too many instances where consumers will sacrifice liability coverage limits and learned later that they should have had better coverage. Your aim should be to find the BEST coverage at the lowest possible cost while not skimping on critical coverages.

Some companies don’t offer price quotes online and many times these smaller companies work with local independent agencies. Cheap Volkswagen Touareg insurance in Chula Vista is available from both online companies as well as from insurance agents, so compare prices from both to have the best chance of lowering rates.

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