It’s safe to assume that car insurance companies don’t want you comparing rates. Drivers who shop around will most likely switch auto insurance companies because there are good odds of finding coverage at a cheaper rate. A study showed that consumers who compared rates once a year saved over $3,500 over four years compared to people who never compared prices.
If finding discount rates on auto insurance in Durham is why you’re here, learning how to find companies and compare insurance coverage can help you succeed in saving money.
The best way we recommend to get more affordable Volkswagen Tiguan insurance in Durham is to do an annual price comparison from different companies in North Carolina.
- Gain an understanding of the different coverages in a policy and the things you can control to lower rates. Many rating criteria that result in higher rates like accidents, traffic tickets, and an unfavorable credit rating can be rectified by being financially responsible and driving safely.
- Get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only quote rates from a single company like GEICO and State Farm, while independent agents can quote prices from multiple companies. View insurance agents
- Compare the quotes to your current policy to see if switching to a new carrier will save money. If you find better rates and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Tell your current agent or company to cancel your current car insurance policy. Submit a down payment along with a signed application to your new company or agent. Be sure to put the certificate of insurance with your registration paperwork.
The critical component of shopping around is to compare the same coverage limits and deductibles on each quote request and to quote with as many different insurance providers as possible. Doing this enables a fair price comparison and the best rate selection.
If you are insured now or just want cheaper coverage, use these tips to reduce premiums without reducing protection. We hope to tell you the best methods to compare rates and some money-saving tips. Vehicle owners only need to know the most time-saving way to compare rates over the internet.
Cheap Volkswagen insurance rate quotes in Durham
The providers in the list below offer price quotes in North Carolina. If multiple companies are listed, it’s highly recommended you compare several of them to find the most affordable car insurance rates.
Rate information and statistics
The premium information displayed below covers a range of prices for Volkswagen Tiguan models. Being aware of how auto insurance prices are calculated can assist in making informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tiguan S 2WD | $122 | $222 | $204 | $12 | $60 | $620 | $52 |
| Tiguan S 2WD | $122 | $222 | $204 | $12 | $60 | $620 | $52 |
| Tiguan SE 4Motion AWD | $138 | $262 | $204 | $12 | $60 | $676 | $56 |
| Tiguan SEL 4Motion AWD | $138 | $262 | $204 | $12 | $60 | $676 | $56 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Price information does not factor in zip code location which can increase or decrease prices substantially.
Deductible comparison
When shopping for auto insurance, a common question is at what level do you set your deductibles. The data tables below summarize the premium difference when you buy lower versus higher physical damage deductibles. The first table uses a $100 physical damage coverage deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tiguan S 2WD | $214 | $386 | $212 | $12 | $64 | $913 | $76 |
| Tiguan S 2WD | $214 | $386 | $212 | $12 | $64 | $913 | $76 |
| Tiguan SE 4Motion AWD | $242 | $456 | $212 | $12 | $64 | $1,011 | $84 |
| Tiguan SEL 4Motion AWD | $242 | $456 | $212 | $12 | $64 | $1,011 | $84 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tiguan S 2WD | $118 | $204 | $212 | $12 | $64 | $610 | $51 |
| Tiguan S 2WD | $118 | $204 | $212 | $12 | $64 | $610 | $51 |
| Tiguan SE 4Motion AWD | $134 | $240 | $212 | $12 | $64 | $662 | $55 |
| Tiguan SEL 4Motion AWD | $134 | $240 | $212 | $12 | $64 | $662 | $55 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Estimates do not factor in vehicle location which can alter auto insurance rates greatly.
Based on the data above, we can derive that using a $100 deductible costs an average of $27 more each month or $324 every year than choosing the higher $1,000 deductible. Since you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average at a minimum 33 months between claim filings, you would save more money if you opt for a higher deductible. Here is the way you can decide this on your own policy.
| Average monthly premium for $100 deductibles: | $80 |
| Average monthly premium for $1,000 deductibles (subtract): | – $53 |
| Monthly savings from raising deductible: | $27 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $27 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 33 months |
The diagram below demonstrates how choosing different deductibles and can change Volkswagen Tiguan insurance costs for different age groups of insureds. The rate quotes are based on a single male driver, comp and collision included, and no policy discounts are applied.
Annual premiums for males versus females
The illustration below illustrates the difference between Volkswagen Tiguan insurance rates for male and female drivers. Data assumes no claims or driving citations, comp and collision included, $250 deductibles, drivers are single, and no discounts are applied.
These discounts can reduce Volkswagen Tiguan insurance rates
Car insurance is not inexpensive, but there may be some discounts that could help you make your next renewal payment. Larger premium reductions will be automatically applied at quote time, but occasionally some discounts must be specially asked for before you will receive the discount.
- Clubs and Organizations – Joining a professional or civic organization is a simple method to lower premiums when getting a Durham car insurance quote.
- One Accident Forgiven – Not a discount per se, but a few companies such as Progressive, Allstate, and GEICO allow you one accident before hitting you with a surcharge if you have no claims before the accident.
- Sign Online – A few larger online companies will discount your bill up to fifty bucks for signing up on the web.
- Driver’s Ed – Cut your cost by having your teen driver enroll in driver’s education in school.
- Buy New and Save – Insuring a vehicle that is new can save up to 30% since newer vehicles have better safety ratings.
- Good Students Pay Less – Getting good grades could provide a savings of up to 20% or more. Earning this discount can benefit you until age 25.
One last thing about discounts, most discount credits are not given to the whole policy. Most only cut the cost of specific coverages such as comp or med pay. Just because you may think all those discounts means the company will pay you, you aren’t that lucky.
The illustration below visualizes the comparison of Volkswagen Tiguan yearly insurance costs with and without discounts applied to the policy premium. The costs are based on a male driver, no tickets, no at-fault accidents, North Carolina state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, claim-free, multi-policy, marriage, and multi-car discounts applied.
Insurance companies who may offer these money-saving discounts are:
If you are trying to find affordable Volkswagen Tiguan insurance quotes, ask all the companies which credits you are entitled to. Some of the earlier mentioned discounts might not be available to policyholders in your area. To see a list of insurance companies with discount car insurance rates in Durham, click this link.
When in doubt talk to an agent
When buying the right insurance coverage for your vehicles, there really is no single plan that fits everyone. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that might point out if your insurance needs would benefit from professional advice.
- Am I covered if I hit my neighbor’s mailbox?
- Why is insurance for a teen driver so high in Durham?
- Is my son or daughter covered when driving my car?
- What if I don’t agree with a claim settlement offer?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- When should I drop full coverage on my Volkswagen Tiguan?
- When should I not file a claim?
- Should I have a commercial auto policy?
- What is the ISO rating for a Volkswagen Tiguan?
- How much will a speeding ticket raise my rates?
If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.
Local Durham auto insurance agents
A lot of people would rather visit with an insurance agent and that can be a smart move Licensed agents are very good at helping people manage risk and help in the event of a claim. One of the best bonuses of comparing auto insurance online is that you can obtain lower rates but also keep your business local.
To make it easy to find an agent, after completing this form (opens in new window), the coverage information gets sent to companies in Durham who want to provide quotes and help you find cheaper coverage. You won’t even need to leave your computer as quotes are delivered immediately to your email address. If you need to quote rates for a specific company, you would need to find their quoting web page to submit a rate quote request.
Choosing the best insurance company requires more thought than just the price. Any good agent in Durham should know the answers to these questions.
- Do they get paid more for recommending certain coverages?
- How are claims handled?
- Is assistance available after office hours?
- Can you contact them at any time?
- Do they see any coverage gaps in your plan?
- Does their agency support local causes in Durham?
If you would like to find a good insurance agency, it’s important to understand the different agency structures that differ in how they can insure your vehicles. Agents in Durham are considered either independent agents or exclusive agents depending on their employer. Both do a good job, but it’s a good idea to understand the differences since it can affect your agent selection.
Exclusive Insurance Agents
Exclusive agents work for only one company like Allstate, AAA, Farmers Insurance, and State Farm. They generally cannot provide other company’s prices so you need to shop around if the rates are high. These agents receive extensive training on their company’s products and that can be a competitive advantage. Many people buy insurance from these agents primarily because of the prominent brand name and strong financial ratings.
The following is a list of exclusive agencies in Durham willing to provide price quote information.
- Marty Lindsey – State Farm Insurance Agent
1852 Hillandale Rd – Durham, NC 27705 – (919) 479-9671 – View Map - Allstate Insurance Agent: Ella Latreille
2005 N Pointe Dr Ste 3 – Durham, NC 27705 – (919) 479-2077 – View Map - Tracey Stidham – State Farm Insurance Agent
3622 Shannon Rd #102 – Durham, NC 27707 – (919) 401-6147 – View Map
Independent Auto Insurance Agencies
Agents that elect to be independent are normally appointed by many insurers and that is an advantage because they can write policies amongst many companies and find you cheaper rates. If your agent finds better pricing, they simply move your policy to a different company and you won’t have to switch agencies. If you are trying to find cheaper rates, you absolutely need to get some free quotes from at a minimum one independent agency for the best price selection. A lot of them also have access to smaller companies which may provide better rates.
Listed below is a short list of independent agencies in Durham who can help you get comparison quotes.
- The Insurance Pros, Inc.
1210 Cole Mill Rd Suite 101 – Durham, NC 27705 – (919) 294-6613 – View Map - Superior Insurance Durham North
3808 Guess Rd Suite J – Durham, NC 27705 – (919) 973-1507 – View Map - Mike Embree Insurance Agency
3813 University Dr – Durham, NC 27707 – (919) 489-7336 – View Map
Cheaper car insurance rates are out there
Low-cost Volkswagen Tiguan insurance in Durham can be purchased both online as well as from insurance agents, so you should be comparing quotes from both to have the best rate selection. A few companies do not offer online quoting and usually these small insurance companies work with independent insurance agents.
As you quote Durham car insurance, make sure you don’t reduce needed coverages to save money. In many instances, an accident victim reduced liability limits or collision coverage only to regret at claim time that the few dollars in savings costed them thousands. The ultimate goal is to purchase a proper amount of coverage for the lowest price, but do not sacrifice coverage to save money.
Much more information about car insurance in North Carolina is available at the links below
- Booster Seat Ratings (iihs.org)
- Who Has Affordable Car Insurance for First-time Drivers in Durham? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Teachers in Durham? (FAQ)
- Who Has Affordable Auto Insurance Rates for a Ford Explorer in Durham? (FAQ)
- Who Has the Cheapest Durham Auto Insurance Quotes for Infrequent Drivers? (FAQ)
- Who Has Cheap Car Insurance Rates for a Nissan Sentra in Durham? (FAQ)
- How Much is Auto Insurance for Drivers with Bad Credit in Durham? (FAQ)
- Understanding Your Insurance Deductible (Insurance Information Institute)
- Frontal Crash Tests (iihs.org)
- What is Covered by GAP Insurance? (Allstate)