Cheap Insurance for a Volkswagen Touareg in San Francisco

Insurance for Volkswagen TouaregThe best way we recommend to get low-cost auto insurance rates is to compare prices once a year from providers in San Francisco.

  1. Take a little time to learn about the coverage provided by your policy and the modifications you can make to keep rates down. Many rating factors that drive up the price like accidents, traffic violations, and your credit history can be controlled by paying attention to minor details. This article gives instructions to get better rates and find possible discounts that are available.
  2. Obtain price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like Progressive or State Farm, while agents who are independent can quote prices from multiple companies.
  3. Compare the new rates to your existing policy to see if you can save by switching companies. If you find better rates, ensure there is no coverage lapse between policies.

A valuable tip to remember is to try to use similar deductibles and liability limits on every quote request and and to get rates from all possible companies. Doing this helps ensure an accurate price comparison and a good representation of prices.

It goes without saying that auto insurance companies don’t want you quoting rates from other companies. People who get price comparisons will, in all likelihood, move their business because there are good odds of finding better rates. A survey found that drivers who faithfully checked for cheaper rates saved $72 a month compared to drivers who never shopped for cheaper rates.

If finding low prices for insurance in San Francisco is your objective, then having an understanding of how to find and compare auto insurance can help make the process easier and more efficient.

Most of the larger companies provide prices directly from their websites. Obtaining pricing for Volkswagen Touareg insurance in San Francisco doesn’t take much effort as you simply enter the coverage amounts you desire on the page. Once you submit the form, their quoting system orders your driving record and credit report and provides a quote based on many factors. Getting online rates for Volkswagen Touareg insurance in San Francisco streamlines rate comparisons, and it is important to get many rate quotes if you want to get the lowest payment possible.

To save time and find out how much you can save on insurance, compare rates from the companies below. If you have your current policy handy, we recommend you complete the form with deductibles and limits identical to your current policy. This ensures you’re receiving a rate comparison for similar coverage.

The following companies can provide price quotes in San Francisco, CA. If several companies are displayed, it’s a good idea that you visit two to three different companies to get the lowest price.

Rates and other information

The information displayed next highlights a range of coverage prices for Volkswagen Touareg models. Learning more about how insurance policy premiums are figured can be valuable when making smart choices when purchasing an insurance policy.

Volkswagen Touareg Insurance Rates in San Francisco, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Touareg 3 Turbo Diesel AWD 4-Dr $370 $764 $500 $30 $150 $1,814 $151
Touareg 3.6 AWD 4-Dr $370 $764 $500 $30 $150 $1,814 $151
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Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Rates do not factor in zip code location which can modify coverage rates noticeably.

Raise deductibles and save

One of the most common insurance questions is which deductibles should you choose. The rates shown below lay out the costs and benefits when you choose different coverage deductibles. The first data table uses a $250 comprehensive and collision deductible and the second price chart uses a $1,000 deductible.

Volkswagen Touareg insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Touareg 3 Turbo Diesel AWD 4-Dr $430 $780 $442 $26 $132 $1,835 $153
Touareg 3.6 AWD 4-Dr $430 $780 $442 $26 $132 $1,835 $153
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Volkswagen Touareg insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Touareg 3 Turbo Diesel AWD 4-Dr $266 $490 $442 $26 $132 $1,356 $113
Touareg 3.6 AWD 4-Dr $266 $490 $442 $26 $132 $1,356 $113
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Price estimates do not factor in San Francisco location which can modify prices considerably.

We can estimate from the data above that using a $250 deductible will cost in the ballpark of $40 more each month or $480 every year averaged for all Touareg models than quoting the higher $1,000 deductible. Because you would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go more than 19 months between claims, you would more than likely save some money if you decide on a higher deductible. Here’s an example of how you can do this calculation yourself.

Average monthly premium for $250 deductibles: $153
Average monthly premium for $1,000 deductibles (subtract): – $113
Monthly savings from raising deductible: $40
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $40
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

One thing to be aware of is that a higher deductible means you will have to pay more of your own money when you file a claim. You need a higher level of savings in the event you have to pay the deductible for vehicle repair.

How accidents and tickets impact rates in San Francisco

The illustration below illustrates how traffic citations and at-fault fender-benders can influence Volkswagen Touareg insurance costs for different age groups. The rate quotes are based on a married male driver, comp and collision included, $1,000 deductibles, and no other discounts are factored in.

Insurance agencies can help

Many people just prefer to visit with an insurance agent and that can be a smart move Licensed agents are trained to spot inefficiencies and help you file claims. An additional benefit of getting free rate quotes online is you can get lower rates but also keep your business local.

Insurance agents in San FranciscoTo help locate an agent, after submitting this short form, your insurance data is transmitted to insurance agents in San Francisco who can give free rate quotes to get your business. It makes it easy because there is no need to search for any insurance agencies because prices are sent instantly to you. If you have a need to get a comparison quote from a particular provider, feel free to navigate to their website and fill out their quote form.

Finding the right insurance company requires you to look at more than just a cheap price quote. Here are some questions to ask:

How to choose the best auto insurance agent in San Francisco

When narrowing the list to find a reliable agent, you must know there are a couple types of agencies and how they can service your needs differently. Agents can either be exclusive or independent. Both can insure your vehicles, but it’s good to learn how they are different since it can affect which type of agent you select.

Exclusive Insurance Agencies

Agents that elect to be exclusive are contracted to one company and some examples include Allstate and State Farm. These agents are unable to shop your coverage around so it’s a take it or leave it situation. These agents are usually well trained on sales techniques which helps overcome the inability to quote other rates.

Shown below are San Francisco exclusive agencies who may provide you with price quote information.

756 Sacramento StSan Francisco, CA 94108(415) 956-4888View Map

1536 20th StSan Francisco, CA 94107(415) 648-1155View Map

220 Montgomery St #480San Francisco, CA 94104(415) 397-2994View Map

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Independent Agencies or Brokers

Independent agents are not employed by any specific company so they can write business through many companies and help determine which has the cheapest rates. To transfer your coverage to a different company, the agent simply finds a different carrier and you don’t have to find a new agent. If you need cheaper car insurance rates, you will want to get some free quotes from multiple independent agents to have the best price comparison.

Below is a list of independent insurance agencies in San Francisco that are able to give comparison quotes.

1788 19th AveSan Francisco, CA 94122(415) 242-8100View Map

1714 Stockton St #417San Francisco, CA 94133(415) 753-1936View Map

422 Presidio AveSan Francisco, CA 94115(415) 447-4212View Map

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