Would you like an easy way to compare more competitive insurance rates in New Orleans, LA? New Orleans shoppers have lots of choices when shopping for the best price on Volkswagen Touareg insurance. You can either spend your time contacting agents trying to get quotes or save time using the internet to get rate quotes. There is a better way to shop for insurance and we’ll show you the quickest way to price shop coverage for a Volkswagen and locate the lowest possible price from New Orleans insurance agents and online providers.
It’s an obvious conclusion that insurance companies want to keep you from shopping around. Drivers who shop around once a year will probably buy a different policy because there is a good chance of finding a cheaper policy. A recent insurance study revealed that people who compared rates regularly saved as much as $3,400 over four years compared to those who never shopped around for better prices.
If finding the lowest price on Volkswagen Touareg insurance in New Orleans is your ultimate target, then knowing how to choose a company and compare insurance rates can help simplify the task of finding more affordable coverage.
How to buy Volkswagen Touareg insurance in New Orleans
Getting a low cost price on insurance is not a difficult process. The only thing you need to do is take the time getting comparison quotes online with multiple companies.
The companies shown below can provide quotes in Louisiana. To locate cheaper car insurance in Louisiana, we suggest you visit several of them to get the lowest price.
New Orleans insurance discounts
Companies that sell car insurance don’t list every possible discount in an easy-to-find place, so the below list has some of the more common as well as some of the hidden discounts you could be receiving when you buy New Orleans car insurance online. If you aren’t receiving every discount you qualify for, you are paying more than you should be.
- Discount for Low Mileage – Driving fewer miles could qualify for cheaper premium rates.
- Distant Student – Youth drivers who live away from home at college without a vehicle on campus can be insured at a reduced rate.
- Braking Control Discount – Cars with anti-lock braking systems are much safer to drive and qualify for as much as a 10% discount.
- Anti-theft Discount – Cars equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10% off your New Orleans car insurance quote.
- Safety Course Discount – Taking a safe driver course is a good idea and can lower rates if you qualify.
Drivers should understand that some credits don’t apply to the entire policy premium. Most only reduce specific coverage prices like comp or med pay. So even though they make it sound like it’s possible to get free car insurance, nobody gets a free ride.
The chart below shows the comparison of Volkswagen Touareg insurance costs with and without discounts applied to the policy rates. The rate quotes are based on a female driver, a clean driving record, no at-fault accidents, Louisiana state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, marriage, claim-free, multi-policy, and multi-car discounts applied.
Companies who might offer these benefits include:
If you want the cheapest Volkswagen Touareg rate quotes, ask each company which discounts they offer. A few discounts may not be offered everywhere. If you would like to view insurers that provide some of the discounts listed above in Louisiana, click here.
Data for Volkswagen Touareg insurance
The premium table shown below outlines detailed analysis of insurance costs for Volkswagen Touareg models. Having insight into how insurance policy premiums are formulated can aid in making decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Touareg 3 Turbo Diesel AWD 4-Dr | $442 | $944 | $562 | $34 | $168 | $2,150 | $179 |
| Touareg 3.6 AWD 4-Dr | $442 | $944 | $562 | $34 | $168 | $2,150 | $179 |
| Get Your Own Custom Quote Go | |||||||
Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Louisiana minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Prices do not factor in your specific New Orleans location which can impact coverage prices substantially.
Policy deductible comparison
One common question asked by New Orleans drivers is how low should you set your deductibles. The following tables outline the rate fluctuation of buying low and high physical damage deductibles. The first data set uses a $100 deductible for comp and collision and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Touareg 3 Turbo Diesel AWD 4-Dr | $502 | $980 | $464 | $28 | $140 | $2,139 | $178 |
| Touareg 3.6 AWD 4-Dr | $502 | $980 | $464 | $28 | $140 | $2,139 | $178 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Touareg 3 Turbo Diesel AWD 4-Dr | $278 | $516 | $464 | $28 | $140 | $1,426 | $119 |
| Touareg 3.6 AWD 4-Dr | $278 | $516 | $464 | $28 | $140 | $1,426 | $119 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Louisiana minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Rate information does not factor in specific New Orleans garaging location which can raise or lower coverage rates noticeably.
Using the premium rates above, we can conclude that using a $100 deductible will cost you approximately $59 more each month or $708 each year than selecting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you usually have more than 15 months between claims, you would probably be better off if you choose a higher deductible. The illustration below shows the way you can decide this on your own policy.
| Average monthly premium for $100 deductibles: | $178 |
| Average monthly premium for $1,000 deductibles (subtract): | – $119 |
| Monthly savings from raising deductible: | $59 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $59 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 15 months |
Volkswagen Touareg full coverage rates compared to liability only
The example below shows the comparison of Volkswagen Touareg car insurance costs with full coverage compared to only the Louisiana minimum liability coverage. The information is based on no claims, a clean driving record, $500 deductibles, single marital status, and no discounts are applied to the premium.
Are you wasting money on full coverage?
There is no written rule for eliminating full coverage on your policy, but there is a 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, then you may need to consider dropping full coverage.
For example, let’s say your Volkswagen Touareg replacement cost is $6,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company will settle for is $5,000 after the deductible is paid. If you are paying in excess of $500 annually for full coverage, then it may be the right time to buy liability only.
There are a few situations where dropping physical damage coverage is not a good plan. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should not remove full coverage.
Should I contact an agent?
Many people would rather sit down and talk to an agent and that is just fine! Most agents are very good at helping people manage risk and help in the event of a claim. One of the best bonuses of comparing rate quotes online is the fact that drivers can get the lowest rates and still buy from a local agent.
After completing this simple form, your coverage information gets sent to local insurance agents in New Orleans who will give competitive quotes for your insurance coverage. You don’t have to search for an agent because prices are sent immediately to you. If you wish to get a price quote from a specific insurance company, you would need to visit that company’s website and complete a quote there.
Selecting an insurer should depend on more than just a cheap price. Ask your prospective agent these questions:
- Where are claims handled?
- Are they primarily personal or commercial lines agents in New Orleans?
- Will your rates increase after a single accident?
- How many years of experience in personal auto insurance do they have?
- How long has their agency been open in New Orleans?
Two different types of car insurance agents
If you would like to find a reputable agency, it helps to know the two types of agencies and how they are distinctly different. Car insurance agents are either independent (non-exclusive) or exclusive. Either can insure your vehicles, but it’s important to point out why they differ because it can impact which agent you choose.
Exclusive Car Insurance Agents
These type of agents can only quote rates from one company such as Farmers Insurance or State Farm. Exclusive agents cannot compare rates from other companies so they have no alternatives for high prices. Exclusive agents are usually quite knowledgeable on what they offer which helps them sell on service rather than price. Some people will only buy from the same agent for years primarily because of the prominence of the brand rather than low price.
Listed below are New Orleans exclusive insurance agencies willing to provide price quote information.
- Randy Bordlee – State Farm Insurance Agent
4650 General De Gaulle Dr #102 – New Orleans, LA 70131 – (504) 392-9300 – View Map - Allstate Insurance: Daniel Rahman
701 Dante St c – New Orleans, LA 70118 – (504) 861-2700 – View Map - Allstate Insurance: Kenneth Taylor
7037 Canal Blvd #201 – New Orleans, LA 70124 – (504) 283-9310 – View Map
Independent Car Insurance Agents
Independent agents often have affiliation with several companies and that is an advantage because they can write policies with a variety of different insurance companies enabling the ability to shop coverage around. If you want to switch companies, an independent agent can move your coverage and the insured can keep the same agent. If you are comparing rate quotes, you will definitely want to get quotes from multiple independent agents to have the best price comparison. They also have the ability to place coverage with lesser-known insurance companies that may provide cheaper car insurance rates.
The following is a short list of independent agencies in New Orleans who can help you get comparison quotes.
- Murphy Insurance LLC
2107 Soniat St – New Orleans, LA 70115 – (504) 899-8010 – View Map - Lovecchio Insurance
1510 Robert E Lee Blvd – New Orleans, LA 70122 – (504) 284-7778 – View Map - Nola Insurance Agency
2646 Banks St – New Orleans, LA 70119 – (504) 822-8770 – View Map
Car insurance policy specifics
Knowing the specifics of your car insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Car insurance terms can be impossible to understand and nobody wants to actually read their policy.
Comprehensive car insurance – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things such as rock chips in glass, damage from getting keyed and damage from flooding. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Collision – Collision insurance covers damage to your Touareg resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.
Collision can pay for claims such as backing into a parked car, scraping a guard rail, rolling your car and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also increase the deductible on your Touareg to get cheaper collision coverage.
Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as damage to your Volkswagen Touareg.
Since many Louisiana drivers have only the minimum liability required by law (15/30/25 in Louisiana), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
Coverage for medical expenses – Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like rehabilitation expenses, doctor visits and surgery. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage
Auto liability insurance – Liability coverage protects you from damage or injury you incur to other people or property by causing an accident. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 15/30/25 which means $15,000 bodily injury coverage, a per accident bodily injury limit of $30,000, and a limit of $25,000 paid for damaged property.
Liability insurance covers things like medical expenses, bail bonds, repair bills for other people’s vehicles, legal defense fees and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but buy as much as you can afford. Louisiana state law requires minimum liability limits of 15/30/25 but it’s recommended drivers buy higher limits.
The chart below shows why minimum state limits may not be adequate.
A little work can save a LOT of money
People switch companies for any number of reasons including denial of a claim, lack of trust in their agent, unfair underwriting practices and even high rates after DUI convictions. No matter why you want to switch, switching car insurance companies can be easier than you think.
In this article, we covered many ideas to shop for Volkswagen Touareg insurance online. The key thing to remember is the more you quote New Orleans car insurance, the higher your chance of finding affordable New Orleans car insurance quotes. You may even discover the best prices are with a company that doesn’t do a lot of advertising.
Budget-conscious Volkswagen Touareg insurance is definitely available on the web and from local agencies, so you need to quote New Orleans car insurance with both in order to have the best chance of saving money. There are still a few companies who do not offer online rate quotes and these smaller companies provide coverage only through independent insurance agencies.
How to find affordable quotes for Volkswagen Touareg insurance in New Orleans
If saving money is your primary concern, then the best way to get more affordable Volkswagen Touareg insurance in New Orleans is to do a yearly price comparison from companies that insure vehicles in Louisiana. Prices can be compared by following these guidelines.
First, take a few minutes and learn about how auto insurance works and the things you can control to prevent high rates. Many rating criteria that increase rates like speeding and a less-than-favorable credit score can be rectified by making lifestyle changes or driving safer.
Second, request price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can give quotes from a single company like GEICO and State Farm, while agents who are independent can give you price quotes for many different companies. Find a New Orleans insurance agent
Third, compare the price quotes to the price on your current policy to see if switching to a new carrier will save money. If you find a lower rate quote and buy the policy, ensure coverage does not lapse between policies.
The most important part of this process is to make sure you enter identical deductibles and limits on every quote and to quote with all possible companies. Doing this provides a level playing field and a complete price analysis.
For more information, take a look at these articles:
- Preventing Carjacking and Theft (Insurance Information Institute)
- What Insurance is Cheapest for Good Drivers in New Orleans? (FAQ)
- Auto Insurance Basics (Insurance Information Institute)
- Red Light Cameras (State Farm)
- Prom Night Tips for Teen Drivers (State Farm)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)