Best Rate Quotes for Volkswagen Touareg Insurance in Austin

How many times have you said it’s time to compare cheaper insurance rates in Austin, TX? Austin consumers have many options when looking for the lowest priced Volkswagen Touareg insurance. They can either waste time contacting agents getting price quotes or utilize the internet to get rate quotes. There is a better way to buy insurance so you’re going to learn the quickest way to get price quotes for a Volkswagen and obtain the best price possible from Austin insurance agents and online providers.

Locating the best rates in Austin is not rocket science. If you already have coverage, you will be able to get lower rates using the concepts you’re about to learn. Shoppers only need to know the least time-consuming way to compare prices online.

Affordable companies for Volkswagen Touareg insurance in Texas

The companies shown below have been selected to offer quotes in Texas. If more than one company is shown, it’s a good idea that you compare several of them to get the lowest price.

Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Information does not factor in Austin location which can increase or decrease rates substantially.

Auto insurance premiums based on gender

The information below visualizes the comparison of Volkswagen Touareg car insurance rates for male and female drivers. Data assumes no claims or driving citations, comprehensive and collision coverage, $500 deductibles, single marital status, and no other discounts are factored in.

Deductible analysis

The chart below shows how choosing a deductible and can affect Volkswagen Touareg premium costs for different age groups of insureds. The premiums are based on a single female driver, comp and collision included, and no discounts are taken into consideration.

Deductible analysis

When comparing auto insurance rates, the most common question is how low should you set your deductibles. The data tables below highlight how much more you’ll pay of buying low and high physical damage deductibles. The first rate comparisons uses a $100 deductible for comprehensive and collision coverage and the second pricing table uses a $500 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Rate quotes do not factor in garaging location in Austin which can lower or raise auto insurance rates noticeably.

Based on the data above, we can derive that using a $100 deductible costs approximately $34 more each month or $408 for a full year than requesting the higher $500 deductible. Since you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you normally go more than 12 months between claim filings, you would probably come out ahead by going with a higher deductible.

How do Insurance Companies Determine Volkswagen Touareg Insurance Prices?

Many factors are used when pricing auto insurance. Some are obvious such as traffic violations, although others are more transparent such as your credit history or how financially stable you are. It’s important that you understand the different types of things that are used to determine the price you pay for car insurance. When you understand what determines base rates, this empowers consumers to make smart changes that may result in better car insurance rates.

The factors shown below are a few of the “ingredients” that factor into rates.

• Pleasure use or commuting – The higher the miles on your Volkswagen every year the higher your rates will be. A lot of companies charge rates determined by how the vehicle is used. Cars and trucks used primarily for pleasure use qualify for better rates than vehicles that have high annual mileage. An improperly rated Touareg can cost quite a bit. Double check that your car insurance policy correctly shows the correct usage, because improper ratings can cost you money.
• Poor credit can mean higher premiums – Having a bad credit history can be an important factor in determining what you pay. So if your credit score can be improved, you could be paying less to insure your Volkswagen Touareg by taking the time to improve your credit score. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers with bad credit.
• Are females or males drivers cheaper? – Statistics show women are more cautious behind the wheel. Now that doesn’t mean females are better at driving than males. Both genders are responsible for auto accidents at a similar rate, but guys get into accidents with more damage. Not only that, but men also have more aggressive citations like reckless driving and DUI. Male drivers age 16 to 19 tend to get in the most accidents and therefore pay the highest rates.
• Car insurance policy lapses increase rates – Driving any period of time without insurance is against the law and as a result your rates will increase for letting your insurance expire. Not only will you pay higher rates, not being able to provide proof of insurance could result in a license revocation or jail time. Then you may be required to provide proof of insurance in the form of an SR-22 filing with the Texas motor vehicle department.
• Bundling policies can get discounts – Most larger insurance companies afford lower prices for people that have more than one policy in the form of a multi-policy discount. The discount can be as much as ten percent or more If you currently are using one company, it’s still a good idea to compare other company rates to confirm you are receiving the best rates possible.There is a good possibility that you can find better rates even if you insure with multiple companies
• Volkswagen Touareg insurance loss probability – Insurance companies include the past claim trends for vehicles when they calculate premium prices for each model. Models that the statistics show to have increased losses will have a higher cost to insure. The table below demonstrates the insurance loss data for Volkswagen Touareg vehicles.

  For each type of coverage, the statistical loss for all vehicles, without regard to make or model, equals 100. Numbers below 100 imply a favorable loss record, while numbers that are greater than 100 indicate higher probability of having a loss or tendency to have higher losses.

  Auto Insurance Loss Data for Volkswagen Touareg Models

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

  BETTER

  AVERAGE

  WORSE

  Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Affordable Austin car insurance rates with discounts

Car insurance companies don’t necessarily list every discount available very clearly, so we break down some of the best known and also the more inconspicuous credits that you can use to lower your rates.

• Auto/Life Discount – Larger companies have lower premium rates if you buy some life insurance in addition to your auto policy.
• Telematics Devices – Austin drivers who agree to allow companies to spy on driving patterns by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction if they exhibit good driving behavior.
• Switch and Save Discount – A few insurance companies offer discounts for buying a new policy before your current Touareg insurance policy expires. Ten percent is about the average savings.
• New Car Discount – Insuring a vehicle that is new may earn a small discount because new model year vehicles keep occupants safer.
• Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and that can save you a little bit as well.
• Discount for Home Ownership – Owning a home in Austin can save you money because it means you have a higher level of financial diligence.

A little note about advertised discounts, most discounts do not apply to the whole policy. The majority will only reduce the cost of specific coverages such as comprehensive or collision. Even though the math looks like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

To see a list of car insurance companies that offer many of these discounts in Texas, click this link.

Insurance agencies near you

A small number of people just want to buy from a local agent. Good agents are very good at helping people manage risk and will help you if you have claims. A good thing about comparing insurance prices online is that drivers can save money and get the best rates but also keep your business local.

To help locate an agent, after submitting this quick form, the coverage information is immediately sent to agents in your area who will return price quotes and help you find cheaper coverage. You won’t even need to even leave your home as quotes are delivered to the email address you provide. If you need to compare rates from a particular provider, don’t hesitate to navigate to their website and give them your coverage information.

Selecting an provider should include more criteria than just a low price. The questions below may impact your decision as well.

• Will the company cover a rental car if your car is getting fixed?
• Is vehicle mileage a factor when determining depreciation for repairs?
• Are there any discounts for paying up front?
• How often do they review policy coverages?
• Does the agent have professional designations like CIC, CPCU or AIC?

Pick the best car insurance agent in Austin for you

If you need to find a local Austin insurance agency, you should know the types of agencies that you can select. Austin agents are considered either exclusive or independent. Either can provide car insurance policies, but it’s a good idea to understand how they are different because it can impact buying decisions.

Exclusive Car Insurance Agencies

Exclusive agents can only provide one company’s prices and some examples include Farmers Insurance, State Farm, or Allstate. Exclusive agents cannot shop your coverage around so they have no alternatives for high prices. Exclusive insurance agents are very knowledgeable on their company’s products which can be an advantage. Consumers often buy from the same agent for years partially due to loyalty to the company rather than having low rates.

The following is a short list of exclusive agencies in Austin that are able to give rate quotes.

• Robert Ndegwa – State Farm Insurance Agent
  1200 W Howard Ln f – Austin, TX 78753 – (512) 837-8818 – View Map
• John Kirk – State Farm Insurance Agent
  11130 Jollyville Rd Ste 201 – Austin, TX 78759 – (512) 343-7758 – View Map
• Larry Evins – State Farm Insurance Agent
  4534 West Gate Blvd #202 – Austin, TX 78745 – (512) 327-0303 – View Map

View more Austin agents

Independent Car Insurance Agents

Agents that elect to be independent are not locked into one company and that gives them the ability to insure through lots of different companies and get the cheapest rates. If they quote lower rates, an independent agent can move your coverage and that require little work on your part. When comparing rates, you should always contact at least one independent agent to get the most accurate price comparison. They also have the ability to place coverage with small regional insurance companies that may have much lower rates than larger companies.

Below is a list of independent insurance agents in Austin that can give you rate quotes.

• Nationwide Insurance: James Gary Howe
  3720 Far West Blvd #114 – Austin, TX 78731 – (512) 346-7645 – View Map
• Lezam Insurance
  4301 W. William Cannon Dr., Ste. B-120 – Austin, TX 78749 – (512) 263-4333 – View Map
• Capitol City Insurance
  8030 N Mopac Expy – Austin, TX 78759 – (512) 343-0280 – View Map

View more Austin agents

But the ad said I’d save 15% in 15 minutes!

Consumers in Texas can’t escape the ads for auto insurance savings by companies like Allstate, GEICO and Progressive. All the ads state the claim that people will save if you just switch your policy.

How does each company make almost identical claims? It’s all in the wording.

All the different companies have specific criteria for a prospective insured that earns them the most money. An example of this type of risk profile might be between the ages of 30 and 50, carries full coverage, and does not commute to work. Any person that meets those criteria will get the preferred rates in Austin and therefore will pay quite a bit less when switching companies.

Potential insureds who don’t meet this ideal profile will probably have to pay a higher rate which usually ends up with the customer buying from someone else. If you listen to the ad wording, they say “customers who switch” not “everybody who quotes” can get the lowest rates when switching. That’s the way insurance companies can confidently make those statements. This really emphasizes why you need to get a wide range of price quotes. It’s just too difficult to predict the company that will give you lower premium rates than your current company.

Compare but don’t skimp

Some insurance companies may not provide online quoting and many times these smaller providers work with local independent agencies. Cost effective Volkswagen Touareg insurance can be found from both online companies and from local insurance agents, and you should be comparing both so you have a total pricing picture.

Consumers leave their current company for any number of reasons including denial of a claim, not issuing a premium refund, being labeled a high risk driver and even policy non-renewal. It doesn’t matter what your reason, finding the right insurance provider is pretty simple and you could end up saving a buck or two.

When you buy Austin car insurance online, you should never sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced liability limits or collision coverage and learned later they didn’t have enough coverage. The ultimate goal is to find the BEST coverage at an affordable rate and still be able to protect your assets.

For more information, feel free to browse the articles below:

• Help Your Teen Be a Better Driver (State Farm)
• Who Has Affordable Austin Auto Insurance for Drivers with Good Credit? (FAQ)
• Who Has Affordable Austin Auto Insurance for Drivers Requiring a SR22? (FAQ)
• Who Has the Cheapest Car Insurance for Government Employees in Austin? (FAQ)
• Who Has the Cheapest Austin Car Insurance for a Toyota Tacoma? (FAQ)
• Rollover Crash FAQ (iihs.org)
• What Does No-Fault Insurance Cover? (Allstate)
• Where can I buy Insurance? (Insurance Information Institute)