If you want to find the absolute lowest rates, then the best way to find low-cost prices for car insurance rates is to compare prices once a year from companies that insure vehicles in Miami.
Step 1: Take a few minutes and learn about auto insurance and the things you can change to prevent expensive coverage. Many rating criteria that are responsible for high rates such as accidents, careless driving, and an unacceptable credit score can be eliminated by making minor changes in your lifestyle. Keep reading for information to prevent high rates and earn larger discounts.
Step 2: Compare price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from a single company like Progressive or Allstate, while agents who are independent can quote prices for a wide range of insurance providers. Get quotes now
Step 3: Compare the new rate quotes to your existing policy to see if switching to a new carrier will save money. If you can save some money, make sure coverage does not lapse between policies.
An essential thing to point out is to try to compare identical limits and deductibles on every quote request and and to compare as many auto insurance providers as possible. Doing this provides an accurate price comparison and a complete selection of prices.
Unbelievably, nearly 70% of consumers have purchased from the same company for well over three years, and almost 40% of drivers have never even compared rates from other companies. Drivers in Florida could save themselves about $1,130 a year just by shopping around, but they don’t want to spend time to do a rate comparison.
If you are already insured or are just looking to switch companies, use these cost-cutting techniques to reduce the price you pay without reducing protection. Locating the best rates in Miami can initially seem challenging. Drivers just have to understand the least time-consuming way to compare prices instantly.
Eight factors that impact insurance premiums
Multiple criteria are part of the calculation when quoting car insurance. A few of the factors are predictable like a motor vehicle report, but other factors are more obscure such as your credit history and annual miles driven. The best way to find cheaper insurance is to take a look at some of the factors that aid in calculating your premiums. When you know what positively or negatively determines premiums, this allows you to make educated decisions that can help you get big savings.
Type of vehicle determines base prices – The performance of the car or truck you own makes a big difference in your premium level. The most favorable rates tend to be for the lowest performance passenger models, but your final cost has many other factors.
The following chart assumes a single female driver age 30, full coverage with $1000 deductibles, and no discounts or violations. It compares Volkswagen Tiguan insurance rates compared to other models that have different performance risks.
Mature drivers are lower risk – More mature drivers are proven to be safer behind the wheel, are lower risk to insure, and get fewer tickets. Inexperience drivers are statistically shown to be inattentive and easily distracted when driving with friends therefore insurance rates are much higher.
The next chart uses these assumptions: single driver, full coverage with $1000 deductibles, and no discounts or violations.
Do you really need roadside assistance? – There are a lot of extra add-on coverages that you can buy when buying insurance. Things like rental car coverage, accidental death, and additional equipment coverage may not be needed and are just wasting money. They may sound like good ideas when discussing your needs, but now you might not need them so remove them and pocket the money.
Liability coverage limits on your policy – The liability coverage on your policy is the protection if you are ruled to be at fault for causing personal injury or damage in an accident. It provides you with a defense in court to attempt to prove you were not liable. This coverage is very inexpensive when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.
Get married and pay lower rates – Having a spouse actually saves money compared to being single. Having a significant other translates into being more mature than a single person and it’s statistically proven that married drivers tend to have fewer serious accidents.
You may save more by combining policies – Lots of companies will award better rates to insureds who buy several policies from them in the form of a multi-policy discount. Even if you qualify for this discount already, it’s always a smart idea to compare Volkswagen Tiguan rates in Miami to help guarantee you have the best rates.
Less chance of injury means lower prices – Safer cars get lower rates. The safest vehicles protect occupants better and better occupant protection means lower claim amounts passed on to you as lower rates. If the Volkswagen Tiguan earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.
Long commutes cost more – The more you drive your Volkswagen each year the more it will cost to insure it. Many insurance companies apply a rate based on their usage. Vehicles that do not get driven very much receive better premium rates as compared to vehicles used primarily for driving to work. Having an incorrect usage rating on your Tiguan may be costing you. It’s always a good idea to double check that your declarations sheet is showing the correct usage for each vehicle, because improper ratings can cost you money.
Insurance loss statistics a Volkswagen Tiguan – Insurers analyze the history of losses to help calculate a profitable premium rate. Vehicles that the data determines to have increased claim numbers or amounts will have higher rates for specific coverages.
The information below illustrates the insurance loss data for Volkswagen Tiguan vehicles. For each coverage type, the loss probability for all vehicles averaged together equals 100. Numbers under 100 indicate a favorable loss history, while values that are above 100 point to more claims or an increased chance of larger losses than average.
| Specific Volkswagen Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Volkswagen Tiguan 4dr 2WD | 84 | 98 | 67 | 75 | 91 | 89 |
| Volkswagen Tiguan 4dr 4WD | 93 | 101 | 85 | 82 | 80 | 90 |
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
The quickest method to compare policy rates for Volkswagen Tiguan insurance in Miami is to know the fact auto insurance companies pay for the opportunity to compare their rates. All you need to do is provide a little information including if you have an active license, if the vehicle is leased, if you went to college, and which vehicles you own. That rating information is then sent to multiple different insurance companies and you will receive price estimates immediately.
To compare rates for your car now, click here and enter the information requested.
The following companies are ready to provide price comparisons in Florida. To buy the best car insurance in FL, we suggest you get rates from several of them to get the best price comparison.
Detailed insurance information
The premium table displayed below outlines estimates of insurance coverage prices for Volkswagen Tiguan models. Being more informed about how rate quotes are formulated helps drivers make smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tiguan S 2WD | $252 | $494 | $460 | $28 | $138 | $1,372 | $114 |
| Tiguan S 2WD | $252 | $494 | $460 | $28 | $138 | $1,372 | $114 |
| Tiguan SE 4Motion AWD | $284 | $584 | $460 | $28 | $138 | $1,494 | $125 |
| Tiguan SEL 4Motion AWD | $284 | $584 | $460 | $28 | $138 | $1,494 | $125 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Price information does not factor in vehicle garaging location which can lower or raise insurance rates noticeably.
Can higher deductibles save money?
When buying car insurance, a common question is how high should your deductibles be. The rates below highlight the difference in cost between high and low comp and collision deductibles. The first set of rates uses a $100 deductible for comp and collision and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tiguan S 2WD | $358 | $648 | $354 | $20 | $106 | $1,511 | $126 |
| Tiguan S 2WD | $358 | $648 | $354 | $20 | $106 | $1,511 | $126 |
| Tiguan SE 4Motion AWD | $406 | $764 | $354 | $20 | $106 | $1,675 | $140 |
| Tiguan SEL 4Motion AWD | $406 | $764 | $354 | $20 | $106 | $1,675 | $140 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tiguan S 2WD | $200 | $342 | $354 | $20 | $106 | $1,022 | $85 |
| Tiguan S 2WD | $200 | $342 | $354 | $20 | $106 | $1,022 | $85 |
| Tiguan SE 4Motion AWD | $224 | $402 | $354 | $20 | $106 | $1,106 | $92 |
| Tiguan SEL 4Motion AWD | $224 | $402 | $354 | $20 | $106 | $1,106 | $92 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Information does not factor in garaging location in Miami which can impact insurance rates considerably.
We can derive from the above data that using a $100 deductible will cost you roughly $44 more each month or $528 annually than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at a minimum 20 months between claims, you would probably come out ahead if you choose the higher deductible.
Calculate deductible break even point
| Average monthly premium for $100 deductibles: | $133 |
| Average monthly premium for $1,000 deductibles (subtract): | – $89 |
| Monthly savings from raising deductible: | $44 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $44 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 20 months |
Insurance in Florida serves several purposes
Even though Miami Tiguan insurance rates can get expensive, insurance may not be optional for several reasons.
- Most states have compulsory liability insurance requirements which means the state requires a specific minimum amount of liability in order to drive the car. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you bought your Volkswagen Tiguan with a loan, most banks will make it mandatory that you buy full coverage to ensure they get paid if you total the vehicle. If you let the policy lapse, the lender will be forced to insure your Volkswagen at an extremely high rate and require you to fork over a much higher amount than you were paying before.
- Insurance preserves not only your vehicle but also your financial assets. Insurance will also pay for medical bills that are the result of an accident. One of the most valuable coverages, liability insurance, also pays expenses related to your legal defense if you are sued as the result of your driving. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will pay to restore your vehicle to like-new condition.
The benefits of insuring your Tiguan more than offset the price you pay, especially for larger claims. On average, a vehicle owner in Miami overpays as much as $865 each year so you should quote and compare rates once a year at a minimum to be sure current rates are still competitive.
Take policy discounts and save on Volkswagen Tiguan insurance in Miami
Insurance is not inexpensive, but you might find some hidden discounts that many consumers don’t even know exist. Some trigger automatically when you get a quote, but occasionally some discounts must be manually applied before being credited.
- Memberships – Affiliation with a professional or civic organization could trigger savings when shopping for insurance.
- Auto/Home Discount – If you have multiple policies and place coverage with the same company you could save approximately 10% to 15%.
- Multi-line Discount – Select insurance companies reward you with better prices if you take out a life policy as well.
- No Charge for an Accident – This one is not really a discount per se, but certain companies permit an accident without the usual rate increase if you are claim-free for a specific time period.
- Driver’s Education for Students – Cut your cost by having your teen driver enroll and complete driver’s education in high school.
- Telematics Devices – Drivers that enable their insurance company to look at vehicle usage by using a telematics device in their vehicle like In-Drive from State Farm and Progressive’s Snapshot might see lower rates if their driving habits are good.
- Theft Prevention Discount – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and therefore earn up to a 10% discount.
- Passive Restraints – Factory options such as air bags and/or automatic seat belt systems can get savings up to 30%.
- Senior Discount – If you qualify as a senior citizen, you may receive a slight reduction on a Miami car insurance quote.
- Pay Upfront and Save – If you pay your entire premium ahead of time instead of paying each month you can avoid monthly service charges.
Discounts lower rates, but some of the credits will not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like collision or personal injury protection. Even though it appears all those discounts means the company will pay you, you’re out of luck. Any amount of discount will positively reduce your premiums.
The chart below visualizes the comparison of Volkswagen Tiguan yearly insurance costs with and without discounts applied to the policy rates. The information is based on a female driver, a clean driving record, no at-fault accidents, Florida state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, marriage, multi-policy, homeowner, and claim-free discounts applied.
The best insurance companies and some of the discounts are outlined below.
- Progressive offers discounts for multi-policy, online signing, continuous coverage, good student, and multi-vehicle.
- MetLife has discounts for multi-policy, good driver, good student, claim-free, defensive driver, accident-free
- Mercury Insurance policyholders can earn discounts including ease of repair, annual mileage, anti-theft, good student, location of vehicle, and multi-policy.
- Nationwide includes discounts for multi-policy, accident-free, Farm Bureau membership, good student, anti-theft, and family plan.
- GEICO offers discounts including daytime running lights, seat belt use, defensive driver, military active duty, anti-theft, emergency military deployment, and driver training.
- AAA may offer discounts for pay-in-full, education and occupation, anti-theft, good driver, multi-car, multi-policy, and AAA membership discount.
When getting free Miami car insurance quotes, it’s a good idea to each company which discounts you qualify for. Some of the discounts discussed earlier may not apply to policies in every state. If you would like to see a list of insurance companies with the best discounts in Florida, follow this link.
Local Miami insurance agents and insurance
A small number of people just prefer to have an agent’s advice and that is a personal choice. Licensed agents are highly skilled in risk management and help you file claims. The biggest benefit of price shopping on the web is that you can find cheap insurance rates and still choose a local agent.
To make it easy to find an agent, after completing this form (opens in new window), your insurance coverage information gets sent to local insurance agents in Miami that can give you free Miami car insurance quotes for your business. There is no need to contact any insurance agencies since rate quotes are delivered to the email address you provide. If for some reason you want to quote rates from a particular provider, just search and find their rate quote page and fill out their quote form.
Deciding on an insurer should depend on more than just a low price. These are valid questions to ask:
- How much can you save by raising your physical damage deductibles?
- Is coverage determined by price?
- Is the agency covered by Errors and Omissions coverage?
- Is the quote a firm price?
- Does the agent have professional designations like CIC, CPCU or AIC?
- What will you get paid if your car is a total loss? How is that amount determined?
- Do they feel the quoted coverages are adequate?
- How much experience to they have in personal lines coverages?
Types of auto insurance agents
If you want a local Miami insurance agent, it can be helpful to understand the types of insurance agents from which to choose. Insurance policy providers are classified as either exclusive agents or independent agents. Either can insure your vehicles properly, but it’s worth mentioning why they differ because it can influence which agent you choose.
Exclusive Insurance Agents
These type of agents can only provide pricing for a single company like Allstate, Farmers Insurance or State Farm. Exclusive agencies are unable to place coverage with different providers so always compare other rates. They are very knowledgeable on sales techniques and that enables them to sell even at higher rates.
Below is a list of exclusive agents in Miami willing to provide price quote information.
GEICO Insurance Agent
8514 SW 8th St – Miami, FL 33144 – (305) 595-2911 – View Map
Allstate Insurance: Ramon Balladares
2455 SW 27th Ave #210 – Miami, FL 33145 – (305) 859-8556 – View Map
Rick Burke – State Farm Insurance Agent
2250 S Dixie Hwy Ste. 2 – Miami, FL 33133 – (305) 860-0616 – View Map
Independent Insurance Agencies
Agents in the independent channel can quote rates with many companies and that enables them to quote your coverage through many different insurance companies depending on which coverage is best. If they quote lower rates, they simply move the coverage in-house and you don’t have to switch agencies. When comparison shopping, we recommend you get insurance quotes from several independent agencies for maximum quote selection.
Listed below are Miami independent agents who can help you get price quotes.
Estrella Insurance #101
3750 W Flagler St – Miami, FL 33134 – (305) 446-6822 – View Map
Koski and Co. Insurance Agents
9875 Sunset Dr – Miami, FL 33173 – (305) 595-2127 – View Map
Jtg Insurance Agency
9764 SW 24th St – Miami, FL 33165 – (305) 552-8808 – View Map
After getting positive responses to any questions you may have and inexpensive Volkswagen Tiguan insurance in Miami quotes, you have narrowed it down to a car insurance agent that meets the criteria to properly insure your vehicles. Just be aware that you are entitled to cancel your coverage when you choose so don’t assume that you are permanently stuck with any particular company for the full policy term.
Ratings for Miami car insurance companies
Selecting the highest-rated insurance company can be a challenge considering how many companies there are to choose from in Florida. The rank data listed below may help you select which providers to look at comparing rates with.
Top 10 Miami Car Insurance Companies Ranked by Value
- Mercury Insurance
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- The General
- 21st Century
- Esurance
Top 10 Miami Car Insurance Companies Ranked by Claims Service
- Travelers
- Nationwide
- Allstate
- State Farm
- Liberty Mutual
- GEICO
- American Family
- Esurance
- Titan Insurance
- AAA Insurance
What is YOUR best insurance company?
In this article, we presented many ways to shop for Volkswagen Tiguan insurance online. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. You may even discover the best price on insurance is with a company that doesn’t do a lot of advertising. Some small companies may have significantly lower premium rates on certain market segments than their larger competitors like State Farm and Allstate.
The cheapest Volkswagen Tiguan insurance in Miami can be purchased from both online companies as well as from independent agents in Miami, and you should compare rates from both to have the best selection. There are still a few companies who do not offer the ability to get a quote online and usually these smaller providers work with independent agencies.
For more information, feel free to visit the resources below:
- Auto Insurance Learning Center (State Farm)
- How Much are Car Insurance Quotes for Drivers with Accidents in Miami? (FAQ)
- Who Has Cheap Car Insurance Rates for a Subaru Forester in Miami? (FAQ)
- What is a Telematics Device? (Allstate)
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- Prepare your Teens for Safe Driving (InsureUonline.org)