If you want to save the most money, the best way to get cheaper auto insurance rates is to compare prices once a year from insurance carriers in Chula Vista. This can be done by completing these steps.
- Read about how auto insurance works and the modifications you can make to prevent expensive coverage. Many rating factors that cause high rates such as accidents, careless driving, and a bad credit rating can be rectified by making minor driving habit or lifestyle changes. Continue reading for information to help find cheaper rates and get bigger discounts.
- Compare price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only quote rates from one company like Progressive or Allstate, while agents who are independent can give you price quotes for a wide range of insurance providers.
- Compare the new rate quotes to the price on your current policy to see if switching to a new carrier will save money. If you find a lower rate and change companies, make sure there is no lapse between the expiration of your current policy and the new one.
- Tell your current agent or company to cancel your current policy and submit a completed application and payment to your new agent or company. As soon as you have the new policy, safely store the certificate verifying proof of insurance in a readily accessible location in your vehicle.
One bit of advice is to use the same coverage limits and deductibles on every quote request and and to get price estimates from as many auto insurance providers as possible. Doing this enables the most accurate price comparison and maximum price selection.
It’s hard to fathom, but the vast majority of consumers have stayed with the same insurance company for over three years, and roughly 40% of drivers have never quoted rates to find cheaper coverage. The average driver in Chula Vista could save themselves almost 35% a year by just comparing rate quotes, but they don’t want to spend time to shop around.
The most recommended method to compare car insurance rates for Volkswagen Tiguan insurance in Chula Vista is to take advantage of the fact all the major auto insurance companies participate in a system to give free rates quotes. To begin a comparison, all you need to do is provide information including if it has an alarm system, if you have an active license, how your vehicles are used, and driver details. Your insurance information is automatically sent to insurance carriers in your area and you should receive rate quotes within a short period of time.
If you would like to compare rates now, click here and find out if lower rates are available in Chula Vista.
The companies shown below are ready to provide price quotes in California. If you wish to find cheap auto insurance in California, we recommend you get prices from several of them to get the cheapest price.
Insurance statistics for a Volkswagen Tiguan
The premium table below outlines a range of policy rates for Volkswagen Tiguan models. Having a better understanding of how insurance rates are established can help you make informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tiguan S 2WD | $368 | $672 | $384 | $22 | $114 | $1,560 | $130 |
| Tiguan S 2WD | $368 | $672 | $384 | $22 | $114 | $1,560 | $130 |
| Tiguan SE 4Motion AWD | $416 | $792 | $384 | $22 | $114 | $1,728 | $144 |
| Tiguan SEL 4Motion AWD | $416 | $792 | $384 | $22 | $114 | $1,728 | $144 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Price estimates do not factor in specific location information which can affect premium rates noticeably.
Where to set your deductibles
A question often asked by Chula Vista drivers is how low should you set your deductibles. The comparisons below lay out the rate difference of buying low and high policy deductibles. The first set of prices uses a $100 physical damage coverage deductible and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tiguan S 2WD | $380 | $686 | $376 | $22 | $112 | $1,601 | $133 |
| Tiguan S 2WD | $380 | $686 | $376 | $22 | $112 | $1,601 | $133 |
| Tiguan SE 4Motion AWD | $430 | $810 | $376 | $22 | $112 | $1,775 | $148 |
| Tiguan SEL 4Motion AWD | $430 | $810 | $376 | $22 | $112 | $1,775 | $148 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tiguan S 2WD | $210 | $362 | $376 | $22 | $112 | $1,082 | $90 |
| Tiguan S 2WD | $210 | $362 | $376 | $22 | $112 | $1,082 | $90 |
| Tiguan SE 4Motion AWD | $238 | $426 | $376 | $22 | $112 | $1,174 | $98 |
| Tiguan SEL 4Motion AWD | $238 | $426 | $376 | $22 | $112 | $1,174 | $98 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Premium costs do not factor in vehicle location which can raise or lower coverage rates noticeably.
We can derive from the above data that using a $100 deductible could cost the average driver approximately $47 more each month or $564 a year than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go at least 19 months between claims, you would probably save some money by going with a higher deductible.
The chart below illustrates how your choice of deductibles and can raise or lower Volkswagen Tiguan insurance costs for each different age group. The rates are based on a married female driver, comp and collision included, and no other discounts are factored in.
How accidents and violations affect rates
The chart below shows how violations and at-fault accidents can influence Volkswagen Tiguan insurance premiums for each different age category. The price estimates are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.
Full coverage versus liability-only in Chula Vista
The illustration below shows the comparison of Volkswagen Tiguan insurance rates with full coverage and liability only. The premiums are based on no accidents or driving violations, $1,000 deductibles, single status, and no additional discounts are factored in.
When to stop buying physical damage coverage
There is no set guideline of when to stop paying for full coverage on your policy, but there is a general convention. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.
For example, let’s pretend your Volkswagen Tiguan claim settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $7,000 after the deductible is paid. If premium cost is more than $700 a year for physical damage coverage, then it may be the right time to buy liability only.
There are some scenarios where only buying liability is not a good plan. If you haven’t satisfied your loan, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should keep full coverage.
Lower rates by qualifying for discounts
Car insurance companies don’t list every possible discount in a way that’s easy to find, so we break down a few of the more well known and also the lesser-known credits that may apply to you.
- Military Discounts – Being deployed with a military unit could qualify you for better premium rates.
- Theft Deterrent System – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and can earn a small discount on your policy.
- Defensive Driver Discounts – Completing a safe driver class can save you 5% or more and easily recoup the cost of the course.
- Driving Data Discount – Drivers who elect to allow their insurance company to spy on their driving habits remotely such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction as long as the data is positive.
- Drivers Ed for Students – Have your child enroll in driver’s education in high school.
- No Claims – Claim-free drivers can earn big discounts when compared to frequent claim filers.
One last thing about discounts, many deductions do not apply to the entire cost. Most only cut specific coverage prices like liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.
The information below visualizes the comparison of Volkswagen Tiguan insurance rates with and without some available policy discounts. Data assumes a female driver, no violations or accidents, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, safe-driver, marriage, multi-car, and homeowner discounts applied.
Popular insurance companies and a partial list of their discounts can be found below.
- GEICO may offer discounts for daytime running lights, federal employee, air bags, membership and employees, and good student.
- MetLife offers discounts including good driver, multi-policy, defensive driver, accident-free, good student, claim-free
- Progressive has discounts for multi-vehicle, good student, online signing, online quote discount, homeowner, multi-policy, and continuous coverage.
- Travelers offers premium reductions for continuous insurance, home ownership, early quote, multi-policy, student away at school, and good student.
- SAFECO policyholders can earn discounts including drive less, safe driver, teen safety rewards, anti-theft, anti-lock brakes, accident prevention training, and bundle discounts.
- AAA may have discounts that include AAA membership discount, education and occupation, good driver, multi-car, and multi-policy.
Before buying, ask each insurance company which credits you are entitled to. Some discounts listed above may not be offered in Chula Vista. To choose insurers who offer free Volkswagen Tiguan insurance quotes in Chula Vista, click here.
Three good reasons to insure your Volkswagen Tiguan
Despite the fact that insurance is not cheap in Chula Vista, maintaining insurance is a good idea for several reasons.
- The majority of states have mandatory liability insurance requirements which means you are required to buy a specific level of liability in order to get the vehicle licensed. 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.
- If you have a lien on your Volkswagen Tiguan, most banks will force you to carry insurance to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the lender may have to buy a policy to insure your Volkswagen at a more expensive rate and require you to reimburse them for the expensive policy.
- Insurance protects not only your Volkswagen but also your assets. It will also cover medical transport and hospital expenses for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, also covers legal expenses if you are named as a defendant in an auto accident. If damage is caused by hail or an accident, your insurance policy will pay to restore your vehicle to like-new condition.
The benefits of having insurance definitely exceed the price paid, particularly if you ever have a claim. But the average driver in California overpays more than $869 every year so it’s recommended you shop around once a year at a minimum to save money.
How to find a good California auto insurance company
Choosing the top company can be challenging considering how many different companies there are to choose from in Chula Vista. The company ratings in the next section can help you pick which companies you want to consider putting your business with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Situations that may require an agent’s advice
When buying proper insurance coverage for your vehicles, there really is no one-size-fits-all type of policy. Every insured’s situation is different.
For example, these questions may help you determine if your insurance needs will benefit from professional help.
- What is covered by UM/UIM coverage?
- Am I covered if I hit someone who is not insured?
- Are all vehicle passengers covered by medical payments coverage?
- Am I covered while delivering pizza?
- Should I have combined single limit or split liability limits?
- Is pet coverage available?
- How high should my uninsured/underinsured coverage be in California?
- What does medical payments cover?
- What is glass protection for?
If it’s difficult to answer those questions, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.
Insurance agent or online?
Some people still prefer to visit with an insurance agent and that can be a great decision Insurance agents will help you protect your assets and will help you if you have claims. A good thing about comparing insurance online is the fact that you can find cheaper car insurance rates and still buy from a local agent. Buying from and supporting local agencies is especially important in Chula Vista.
By using this form (opens in new window), the quote information is instantly submitted to companies in Chula Vista who will give you bids and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to find an agent because prices are sent straight to your inbox. If for some reason you want to get a rate quote from a specific insurance company, you can always go to their quote page and give them your coverage information.
Independent or Exclusive: It’s your choice
If you would like to find a local Chula Vista insurance agency, there are two types of agencies that you can choose from. Agencies in Chula Vista can be classified as either exclusive or independent. Both sell insurance policies, but it’s important to point out the difference between them since it can impact your agent selection.
Independent Agencies or Brokers
Agents in the independent channel often have affiliation with several companies and that allows them to write policies with multiple insurance companies depending on which coverage is best. If premiums increase, they can switch companies in-house and you don’t have to switch agencies.
When searching for an agent, you will want to get quotes from at least one independent agent to ensure the widest selection of prices. Many can place coverage with smaller companies that may have much lower rates than larger companies.
Featured below is a partial list of independent agents in Chula Vista that may be able to give free rate quotes.
- Elect Insurance Center
1229 Third Ave c – Chula Vista, CA 91911 – (619) 425-3532 – View Map - Garrison Insurance Agency, Inc
553 Telegraph Canyon Rd – Chula Vista, CA 91910 – (800) 701-5909 – View Map - Mercury Insurance Agency est. 1966
40 Third Ave – Chula Vista, CA 91910 – (619) 427-2662 – View Map
Exclusive Agents
Exclusive insurance agents generally can only insure with one company and examples are Allstate, State Farm and Farmers Insurance. They generally cannot compare other company’s rates so they are skilled at selling on more than just price. They are well trained in insurance sales which can be an advantage. Some people will only buy insurance from these agents primarily because of the prominent brand name instead of buying on price only.
Below is a list of exclusive agents in Chula Vista willing to provide rate quotes.
- Farmers Insurance – Walter Harrison
680 Telegraph Canyon Rd #102 – Chula Vista, CA 91910 – (619) 585-3326 – View Map - Lee Meyer – State Farm Insurance Agent
826 Starboard St – Chula Vista, CA 91914 – (619) 656-5020 – View Map - State Farm: Cynthia Stojeba
46 3rd Ave B – Chula Vista, CA 91910 – (619) 425-1403 – View Map
Picking the best car insurance agent needs to be determined by more than just a low price. These are valid questions to ask:
- How is replacement cost determined on your vehicle?
- Does the agent recommend any additional coverage?
- Do the companies they represent have a solid financial rating?
- Do they make recommendations based only on price?
- How are they compensated?
- Do they review policy coverages at every renewal?
- What discounts might you be missing?