Really, the only way to find affordable quotes for Volkswagen Touareg insurance in Dallas is to regularly compare prices from insurers that insure vehicles in Texas.
- Take a little time to learn about coverages and the measures you can control to prevent expensive coverage. Many things that result in higher prices such as speeding tickets, careless driving and poor credit history can be eliminated by making minor changes in your lifestyle. This article gives ideas to help prevent high rates and find hidden discounts.
- Request rate estimates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give prices from a single company like GEICO or Farmers Insurance, while independent agencies can provide price quotes for a wide range of insurance providers. Compare rates
- Compare the price quotes to the price on your current policy and see if there is a cheaper rate. If you can save money and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.
The most important part of shopping around is to make sure you’re comparing the same deductibles and limits on every quote request and and to get rate quotes from every insurance company. Doing this guarantees a level playing field and plenty of rates choose from.
It’s a known fact that insurance companies don’t want you to look for cheaper rates. Insureds who shop around at least once a year are inclined to switch to a new company because there is a high probability of finding good coverage at a lower price. A recent insurance study discovered that consumers who made a habit of comparing rates saved approximately $3,500 over four years compared to drivers who don’t regularly compare prices.
If finding the lowest price for insurance is the reason you’re reading this, then having some insight into how to compare car insurance can make it easier to find better rates.
Most of the larger companies allow you to get coverage prices from their websites. Getting online quotes for Volkswagen Touareg insurance in Dallas is pretty painless because it’s just a matter of typing in the coverage amounts you desire into the quote form. When complete, the quote system automatically orders your driving and credit reports and gives you a price quote based on the data you entered.
Being able to quote online for Volkswagen Touareg insurance in Dallas makes comparing rates easy, and it is important to get many rate quotes in order to get the most affordable auto insurance rates.
To find out how much you can save on auto insurance, compare rates from the companies below. To compare your current rates, we recommend you copy the coverage information exactly as they are listed on your policy. This way, you will be getting comparison quotes using the exact same coverages.
The companies shown below can provide price comparisons in Texas. If several companies are displayed, it’s a good idea that you visit several of them to get the best price comparison.
Companies offer many types of discounts on Volkswagen Touareg insurance in Dallas
Companies offering auto insurance don’t list every available discount very well, so we researched some of the more common in addition to some of the lesser obvious credits available to lower your premiums when you buy Dallas auto insurance online.
- Senior Citizen Rates – Drivers over the age of 55 may be able to get a small decrease in premiums.
- Anti-theft Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems help deter theft and that can save you a little bit as well.
- Good Student Discount – Getting good grades could provide a savings of up to 20% or more. Most companies allow this discount well after school through age 25.
- Sign Online – Some companies will give you a small discount for buying your policy on the web.
- Early Renewal Discounts – A few insurance companies allow discounts for buying a policy before your current Touareg insurance policy expires. It can save you around 10%.
- Distant College Student Discount – Any of your kids who are enrolled in a college that is more than 100 miles from Dallas and do not take a car to college can be insured at a reduced rate.
- Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them complete a driver education course if it’s offered in school.
Remember that some credits don’t apply to the entire cost. Most only cut the price of certain insurance coverages like comprehensive or collision. So when the math indicates all those discounts means the company will pay you, it doesn’t quite work that way. Any amount of discount will lower the cost of your policy.
The information below illustrates the comparison of Volkswagen Touareg insurance costs with and without discounts applied to the policy rates. The premiums assume a female driver, no claims or violations, Texas state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, multi-car, claim-free, multi-policy, and marriage discounts applied.
Larger insurance companies and a partial list of their discounts can be read below.
- State Farm offers discounts including passive restraint, defensive driving training, Drive Safe & Save, multiple autos, driver’s education, and student away at school.
- GEICO may offer discounts for membership and employees, daytime running lights, good student, anti-theft, anti-lock brakes, driver training, and military active duty.
- Allstate includes discounts for resident student, economy car, teenSMART discount, auto/life discount, senior citizen, and early signing.
- SAFECO has discounts for accident prevention training, anti-lock brakes, bundle discounts, multi-car, teen safety rewards, and safe driver.
- Farm Bureau offers premium reductions for multi-vehicle, good student, multi-policy, safe driver, youthful driver, 55 and retired, and driver training.
- Progressive has savings for homeowner, online quote discount, multi-vehicle, online signing, multi-policy, and continuous coverage.
- AAA policyholders can earn discounts including good driver, pay-in-full, anti-theft, education and occupation, and good student.
Before purchasing a policy, check with all companies you are considering how you can save money. All car insurance discounts might not be offered on policies in Dallas. To locate insurers that offer discounts in Texas, click here.
Volkswagen Touareg insurance analysis
The table displayed next highlights detailed analysis of insurance prices for Volkswagen Touareg models. Being able to understand how auto insurance prices are figured is important to be able to make smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Touareg 3 Turbo Diesel AWD 4-Dr | $322 | $682 | $366 | $22 | $110 | $1,502 | $125 |
| Touareg 3.6 AWD 4-Dr | $322 | $682 | $366 | $22 | $110 | $1,502 | $125 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Rate information does not factor in specific Dallas garaging location which can revise coverage prices considerably.
Policy deductibles
One of the hardest decisions when shopping for auto insurance is how high should the deductibles for physical damage be. The data tables below help summarize the difference in cost of buying low and high physical damage coverage deductibles. The first set of prices uses a $100 comprehensive and collision deductible and the second rate chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Touareg 3 Turbo Diesel AWD 4-Dr | $412 | $804 | $382 | $22 | $114 | $1,759 | $147 |
| Touareg 3.6 AWD 4-Dr | $412 | $804 | $382 | $22 | $114 | $1,759 | $147 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Touareg 3 Turbo Diesel AWD 4-Dr | $300 | $542 | $382 | $22 | $114 | $1,360 | $113 |
| Touareg 3.6 AWD 4-Dr | $300 | $542 | $382 | $22 | $114 | $1,360 | $113 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Rate information does not factor in specific Dallas garaging location which can modify rates greatly.
Based on the above data, using a $100 deductible will cost you roughly $34 more each month or $408 every year than quoting the higher $500 deductible. Since you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you average at a minimum 12 months between claims, you would save more money if you opt for a higher deductible.
Irresponsible driving raises your rates
The illustration below illustrates how violations and accidents raise Volkswagen Touareg insurance costs for each different age category. The premium estimates are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.
Full coverage versus liability-only in Dallas
The diagram below compares Volkswagen Touareg premium costs with liability coverage only compared to full coverage. The costs are based on no driving violations, no at-fault accidents, $500 deductibles, marital status is single, and no policy discounts are applied.
When to drop comp and collision
There is no definitive guideline that works best for making the decision to drop physical damage coverage on your policy, but there is a general school of thought. If the annual cost of having full coverage is more than 10% of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.
For example, let’s say your Volkswagen Touareg book value is $7,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $6,000 after paying the physical damage deductible. If it’s costing you more than $600 a year for full coverage, then it may be the right time to buy liability only.
There are some situations where buying only liability insurance is not a good plan. If you haven’t satisfied your loan, you have to carry full coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not eliminate full coverage.
Why Your Insurance Prices might be higher
One of the most helpful ways to save on auto insurance is to to have a grasp of some of the factors that come into play when calculating your premiums. When you understand what influences your rates, this allows you to make good choices that can help you get lower premium levels.
Shown below are some of the things companies use to determine your prices.
Teen drivers cost more – Drivers with little experience are known to be easily distracted with other occupants in the car therefore auto insurance rates are much higher. If you’ve ever had to add a teen driver to your auto insurance policy can break the bank. More experienced drivers are more cautious drivers, tend to cause fewer accidents, and tend to be get fewer driving tickets.
The following chart uses these variables: single driver, full coverage with $1000 deductibles, and no discounts or violations.
Lower rates by increasing physical damage deductibles – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your Volkswagen. A few examples of covered claims could be a dented fender, damage caused by hail, and windstorm damage. Comp and collision deductibles define how much you are required to spend out-of-pocket if you file a covered claim. The more of the claim the insured is willing to pay, the less money you will pay for auto insurance.
Do you really need roadside assistance? – Insurance companies have many extra bells and whistles you can purchase when buying auto insurance. Things like rental car reimbursement, accident forgiveness, and motor club memberships may not be needed and are just wasting money. The coverages may be enticing when talking to your agent, but if you have no use for them eliminate them to save money.
Which gender costs less? – Statistics show that females take fewer risks when driving. It does not mean males are worse at driving than females. Men and women are in at-fault accidents at about the same rate, but guys tend to have higher claims. In addition to higher claims, males also have more aggressive citations like DUI and reckless driving.
The diagram below illustrates the comparison of Volkswagen Touareg insurance prices for male and female drivers. The rates are based on no claims or driving violations, full physical damage coverage, $100 deductibles, single status, and no discounts are applied.
More performance means more cost – The performance of the car, truck or SUV you drive makes a significant difference in determining your rates. The best insurance prices are for the lowest performance passenger vehicles, but that’s not the only thing that factors into the final price.
The next chart is based on a single female driver age 50, full coverage with $500 deductibles, and no discounts or violations. The chart compares Volkswagen Touareg policy rates compared to other models that have a range of risk factors.
Multi-policy discounts can save money – The majority of insurers afford discounts to people who buy several policies from them. It’s known as a multi-policy discount. Even with this discount applied, it’s still a good idea to compare other Dallas Touareg insurance rates to guarantee you are still saving the most.
Lower premiums for cars with good safety ratings – Vehicles with good safety scores are cheaper to insure. The safest vehicles reduce occupant injuries and reduced instances of injuries translates into fewer and smaller insurance claims and thus lower rates. If the Volkswagen Touareg has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
Volkswagen Touareg claim data – Companies use past insurance losses when setting premium prices. Vehicles that historically have high amounts or severity of claims will have a higher premium rate. The table below illustrates the loss history for Volkswagen Touareg vehicles.
For each insurance policy coverage type, the loss probability for all vehicles, without regard to make or model, is set at 100. Values that are 100 or less suggest a positive loss record, while percentage values above 100 indicate more frequent claims or an increased probability of a larger loss.
| 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
What if I want to buy from local Dallas car insurance agents?
A small number of people just prefer to talk to an insurance agent and that is a personal choice. Agents can answer important questions and will help you if you have claims. One of the great benefits of comparing insurance prices online is the fact that drivers can get lower rates and still buy from a local agent.
After filling out this quick form, your insurance coverage information is transmitted to insurance agents in Dallas who will return price quotes for your coverage. You don’t have to even leave your home since rate quotes are delivered instantly to you. If you need to quote rates from a specific company, you would need to navigate to their website and fill out the quote form the provide.
Picking the best insurer is decision based upon more than just the quoted price. Agents should be asked these questions:
- How long has their agency been open in Dallas?
- What company holds the largest book of business for them?
- Does the company have a local claim office in Dallas?
- Is there any savings for paying the full premium?
- What insurance companies do they work with in Dallas?
- How often do they review coverages?
If you need to find a reliable agent, it’s helpful to know the types of agencies and how they can quote your rates. Auto insurance policy providers are classified as either independent or exclusive. Either type can do a good job, but it’s important to point out the difference in the companies they write for since it could factor into the kind of agent you use.
Exclusive Agencies
Agents that choose to be exclusive can only quote rates from one company like State Farm, Allstate, or Farmers Insurance. They generally cannot give you multiple price quotes so they have to upsell other benefits. These agents are well schooled on sales techniques which helps them sell on service rather than price. Some consumers prefer to buy from the same agent for years partially due to the brand name and solid financial strength.
Shown below is a short list of exclusive insurance agencies in Dallas who can help you get comparison quotes.
- Roxy Brown – State Farm Insurance Agent
12640 E Northwest Hwy, Ste 408 – Dallas, TX 75228 – (972) 681-6128 – View Map - Michele Davis – State Farm Insurance Agent
9661 Audelia Rd #111 – Dallas, TX 75238 – (214) 328-8282 – View Map - Steve Barnes – State Farm Insurance Agent
4403 N Central Expy, Ste 100 – Dallas, TX 75205 – (214) 515-9900 – View Map
Independent Auto Insurance Agencies
Agents in the independent channel do not work for one specific company so they have the ability to put coverage amongst many companies and find you cheaper rates. If your agent finds better pricing, they simply move your policy to a different company without you having to go to a different agency.
When comparing auto insurance rates, we highly recommend that you compare quotes from a few independent agents in order to have the best price comparison. Most have the option of insuring with smaller regional carriers who may have lower rates.
Below are independent insurance agencies in Dallas that can give you price quotes.
- Northwest Insurance
11722 Marsh Ln # 345 – Dallas, TX 75229 – (214) 352-5656 – View Map - Thumann Agency, Inc
12770 Coit Rd Suite 110 – Dallas, TX 75251 – (972) 991-9100 – View Map - Nationwide Insurance: Paula L Ratliff Agency Inc
11661 Preston Rd #146 – Dallas, TX 75230 – (214) 890-0760 – View Map
Once you have good answers to any questions you have and an affordable coverage quote, it’s possible that you found an insurance agency that meets the requirements to insure your vehicles. It’s important to know that policyholders can terminate your policy at any point so never assume you’re contractually obligated to a specific company for a certain time period.
How do I know if I need professional advice?
When quoting and comparing your policy, there really is not a one-size-fits-all type of policy. Everyone’s situation is a little different.
Here are some questions about coverages that could help you determine if you may require specific advice.
- If I use my vehicle for business use is it covered?
- Can I rent a car in Mexico?
- Does my insurance cover damage caused when ticketed for reckless driving?
- Do I have coverage for damage caused while driving under the influence?
- What is high-risk coverage and where do I buy it?
- What are the liability requirements in my state?
- At what point should I drop full coverage?
- Is there coverage for injuries to my pets?
If you don’t know the answers to these questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and you can get the answers you need.
Cheaper auto insurance rates are possible
People change insurance companies for a number of reasons such as high rates after DUI convictions, extreme rates for teen drivers, questionable increases in premium or even being labeled a high risk driver. Regardless of your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.
As you prepare to switch companies, don’t be tempted to reduce needed coverages to save money. There have been many situations where an insured cut physical damage coverage only to discover later they didn’t purchase enough coverage. The goal is to buy a smart amount of coverage at the best price, not the least amount of coverage.
You just learned a lot of techniques to save on Volkswagen Touareg insurance in Dallas. The key concept to understand is the more providers you compare, the higher the chance of saving money. You may even be surprised to find that the best car insurance rates are with a small mutual company.
Additional learning opportunities
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- How Much is Auto Insurance for Handicapped Drivers in Dallas? (FAQ)
- How Much are Dallas Auto Insurance Rates for a Toyota Highlander? (FAQ)
- Who Has Cheap Car Insurance Rates for Welfare Recipients in Dallas? (FAQ)
- Who Has Affordable Dallas Car Insurance for a Ford Escape? (FAQ)
- Who Has Cheap Auto Insurance for College Graduates in Dallas? (FAQ)
- Protecting Teens from Drunk Driving (Insurance Information Institute)
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
- Frontal Crash Tests (iihs.org)