Compare Volkswagen Tiguan Insurance Rates in Memphis

Insurance rates Volkswagen Tiguan in MemphisDo you want a faster way to compare more affordable Volkswagen Tiguan insurance in Memphis? There isn’t anyone who anticipates paying for car insurance, especially when they know they could find better prices if they shop around.

Sadly, most consumers have bought car insurance from the same company for over three years, and approximately 38% of consumers have never compared rates to find cheaper insurance. Memphis drivers could pocket almost 35% a year by just comparing quotes, but they don’t believe how much savings they would realize if they changed companies. There is such a variety of insurance companies to pick from, and even though it’s nice to have a selection, having more auto insurance companies makes it harder to compare rates for Volkswagen Tiguan insurance in Memphis.

It’s a good habit to do rate comparisons quite often because prices change frequently. Despite the fact that you may have had the lowest rates on Volkswagen Tiguan insurance in Memphis a couple years back other companies may now be cheaper. Ignore everything you know about car insurance because I’m going to teach you the fastest and easiest way to properly buy coverages and cut your premium.

The goal of this article is to tell you the most effective way to quote insurance and how to save the most money. If you currently have insurance, you stand a good chance to be able to find the best rates using the concepts you’re about to learn. Drivers just need to know the most time-saving way to compare different rates online.

Best companies for Volkswagen Tiguan insurance

The companies shown below provide free quotes in Memphis, TN. To find the best car insurance in Memphis, TN, we recommend you compare several of them to get the most affordable price.

Auto insurance data for a Volkswagen Tiguan

The information displayed next highlights a range of insurance prices for Volkswagen Tiguan models. Understanding how insurance premiums are established can be useful when making informed decisions when comparing rate quotes.

Volkswagen Tiguan Insurance Rates in Memphis, TN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tiguan S 2WD $192 $368 $278 $16 $84 $938 $78
Tiguan S 2WD $192 $368 $278 $16 $84 $938 $78
Tiguan SE 4Motion AWD $216 $434 $278 $16 $84 $1,028 $86
Tiguan SEL 4Motion AWD $216 $434 $278 $16 $84 $1,028 $86
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Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Prices do not factor in the specific area where the vehicle is garaged which can alter price quotes substantially.

How Your Tiguan Insurance Costs are Determined

Consumers need to have an understanding of some of the things that play a part in calculating your policy premiums. If you know what determines premiums, this enables you to make decisions that could result in better car insurance rates.

Affordable Memphis insurance rates with discounts

Some companies don’t necessarily list every discount they offer in a way that’s easy to find, so the below list has both well-publicized in addition to some of the lesser obvious insurance savings.Insurance discounts

As is typical with insurance, some credits don’t apply to all coverage premiums. Most only reduce specific coverage prices like comp or med pay. If you do the math and it seems like adding up those discounts means a free policy, companies don’t profit that way.

The illustration below shows the difference between Volkswagen Tiguan insurance costs with and without discounts applied to the rates. The rate quotes are based on a male driver, no claims, a clean driving record, Tennessee 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 multi-policy, marriage, multi-car, homeowner, safe-driver, and claim-free discounts applied.

Popular insurance companies and their offered discounts can be found below.

Double check with every prospective company which discounts you qualify for. Savings might not be offered on policies everywhere. For a list of insurance companies with discount rates in Tennessee, click this link.

Independent or exclusive auto insurance agents

Some consumers just prefer to get advice from a local agent and that is OK! Insurance agents will help you protect your assets and help submit paperwork. An additional benefit of getting free rate quotes online is that you can obtain cheap auto insurance rates but still work with a licensed agent. Supporting local insurance agents is important especially in Memphis.

Memphis insurance agentsTo find an agent, once you fill out this quick form, the quote information is submitted to companies in Memphis who will give you quotes for your insurance coverage. It makes it easy because there is no need to contact any agents since price quotes are sent to your email. In the event you want to get a rate quote from a specific insurance company, you can always jump over to their website and complete a quote there.

If you want to buy auto insurance from a reliable agent, it’s helpful to know the different types of agents that you can select. Agents can be described as either independent or exclusive. Both insure your vehicles, but it’s important to point out why they differ since it could factor into which type of agent you select.

Independent Agents (or Brokers)

Agents that elect to be independent can quote rates with many companies and that is an advantage because they can write policies with a variety of different insurance companies and get you the best rates possible. If they quote lower rates, the agent simply finds a different carrier which is easy for the insured.

When comparison shopping, it’s a good idea to include rate quotes from several independent agencies to get the most accurate price comparison.

Below is a small list of independent insurance agents in Memphis that can give you competitive price quotes.

5495 Winchester Rd Suite 3Memphis, TN 38115(901) 362-6052View Map

8046 N Brother Blvd #101Memphis, TN 38133(901) 386-4777View Map

4778 Summer Ave Ste 1Memphis, TN 38122(901) 266-5507View Map

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Exclusive Agents

Exclusive agencies can only provide one company’s prices like Allstate, State Farm and Farmers Insurance. These agents are unable to provide other company’s prices so if the price isn’t competitive there isn’t much they can do. Exclusive agents are well schooled on their company’s products which helps them sell insurance even at higher premiums.

The following are exclusive insurance agents in Memphis that are able to give price quotes.

420 S Germantown Pkwy #109Cordova, TN 38018(901) 761-5240View Map

248 Cooper StMemphis, TN 38104(901) 276-1044View Map

7249 Winchester RdMemphis, TN 38125(901) 572-1985View Map

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Finding the right auto insurance agent should depend on more than just the premium amount. A good agent in Memphis will have answers to these questions.

Tennessee auto insurance company ratings

Selecting the best auto insurance provider can be a challenge considering how many different companies there are to choose from in Memphis. The rank data below could help you decide which car insurance providers you want to consider when comparing rates.

Memphis, Tennessee Auto Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Erie Insurance 87 84 85 85% A+ 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies

Find affordable insurance prices by comparing often

In this article, we covered many ways to reduce Volkswagen Tiguan insurance rates online in Memphis. The key thing to remember is the more rate quotes you have, the higher your chance of finding cheaper Memphis auto insurance quotes. You may even discover the lowest priced insurance comes from an unexpected company. They may cover specific market segments cheaper than the large multi-state companies such as Allstate, GEICO and Progressive.

Budget-conscious Volkswagen Tiguan insurance can be purchased on the web in addition to many Memphis insurance agents, and you should compare price quotes from both to get a complete price analysis. There are still a few companies who do not provide rate quotes online and most of the time these small insurance companies sell through independent agents.

When trying to cut insurance costs, you should never buy poor coverage just to save money. In many instances, consumers will sacrifice comprehensive coverage or liability limits only to discover later that the few dollars in savings costed them thousands. Your goal is to purchase a proper amount of coverage at a price you can afford and still be able to protect your assets.

Steps to quoting cheaper Volkswagen Tiguan insurance in Memphis

If saving the most money is your goal, then the best way to find lower priced Volkswagen Tiguan insurance in Memphis is to compare quotes annually from providers who provide car insurance in Tennessee. You can compare prices by following these guidelines.

  1. Try to understand the coverage provided by your policy and the steps you can take to prevent expensive coverage. Many policy risk factors that cause high rates such as traffic tickets, fender benders, and a not-so-good credit history can be remedied by being financially responsible and driving safely.
  2. Compare price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give rate quotes from one company like Progressive or State Farm, while independent agencies can give you price quotes from multiple sources.
  3. Compare the new rate quotes to the price on your current policy and see if there is a cheaper rate in Memphis. If you find a better price and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.
  4. Tell your current company of your intention to cancel the current policy. Submit payment and a completed application to your new agent or company. As soon as you have the new policy, place your new certificate verifying coverage in your glove compartment.

An important bit of advice to remember is to use similar coverage information on each price quote and and to compare as many auto insurance providers as possible. Doing this ensures an accurate price comparison and plenty of rates choose from.

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