2012 Volkswagen Routan Insurance Quotes

Trying to find low-cost insurance for a new or used Volkswagen Routan can be a lot of work, but you can learn these tips and make it easy. There are more efficient ways to shop for insurance and you need to know the absolute fastest way to compare rates for a Volkswagen and locate the lowest price from both online companies and local agents.

Discounts to earn cheaper insurance coverage rates

Some insurance providers don’t list all possible discounts in a way that’s easy to find, so the list below gives a summary of a few of the more common and also the lesser-known credits available to bring down your rates. If you aren’t receiving every discount you deserve, you could be getting lower rates.

• Auto/Life Discount – Select insurance carriers reward you with a lower price if you buy life insurance.
• Student Driver Training – Cut your cost by having your teen driver enroll in driver’s education as it can save substantially.
• Policy Bundle Discount – If you can bundle your home and auto insurance with one insurance company you may earn up to 20% and get you the cheapest car insurance.
• Drive Less and Save – Low annual miles may allow you to get discounted prices on garaged vehicles.
• Active Military Service – Being deployed with a military unit may qualify for rate reductions.
• Payment Method – If paying your policy premium upfront instead of making monthly payments you can avoid monthly service charges.
• 55 and Retired – Drivers that qualify as senior citizens may be able to get better insurance coverage rates on Routan coverage.
• No Accidents – Good drivers with no accidents have much lower rates when compared to policyholders that have many claims.

As a footnote on discounts, most discount credits are not given to the entire policy premium. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates all the discounts add up to a free policy, it doesn’t quite work that way.

Companies and their offered discounts are outlined below.

• American Family discounts include good student, bundled insurance, TimeAway discount, accident-free, mySafetyValet, multi-vehicle, and early bird.
• Nationwide offers premium reductions for defensive driving, easy pay, anti-theft, Farm Bureau membership, good student, and business or organization.
• MetLife offers discounts including accident-free, defensive driver, good driver, good student, claim-free, multi-policy
• 21st Century may have discounts that include 55 and older, driver training, defensive driver, good student, homeowners, air bags, and anti-lock brakes.
• Farmers Insurance has savings for switch companies, distant student, business and professional, early shopping, alternative fuel, pay in full, and bundle discounts.
• Allstate policyholders can earn discounts including premier discount, anti-theft, passive restraint, economy car, EZ pay plan discount, eSmart discount, and 55 and retired.

If you need lower rates, check with each company or agent to give you their best rates. Depending on the company, some discounts may not apply to policies in your area.

Learn how to lower your insurance premiums

Multiple criteria are used when quoting car insurance. Some factors are common sense such as traffic violations, but other criteria are not quite as obvious like your vehicle usage or your financial responsibility.An important part of buying insurance is that you know the factors that come into play when calculating the price you pay for insurance. When you understand what determines base rates, this helps enable you to make changes that may reward you with lower rates.

The itemized list below are most of the major factors used by insurance companies to determine prices.

• Males tend to take more risk – Over the last 50 years, statistics have shown that women are safer drivers than men. Now that doesn’t mean males are worse at driving than females. Both sexes cause accidents at about the same rate, but the male of the species cause more damage. Not only are claims higher, but men get higher numbers of serious violations such as DWI and reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and thus pay the highest rates.
• No policy lapses saves money – Driving without insurance coverage in place is not a good idea and as a result your rates will increase for letting your insurance expire. Not only will rates go up, not being able to provide proof of insurance might get you fines or a revoked license. You may then have to submit proof of financial responsibility or a SR-22 with your state DMV.
• Do you really need roadside assistance? – There are quite a few optional add-on coverages that can waste your money on your insurance policy. Coverages like vanishing deductibles, high-cost glass coverage, and membership fees may not be needed and are just wasting money. These coverages may sound good when deciding what coverages you need, but if you don’t need them remove them from your policy.
• Better credit means lower rates – Your credit history can be an important factor in determining what you pay. Insureds that have high credit ratings tend to file fewer claims as compared to drivers with lower credit ratings. If your credit can use some improvement, you could pay less to insure your 2012 Volkswagen Routan by spending a little time repairing your credit.
• Age of drivers impacts costs – Teenage drivers are statistically proven to be more careless behind the wheel so they pay higher insurance rates. Older insureds are more responsible, statistically cause fewer accidents and tend to be get fewer driving tickets.
• Single vs. married – Your spouse may cut your premiums when buying insurance. Marriage demonstrates that you tend to be more financially stable and it’s statistically proven that married couples file fewer claims.
• Your vocation can affect rates – Jobs like real estate brokerspolice officers and accountants are shown to have higher rates than average attributed to high stress and long work days. Other careers such as professors, engineers and performers have the lowest average rates on Routan coverage.

Tailor your auto insurance coverage to you

When choosing proper insurance coverage, there really is no best way to insure your cars. Every insured’s situation is different.

Here are some questions about coverages that can help discover whether or not you might need an agent’s assistance.

• Should I put collision coverage on all my vehicles?
• Are rental cars covered under my policy?
• Should I waive the damage coverage when renting a car?
• Why am I required to buy high-risk coverage?
• Are my friends covered when driving my car?
• Can my babysitter drive my car?

If you can’t answer these questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Is there deception in advertising?

Consumers can’t get away from ads for car insurance savings by companies like Progressive, Geico, Allstate and State Farm. They all tend to make the same promise about savings if you get a free car insurance quote and switch your policy.

That’s great but how can every company give you a lower rate? This is the way they can do it.

Insurance companies require specific criteria for the driver that earns them the most money. An example of a desirable risk might have to be married and over the age of 30, carries high limits, and has a high credit rating. Any new insured that hits that “sweet spot” may get the lowest premium rates and as a result will probably save when they switch companies.

Insureds who don’t measure up to these stringent criteria will be quoted higher rates which translates to the customer buying from someone else. The ads state “drivers that switch” not “everybody who quotes” can get the lowest rates when switching. That’s the way companies can truthfully make it sound like they have such great premium rates. This emphasizes why drivers should get car insurance quotes as often as possible. It is impossible to predict which company will have the lowest rate quotes.

Insurance coverage basics

Learning about specific coverages of insurance aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Coverage for liability

This protects you from injuries or damage you cause to a person or their property that is your fault. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things like attorney fees, court costs, repair costs for stationary objects and emergency aid. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Volkswagen Routan.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive coverage (or Other than Collision)

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

Comprehensive insurance covers things such as damage from flooding, falling objects and hitting a bird. The maximum payout a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for immediate expenses for X-ray expenses, pain medications, rehabilitation expenses, EMT expenses and nursing services. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision protection

This coverage covers damage to your Routan from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as crashing into a ditch, rolling your car, hitting a parking meter and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Have the Midas touch

When searching for cheaper car insurance quotes, it’s a bad idea to buy poor coverage just to save money. There are a lot of situations where an insured cut uninsured motorist or liability limits only to regret at claim time that it was a big error on their part. Your objective should be to buy the best coverage you can find for the lowest price while not skimping on critical coverages.

Lower-priced car insurance is definitely available both online in addition to local insurance agencies, so you need to shop car insurance with both to have the best chance of lowering rates. There are still a few companies who do not provide online rate quotes and most of the time these smaller providers only sell coverage through independent insurance agents.

Consumers switch companies for any number of reasons including policy cancellation, an unsatisfactory settlement offer, being labeled a high risk driver and policy non-renewal. Whatever your reason, finding the right car insurance provider is actually quite simple.

Even more information is available in these articles:

• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Distracted Driving (Insurance Information Insitute)
• Auto Theft Statistics (Insurance Information Insitute)
• Child Safety Seats (Insurance Information Insitute)
• Airbag FAQ (iihs.org)