Compare 2012 Volkswagen Routan Insurance Rates

Searching for cheaper insurance coverage rates for your Volkswagen Routan? Car owners who are new to the process of price shopping car insurance online will find buying the cheapest car insurance is very challenging.

It’s a good idea to check insurance coverage prices before your next renewal since insurance rates change quite often. Just because you had the lowest rate for Routan insurance a few years ago the chances are good that you can find a lower price today. Ignore everything you know about insurance coverage because I’m going to teach you the fastest way to save on insurance coverage.

Verify you’re applying every discount

The cost of insuring your cars can be expensive, but there may be some discounts that could drop your premiums quite a bit. Some discounts apply automatically when you get a quote, but some may not be applied and must be inquired about before you get the savings.

  • Discounts for Good Drivers – Safe drivers can save up to 40% or more on their car insurance quote for Routan insurance than drivers with accident claims.
  • Braking Control Discount – Vehicles that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
  • Accident Waiver – Not a discount per se, but some insurance companies permit an accident without getting socked with a rate hike so long as you are claim-free for a specific time period.
  • Multiple Cars – Buying coverage for multiple cars or trucks on one policy can get a discount for every vehicle.
  • Student Driver Training – Teen drivers should enroll and complete driver’s education as it will make them better drivers and lower rates.
  • College Student Discount – Any of your kids who attend college more than 100 miles from home without a vehicle on campus can receive lower rates.
  • Theft Deterent Discount – Anti-theft and alarm system equipped vehicles help deter theft and will qualify for a discount on a car insurance quote.
  • Buy New and Save – Buying a new car model can save up to 30% because newer vehicles have to meet stringent safety requirements.
  • Discounts for Government Workers – Federal government employees may reduce rates when you quote car insurance for Routan insurance with select insurance companies.
  • Discount for Swiching Early – Some insurance companies provide a discount for switching to them prior to your current policy expiration. The savings is around 10%.

You should keep in mind that some of the credits will not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as medical payments or collision. So even though you would think all the discounts add up to a free policy, nobody gets a free ride.

A few popular companies and the discounts they provide include:

  • State Farm discounts include student away at school, multiple policy, Drive Safe & Save, good driver, good student, and passive restraint.
  • GEICO may offer discounts for good student, membership and employees, emergency military deployment, five-year accident-free, seat belt use, air bags, and anti-theft.
  • Liberty Mutual may have discounts that include newly retired, hybrid vehicle, exclusive group savings, new vehicle discount, teen driver discount, and newly married.
  • The Hartford offers discounts for air bag, bundle, defensive driver, driver training, and anti-theft.
  • MetLife includes discounts for multi-policy, accident-free, claim-free, good driver, defensive driver, good student
  • Progressive policyholders can earn discounts including multi-vehicle, homeowner, continuous coverage, multi-policy, and online quote discount.

If you need lower rates, check with all the companies which credits you are entitled to. Some discounts listed above may not apply to policies everywhere.

Four tips to get more affordable insurance premiums

An important part of buying insurance is that you know some of the factors that help determine the level of your policy premiums. When consumers understand what determines premiums, this allows you to make educated decisions that will entitle you to cheaper rates. Many things are part of the equation when you quote your car insurance policy. Some are pretty understandable such as your driving history, although some other factors are less obvious such as your marital status or your financial responsibility.

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

  • Safer cars are cheaper to insure – Safer cars are cheaper to insure. Vehicles built for safety have better occupant injury protection and lower injury rates means lower claim amounts passed on to you as lower rates.
  • Fewer miles means better prices – Driving a lot of miles every year the more you’ll pay to insure it. A lot of companies calculate rates based upon how you use the vehicle. Autos used primarily for pleasure use receive better premium rates than vehicles that are driven to work every day. An incorrectly rated Routan is just wasting money. Ask your agent if your declarations sheet properly reflects the correct usage for each vehicle, because improper ratings can cost you money.
  • Deter car thieves – Choosing to buy a car with a theft deterrent system can save you some money. Theft prevention devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent auto theft.
  • High credit equals lower costs – Having a good credit score can be an important factor in calculating your insurance coverage rates. People that have good credit tend to be more responsible as compared to drivers with poor credit scores. Therefore, if your credit is low, you could pay less to insure your 2012 Volkswagen Routan by repairing your credit.

When should I discuss my situation with an agent?

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For example, these questions might point out if you might need an agent’s assistance.

  • I have a DUI can I still get coverage?
  • Do I benefit by insuring my home with the same company?
  • When would I need rental car insurance?
  • Does my insurance cover my expensive audio equipment?
  • Do I have any recourse if my insurance company denies a claim?
  • Am I covered if I hit a deer?
  • Am I getting all the discounts available?
  • When would I need additional glass coverage?
  • Is my babysitter covered when using my vehicle?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form.

Insurance coverage advertising gotchas

Well-known insurance coverage companies like 21st Century, Allstate and State Farm seem to constantly run television and radio advertisements. They all make an identical promise that people will save just by switching to them. How is it plausible that every one can claim to save you money? Just pay attention to how they say it.

Insurance providers have specific criteria for the type of customer that earns them the highest profit. For instance, this type of driver should be between the ages of 30 and 45, owns a home, and drives a lower-performance vehicle. Anyone who meets those qualifications will qualify for the lowest premium rates and will most likely save some money.

Potential insureds who do not fit the requirements may be required to pay higher premium rates which translates to the customer buying from a different company. The ad wording is “customers who switch” not “all people who quote” will save that much if they switch. This is how insurance companies can confidently lure you into getting a quote. Because each company has a different risk profile, it’s extremely important to compare price quotes frequently. It is just not possible to predict which insurance companies will have the best premium rates at this point in time.

Insurance coverage considerations

Learning about specific coverages of your policy can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Collision coverages – This covers damage to your Routan resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like backing into a parked car, colliding with another moving vehicle, rolling your car, driving through your garage door and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Uninsured and 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. It can pay for injuries to you and your family and damage to your Volkswagen Routan.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Coverage for medical payments – Med pay and PIP coverage kick in for short-term medical expenses for rehabilitation expenses, X-ray expenses and hospital visits. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Auto liability – Liability coverage provides protection from damages or injuries you inflict on other people or property by causing an accident. It protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things like emergency aid, court costs, repair bills for other people’s vehicles, legal defense fees and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Comprehensive coverages – This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as damage from flooding, hail damage, hitting a bird, theft and hitting a deer. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Summing up your insurance coverage search

Cheaper 2012 Volkswagen Routan insurance can be sourced from both online companies and from local insurance agents, so you need to quote car insurance with both so you have a total pricing picture. Some insurance companies may not offer online rate quotes and these small, regional companies only sell coverage through independent insurance agencies.

We just covered a lot of techniques to reduce 2012 Volkswagen Routan insurance rates online. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may even discover the lowest rates come from a small mutual company.

When buying insurance coverage, never sacrifice coverage to reduce premiums. There have been many situations where someone dropped liability limits or collision coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to purchase plenty of coverage at the best cost, not the least amount of coverage.

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