It’s an obvious assumption that insurance companies want to keep you from shopping around. Consumers who shop around will presumably move their business because the odds are good of finding coverage at a more affordable price. A survey found that people who regularly compared price quotes saved approximately $3,450 over four years compared to those who never compared other company’s rates.
If finding low prices for Volkswagen Tiguan insurance in Portland is your objective, learning how to get free comparison quotes and analyze car insurance can help simplify the process.
It takes a few minutes, but the best way to get cheaper Volkswagen Tiguan insurance in Portland is to compare quotes annually from insurance carriers in Oregon. This can be done by completing these steps.
Step 1: Read and learn about the different coverages in a policy and the things you can change to lower rates. Many factors that result in higher prices like traffic violations and an imperfect credit score can be remedied by paying attention to minor details. This article provides more ideas to keep prices down and get additional discounts that may be available.
Step 2: Request price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from one company like Progressive or Allstate, while agents who are independent can provide prices for a wide range of insurance providers.
Step 3: Compare the new rate quotes to your existing policy and determine if cheaper Tiguan coverage is available in Portland. If you find a better price and change companies, verify that coverage does not lapse between policies.
Step 4: Notify your company or agent to cancel your current coverage and submit a down payment and signed policy application for your new coverage. Once received, place the new certificate verifying coverage with your vehicle’s registration.
An important note is that you use identical coverages on every price quote and and to compare as many auto insurance providers as possible. This ensures a level playing field and plenty of rates choose from.
The providers in the list below have been selected to offer price comparisons in Oregon. To locate cheap auto insurance in Portland, OR, it’s a good idea that you visit two to three different companies to get a more complete price comparison.
Insurance coverage analysis
The rate table shown below highlights a range of policy rates for Volkswagen Tiguan models. Knowing how insurance prices are determined is important for drivers to make informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tiguan S 2WD | $174 | $262 | $356 | $22 | $106 | $920 | $77 |
| Tiguan S 2WD | $174 | $262 | $356 | $22 | $106 | $920 | $77 |
| Tiguan SE 4Motion AWD | $196 | $308 | $356 | $22 | $106 | $988 | $82 |
| Tiguan SEL 4Motion AWD | $196 | $308 | $356 | $22 | $106 | $988 | $82 |
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Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oregon minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Prices do not factor in the specific area where the vehicle is garaged which can influence premium rates substantially.
The example below illustrates how your choice of deductibles and can increase or decrease Volkswagen Tiguan insurance rates for each age group. The data is based on a married male driver, comp and collision included, and no policy discounts are applied.
Comparison of insurance rates by age and gender
The example below illustrates the difference between Volkswagen Tiguan yearly insurance costs for male and female drivers. The data is based on no driving violations, no at-fault accidents, full physical damage coverage, $1,000 deductibles, single status, and no discounts are applied to the premium.
Rate difference between full and liability-only coverage
The example below illustrates the comparison of Volkswagen Tiguan car insurance costs with and without full coverage. The information is based on a clean driving record, no at-fault accidents, $1,000 deductibles, marital status is single, and no discounts are applied to the premium.
When to drop comprehensive and collision
There isn’t a written rule of when to exclude physical damage insurance, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.
For example, let’s say your Volkswagen Tiguan book value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $5,000 after the deductible is paid. If you are paying in excess of $500 a year for comprehensive and collision coverage, then you may want to consider only buying liability coverage.
There are some cases where eliminating full coverage is not a good plan. If you still have a loan on your vehicle, you have to carry full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should keep full coverage on your policy.
Why insurance is not optional
Even though it’s not necessarily cheap to insure a Volkswagen in Portland, insuring your vehicle is required by state law in Oregon and it also provides benefits you may not be aware of.
- Just about all states have compulsory liability insurance requirements which means you are required to carry a specific level of liability coverage if you drive a vehicle. In Oregon these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.
- If your Tiguan has a lienholder, almost every bank will have a requirement that you have full coverage to guarantee their interest in the vehicle. If coverage lapses or is canceled, the bank may insure your Volkswagen for a much higher rate and force you to pay for the much more expensive policy.
- Insurance safeguards your vehicle and your assets. It will also pay for most medical and hospital costs for yourself as well as anyone injured by you. Liability insurance also pays for attorney fees and expenses if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and collision coverage will pay to have it repaired.
The benefits of buying enough insurance more than cancel out the cost, especially if you ever need it. On average, a vehicle owner in Portland overpays more than $855 a year so it’s important to compare rates at least once a year to be sure current rates are still competitive.
Insurance agents can help
Always remember that when buying adequate coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s.
These are some specific questions can aid in determining if your situation may require specific advice.
- Am I better off with higher deductibles on my Volkswagen Tiguan?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Do I really need UM/UIM coverage?
- Do I need medical payments coverage since I have good health insurance?
- Do I have coverage for damage caused while driving under the influence?
- Which companies will insure me after a DUI?
If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and you can get the answers you need.
The coverage is in the details
Having a good grasp of your policy can be of help when determining the best coverages for your vehicles. Policy terminology can be confusing and coverage can change by endorsement.
Insurance for medical payments – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for chiropractic care, nursing services, prosthetic devices and dental work. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage
Collision coverage – This pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims like sustaining damage from a pot hole, rolling your car and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible on your Tiguan in order to get cheaper collision rates.
Liability coverages – This coverage provides protection from injuries or damage you cause to people or other property in an accident. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/20 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $20,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.
Liability can pay for things such as medical expenses, repair bills for other people’s vehicles and medical services. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible. Oregon state minimum liability requirements are 25/50/20 but you should think about purchasing more liability than the minimum.
The next chart demonstrates why the minimum limit may not provide adequate coverage.
Uninsured Motorist or Underinsured Motorist insurance – This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Volkswagen Tiguan.
Since a lot of drivers only purchase the least amount of liability that is required (25/50/20), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these limits do not exceed the liability coverage limits.
Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage pays for things such as damage from flooding, hail damage, damage from getting keyed and falling objects. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Oregon auto insurance companies ranked
Selecting a high-quality insurance company can be difficult considering how many companies there are in Oregon. The rank data in the lists below may help you choose which auto insurance companies to look at shopping your coverage 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 |
| 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 |
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Data Source: Insure.com Best Car Insurance Companies
More quotes mean more car insurance savings
People change insurance companies for any number of reasons including poor customer service, policy non-renewal, an unsatisfactory settlement offer or even unfair underwriting practices. No matter why you want to switch, choosing a new insurance company is easier than you think.
When buying insurance coverage, make sure you don’t reduce coverage to reduce premium. There are a lot of situations where someone sacrificed comprehensive coverage or liability limits and found out when filing a claim that the savings was not a smart move. Your goal is to buy enough coverage at a price you can afford, but do not skimp to save money.
Budget-friendly car insurance in Portland can be sourced from both online companies and from local agencies, and you should compare rates from both in order to have the best price selection to choose from. A few companies do not offer price quotes online and these smaller companies sell through local independent agents.
More detailed car insurance information is located by following these links:
- Insurance Losses by Make and Model (iihs.org)
- Who Has Affordable Auto Insurance Rates for Felons in Portland? (FAQ)
- Who Has Affordable Car Insurance for State Employees in Portland? (FAQ)
- Who Has Affordable Auto Insurance for High Mileage Drivers in Portland? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Low Mileage Drivers in Portland? (FAQ)
- Teen Driving Statistics (GEICO)
- Where can I buy Insurance? (Insurance Information Institute)
- Car Insurance FAQ (Trusted Choice)