View 2010 Volkswagen Routan Car Insurance Cost

Are you irritated from not being able to scrape enough together to pay high insurance rates every month? You have the same problem as many other drivers. Due to the abundance of companies to choose from, it is hard for the average consumer to choose the lowest cost company.

Decisions you make can impact your insurance costs

Multiple criteria are part of the calculation when you get a price on insurance. Most are fairly basic like a motor vehicle report, but some are not quite as obvious such as your credit history or your financial responsibility.

The factors shown below are most of the major factors companies use to determine your rates.

  • Premiums are affected by your address – Residing in a small town can be a good thing when it comes to car insurance. Urban drivers have more road rage incidents and much longer commute distances. Fewer drivers and short commutes translates into fewer accident claims in addition to lower liability claims
  • Bad credit hurts insurance premiums – Your credit score will be a significant factor in determining premium rates. Therefore, if your credit score is low, you could save money insuring your 2010 Volkswagen Routan by improving your credit score. Drivers who have excellent credit tend to file fewer claims than drivers who have lower credit scores.
  • Avoid car insurance policy lapses – Driving any period of time without insurance is illegal and you will pay a penalty because you let your insurance coverage expire. In addition to paying higher premiums, failure to provide proof of insurance will get you a hefty fine and possibly a revoked license.
  • See if your company offers a multi-policy discount – Some insurance companies provide lower prices to people that have more than one policy, otherwise known as a multi-policy discount. Discounts can be ten or even fifteen percent. Even if you already get this discount, it’s still a good idea to comparison shop to guarantee you are still saving the most. You may still find better rates by buying insurance from more than one company.
  • Avoid unnecessary extra coverages – There are quite a few add-on coverages you can purchase on your car insurance policy. Coverage for things like rental car coverage, high-cost glass coverage, and extra life insurance coverage may not be needed and are just wasting money. These may sound like a good investment when you first buy your policy, but now you might not need them so consider taking them off your policy.
  • Cheaper rates with high deductibles – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your vehicle. Some coverage claims would be a dented fender, flood damage, and rolling your vehicle. Physical damage deductibles are how much you are required to spend if the claim is covered. The more of the claim you choose to pay out-of-pocket, the bigger discount you will receive for Routan coverage.
  • Your occupation may affect prices – Do you have a high-stress occupation? Jobs like real estate brokersair traffic controllers and financial analysts usually pay higher average rates due to intense work situations and lengthy work days. On the other hand, occupations like professors, athletes and performers get better rates for Routan coverage.

Free insurance quotes

Shopping for lower insurance rates can be a daunting task if you aren’t aware of the most efficient way to do it. You can waste a few hours (or days) discussing policy coverages with agents in your area, or you can stay home and use online quoting to accomplish the same thing much quicker.

Many companies participate in a marketplace where insurance shoppers send in one quote, and at least one company returns a competitive quote based on the submitted data. This eliminates the need for quote forms for each company. To get comparison pricing now click here to start a free quote.

The only drawback to doing it this way is you are unable to specify which providers you want to price. So if you prefer to choose specific providers to receive pricing from, we have a page of companies who write insurance in your area. Click to view list.

Compare rates however you want, just double check that you are using the same coverages on every quote you get. If you enter different data you can’t possibly make an equal comparison.

Double check you’re getting with these discounts

The cost of insuring your cars can be expensive, but you may qualify for discounts that many consumers don’t even know exist. Many of these discounts will be applied automatically at the time you complete a quote, but occassionally some discounts must be asked for before you will receive the discount. If you’re not getting every credit possible, you could be getting lower rates.

  • Resident Student – Kids who live away from home to go to college and do not have access to a covered vehicle may qualify for this discount.
  • Passive Restraints and Air Bags – Options like air bags or motorized seat belts could see savings up to 30%.
  • Discount for Home Ownership – Owning a home can get you a discount because of the fact that having a home shows financial diligence.
  • Theft Prevention System – Vehicles with anti-theft systems are less likely to be stolen and can earn a small discount on your policy.
  • Student Discount for Driver Training – Cut your cost by having your teen driver sucessfully take a drivers education course if offered at their school.
  • Onboard Data Collection – Insureds that choose to allow data collection to track vehicle usage by using a telematics device in their vehicle such as State Farm’s In-Drive could save a few bucks if they show good driving skills.
  • Mature Driver Discount – Older drivers may receive lower premium rates for Routan coverage.
  • Anti-lock Brake System – Cars, trucks, and SUVs with ABS braking systems or traction control are safer to drive so you can save 10 percent or more.
  • Early Signing – Select larger companies give a discount for switching companies prior to your current policy expiring. You could save around 10% when you buy auto insurance online.
  • New Car Discount – Insuring a vehicle that is new can get you a discount because newer vehicles keep occupants safer.

One thing to note about discounts is that some of the credits will not apply to the entire cost. Some only reduce the price of certain insurance coverages like comp or med pay. So when the math indicates adding up those discounts means a free policy, it just doesn’t work that way.

A list of insurance coverage companies and some of their more popular discounts include:

  • Progressive offers premium reductions for continuous coverage, good student, online quote discount, online signing, multi-policy, and multi-vehicle.
  • MetLife may offer discounts for accident-free, good driver, good student, claim-free, multi-policy, and defensive driver.
  • Mercury Insurance policyholders can earn discounts including multi-car, low natural disaster claims, type of vehicle, professional/association, accident-free, and age of vehicle.
  • Nationwide includes discounts for accident-free, easy pay, good student, Farm Bureau membership, business or organization, multi-policy, and family plan.
  • Geico offers discounts for five-year accident-free, emergency military deployment, anti-lock brakes, seat belt use, anti-theft, and membership and employees.
  • AAA has savings for multi-car, education and occupation, AAA membership discount, multi-policy, pay-in-full, good student, and anti-theft.

If you want cheap auto insurance quotes, ask all companies you are considering which discounts you may be entitled to. Some discounts listed above might not apply in your state. If you would like to choose from a list of insurance companies that can offer you the previously mentioned discounts, click this link.

Your situation helps dictate your coverage

When it comes to choosing the best insurance coverage, there really is not a perfect coverage plan. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine whether your personal situation would benefit from an agent’s advice.

  • Are all vehicle passengers covered by medical payments coverage?
  • When should I buy a commercial auto policy?
  • Does insurance cover tools stolen from my truck?
  • When does my teenage driver need to be added to my policy?
  • Can I afford to pay high deductible claims out of pocket?
  • Should I drop comprehensive coverage on older vehicles?
  • What is medical payments coverage?
  • How much liability insurance is required?
  • Does car insurance cover theft of personal property?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Insurance policy specifics

Knowing the specifics of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. Below you’ll find the usual coverages available from insurance companies.

Liability coverage

This coverage will cover injuries or damage you cause to a person or their property that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000. Some companies may use a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for things like attorney fees, court costs and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

Coverage for collisions

This coverage will pay to fix damage to your Routan resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like scraping a guard rail, sideswiping another vehicle, driving through your garage door, colliding with another moving vehicle and colliding with a tree. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, fire damage, a broken windshield, a tree branch falling on your vehicle and damage from flooding. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical expense coverage

Med pay and PIP coverage reimburse you for short-term medical expenses such as ambulance fees, doctor visits, rehabilitation expenses and nursing services. They are utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your Volkswagen Routan.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Quote often and quote early

Cost effective 2010 Volkswagen Routan insurance is definitely available both online and also from your neighborhood agents, and you need to price shop both to get a complete price analysis. Some insurance companies do not offer rate quotes online and usually these regional carriers only sell through independent insurance agents.

As you quote auto insurance, don’t be tempted to buy less coverage just to save a little money. Too many times, consumers will sacrifice comprehensive coverage or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy a smart amount of coverage at the lowest possible cost but still have enough coverage for asset protection.

More detailed insurance information can be found by following these links: