Are you overwhelmed by the number of auto insurance companies that you can choose from? There are such a vast assortment of companies available that it can really be a real hassle to find the lowest price for Volkswagen Tiguan insurance in Kansas City. Everyone knows that Kansas City is the perfect city to reside in, but getting gouged by high auto insurance rates can make it hard to afford enough coverage.
Steps to finding cheaper Volkswagen Tiguan insurance in Kansas City
Truthfully, the best way to get the cheapest Volkswagen Tiguan insurance is to annually compare prices from insurers in Kansas City. You can shop around by following these guidelines.
First, take a little time to learn about what coverages are included in your policy and the things you can change to drop your rates. Many policy risk factors that increase rates such as traffic citations and a bad credit score can be amended by improving your driving habits or financial responsibility. Read the full article for ideas to help prevent high rates and get discounts that may be available to you.
Second, obtain price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only provide price estimates from a single company like Progressive or Allstate, while agents who are independent can provide prices from multiple companies. Select a company
Third, compare the new rate quotes to your existing rates to see if a cheaper price is available in Kansas City. If you find a better price and make a switch, make sure coverage does not lapse between policies.
Fourth, provide proper notification to your current company of your decision to cancel your current auto insurance policy and submit the signed application along with the required initial payment to the new company. Once coverage is bound, safely store the certificate of insurance in a readily accessible location in your vehicle.
A good piece of advice is to use the same coverage limits and deductibles on every quote and and to get rate quotes from as many car insurance companies as possible. This provides the most accurate price comparison and a better comparison of the market.
It’s an obvious statement that car insurance companies want to keep you from shopping around. People who shop around will most likely buy a new policy because they have good chances of getting low-cost coverage. A study discovered that consumers who compared rate quotes regularly saved approximately $70 a month compared to drivers who don’t make a habit of comparing rates.
If finding budget-friendly car insurance is your goal, then having some knowledge of how to find companies and compare insurance coverage can help you be more efficient.
Cheapest Volkswagen insurance prices in Kansas City
The companies shown below provide comparison quotes in Kansas City, MO. If multiple companies are listed, we recommend you visit several of them to get the best price comparison.
Volkswagen Tiguan insurance rates and statistics
The data table shown next outlines detailed analysis of insurance coverage prices for Volkswagen Tiguan models. Having a good grasp of how auto insurance prices are established can help customers make decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tiguan S 2WD | $110 | $224 | $256 | $16 | $76 | $682 | $57 |
| Tiguan S 2WD | $110 | $224 | $256 | $16 | $76 | $682 | $57 |
| Tiguan SE 4Motion AWD | $124 | $264 | $256 | $16 | $76 | $736 | $61 |
| Tiguan SEL 4Motion AWD | $124 | $264 | $256 | $16 | $76 | $736 | $61 |
| Get Your Own Custom Quote Go | |||||||
Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Rate information does not factor in Kansas City location which can modify coverage prices greatly.
Physical damage deductibles
When shopping for car insurance, a common question is which comprehensive and collision deductibles to buy. The tables below may help to conceptualize how much more you’ll pay of buying low and high coverage deductibles. The first rate estimation uses a $100 deductible for comprehensive and collision coverage and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tiguan S 2WD | $230 | $414 | $226 | $14 | $68 | $977 | $81 |
| Tiguan S 2WD | $230 | $414 | $226 | $14 | $68 | $977 | $81 |
| Tiguan SE 4Motion AWD | $258 | $488 | $226 | $14 | $68 | $1,079 | $90 |
| Tiguan SEL 4Motion AWD | $258 | $488 | $226 | $14 | $68 | $1,079 | $90 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tiguan S 2WD | $168 | $280 | $226 | $14 | $68 | $756 | $63 |
| Tiguan S 2WD | $168 | $280 | $226 | $14 | $68 | $756 | $63 |
| Tiguan SE 4Motion AWD | $188 | $330 | $226 | $14 | $68 | $826 | $69 |
| Tiguan SEL 4Motion AWD | $188 | $330 | $226 | $14 | $68 | $826 | $69 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Prices do not factor in your specific Kansas City location which can alter auto insurance rates significantly.
Based on the data above, we can derive that using a $100 deductible would cost the average driver about $20 more each month or $240 a year averaged for all Tiguan models than quoting the higher $500 deductible. Because you would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to have more than 20 months between claim filings, you would probably come out ahead by selecting a higher deductible. Here’s the way you can make your own decision.
| Average monthly premium for $100 deductibles: | $86 |
| Average monthly premium for $500 deductibles (subtract): | – $66 |
| Monthly savings from raising deductible: | $20 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $20 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 20 months |
The example below highlights how deductible choice and can impact Volkswagen Tiguan insurance costs for each age group. The premium estimates are based on a married female driver, comp and collision included, and no other discounts are factored in.
Volkswagen Tiguan insurance costs by age and gender
The illustration below shows the difference between Volkswagen Tiguan insurance premiums for male and female drivers. The data is based on no claims, a clean driving record, comp and collision included, $1,000 deductibles, single marital status, and no discounts are applied.
Lower rates by qualifying for these ten discounts
Car insurance is not cheap nor is it fun to buy but you might already qualify for some discounts that you may not even know about. Certain discounts will be triggered automatically when you get a quote, but less common discounts must be manually applied before they will apply. If you don’t get every credit available, you are not getting the best rate possible.
- 55 and Retired – If you’re over the age of 55, you can possibly qualify for better car insurance rates.
- One Accident Forgiven – This one isn’t a discount, but some companies like Liberty Mutual, GEICO and Allstate permit an accident before raising your premiums if you are claim-free for a certain period of time.
- Membership in Organizations – Being a member of certain professional organizations is a good way to get lower rates on your next renewal.
- Life Insurance Discount – Larger companies have a lower rate if you buy some life insurance too.
- Data Collection Discounts – Drivers that enable companies to monitor where and when they drive by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts if their driving habits are good.
- College Student – Children who live away from home at college and do not have access to a covered vehicle may be able to be covered for less.
- No Claim Discounts – Insureds with no claims or accidents can earn big discounts compared to insureds who have frequent claims or accidents.
- Defensive Driving Course – Passing a course that instructs on driving safety could cut 5% off your bill if your company offers it.
- Anti-lock Brakes – Vehicles with ABS and/or traction control are much safer to drive and qualify for as much as a 10% discount.
- Discounts for Multiple Vehicles – Having several vehicles with one company can reduce the rates for all insured vehicles.
Consumers should know that some of the credits will not apply to the whole policy. The majority will only reduce individual premiums such as collision or personal injury protection. Despite the fact that it seems like you can get free auto insurance, company stockholders wouldn’t be very happy. Any qualifying discounts will reduce the cost of coverage.
The chart below shows the comparison of Volkswagen Tiguan auto insurance rates with and without policy discounts. The premium estimates are based on a male driver, no driving violations, no at-fault accidents, Missouri state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, claim-free, homeowner, multi-policy, and multi-car discounts applied.
A few popular companies and the discounts they provide are shown below.
- Travelers offers discounts for continuous insurance, multi-car, multi-policy, home ownership, and new car.
- 21st Century may offer discounts for good student, homeowners, 55 and older, air bags, teen driver, and student driver.
- State Farm has savings for multiple policy, student away at school, good student, accident-free, good driver, and passive restraint.
- GEICO has discounts for daytime running lights, defensive driver, federal employee, good student, air bags, anti-lock brakes, and anti-theft.
- SAFECO offers premium reductions for teen safety rewards, bundle discounts, drive less, anti-theft, homeowner, and multi-car.
- AAA includes discounts for anti-theft, pay-in-full, AAA membership discount, education and occupation, good driver, and good student.
If you need lower rates, check with every company to apply every possible discount. All car insurance discounts may not be available everywhere. If you would like to choose from a list of providers who offer discounts in Missouri, click here.
Get rate quotes but still have a local Kansas City insurance agency
Certain consumers prefer to get professional advice from a licensed agent and that is OK! One of the great benefits of comparing auto insurance online is that you can obtain the lowest rates but also keep your business local. Putting coverage with neighborhood agents is still important in Kansas City.
After completing this quick form, the coverage information is transmitted to agents in your area who will return price quotes for your auto insurance coverage. It makes it easy because there is no need to search for an agent due to the fact that quote results will go instantly to you. It’s the lowest rates without requiring a lot of work. If for some reason you want to get a price quote from a specific auto insurance provider, just search and find their rate quote page and fill out the quote form the provide.
If you want to buy auto insurance from a reputable insurance agent or broker, you need to know there are two types of insurance agents and how they are distinctly different. Insurance agencies in Kansas City can be categorized as either independent agents or exclusive agents depending on their employer.
Independent Auto Insurance Agents
Independent agencies are not required to write business for one company so they can insure your vehicles with multiple insurance companies and possibly get better coverage at lower prices. If you want to switch companies, your policy is moved internally and you don’t have to switch agencies. When comparing rate quotes, we recommend you get rate quotes from at least one independent agent in order to have the best price comparison. Most can insure with additional companies that you may not be familiar with which may have better rates.
Shown below is a partial list of independent agents in Kansas City that may be able to give price quotes.
- Northland Independent Insurance Group
5575 NW Barry Rd – Kansas City, MO 64154 – (816) 587-1826 – View Map - Daniel Crawford Insurance Agency
1201 NW Briarcliff Pkwy #345 – Kansas City, MO 64116 – (816) 390-4790 – View Map - Abbott Insurance Inc.
8117 N Oak Trafficway – Kansas City, MO 64118 – (816) 452-8810 – View Map
Exclusive Insurance Agents
Exclusive agents have only one company to place business with like State Farm, AAA, and Liberty Mutual. They generally cannot shop your coverage around so always compare other rates. These agents are very knowledgeable on their company’s products which helps them sell insurance even at higher premiums. A lot of people use the same agent mainly due to high brand loyalty rather than having the cheapest rates.
Below are Kansas City exclusive insurance agents who can help you get price quotes.
- Farmers Insurance – Alisha Elliott
851 NW 45th St #301 – Kansas City, MO 64116 – (816) 841-9494 – View Map - Allstate Insurance: Kelly Benbow
221 E Gregory Blvd b – Kansas City, MO 64114 – (816) 333-3611 – View Map - Carleton Voorhies – State Farm Insurance Agent
7709 NW Prairie View Rd – Kansas City, MO 64151 – (816) 741-3558 – View Map
Deciding on an insurance agency should include more criteria than just the price. Agents should be asked these questions:
- What companies can they write with?
- Is coverage determined by price?
- Did they already check your driving record and credit reports?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Which members of your family are coverage by the policy?
- Do the companies they represent have a solid financial rating?
- When do they do a full risk review?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
After talking to the agent and getting good answers to your questions and an affordable coverage quote, most likely you have located an insurance agent that meets your needs to service your policy.
Specific coverages for a Volkswagen Tiguan
Knowing the specifics of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.
Comprehensive car insurance
This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive can pay for claims like hitting a bird, a tree branch falling on your vehicle, hail damage and vandalism. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Auto liability insurance
Liability insurance provides protection from damage that occurs to other people or property in an accident. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/10 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $10,000 paid for damaged property. Some companies may use a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.
Liability insurance covers claims like pain and suffering, repair bills for other people’s vehicles, court costs, medical expenses and repair costs for stationary objects. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford. Missouri state law requires minimum liability limits of 25/50/10 but you should think about purchasing more coverage.
The chart below demonstrates why the minimum limit may not provide you with enough coverage.
Coverage for medical expenses
Med pay and PIP coverage pay for short-term medical expenses such as surgery, prosthetic devices, pain medications, hospital visits and doctor visits. They are often utilized in addition to your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage
Coverage for uninsured or underinsured drivers
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and also any damage incurred to your Volkswagen Tiguan.
Since a lot of drivers carry very low liability coverage limits (25/50/10), their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Most of the time these coverages do not exceed the liability coverage limits.
Auto collision coverage
Collision coverage will pay to fix damage to your Tiguan resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims such as hitting a mailbox, hitting a parking meter, colliding with another moving vehicle, sideswiping another vehicle and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to increase the deductible on your Tiguan to get cheaper collision coverage.
Don’t give up on affordable coverage
We covered some good ideas how to find cheap Volkswagen Tiguan insurance in Kansas City. The key thing to remember is the more rate quotes you have, the better your comparison will be. Consumers could even find that the lowest premium rates are with some of the smallest insurance companies.
When searching for the cheapest Volkswagen Tiguan rate quotes, it’s a bad idea to sacrifice coverage to reduce premiums. Too many times, an insured dropped collision coverage to discover at claim time that it was a big mistake. The goal is to buy the best coverage you can find at an affordable rate.
Affordable Volkswagen Tiguan insurance in Kansas City can be purchased on the web and with local Kansas City insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies may not provide online rate quotes and usually these small, regional companies sell through local independent agents.
How to find cheaper Volkswagen Tiguan insurance in Kansas City
It takes a few minutes, but the best way to get more affordable Volkswagen Tiguan insurance in Kansas City is to compare prices annually from companies who provide auto insurance in Missouri.
- Step 1: Try to understand individual coverages and the measures you can control to prevent expensive coverage. Many things that are responsible for high rates like at-fault accidents, careless driving, and an unacceptable credit score can be amended by improving your driving habits or financial responsibility.
- Step 2: Request price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only quote rates from one company like Progressive or State Farm, while agents who are independent can quote prices from multiple insurance companies.
- Step 3: Compare the quotes to the price on your current policy to see if a cheaper rate is available in Kansas City. If you find a lower rate and make a switch, ensure there is no coverage lapse between policies.
- Step 4: Provide notification to your current company of your intent to cancel your existing policy. Submit payment and a signed application to the new company. As soon as you can, keep the new proof of insurance paperwork with the vehicle registration.
The most important part of shopping around is to make sure you’re comparing identical coverage information on each price quote and to quote with as many auto insurance providers as possible. This ensures an apples-to-apples comparison and a complete rate analysis.
More tips and info about car insurance can be read by following these links:
- Steps to Take After an Auto Accident (Insurance Information Institute)
- Who Has Affordable Auto Insurance Rates for a Honda CR-V in Kansas City? (FAQ)
- Who Has Affordable Auto Insurance Rates for Infrequent Drivers in Kansas City? (FAQ)
- What Car Insurance is Cheapest for a Nissan Rogue in Kansas City? (FAQ)
- How Much are Kansas City Auto Insurance Quotes for a Toyota Camry? (FAQ)
- Rental Car Insurance Tips (Insurance Information Institute)
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- Teen Driving and Texting (State Farm)
- Determining Auto Insurance Rates (GEICO)