Are you burned out from scraping nickels together to pay high insurance rates every month? You have the same problem as the majority of other vehicle owners in South Carolina.
Regrettably, most drivers have stayed with the same insurance company for four years or more, and about 40% of consumers have never quoted insurance rates at all. South Carolina drivers could save roughly $700 every year just by comparing rates, but most tend to underestimate the amount of savings they would get if they bought a different policy.
Vehicle owners have many auto insurance companies to purchase coverage from, and although it's a good thing to have a choice, so many choices can make it hard to find a good deal for Volkswagen Tiguan insurance in Columbia.
The best way we recommend to compare rates for Volkswagen Tiguan insurance in Columbia is to know the fact all the major auto insurance companies participate in a system to compare rate quotes. To start a quote, the only thing you need to do is spend a couple of minutes providing details such as if the car is leased, level of coverage desired, if you require a SR-22, and how old drivers are. The rating information is sent automatically to many of the top insurers and you get price estimates instantly to find the best rate.
To compare rates for your Volkswagen Tiguan now, click here and enter your zip code.
The auto insurance companies shown below are ready to provide free rate quotes in Columbia, SC. If the list has multiple companies, we suggest you compare several of them in order to get a fair rate comparison.
Lower your car insurance rates with discounts
Some insurers do not advertise all possible discounts very well, so the following list contains a few of the more common as well as the least known credits available to lower your premiums when you buy Columbia car insurance online. If you do not double check each discount possible, you could be getting lower rates.
- Savings for New Vehicles - Insuring a new Tiguan can cost up to 25% less since new vehicles have better safety ratings.
- Safe Driver Discounts - Insureds without accidents can get discounts for up to 45% lower rates compared to accident prone drivers.
- Discounts for Federal Employees - Federal government employees can save as much as 8% but check with your company.
- Life Insurance - Select insurance companies reward you with better prices if you take out some life insurance in addition to your auto policy.
- Drivers Education - Have your child sucessfully take a driver's education course if offered at their school.
Policy discounts save money, but some credits don't apply to the overall cost of the policy. Most only apply to specific coverage prices like collision or personal injury protection. So even though they make it sound like adding up those discounts means a free policy, insurance companies wouldn't stay in business.
If you would like to view car insurance companies with significant discounts in South Carolina, click here to view.
Why you need quality insurance for your Tiguan
Despite the fact that auto insurance is not cheap in Columbia, auto insurance serves an important purpose.
First, just about all states have mandatory insurance requirements which means it is punishable by state law to not carry specific limits of liability in order to get the vehicle licensed. In South Carolina these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you bought your Volkswagen Tiguan with a loan, more than likely the lender will have a requirement that you buy insurance to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the bank or lender will purchase a policy for your Volkswagen at a more expensive rate and make you pay for the much more expensive policy.
Third, auto insurance protects your car and your assets. Insurance will pay for many types of medical costs for you, any passengers, and anyone injured in an accident. Liability coverage also pays expenses related to your legal defense if anyone sues you for causing an accident. If your Volkswagen gets damaged, your policy will pay to restore your vehicle to like-new condition.
The benefits of having auto insurance are without a doubt worth the cost, especially with large liability claims. But the average American driver is overpaying over $825 a year so you should quote and compare rates at every policy renewal to help ensure money is not being wasted.
Insurance agents can give valuable advice
Certain consumers just prefer to buy from a local agent and that is recommended in a lot of cases An additional benefit of getting online price quotes is you can get cheap insurance rates and still have an agent to talk to. And supporting neighborhood insurance agencies is especially important in Columbia.
To help locate an agent, after submitting this short form, your information gets sent to agents in your area that can give you free Columbia car insurance quotes and help you find cheaper coverage. It's much easier because you don't need to even leave your home due to the fact that quote results will go straight to your inbox. Get lower rates AND a local agent. In the event you want to quote rates from a specific company, just go to their quote page and fill out the quote form the provide.
Car insurance agents in Columbia come in two varieties
If you want to buy insurance from a local Columbia insurance agency, you need to know there are two types of insurance agents that you can select. Insurance agencies in Columbia can be classified as either independent or exclusive depending on the company they work for.
Independent Agencies or Brokers
Agents that choose to be independent are not locked into one company so they can quote policies through many companies and help determine which has the cheapest rates. If your premiums go up, an independent agent can move your coverage and you can keep the same agent. If you are comparing rate quotes, you definitely need to check rates from several independent agencies for the best price selection.
Listed below is a small list of independent agents in Columbia who may provide rate quotes.
Exclusive Insurance Agents
Agents of this type can only place business with one company and some examples include Farmers Insurance and State Farm. They are unable to shop your coverage around so it's a take it or leave it situation. Exclusive agents receive extensive training on what they offer which helps offset the inability to provide other markets.
The following are Columbia exclusive agents who can help you get rate quotes.
Choosing the best car insurance agent requires more thought than just a cheap price quote. These are some questions you should get answers to.
- Does the company have a solid financial rating?
- How does the company pay claims for a total loss?
- How long has their agency been in business in Columbia?
- Are claims handled at the agent's location?
- Do they write coverage based solely on cost?
- Where would your vehicle be repaired?
- Do you work with a CSR or direct with the agent?
- How often do they review coverages?
After receiving reasonable responses to any questions you may have and an acceptable price quote, you have narrowed it down to a car insurance agent that is reliable enough to adequately provide insurance. It's important to know that you can cancel your policy whenever you wish so don't assume you're contractually obligated to any specific agency for any length of time.