Finding better insurance prices for your Volkswagen Routan can normally be an all-consuming task, but you can follow our auto insurance buying tips to find lower rates. There is a right way and a wrong way to find auto insurance online and we’ll show you the absolute fastest way to get price quotes for your Volkswagen and find the cheapest rates.
Consumers need to compare rates every six months because prices fluctuate regularly. Just because you found the lowest rates for Routan coverage two years ago there may be better deals available now. Don’t believe everything you read about auto insurance online, so I’m going to show you some great ways to reduce your auto insurance bill.
Pieces of the Volkswagen Routan rate puzzle
It’s important that you understand the different types of things that come into play when calculating the rates you pay for auto insurance. Having a good understanding of what determines base rates empowers consumers to make smart changes that could result in lower auto insurance prices.
- High credit ratings translate to low rates – A driver’s credit rating is a big factor in your rate calculation. Consumers who have high credit ratings tend to be less risk to insure than drivers who have lower ratings. If your credit score can use some improvement, you could save money insuring your Volkswagen Routan by spending a little time repairing your credit.
- Cautious drivers pay less – Only having one speeding ticket can boost insurance rates by as much as thirty percent. Careful drivers receive lower rates than their less careful counterparts. Drivers with dangerous tickets such as reckless driving, hit and run or driving under the influence are required to submit a SR-22 form with the DMV in their state in order to prevent a license revocation.
- Safer occupants lowers premiums – Vehicles with high crash test scores are cheaper to insure. The safest vehicles result in less severe injuries and any reduction in injury severity translates into savings for insurance companies passed on to you as lower rates. If your Volkswagen has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
- Lower rates come with age – Mature drivers are viewed as being more responsible, statistically cause fewer accidents and are safer drivers. Teen drivers tend to be less responsible in a vehicle and because of this, their auto insurance rates are much higher.
- Special features that cut premiums – Owning a car with an alarm system can get you a discount on your auto insurance. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent car theft.
- Rates may be higher depending on your occupation – Occupations such as judges, executives and dentists are shown to have the highest average rates because of high stress and long work days. Other professions such as scientists, historians and retirees pay the least for Routan coverage.
Compare Quotes for Auto Insurance
To find the best auto insurance prices, there are several ways of comparing rate quotes from different insurance companies. The quickest method to find the cheapest Volkswagen Routan insurance rates is simply to get online rate quotes. It is quite easy and can be accomplished in a couple of different ways.
- One of the best ways consumers can analyze rates is an all-inclusive rate comparison click to view form in new window. This form eliminates the need for a different quote for each company. Taking the time to complete one form compares rates from many national carriers. It’s the fastest way to compare.
- A harder way to compare rate quotes requires a visit to the website for each individual company and complete a new quote form. For example, we’ll pretend you want comparison quotes from Liberty Mutual, Safeco and Travelers. To get rate quotes you would need to visit each site to input your insurance information, which is why the first method is quicker.
For a list of links to companies insuring cars in your area, click here.
- The most time-consuming way to get comparison rates is to waste gas driving to different agent offices. Shopping for auto insurance online can eliminate the need for a local agent unless you have a need for the trained guidance only provided by licensed agents. It is possible to get the lowest quotes online and still use a local agent. We’ll cover that shortly.
It’s up to you which method you use, but be sure to compare exactly the same quote information for each price quote. If you enter mixed coverages you will not be able to make a fair comparison for your Volkswagen Routan. Quoting even small variations in coverage limits can mean a large discrepancy in price. Just remember that having more price comparisons helps you find the best rates.
Don’t miss these discounts
Companies that sell car insurance don’t always list every discount in a way that’s easy to find, so we took the time to find some of the best known and the harder-to-find ways to save on auto insurance.
- Sign Early and Save – Some companies give discounts for buying a policy before your current policy expires. It can save you around 10%.
- Multiple Cars – Insuring all your vehicles on one policy may reduce the rate for each vehicle.
- Bundle and Save – When you combine your home and auto insurance with the same insurance company you could get a discount of 10% to 20% off each policy.
- Senior Discount – If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums for Routan coverage.
- Payment Discounts – If you pay your bill all at once rather than paying monthly you could save up to 5%.
- Seat Belt Usage – Requiring all passengers to use their safety belts could save 15% off the personal injury premium cost.
- Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
- Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
Consumers should know that most of the big mark downs will not be given to all coverage premiums. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So when it seems like you can get free auto insurance, it just doesn’t work that way.
To see a list of companies with the best auto insurance discounts, click here to view.
Price shop online but buy from a local agent
Some consumers would rather buy from a local agent and that is OK! One of the great benefits of getting online price quotes is the fact that you can find better rates but also keep your business local.
Once you complete this form (opens in new window), your insurance coverage information is emailed to agents in your area who will return price quotes for your business. There is no reason to drive around since price quotes are sent to your email. It doesn’t get any easier! Get lower rates AND an agent nearby.
Choosing an provider requires more thought than just the premium amount. Here are some questions to ask:
- Which members of your family are coverage by the policy?
- Did they already check your driving record and credit reports?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Do the companies they represent have a solid financial rating?
- Is the agent and/or agency licensed to do business in your state?
Best auto insurance agent
When searching for a good insurance agent, you need to know there are two different agency structures from which to choose. Agencies are categorized either independent or captive.
Captive Agents
This type of agents can only write with one company and examples are AAA, Allstate and State Farm. They are unable to place coverage with different providers so they have no alternatives for high prices. Captive agents are well schooled on their company’s products and that can be a competitive advantage. Consumers often choose to use a captive agent primarily because of loyalty to the company and the convenience of having all coverages with one company.
Independent Insurance Agents
Independent agencies are not required to write business for one company so they can insure your vehicles with lots of companies and potentially find a lower price. To transfer your coverage to a different company, your agent can switch companies without you having to go to a different agency.
When searching for an agent, you should always include price quotes from several independent insurance agents to ensure the widest selection of prices. They often place coverage with smaller regional carriers which may provide better rates.
To view a full list of agencies, visit this page.
Once you have received satisfactory answers to all your questions as well as a affordable price, you’ve probably found an insurance agent that is a good match to insure your vehicles.
Summing up your auto insurance search
In this article, we presented a lot of tips how to reduce Volkswagen Routan insurance prices online. The key concept to understand is the more you quote, the better likelihood of reducing your rate. You may even find the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising.
Affordable Volkswagen Routan insurance can be sourced online and also from your neighborhood agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies may not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.
Consumers leave their current company for a variety of reasons including not issuing a premium refund, delays in responding to claim requests, high rates after DUI convictions or denial of a claim. It doesn’t matter what your reason, choosing a new company is not as hard as you think.
