Are you tired of trying to find more competitive auto insurance rates in Philadelphia, PA? Philadelphia shoppers have lots of choices when shopping for the lowest priced Volkswagen Touareg insurance. You can either waste hours calling around to compare prices or save time using the internet to find the lowest rates.
There are more efficient ways to buy auto insurance and we’ll show you the proper way to get price quotes for your Volkswagen and locate the cheapest rates from both online companies and Philadelphia agents.
Consumers should take time to get comparison quotes on a regular basis since prices are constantly changing. If you had the best rate on Volkswagen Touareg insurance in Philadelphia six months ago you can probably find a better premium rate now. Don’t believe everything you read about Touareg insurance on the web, but in just a couple of minutes you can learn some great ideas on how to buy auto insurance cheaper in Philadelphia.
If you are insured now or want to find a cheaper company, use these cost-cutting techniques to reduce the price you pay and still get good coverage. These techniques will teach you a little about the most effective way to quote insurance and how to save the most money. You only need to know the fastest way to compare rates over the internet.
Cheapest car insurance in Philadelphia, PA
The companies in the list below can provide quotes in Pennsylvania. If more than one company is shown, we recommend you compare several of them in order to get a fair rate comparison.
Car insurance analysis for a Volkswagen Touareg
The premium information displayed below highlights detailed analysis of insurance premium costs for Volkswagen Touareg models. Learning more about how prices are established can help customers make smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Touareg 3 Turbo Diesel AWD 4-Dr | $198 | $366 | $330 | $20 | $98 | $1,012 | $84 |
| Touareg 3.6 AWD 4-Dr | $198 | $366 | $330 | $20 | $98 | $1,012 | $84 |
| Get Your Own Customized Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Rate information does not factor in the specific area where the vehicle is garaged which can raise or lower price quotes substantially.
Higher deductibles lower rates
When shopping for car insurance, a common question is which deductibles should you choose. The comparison tables below highlight how much more you’ll pay when you choose different deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Touareg 3 Turbo Diesel AWD 4-Dr | $320 | $582 | $330 | $20 | $98 | $1,375 | $115 |
| Touareg 3.6 AWD 4-Dr | $320 | $582 | $330 | $20 | $98 | $1,375 | $115 |
| Get Your Own Customized Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Touareg 3 Turbo Diesel AWD 4-Dr | $260 | $468 | $330 | $20 | $98 | $1,176 | $98 |
| Touareg 3.6 AWD 4-Dr | $260 | $468 | $330 | $20 | $98 | $1,176 | $98 |
| Get Your Own Customized Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Rate quotes do not factor in your specific Philadelphia location which can modify price quotes significantly.
Based on these figures, using a $250 deductible will cost you roughly $17 more each month or $204 annually averaged for all Touareg models than buying the higher $500 deductible. Since the policyholder would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you go more than 15 months between claim filings, you would come out ahead going with the higher deductible.
Find Cheap Insurance with These Tips
Many things are part of the calculation when you quote your car insurance policy. Some factors are common sense such as traffic violations, but other factors are less obvious such as your credit history or your commute time. It’s important that you understand the rating factors that are used to determine the level of your policy premiums. When you know what positively or negatively determines base rates, this enables you to make decisions that can earn you lower premium levels.
- Vehicle features impact insurance rates – Selecting a car model with a theft deterrent system can help bring down rates. Theft prevention features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder vehicle theft.
- Do you save by driving less? – The more miles you rack up on your Volkswagen in a year the more you will pay for insurance. A lot of companies price each vehicle’s coverage based upon how the vehicle is primarily used. Cars and trucks that have low annual miles get more affordable rates as compared to vehicles used primarily for driving to work. An incorrectly rated Touareg may be wasting your money. It’s a smart idea to ensure your policy reflects annual mileage, because it can save money.
- Cheaper rates by bundling – Some insurance companies give better rates to policyholders that buy multiple policies, otherwise known as a multi-policy discount. Even if you already get this discount, it’s always a smart idea to compare other Philadelphia Touareg insurance rates to verify if the discount is saving money. You may still save even more than the discount even if you have your coverage with different companies
- Where you live – Residing in smaller towns and rural areas of the country has definite advantages when it comes to insurance. Fewer drivers and short commutes means fewer accidents and a lower car theft rate. Urban drivers have more aggressive driving styles and longer commutes to work. Spending more time driving can result in more accidents.
- Add-on coverages can waste money – Insurance companies have many additional extra coverages you can purchase if you aren’t diligent. Insurance for roadside assistance, towing, and additional equipment coverage are examples of these. They may seem like a good idea when buying your policy, but if you don’t need them consider taking them off your policy.
-
Volkswagen Touareg claim probability – Companies factor in insurance loss information to calculate a price that offsets possible losses. Vehicles that the data shows to have higher claim amounts or frequency will have a higher cost to insure. The data below shows the loss history for Volkswagen Touareg vehicles.
For each policy coverage, the claim amount for all vehicles, without regard to make or model, is set at 100. Numbers that are below 100 represent a good loss history, while numbers that are greater than 100 indicate more frequent claims or larger claims.
Volkswagen Touareg Insurance Loss Statistics Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Volkswagen Touareg 4dr 4WD 131 115 133 56 65 87 BETTERAVERAGEWORSEStatistics from IIHS.org for 2013-2015 Model Years
Discounts can help lower rates on Volkswagen Touareg insurance in Philadelphia
Buying auto insurance is not cheap, but you may find discounts to reduce the price significantly. Certain discounts will be applied when you purchase, but occasionally some discounts must be asked about prior to getting the savings.
- Pay Early and Save – If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.
- Own a Home and Save – Being a homeowner can earn you a little savings because it demonstrates responsibility.
- Theft Deterrent Discount – Cars equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.
- Discount for Low Mileage – Fewer annual miles on your Volkswagen can qualify you for lower rates due to less chance of an accident.
- Sign Online – Some of the larger companies provide a small discount get Philadelphia car insurance over the internet.
- Drivers Ed for Students – Have your child successfully take a driver’s education course as it can save substantially.
- Active Military Service – Being on active deployment in the military could mean lower prices.
- Defensive Driving Course – Taking part in a course in defensive driver is a good idea and can lower rates if your company offers it.
One last thing about discounts, most discount credits are not given to the entire policy premium. Most only cut the price of certain insurance coverages like collision or personal injury protection. If you do the math and it seems like it’s possible to get free car insurance, you won’t be that lucky.
The example below illustrates the difference between Volkswagen Touareg insurance costs with and without some available policy discounts. The information is based on a male driver, no claims, a clean driving record, Pennsylvania state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-policy, homeowner, multi-car, and marriage discounts applied.
For a list of providers with significant discounts in Philadelphia, click here.
You may need help from an insurance agent
Many drivers still prefer to buy from a licensed agent and that is not a bad decision Licensed agents can help you choose the best coverages and help submit paperwork. One of the best bonuses of comparing auto insurance online is the fact that you can find cheap auto insurance quotes and still buy from a local agent. Buying from and supporting neighborhood agents is especially important in Philadelphia.
To find an agent, once you fill out this quick form, your insurance coverage information is emailed to companies in Philadelphia who will return price quotes and help you find cheaper coverage. You don’t have to search for an agent since rate quotes are delivered straight to your inbox. If you need to compare rates from one company in particular, just visit that company’s website to submit a rate quote request.
If you want to buy auto insurance from a reputable agency, it’s important to understand the different types of agencies that you can select. Agents in Philadelphia can be classified as either independent agents or exclusive agents. Either one can sell affordable auto insurance policies, but it’s important to point out the differences since it can impact the selection process.
Independent Auto Insurance Agents
Agents that elect to be independent do not write with just one company and that is an advantage because they can write policies with lots of companies depending on which coverage is best. If you are not satisfied with one company, your agent can just switch to a different company and you can keep the same agent.
If you are comparing auto insurance prices, you definitely need to include rate quotes from several independent insurance agents for maximum quote selection. They also have the ability to place coverage with different regional companies which could offer lower prices.
Below are independent agencies in Philadelphia who may be able to give you free auto insurance quotes.
- Pa Auto Insurance Outlet
4901 Frankford Ave – Philadelphia, PA 19124 – (215) 827-0800 – View Map - Terra Insurance Services
1879 Cottman Ave – Philadelphia, PA 19111 – (215) 742-3743 – View Map - Juniata Ins Agency
1206 E Hunting Park Ave – Philadelphia, PA 19124 – (215) 533-9701 – View Map
Exclusive Auto Insurance Agents
Exclusive agencies work for only one company such as AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents cannot place coverage with different providers so they really need to provide good service. They are usually quite knowledgeable on the products they sell which helps overcome the inability to quote other rates. Consumers frequently use the same agent mostly because of the brand and the convenience of having all coverages with one company.
Shown below are Philadelphia exclusive agencies willing to provide price quotes.
- George Kweder – State Farm Insurance Agent
1521 W Oregon Ave – Philadelphia, PA 19145 – (215) 467-1837 – View Map - Joe Ems – State Farm Insurance Agent
7348 Frankford Ave – Philadelphia, PA 19136 – (215) 333-5100 – View Map - Dennis Jackson – State Farm Insurance Agent
6200 Frankford Ave – Philadelphia, PA 19135 – (215) 289-5179 – View Map
Picking a auto insurance agent should include more criteria than just the quoted price. These are some questions you should get answers to.
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Do they offer accident forgiveness?
- How long has the business existed?
- Do you qualify for any additional discounts?
- Will the agent help in case of a claim?
- Is the agent and/or agency licensed to do business in Pennsylvania?
The best insurance company isn’t always the cheapest
Low-cost Volkswagen Touareg insurance in Philadelphia can be sourced both online as well as from insurance agents, and you should compare rates from both to have the best chance of lowering rates. There are still a few companies who do not provide online price quotes and many times these small insurance companies work with local independent agents.
Drivers change insurance companies for any number of reasons including denial of a claim, unfair underwriting practices, policy cancellation or even delays in responding to claim requests. It doesn’t matter what your reason, switching car insurance companies can be easier than you think.
We just showed you some good ideas how to compare Volkswagen Touareg insurance premium rates in Philadelphia. The key concept to understand is the more companies you get prices for, the higher your chance of finding low cost Philadelphia car insurance quotes. Consumers may even find the best premium rates are with some of the lesser-known companies.
For more information, feel free to visit the resources below:
- Steps to Take After an Auto Accident (Insurance Information Institute)
- Who Has Affordable Auto Insurance for Drivers Under 25 in Philadelphia? (FAQ)
- Who Has Affordable Car Insurance for Business Use in Philadelphia? (FAQ)
- How Much is Auto Insurance for Teenage Females in Philadelphia? (FAQ)
- Who Has Cheap Car Insurance Rates for Good Students in Philadelphia? (FAQ)
- How Much is Philadelphia Auto Insurance for Seniors? (FAQ)
- Who Has Affordable Philadelphia Car Insurance for Used Cars? (FAQ)
- Who Has Affordable Car Insurance Rates for a Jeep Wrangler in Philadelphia? (FAQ)
- Who Has Affordable Auto Insurance for 18 Year Olds in Philadelphia? (FAQ)
- How to shop for a safer car (Insurance Institute for Highway Safety)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)