2010 Volkswagen Routan Insurance Quotes

Looking for lower car insurance rates for your Volkswagen Routan? Did you make the mistake of buying an overpriced car insurance policy? You’re in good company because you are not the only one feeling buyer’s remorse.

Multiple insurers compete for your business, and because of this it can be hard to compare insurance companies and get the best coverage at the best rate

It’s a good habit to compare premium rates every six months due to the fact that insurance prices go up and down regularly. Just because you found the best deal on Routan insurance last year you will most likely find a better rate quote today. Forget anything you know (or think you know) about car insurance because it’s time to teach you how to use online quotes to properly buy coverages and cut your premium.

If you have car insurance now, you stand a good chance to be able to save some money using these tips. Finding the best rates is not rocket science. Although vehicle owners can benefit by having an understanding of the way insurance companies market insurance on the web because it can help you find the best coverage.

Six factors that determine insurance premiums

Lots of factors are used in the calculation when pricing auto insurance. Some are pretty understandable such as traffic violations, but some are not quite as obvious like where you live and annual miles driven.Consumers need to have an understanding of some of the elements that help determine your premiums. If you have a feel for what influences your rates, this empowers consumers to make smart changes that could help you find cheaper rates.

Shown below are some of the most rate-impacting factors insurance coverage companies consider when setting premiums.

• Marriage is a good thing – Your spouse may cut your premiums when shopping for insurance coverage. Having a significant other translates into being more mature and it’s proven that drivers who are married are more cautious.
• Improve your credit history and save – Credit history is likely to be a major factor in calculating your insurance coverage rates. Drivers who have high credit scores tend to be more responsible and file fewer claims than drivers who have worse credit. If your credit is lower than you’d like, you could be paying less to insure your 2010 Volkswagen Routan by repairing your credit.
• Safety first – Vehicles with good safety scores can get you lower premiums. Safer cars have better occupant injury protection and reduced instances of injuries means less claims paid and lower rates for you.
• Gender as a rate factor – Statistics have proven that females tend to be a little less risky than males. That doesn’t necessarily mean that men are WORSE drivers than women. Men and women get in fender benders in similar numbers, but males have accidents that have higher claims. They also receive more costly citations such as DWI and reckless driving.
• Higher rates for insurance coverage policy lapses – Driving without insurance coverage in place is illegal and companies may charge more for letting your insurance coverage expire. And not only will insurance be more expensive, not being able to provide proof of insurance might get you fines and jail time. You may then have to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
• Keep insurance coverage rates low by being claim-free – Car insurance companies give most affordable rates to people who are claim-free. If you are the type of insured that files lots of claims you can look forward to much higher rates or policy non-renewal. Auto insurance is intended for the large, substantial claims.

How to get cheap insurance

There are multiple methods to shop for insurance, but one way is easier and takes less work. You could waste a few hours talking about coverages with insurance companies in your area, or you could save time and use online quoting to achieve your goal.

All the larger companies are enrolled in a marketplace where insurance shoppers submit their information once, and at least one company can give them a price for coverage. This system prevents you from having to do quote forms for each company you want a rate for. To submit your quote information now, click here to start a free quote.

The only drawback to using this type of form is that you can’t choose the companies you will receive quotes from. If you would rather choose from a list of companies to receive pricing from, we put together a list of the cheapest insurance companies in your area. Click here to view list.

How you compare quotes is your choice, just make sure you are using the exact same quote information for every quote you compare. If your comparisons have different deductibles it’s impossible to determine the best price for your Volkswagen Routan. Just slight variations in insurance coverages could throw off the whole comparison. Just remember that comparing all the rates in your area increases your odds of finding more affordable rates.

Do drivers who switch really save $451 a year?

Insurance companies such as Progressive, Allstate and Geico seem to constantly run ads in print and on television. They all seem to say the same thing about how much you will save if you switch your insurance policy to them. How can each company give you a lower rate? Here is the trick they use.

Insurance companies look for specific characteristics for the type of customer that will not have excessive claims. A good example of a desirable insured could be between the ages of 30 and 50, has a clean driving record, and drives less than 7,500 miles a year. Any customer who matches that profile may get the lowest prices and have a good chance to save when they switch companies.

People who cannot meet this ideal profile will be charged higher prices which translates to the prospect going elsewhere. The trick is to say “drivers who switch” but not “all drivers who get quotes” save that much money. That is how insurance companies can confidently advertise the way they do. Because of the profiling, you really should get price quotes at each policy renewal. Because without a comparison, you cannot know which insurance companies will provide the lowest rates.

Affordable insurance coverage rates with discounts

Some insurance providers don’t list every discount very well, so we took the time to find a few of the more common and the harder-to-find credits available to you.

• Payment Discounts – If paying your policy premium upfront instead of paying each month you could save 5% or more.
• Student Discount for Driver Training – Require your teen driver to sucessfully take a drivers education course as it will make them better drivers and lower rates.
• Theft Deterent Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and that can save you a little bit as well.
• Mature Driver Discount – Mature drivers can get better insurance coverage rates on Routan insurance.
• Homeowners Discount – Just owning your own home can save you money since home ownership requires a higher level of personal finance.
• Employee of Federal Government – Simply working for the federal government may reduce rates when you quote insurance on Routan insurance but check with your company.
• Distant College Student Discount – Any of your kids who live away from home to go to college and leave their car at home may qualify for this discount.
• Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to use a seat belt may be able to save a few bucks off the personal injury premium cost.
• Defensive Driver Discounts – Completing a course that instructs on driving safety could save 5% or more and make you a better driver.

Just know that most credits do not apply to your bottom line cost. Some only reduce individual premiums such as liability, collision or medical payments. So when the math indicates all those discounts means the company will pay you, companies wouldn’t make money that way. But all discounts should help lower your policy premium.

To find insurers with discount rates, click here to view.

Tailor your insurance coverage to you

When buying the right insurance coverage, there isn’t really a single plan that fits everyone. Each situation is unique so this has to be addressed. For instance, these questions may help you determine if your insurance needs might need an agent’s assistance.

• Can my teen driver be rated on a liability-only vehicle?
• Do I need replacement cost coverage on my 2010 Volkswagen Routan?
• Will my rates increase for filing one claim?
• Does liability extend to a camper or trailer?
• Do I have coverage if my license is suspended?
• Is my 2010 Volkswagen Routan covered for flood damage?
• When should I buy a commercial auto policy?
• Can I still get insurance after a DUI?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form or click here for a list of insurance companies in your area.

Coverages available on your policy

Knowing the specifics of your policy helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages available from insurance companies.

Comprehensive insurance – This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hitting a deer, damage from getting keyed, a broken windshield, theft and hitting a bird. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Volkswagen Routan.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision coverages – Collision coverage will pay to fix damage to your Routan resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like colliding with a tree, hitting a mailbox, damaging your car on a curb and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Liability insurance – This coverage provides protection from damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU against other people’s claims, and doesn’t 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. Your policy might show liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things like pain and suffering, repair bills for other people’s vehicles, structural damage and medical expenses. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like ambulance fees, dental work, doctor visits, rehabilitation expenses and funeral costs. They can be used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Save for a rainy day

We just covered many ways to shop for 2010 Volkswagen Routan insurance online. The key concept to understand is the more rate quotes you have, the better your comparison will be. You may even find the lowest rates come from a small mutual company. Smaller companies may have significantly lower auto insurance rates on certain market segments than the large multi-state companies such as State Farm, Geico and Nationwide.

Discount 2010 Volkswagen Routan insurance is available on the web and from local insurance agents, and you need to price shop both to get a complete price analysis. Some insurance providers do not provide online quoting and most of the time these regional insurance providers work with independent agents.

More articles

• What to do at the Scene of an Accident (Insurance Information Insitute)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• What Does No-Fault Insurance Cover? (Allstate)
• Car Insurance FAQ (Trusted Choice)
• Shopping for a Safe Car (Insurance Information Insitute)