Insurance for Volkswagen TouaregHow long has it been since you sat down and looked for low-cost Volkswagen Touareg insurance in Honolulu? Are you sick and tired of not being able to afford to pay high insurance rates every month? You are in the same boat as many other drivers in Hawaii.

It's hard to believe, but most insurance buyers kept buying from the same company for more than four years, and almost half have never compared rates with other companies. Honolulu insurance shoppers could pocket roughly $360 a year, but most undervalue how much they could save if they bought a different policy. You have multiple insurance companies to purchase coverage from, and though it is a good thing to have a selection, too many choices makes it more difficult to get the best deal for Volkswagen Touareg insurance in Honolulu.

You need to quote other rates once or twice a year because insurance prices change quite often. Even if you got the lowest rates on Volkswagen Touareg insurance in Honolulu six months ago you will most likely find a better rate quote today. Block out anything you think you know about insurance because I'm going to teach you the easiest way to reduce your cost while increasing coverage.

The quickest way to compare car insurance rates for Volkswagen Touareg insurance in Honolulu is to know all the major auto insurance companies actually pay money for the chance to compare their rates. The one thing you need to do is spend a couple of minutes providing details like if you're married, if a SR-22 is required, the type of vehicles you drive, and types of safety features. Your insurance information gets sent immediately to all major companies and you will get price comparisons quickly.

To compare rates for your car now, click here and see if a lower rate is available in Honolulu.

The providers in the list below can provide comparison quotes in Honolulu, HI. If multiple companies are shown, we suggest you visit two to three different companies to find the lowest auto insurance rates.

Volkswagen Touareg Insurance Estimates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Touareg 3 Turbo Diesel AWD 4-Dr $160 $312 $248 $14 $74 $808 $67
Touareg 3.6 AWD 4-Dr $160 $312 $248 $14 $74 $808 $67
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Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Prices do not factor in specific location information which can impact auto insurance rates substantially.

Car insurance premiums by gender

The diagram below visualizes the comparison of Volkswagen Touareg auto insurance costs for male and female drivers. The data assumes no violations or accidents, full physical damage coverage, $1,000 deductibles, single marital status, and no other discounts are factored in.

Car insurance deductibles

One common question asked by Honolulu drivers is which comprehensive and collision deductibles to buy. The tables below may aid in understanding how much more you'll pay between low and high physical damage deductibles. The first rate quote example uses a $100 deductible for physical damage and the second price chart uses a $500 deductible.

Volkswagen Touareg insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Touareg 3 Turbo Diesel AWD 4-Dr $286 $558 $264 $16 $80 $1,229 $102
Touareg 3.6 AWD 4-Dr $286 $558 $264 $16 $80 $1,229 $102
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Volkswagen Touareg insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Touareg 3 Turbo Diesel AWD 4-Dr $210 $378 $264 $16 $80 $948 $79
Touareg 3.6 AWD 4-Dr $210 $378 $264 $16 $80 $948 $79
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Estimates do not factor in specific Honolulu garaging location which can affect coverage rates significantly.

Using the data above, we can ascertain that using a $100 deductible will cost you roughly $23 more each month or $276 every year than choosing the higher $500 deductible. Since you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you normally go at least 17 months between claim filings, you would more than likely save some money by going with a higher deductible.

Get discounts on Honolulu insurance

Some insurers don't list the complete list of policy discounts very well, so we researched both well-publicized in addition to some of the lesser obvious ways to save on insurance.Insurance discounts

You should keep in mind that most discount credits are not given to all coverage premiums. Most only reduce individual premiums such as comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, insurance companies aren't that generous.

Larger insurance companies and their possible discounts include:

If you are trying to find affordable Volkswagen Touareg insurance quotes, ask each company or agent which discounts you may be entitled to. Some discounts might not be offered in your area. To locate insurance companies who offer discounts in Honolulu, click here.

Why car insurance is not optional

Even though it's not necessarily cheap to insure a Volkswagen in Honolulu, paying for car insurance is required in Hawaii but it also protects you in many ways.

First, almost all states have mandatory insurance requirements which means it is punishable by state law to not carry a minimum amount of liability protection in order to get the vehicle licensed. In Hawaii these limits are 20/40/10 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you have a loan on your car, almost all lenders will stipulate that you buy full coverage to protect their interest in the vehicle. If you do not keep the policy in force, the bank or lender will purchase a policy for your Volkswagen at an extremely high rate and force you to reimburse them for the much more expensive policy.

Third, car insurance preserves both your Volkswagen Touareg and your personal assets. It will also reimburse you for all forms of medical expenses for not only you but also any passengers injured in an accident. Liability coverage, the one required by state law, will also pay attorney fees if you cause an accident and are sued. If you have damage to your Volkswagen as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.

The benefits of insuring your Touareg definitely exceed the price paid, especially when you need to use it. According to a 2015 survey, the average American driver is overpaying over $750 every year so we recommend shopping around at every renewal to make sure the price is not too high.

There's no such thing as the perfect insurance policy

When buying a policy, there really is no perfect coverage plan. Your needs are not the same as everyone else's and your insurance should be unique as well.Higher deductibles save money For example, these questions could help you determine whether you might need professional guidance.

If you can't answer these questions, you may need to chat with an agent. If you don't have a local agent, take a second and complete this form or click here for a list of insurance companies in your area. It only takes a few minutes and you can get the answers you need.

Shop online but buy locally

Many people still prefer to have an agent's advice and we recommend doing that Good insurance agents can answer important questions and help in the event of a claim. An additional benefit of getting online price quotes is the fact that drivers can get cheaper prices and still have a local agent. Supporting local agents is definitely important in Honolulu.

Insurance agency in HonoluluTo help locate an agent, after submitting this form (opens in new window), the coverage information gets sent to agents in your area that can provide free Honolulu auto insurance quotes for your business. You won't even need to leave your computer because prices are sent to you. In the event you want to get a price quote for a specific company, don't hesitate to navigate to their website and give them your coverage information.

Is an exclusive or independent car insurance agent right for you?

When searching for a reliable insurance agency, there are two different types of agencies and how they are slightly different. Insurance agencies are classified as either independent (non-exclusive) or exclusive. Both types of agents can write insurance policies, but it is important to understand the subtle differences since it could factor into your selection of an agent.

Independent Agents (or Brokers)

These agents do not have single company limitations so they can insure your vehicles with a variety of different insurance companies and get the cheapest rates. If prices rise, they simply move your policy to a different company which makes it simple for you. If you need cheaper insurance rates, you need to get rate quotes from independent agents for maximum quote selection.

Below is a list of independent agencies in Honolulu that may be able to provide comparison quotes.

1132 Bishop St #1600 - Honolulu, HI 96813 - (808) 533-8728 - View Map

819 S Beretania St - Honolulu, HI 96813 - (808) 539-1600 - View Map

420 Waiakamilo Rd - Honolulu, HI 96817 - (808) 527-7667 - View Map

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Exclusive Insurance Agencies

Exclusive agents can only provide one company's prices and examples are Allstate, Farmers Insurance or State Farm. Exclusive agents are unable to compare other company's rates so they are skilled at selling on more than just price. Exclusive agencies receive extensive training on sales techniques which helps them sell insurance even at higher premiums.

Shown below is a short list of exclusive agents in Honolulu that can give you comparison quotes.

Six Waterfront Plaza 3rd Floor, 500 Ala Moana Blvd - Honolulu, HI 96813 - (808) 533-2444 - View Map

2024 N King St #101b - Honolulu, HI 96819 - (808) 842-5844 - View Map

841 Bishop St #203 - Honolulu, HI 96813 - (808) 531-9918 - View Map

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Selecting an auto insurance agent requires more thought than just a cheap price. These are some questions you should get answers to.

Upon receiving good responses to your questions and a good coverage price, you have narrowed it down to a car insurance agent that can insure your vehicles.