Finding better insurance prices for a Volkswagen Touareg in California could be an all-consuming task, but you can learn our car insurance buying tips to save time.
There are both good and bad ways to compare car insurance rates and we’ll show you the quickest way to get price quotes for your Volkswagen and get the cheapest rates either online or from Stockton insurance agents.
It is always a good idea to quote other rates on a regular basis since insurance prices change regularly. Even if you think you had the best rate on Volkswagen Touareg insurance in Stockton two years ago there is a good chance you can find better premium rates now. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate one of the best ways to get good coverage on Volkswagen Touareg insurance in Stockton at a lower rate.
Comparing quotes for cheaper coverage in Stockton is easy to do. If you already have coverage or are just looking to switch companies, take advantage of these tips to find better prices and still have adequate protection. Consumers only have to learn how to shop on the web.
Compare Stockton Volkswagen Touareg insurance quotes
Cutting your auto insurance rates is pretty simple and can save money. All that’s required is to take a few minutes to get quotes from online providers.
The companies in the list below offer price comparisons in Stockton, CA. If the list has multiple companies, it’s a good idea that you visit as many as you can to find the most competitive auto insurance rates.
Volkswagen Touareg insurance rates and statistics
The rate information displayed below outlines a range of insurance coverage prices for Volkswagen Touareg models. Having knowledge of how auto insurance premiums are figured can be valuable when making smart choices when buying a policy.
| 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 |
| Get Your Own Custom Quote Go | |||||||
Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Prices do not factor in zip code location which can increase or decrease coverage rates significantly.
Choosing deductibles
A question often asked by Stockton drivers is how low should you set your deductibles. The rates below may help to conceptualize the cost difference between high and low deductibles. The first data table uses a $250 deductible for physical damage and the second data table uses a $1,000 deductible.
| 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 |
| Get Your Own Custom Quote Go | |||||||
| 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 multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Information does not factor in garaging location in Stockton which can change insurance rates considerably.
Based on these figures, using a $250 deductible costs about $40 more each month or $480 for a full year than buying the higher $1,000 deductible. Since you would have to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you go more than 19 months between claims, you would probably be better off if you decide on a higher deductible.
Illustration showing the impact of accidents and violations
The example below shows how traffic citations and at-fault collisions impact Volkswagen Touareg insurance costs for different age groups. The data is based on a single female driver, full physical damage coverage, $100 deductibles, and no discounts are applied.
Cost difference between full coverage and liability
The example below visualizes the comparison of Volkswagen Touareg insurance costs with full coverage compared to only the California minimum liability coverage. The premium estimates are based on no claims or violations, $1,000 deductibles, single marital status, and no other discounts are factored in.
When to stop buying full coverage
There is no definitive formula to stop buying comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is more than 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.
For example, let’s pretend your Volkswagen Touareg claim settlement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would receive is $6,000 after paying your deductible. If it’s costing you more than $600 a year for full coverage, then it could be time to drop full coverage.
There are some scenarios where only buying liability is not advised. If you haven’t satisfied your loan, you have to carry full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not opt for liability only.
Choosing the best vehicle insurance in California is an important decision
Even though it’s not necessarily cheap to insure a Volkswagen in Stockton, insurance is mandatory in California but it also protects more than you think.
- Almost all states have minimum mandated liability insurance limits which means you are required to buy a minimum amount of liability insurance coverage in order to license the vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you have a loan on your vehicle, almost all lenders will have a requirement that you have comprehensive coverage to guarantee payment of the loan. If coverage lapses or is canceled, the lender may insure your Volkswagen at a much higher rate and require you to pay much more than you were paying before.
- Insurance protects not only your vehicle but also your financial assets. Insurance will also pay for many types of medical costs for not only you but also any passengers injured in an accident. Liability coverage also covers legal expenses if anyone sues you for causing an accident. If your car is damaged in a storm or accident, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of insuring your car definitely exceed the cost, particularly when you have a large claim. The average driver in America is currently overpaying as much as $820 a year so it’s important to compare rates at every policy renewal to save money.
Learn How to Lower Your Insurance Costs
It’s important that you understand a few of the rating criteria that go into determining your policy premiums. If you understand what positively or negatively impacts your premiums, this enables you to make decisions that could help you find lower auto insurance prices. Lots of things are part of the equation when quoting car insurance. Most are fairly basic like a motor vehicle report, but other factors are less obvious such as whether you are married or your vehicle rating.
The items below are a partial list of the pieces used by insurance companies to determine rates.
Little extras can really add up – There are a ton of additional coverages you can purchase but may not be useful. Insurance for roadside assistance, accident forgiveness, and term life insurance may not be needed and are just wasting money. These coverages may sound good when discussing your needs, but your money might be better spent on other coverage so remove them and pocket the money.
Prices can be impacted by your vocation – Jobs such as lawyers, airline pilots, and stock brokers are shown to have higher premiums than the average policyholder due to high stress levels and lengthy work days. Other careers like scientists, students and retirees have the lowest average rates.
Don’t cut corners with liability – The liability coverage on your policy will afford coverage when you are responsible for damages caused by your negligence. Your policy’s liability insurance provides legal defense coverage to attempt to prove you were not liable. Liability is cheap compared to comp and collision, so drivers should carry high limits.
Insurance premiums and vehicle performance – The make and model of the vehicle you need to insure makes a big difference in your car insurance bill. Lower performance four cylinder passenger cars generally have the cheapest insurance rates, but other factors influence the final cost greatly.
The following data is based on a single male driver age 50, full coverage with $100 deductibles, and no discounts or violations. It compares Volkswagen Touareg insurance rates compared to other makes and models that have different performance rating factors.
Save money with alarms and GPS tracking – Selecting a car model that has an advanced theft prevention system can earn a premium discount. Systems that thwart thieves like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop auto theft.
Mature drivers pay less – Beginning drivers in California are known to be careless and easily distracted with other occupants in the car and because of this, their auto insurance rates are much higher. Having to add a youthful driver onto a policy can be very expensive. Older insureds are shown to be more cautious, cost insurance companies less in claims, and usually have better credit.
The following data is based on a single driver, full coverage with $250 deductibles, and no discounts or violations.
Loss probability for a Volkswagen Touareg – Insurers take into consideration insurance loss statistics for every vehicle to calculate a price that will offset losses. Models that the data shows to have a higher amount or frequency of claims will have a higher cost to insure. The data below shows the historical loss data for Volkswagen Touareg vehicles.
For each coverage type, the statistical loss for all vehicles, without regard to make or model, equals 100. Numbers shown that are under 100 mean the vehicle has better than average losses, while values over 100 indicate a higher chance of having a claim or tendency to have higher losses.
| Vehicle Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Volkswagen Touareg 4dr 4WD | 131 | 115 | 133 | 56 | 65 | 87 |
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Persistence will pay off
When you buy Stockton auto insurance online, it’s not a good idea to skimp on coverage in order to save money. There are a lot of situations where an accident victim reduced collision coverage to discover at claim time that it was a big mistake. The proper strategy is to get the best coverage possible at an affordable rate, but do not skimp to save money.
You just read a lot of techniques to compare Volkswagen Touareg insurance auto insurance rates in Stockton. It’s most important to understand that the more times you quote, the better chance you’ll have of finding affordable Stockton auto insurance quotes. Drivers may even discover the lowest priced car insurance comes from a small local company.
Drivers leave their current company for any number of reasons including being labeled a high risk driver, poor customer service, lack of trust in their agent or questionable increases in premium. Whatever your reason, finding the right car insurance provider is not as hard as you think.
Steps to finding low-cost Volkswagen Touareg insurance in Stockton
It takes a few minutes, but the best way to get cheaper Volkswagen Touareg insurance in Stockton is to compare prices once a year from insurers who sell insurance in California.
First, try to learn about how insurance works and the things you can control to drop your rates. Many rating criteria that are responsible for high rates such as traffic tickets, fender benders, and bad credit can be remedied by making small lifestyle or driving habit changes.
Second, quote rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give prices from one company like GEICO and Allstate, while independent agencies can give you price quotes for a wide range of companies.
Third, compare the new rate quotes to your current policy premium and determine if cheaper Touareg coverage is available. If you can save money, make sure there is no lapse between the expiration of your current policy and the new one.
Fourth, give proper notification to your current agent or company to cancel your existing policy. Submit any necessary down payment along with the completed application for your new coverage. Immediately place your new certificate verifying proof of insurance somewhere easily accessible.
One bit of advice is to make sure you enter identical coverages on each quote and and to compare as many different companies as possible. Doing this helps ensure an apples-to-apples comparison and and a good selection of different prices.
To read more, feel free to browse these articles:
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)
- How Much are Stockton Car Insurance Quotes for a Toyota Tundra? (FAQ)
- Who Has Affordable Stockton Auto Insurance for a Ford Fusion? (FAQ)
- Who Has Cheap Auto Insurance Rates for a Jeep Wrangler in Stockton? (FAQ)
- Who Has the Cheapest Stockton Car Insurance Quotes for Drivers Over Age 60? (FAQ)
- Vehicle Safety Ratings (iihs.org)
- Tools for Teen Driving Safety (State Farm)
- Auto Insurance for Teen Drivers (Insurance Information Institute)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)