Wish you could get a refund on an expensive auto insurance policy? Believe me, there are a lot of people in Henderson just like you who feel imprisoned by their auto insurance policy.

Discount Volkswagen Tiguan insuranceStatistics show that a large majority of auto insurance policyholders have bought auto insurance from the same company for at least four years, and almost 40% of drivers have never even shopped around for lower-cost coverage. Nevada consumers can save hundreds of dollars each year just by shopping around, but they just don't understand the benefits if they just switched companies.

There are many auto insurance companies to pick from, and even though it's nice to have a choice, more options can take longer to locate the cheapest rates for Volkswagen Tiguan insurance in Henderson.

It's a good habit to quote other rates before your policy renews because prices trend upward over time. Just because you had the lowest price on Volkswagen Tiguan insurance in Henderson at your last renewal you can probably find a better rate quote now. There is lot of inaccurate information about Tiguan insurance on the web, but in just a couple of minutes you can learn some of the best ways to lower your auto insurance premiums.

Locating the best rates in Henderson is actually quite simple. Basically, every driver who is required to buy insurance will most likely be able to find lower rates. Nevertheless, Nevada car owners must know how insurance companies set your policy premium because it varies considerably.

How to lower your Volkswagen Tiguan insurance cost in Henderson, NV

The majority of larger companies like Allstate and Progressive allow consumers to get prices directly from their websites. Doing online price comparisons for Volkswagen Tiguan insurance in Henderson is quite easy as you just type in your coverage preferences into the quote form. After you submit the form the system gets your driving and credit reports and generates a price based on these and other factors. This streamlines rate comparisons, and it's very important to get many rate quotes in order to find a lower rate.

To quickly get comparison pricing now, take a look at the companies shown below. If you have your current policy handy, we recommend you replicate the coverages as close as possible to your current policy. Using the same limits helps guarantee you will receive an apples-to-apples comparison based on identical coverages.

The companies shown below offer quotes in Henderson, NV. If multiple companies are shown, we suggest you visit as many as you can in order to find the most affordable rates.

Volkswagen Tiguan Insurance Estimates in Henderson, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tiguan S 2WD $238 $402 $262 $16 $78 $996 $83
Tiguan S 2WD $166 $334 $296 $18 $88 $902 $75
Tiguan SE 4Motion AWD $166 $298 $262 $16 $78 $820 $68
Tiguan SEL 4Motion AWD $288 $638 $340 $20 $102 $1,388 $116
Get Your Own Custom Quote Go

Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Rate quotes do not factor in specific zip code location which can lower or raise coverage rates greatly.

Careless driving habits raise Henderson auto insurance rates

The illustration below shows how traffic citations and at-fault claims drive up Volkswagen Tiguan premium costs for different age groups. Data assumes a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.

Physical damage deductibles

One common question asked by Henderson drivers is how high should your deductibles be. The following insurance rates can help you understand the rate fluctuation between high and low physical damage coverage deductibles. The first data set uses a $100 physical damage deductible and the second set of prices uses a $500 deductible.

Volkswagen Tiguan insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tiguan S 2WD $266 $478 $262 $16 $78 $1,125 $94
Tiguan S 2WD $266 $478 $262 $16 $78 $1,125 $94
Tiguan SE 4Motion AWD $300 $564 $262 $16 $78 $1,245 $104
Tiguan SEL 4Motion AWD $300 $564 $262 $16 $78 $1,245 $104
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Volkswagen Tiguan insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tiguan S 2WD $194 $324 $262 $16 $78 $874 $73
Tiguan S 2WD $194 $324 $262 $16 $78 $874 $73
Tiguan SE 4Motion AWD $218 $382 $262 $16 $78 $956 $80
Tiguan SEL 4Motion AWD $218 $382 $262 $16 $78 $956 $80
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Premium costs do not factor in the specific area where the vehicle is garaged which can change price quotes noticeably.

Using the premium rates above, we can conclude that using a $100 deductible will cost in the ballpark of $22 more each month or $264 for a full year than requesting the higher $500 deductible. Because you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you go more than 18 months between claims, you would probably save some money by selecting a higher deductible.

Calculate savings of higher deductibles

Average monthly premium for $100 deductibles: $99
Average monthly premium for $500 deductibles (subtract): - $77
Monthly savings from raising deductible: $22
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $22
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

One important issue to know is that raising deductibles to get cheaper rates results in a higher out-of-pocket expense when you do file a claim. That will require enough money in the bank in order to pay the deductible for vehicle repair.

Annual premiums for males compared to females in Henderson

The chart below shows the difference between Volkswagen Tiguan insurance costs for male and female drivers. The rate quotes are based on no tickets, no at-fault accidents, full coverage, $500 deductibles, drivers are not married, and no policy discounts are applied.

Get lower-cost rates by earning discounts

Car insurance is not inexpensive, but there may be some discounts that could help you make your next renewal payment. Most are applied at the time of quoting, but less common discounts must be requested specifically before you get the savings.Save money with discounts

A quick disclaimer, most discount credits are not given to the whole policy. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Even though the math looks like all the discounts add up to a free policy, nobody gets a free ride.

A partial list of companies who might offer these discounts include:

If you are trying to find low cost Henderson auto insurance quotes, ask each company which discounts you qualify for. All car insurance discounts may not be offered in Henderson.

Four Tips to Get Cheaper Henderson Insurance Costs

Lots of factors are part of the equation when pricing auto insurance. Some factors are common sense like a motor vehicle report, although some other factors are less obvious such as your credit history or your vehicle rating.

The factors shown below are some of the most rate-impacting factors utilized by car insurance companies to help set your rates.

Your address can modify price - Choosing to live in less populated areas is a positive aspect when trying to find low car insurance rates. Residents of big cities have more auto accidents and much longer commute distances. Fewer drivers translates into fewer accident claims.

Companies want multiple policies - The majority of insurance companies give lower prices to customers that buy multiple policies in the form of a multi-policy discount. Even though this discount sounds good, drivers will still want to compare other company rates to guarantee you are still saving the most. Drivers may still save more without the discount by buying insurance from more than one company.

Low stress employer equals lower prices - Occupations like doctors, executives and financial analysts tend to have higher premium rates due to stressful work requirements and long work days. On the flip side, occupations such as farmers, engineers and performers have the lowest average rates.

Prevent your car from being stolen - Choosing a vehicle with anti-theft technology or alarm system can earn a premium discount. Systems that thwart thieves such as OnStar, LoJack tracking, and tamper alarms all help stop auto theft.

Volkswagen Tiguan claim probability - Auto insurance companies factor in historical loss data in order to profitably underwrite each model. Models that tend to have a higher amount or frequency of claims will cost more to insure. The data below shows the insurance loss data used by companies for Volkswagen Tiguan vehicles.

For each policy coverage type, the statistical loss for all vehicles as a whole is equal to 100. Numbers below 100 mean the vehicle has better than average losses, while numbers above 100 indicate a higher chance of having a claim or an increased probability of a larger loss.

Volkswagen Tiguan Insurance Claim Statistics

Specific Volkswagen 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
BETTER
AVERAGE
WORSE

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

When should I get advice from an agent?

A lot of people just want to buy from a licensed agent and that can be a great decision An additional benefit of getting free rate quotes online is the fact that you can find cheap insurance rates and still buy from a local agent.

Henderson insurance agentsOnce you complete this form (opens in new window), your information gets sent to agents in your area who can give free rate quotes for your insurance coverage. It simplifies rate comparisons since you won't have to contact an agency because prices are sent to you directly. You'll get the best rates AND an agent nearby. If you have a need to get a comparison quote from a specific company, just navigate to their website and complete a quote there.

Picking the best insurer requires you to look at more than just the bottom line cost. The following questions are important to ask.

When searching for a good Henderson insurance agent, you must know there are a couple different types of agencies and how they operate. Insurance agents in Henderson are categorized either independent or exclusive.

Exclusive Insurance Agents

Agents of this type generally can only insure with one company such as Farmers Insurance, Allstate, or State Farm. Exclusive agents cannot compare other company's rates so you need to shop around if the rates are high. Exclusive agencies are very knowledgeable on sales techniques which can be an advantage.

Shown below is a list of exclusive agencies in Henderson that can give you rate quotes.


780 Coronado Center Dr Ste 100 - Henderson, NV 89052 - (702) 737-7150 - View Map


8955 S Pecos Rd #1b - Henderson, NV 89074 - (702) 750-9990 - View Map

Lisa Downer - State Farm Insurance Agent
1450 W Horizon Ridge Pkwy b302 - Henderson, NV 89012 - (702) 492-6287 - View Map

More Henderson agents

Independent Agents (or Brokers)

Independent agents are not employed by any specific company and that gives them the ability to insure through many different insurance companies and find you the best rates. If they find a lower price, the business is moved internally and you won't have to switch agencies.

If you are comparing rate quotes, it's recommended you include price quotes from a few independent agents for the best price selection.

Shown below are Henderson independent insurance agencies that are able to give rate quotes.


1120 Wigwam Pkwy #100 - Henderson, NV 89052 - (702) 430-7764 - View Map


1399 Galleria Dr #201 - Henderson, NV 89014 - (702) 871-0001 - View Map


283 Grand Olympia Dr - Henderson, NV 89012 - (702) 434-7640 - View Map

More Henderson agents

Once you have good answers to your questions and a good coverage price, chances are good that you have found an auto insurance agent that meets the requirements to properly service your insurance policy. It's important to know that you can cancel a policy whenever you wish so never feel that you're stuck with your new company with no way out.

How much can you save?

Lower-priced car insurance in Henderson is available on the web and also from your neighborhood Henderson agents, and you need to price shop both in order to have the best chance of saving money. There are still a few companies who may not offer online price quotes and many times these regional insurance providers only sell through independent insurance agencies.

In this article, we presented many ideas to lower your Volkswagen Tiguan insurance premium rates in Henderson. The most important thing to understand is the more providers you compare, the higher your chance of finding the cheapest Volkswagen Tiguan rate quotes. Consumers may even find the lowest premium rates come from an unexpected company. These companies can often provide lower prices in certain areas than the large multi-state companies such as State Farm and Allstate.

Even more information can be found in the articles below: