How long has it been since the last time you looked for lower-priced Volkswagen Touareg insurance in Raleigh? Finding better insurance prices for a Volkswagen Touareg in North Carolina can normally be difficult, but you can use the following methods and make it easy.
There is a better way to find auto insurance online and we’ll show you the best way to get price quotes on a Volkswagen and get the lowest price from Raleigh insurance agents and online providers.
Most larger insurance companies allow consumers to get pricing on their websites. Getting online quotes for Volkswagen Touareg insurance in Raleigh doesn’t take a lot of time as all you need to do is type in your required coverages into the form. Behind the scenes, the system pulls your driving and credit reports and returns a price quote based on the information you submitted.
This makes it a lot easier to compare rates and it is important to perform this step if you want to get the lowest possible payments on auto insurance.
To compare pricing, check out the auto insurance providers below. To compare your current rates, we recommend that you enter your coverages as shown on your current policy. Doing this guarantees you are getting rate comparison quotes based on similar coverages.
The companies shown below have been selected to offer comparison quotes in North Carolina. If multiple companies are listed, we recommend you compare several of them to get a more complete price comparison.
Discounts can help to save on Volkswagen Touareg insurance in Raleigh
Companies don’t always list all their discounts very well, so the list below details both the well known and also the more inconspicuous savings tricks you should be using when you buy Raleigh car insurance online.
- Use Seat Belts – Using a seat belt and requiring all passengers to buckle up before driving could cut 10% or more off PIP or medical payments premium.
- Lower Rates for Military – Having a deployed family member can result in better premium rates.
- Discount for Low Mileage – Low annual miles could qualify for cheaper prices.
- Paperwork-free – Some of the larger companies may give you up to $50 for buying your policy on the web.
- Memberships – Joining specific professional or occupational memberships or organizations can get you a small discount when shopping for insurance.
- One Accident Forgiven – Not really a discount, but some companies like Allstate and State Farm will let one accident slide without the usual rate increase so long as you are claim-free for a set time period.
As a disclaimer on discounts, most discount credits are not given to the whole policy. Most only reduce the price of certain insurance coverages like comp or med pay. Even though it appears all the discounts add up to a free policy, nobody gets a free ride. Any qualifying discounts will bring down the cost of your policy.
The illustration below shows the comparison of Volkswagen Touareg insurance rates with and without discounts. The costs are based on a female driver, a clean driving record, no claims, North Carolina state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, multi-policy, claim-free, marriage, and multi-car discounts applied.
Companies that may have many of the previously listed discounts may include but are not limited to:
Before buying, ask each company or agent to give you their best rates. Some discounts listed above might not be available to policyholders in Raleigh.
Coverage statistics and figures
The information shown below outlines detailed analysis of insurance coverage prices for Volkswagen Touareg models. Having a better understanding of how car insurance premiums are figured is important for drivers to make decisions on which insurance to purchase.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Touareg 3 Turbo Diesel AWD 4-Dr||$242||$440||$250||$14||$74||$1,020||$85|
|Touareg 3.6 AWD 4-Dr||$242||$440||$250||$14||$74||$1,020||$85|
|Get Your Own Custom Quote Go|
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Prices do not factor in your specific Raleigh location which can affect price quotes considerably.
The example below shows how different deductible levels and can impact Volkswagen Touareg premium costs for each different age category. The prices are based on a married female driver, comp and collision included, and no discounts are applied to the premium.
Get Cheaper Insurance Costs by Understanding These Factors
Consumers need to have an understanding of the different types of things that help determine the price you pay for insurance. When consumers understand what controls the rates you pay, this empowers consumers to make smart changes that will entitle you to lower premium levels. Multiple criteria are used when pricing auto insurance. Most are fairly basic such as your driving history, but other criteria are not as apparent such as your credit history or your financial responsibility.
Compare rates if you combine your policies – Some companies afford lower prices to clients that buy multiple policies such as combining an auto and homeowners policy. Discounts can be anywhere from five to ten percent in most cases. Even with this discount applied, drivers will still want to compare Volkswagen Touareg rates in Raleigh to make sure you are getting the best deal. Drivers may still find lower rates by insuring with multiple companies.
Obey driving laws and save – Careful drivers pay lower auto insurance prices than people who have multiple driving citations. Even a single citation may cause rates to rise substantially. Drivers who have received serious tickets such as reckless driving, hit and run or driving under the influence may be required to submit a SR-22 form with their state in order to legally drive a vehicle.
The chart below shows how speeding tickets and accident claims can affect Volkswagen Touareg auto insurance rates for each age group. The data assumes a single male driver, comp and collision included, $1,000 deductibles, and no policy discounts are applied.
Your stress level may be raising your rates – Did you know your job can affect your rates? Occupations such as military personnel, executives, and dentists usually pay higher average rates attributed to intense work requirements and long work days. Other professions such as professors, athletes and the unemployed have lower than average premiums.
Costs also based on gender – Over the last 50 years, statistics have shown that females take fewer risks when driving. It does not mean men are WORSE drivers than women. Females and males tend to get into accidents at about the same rate, but guys tend to have higher claims. Not only that, but men also get higher numbers of serious violations such as reckless driving. Male teenagers generally have the highest accident percentage and therefore are the most expensive to insure.
The chart below illustrates the comparison of Volkswagen Touareg auto insurance costs for male and female drivers. The price estimates are based on no violations or accidents, comp and collision included, $100 deductibles, single status, and no discounts are applied.
Too many insurance claims will drive rates up – Car insurance companies in North Carolina give lower rates to drivers who do not file claims often. If you are a frequent claim filer, you can pretty much guarantee either a policy non-renewal or much higher rates. Your car insurance is meant to be used in the event of claims that you cannot pay yourself.
Drive less and save – Driving a lot of miles in a year the higher the price you pay to insure it. Most insurance companies price each vehicle’s coverage based upon how you use the vehicle. Cars that have low annual miles can be on a lower rate level than vehicles that have high annual mileage. Double check that your policy states the correct driver usage. Improper usage on your Touareg can result in significantly higher rates.
More traffic equals higher prices – Having an address in a small town has definite advantages when it comes to insurance. City drivers tend to have more traffic problems and a longer drive to work. Lower population means reduced accidents.
Safer cars cost less to insure – Safe vehicles get lower rates. Vehicles engineered for safety have better occupant injury protection and any reduction in injury severity means your insurance company pays less which can mean better rates for you.
Loss probability for a Volkswagen Touareg – Insurers factor in insurance loss information to determine a rate that will be profitable for them. Vehicles that the data shows to have increased claim numbers or amounts will cost more to insure. The next table illustrates the insurance loss data used by companies for Volkswagen Touareg vehicles.
For each policy coverage type, the claim amount for all vehicles, regardless of make, model or trim level, equals 100. Numbers that are below 100 mean the vehicle has better than average losses, while values over 100 indicate frequent claims or tendency to have larger claims.
|Vehicle Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Volkswagen Touareg 4dr 4WD||131||115||133||56||65||87|
Statistics from IIHS.org for 2013-2015 Model Years
Exclusive versus independent insurance agencies
A lot of people prefer to get professional advice from a licensed agent and that is a personal choice. Agents are trained to spot inefficiencies and help in the event of a claim. One of the benefits of getting free rate quotes online is the fact that drivers can get better rates and still have an agent to talk to. Putting coverage with local insurance agencies is important especially in Raleigh.
To help locate an agent, after submitting this form (opens in new window), the coverage information is submitted to agents in your area that give free quotes for your auto insurance coverage. It makes it easy because there is no need to leave your house because quoted prices will be sent immediately to you. If you want to get a rate quote for a specific company, you just need to jump over to their website and submit a quote form there.
If you are wanting to find a good Raleigh insurance agent, it can be helpful to understand the types of agencies and how they function. Agents in Raleigh can be categorized as either exclusive agents or independent agents. Both can properly insure your vehicles, but it is a good idea to know the difference between them since it may influence the selection process.
Independent Auto Insurance Agencies
Agents that choose to be independent often have many company appointments and that enables them to quote your coverage through lots of different companies and possibly get better coverage at lower prices. If you are not satisfied with one company, they simply move your policy to a different company without you having to go to a different agency. If you are comparing auto insurance prices, we recommend you include at a minimum one independent agency so that you have a good selection of quotes to compare. Most also have access to additional companies that you may not be familiar with which may provide better rates.
Featured below are Raleigh independent agencies who may provide competitive price quotes.
- Bagwell and Bagwell Insurance
2626 Glenwood Ave #300 – Raleigh, NC 27608 – (919) 832-6667 – View Map
- Chapman Insurance Agency, Inc.
6829 Falls of Neuse Rd #103 – Raleigh, NC 27615 – (919) 676-5066 – View Map
- Young Insurance Associates, Inc
2609 Atlantic Ave #107 – Raleigh, NC 27604 – (919) 322-4186 – View Map
Exclusive insurance agents can only provide pricing for a single company such as State Farm, Allstate, or Farmers Insurance. They are unable to provide prices from multiple companies so it’s a take it or leave it situation. Exclusive agencies are highly trained on their company’s products which helps offset the inability to provide other markets. Some insured continue to choose to use an exclusive agent partially due to the prominent brand name and strong financial ratings.
Listed below are exclusive agencies in Raleigh willing to provide price quotes.
- State Farm: Jerome Murray
8410 Louisburg Rd #100 – Raleigh, NC 27616 – (919) 266-9371 – View Map
- David Brown – State Farm Insurance Agent
9380 Falls of Neuse Rd #105 – Raleigh, NC 27615 – (919) 846-1819 – View Map
- Allstate Insurance: Brandon Reece
9204 Falls of Neuse Rd Ste 100 – Raleigh, NC 27615 – (919) 329-2580 – View Map
Picking the best car insurance agent requires you to look at more than just a cheap price. These are valid questions to ask:
- Is assistance available after office hours?
- Will the agent help in case of a claim?
- Can you contact them at any time?
- Do they feel the quoted coverages are adequate?
- Does the agency support the community they serve?
- Can they help ensure a fair claim settlement?
After getting reasonable responses as well as offering an affordable quote, you may have found an auto insurance agent that is a good match to properly insure your vehicles. Just understand that you are able to cancel your policy whenever you wish so never feel that you are obligated to a policy for the full policy term.
North Carolina car insurance companies
Ending up with the right insurer can be challenging considering how many different companies there are to choose from in North Carolina. The company ratings listed below may help you analyze which car insurance providers to look at when comparing rate quotes.
Top 10 Raleigh Car Insurance Companies Ranked by Claims Service
- State Farm
- Liberty Mutual
- American Family
- Titan Insurance
- AAA Insurance
Top 10 Raleigh Car Insurance Companies Overall
- Mercury Insurance
- AAA Insurance
- State Farm
- The Hartford
- Safeco Insurance
Affordable insurance rates are possible
When getting Raleigh car insurance quotes online, you should never reduce needed coverages to save money. There are too many instances where someone dropped collision coverage and learned later that the few dollars in savings costed them thousands. The proper strategy is to buy the best coverage you can find for the lowest price but still have enough coverage for asset protection.
Insureds switch companies for a variety of reasons including being labeled a high risk driver, not issuing a premium refund, poor customer service and high rates after DUI convictions. It doesn’t matter what your reason, switching insurance companies is less work than it seems.
In this article, we covered many ideas to compare Volkswagen Touareg insurance rates in Raleigh. The key thing to remember is the more providers you compare, the better chance you’ll have of finding the cheapest Volkswagen Touareg rate quotes. Consumers could even find that the lowest rates come from a smaller regional carrier.
Steps to finding lower priced Volkswagen Touareg insurance in Raleigh
The easiest way to find the cheapest price for car insurance rates is to start comparing rates regularly from providers that sell auto insurance in Raleigh.
First, take a little time to learn about how companies price auto insurance and the things you can change to prevent expensive coverage. Many risk factors that drive up the price such as traffic violations, accidents, and a less-than-favorable credit history can be controlled by being financially responsible and driving safely.
Second, get rate quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can give quotes from one company like Progressive or Farmers Insurance, while agents who are independent can quote rates from many different companies. View insurance agents
Third, compare the new quotes to your current policy to determine if you can save on Touareg insurance in Raleigh. If you find a lower rate and decide to switch, ensure there is no coverage lapse between policies.
Fourth, notify your agent or company of your decision to cancel your current car insurance policy. Submit a signed application and payment to the new company. As soon as you receive it, keep your new certificate verifying coverage in your vehicle’s glove compartment or console.
A key point to remember is to try to use the same deductibles and limits on every quote request and and to get quotes from every insurance company. This enables the most accurate price comparison and the best price quote selection.
More detailed insurance information is available in these articles:
- Rental Reimbursement Coverage (Allstate)
- What Car Insurance is Cheapest for Uber Drivers in Raleigh? (FAQ)
- How Much are Raleigh Car Insurance Rates for Homeowners? (FAQ)
- Who Has Affordable Auto Insurance for College Students in Raleigh? (FAQ)
- Prom Night Tips for Teen Drivers (State Farm)
- Airbag FAQ (iihs.org)
- Auto Insurance Basics (Insurance Information Institute)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)