Cheapest Rates for Volkswagen Routan Insurance in Virginia Beach

Insurance for Volkswagen RoutanSmart shoppers know that insurance companies don’t want you to look for cheaper rates. Drivers who get price quotes annually will, in all likelihood, buy a new policy because there is a significant possibility of finding a policy with better rates. A recent survey found that consumers who compared prices once a year saved as much as $865 a year compared to drivers who never compared rates.

If finding the cheapest price for car insurance in Virginia Beach is your objective, then having some knowledge of how to get price quotes and compare insurance coverage can help you succeed in finding affordable rates.

If saving the most money is your goal, then the best way to get low-cost auto insurance rates in Virginia Beach is to start comparing prices yearly from insurance carriers who sell insurance in Virginia.

Step 1: Spend a few minutes and learn about the coverage provided by your policy and the steps you can take to lower rates. Many rating factors that cause high rates such as multiple speeding tickets and poor credit history can be controlled by making minor changes to your lifestyle. Read the full article for more information to prevent expensive rate increases and find overlooked discounts.

Step 2: Compare prices from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from a single company like GEICO or State Farm, while agents who are independent can provide price quotes for a wide range of insurance providers.

Step 3: Compare the new quotes to your existing policy and determine if there is any savings. If you can save some money and decide to switch, make sure coverage does not lapse between policies.

Step 4: Tell your current company to cancel your existing policy and submit the required down payment along with the signed application for your new coverage. Once the application is submitted, put the new proof of insurance certificate in an easily accessible location in your vehicle.

A key point to remember is that you’ll want to compare similar deductibles and liability limits on every price quote and and to get quotes from as many auto insurance providers as possible. Doing this guarantees the most accurate price comparison and a good representation of prices.

Best companies for Volkswagen Routan insurance

The companies in the list below have been selected to offer price comparisons in Virginia Beach, VA. In order to find the cheapest auto insurance in Virginia Beach, VA, we recommend you click on several of them to get the cheapest price.

Volkswagen Routan detailed coverage information

The rate table shown below outlines detailed analysis of coverage prices for Volkswagen Routan models. Being aware of how auto insurance policy rates are figured can be of help when making smart choices when purchasing an insurance policy.

Volkswagen Routan Insurance Rates in Virginia Beach, VA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Routan S 2WD $140 $218 $248 $14 $74 $694 $58
Routan SE 2WD $156 $264 $248 $14 $74 $756 $63
Routan SEL 2WD $156 $312 $248 $14 $74 $804 $67
Routan SEL Premium 6 Cyl 2WD $174 $312 $248 $14 $74 $822 $69
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Price information does not factor in specific location which can decrease or increase coverage rates noticeably.

Higher deductibles save money

When comparing auto insurance rates, the most common question is how low should you set your deductibles. The following insurance rates may help to conceptualize the costs and benefits when you buy lower versus higher comp and collision deductibles. The first price estimate table uses a $250 physical damage deductible and the second rate table uses a $1,000 deductible.

Volkswagen Routan insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Routan S 2WD $198 $276 $218 $12 $66 $795 $66
Routan SE 2WD $224 $336 $218 $12 $66 $881 $73
Routan SEL 2WD $224 $394 $218 $12 $66 $939 $78
Routan SEL Premium 6 Cyl 2WD $250 $394 $218 $12 $66 $965 $80
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Volkswagen Routan insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Routan S 2WD $122 $174 $218 $12 $66 $592 $49
Routan SE 2WD $138 $210 $218 $12 $66 $644 $54
Routan SEL 2WD $138 $248 $218 $12 $66 $682 $57
Routan SEL Premium 6 Cyl 2WD $154 $248 $218 $12 $66 $698 $58
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Price estimates do not factor in vehicle garaging location which can impact coverage rates significantly.

Based on these figures, using a $250 deductible will cost in the ballpark of $19 more each month or $228 for a full year than selecting the higher $1,000 deductible. Since you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you go more than 39 months between claim filings, you would save more money if you decide on a higher deductible.

The example below illustrates how choosing a deductible and can influence Volkswagen Routan insurance costs for different age categories. The premiums assume a single female driver, full physical damage coverage, and no discounts are taken into consideration.

How accidents and tickets impact rates in Virginia Beach

The example below demonstrates how speeding tickets and accidents impact Volkswagen Routan insurance prices for each age group. The price estimates are based on a married female driver, full physical damage coverage, $100 deductibles, and no discounts are applied.

Gender-based auto insurance rates by age in Virginia Beach

The chart below illustrates the comparison of Volkswagen Routan car insurance costs for male and female drivers. The costs are based on no violations or claims, comprehensive and collision coverage, $500 deductibles, drivers are single, and no discounts are taken into consideration.

Do you need full coverage?

The information below shows the comparison of Volkswagen Routan insurance costs when comparing full coverage to liability only. The prices are based on no driving violations, no at-fault accidents, $100 deductibles, single status, and no discounts are factored in.

When to drop comp and collision

There is no clear-cut formula to exclude physical damage coverage, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than about 10% of replacement cost minus your deductible, then you may want to consider only buying liability coverage.

For example, let’s assume your Volkswagen Routan book value is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $7,000 after paying your deductible. If you are currently paying more than $700 a year for full coverage, the it may be a good time to stop paying for full coverage.

There are some situations where removing full coverage is not recommended. If you still have a lienholder on your title, you have to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not opt for liability only.

Lower rates by qualifying for these nine discounts

Insurance is neither fun to buy or cheap, but you might be missing out on some discounts that many people don’t even know exist. Some trigger automatically when you quote, but less common discounts must be specially asked for in order for you to get them.

While discounts sound great, it’s important to understand that some credits don’t apply to all coverage premiums. Most only apply to specific coverage prices like physical damage coverage or medical payments. Even though the math looks like you could get a free insurance policy, you’re out of luck.

The chart below illustrates the difference between Volkswagen Routan insurance prices with and without some available policy discounts. The price estimates are based on a male driver, no tickets, no at-fault accidents, Virginia state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, safe-driver, homeowner, multi-car, and claim-free discounts applied.

A list of companies and a partial list of their discounts are:

Double check with all the companies to give you their best rates. Some of the discounts discussed earlier may not apply in every state.

Which is the best auto insurance?

When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s needs are different so this has to be addressed. These are some specific questions might help in determining if your situation may require specific advice.

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Auto insurance agents are trained to help

Certain consumers just want to talk to an insurance agent. A nice benefit of price shopping on the web is that you can find lower rates but also keep your business local. Buying from and supporting small agencies is still important in Virginia Beach.

Insurance agency in Virginia BeachTo find an agent, once you fill out this quick form, your insurance data is transmitted to local insurance agents who want to provide quotes for your insurance coverage. You won’t need to search for an agent because prices are sent immediately to your email address. It’s the lowest rates and work with a local agent. If you have a need to quote rates from a specific company, feel free to go to their quote page and complete a quote there.

Insurance agent types

If you are wanting to purchase car insurance from a reliable insurance agency, you must know there are a couple different types of agencies and how they differ in how they can insure your vehicles. Car insurance policy providers are categorized either exclusive or independent agents depending on their company appointments.

Independent Car Insurance Agencies

Independent agencies do not write with just one company so they can write business through many different car insurance companies and find you the best rates. If your agent finds better pricing, your agent can just switch to a different company and you can keep the same agent. When comparing rates, we recommend you get some free quotes from a couple of independent agencies to have the most options to choose from. A lot of them also have access to less well-known companies which can save you money.

Below are Virginia Beach independent insurance agents that may be able to give you free rate quotes.

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Exclusive Car Insurance Agents

Exclusive agents can only write with one company such as American Family, State Farm, and Allstate. These agents are unable to shop your coverage around so if the price isn’t competitive there isn’t much they can do. Exclusive agents are highly trained on their company’s products which can be an advantage. Consumers sometimes choose to use an exclusive agent mainly due to the prominence of the brand and the convenience of having a single billing for all their coverages.

Shown below are Virginia Beach exclusive agencies who can help you get comparison quotes.

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Finding the right insurance agent should depend on more than just a cheap price quote. Here are some questions you might want to ask.

If you feel you receive positive feedback to your questions and low cost Volkswagen Routan insurance quotes, you may have just found an auto insurance agent that can be trusted to adequately provide car insurance. Just keep in mind you are entitled to cancel a policy when you choose so never assume that you are obligated to any specific agency for a certain time period.

Car insurance 101

Understanding the coverages of your policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Shown next are the normal coverages offered by insurance companies.

Uninsured and underinsured coverage

This provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Volkswagen Routan.

Due to the fact that many Virginia drivers only purchase the least amount of liability that is required (Virginia limits are 25/50/20), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Most of the time these coverages are set the same as your liability limits.

Coverage for collisions

Collision coverage will pay to fix damage to your Routan caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as hitting a parking meter, rolling your car, crashing into a building and hitting a mailbox. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible on your Routan in order to get cheaper collision rates.

Liability car insurance

Liability insurance will cover injuries or damage you cause to a person or their property by causing an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/20 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $20,000 of coverage for damaged property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims such as legal defense fees, medical expenses and medical services. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible. Virginia state minimum liability requirements are 25/50/20 but drivers should carry more liability than the minimum.

The chart below shows why buying minimum limits may not be enough coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for bills like hospital visits, funeral costs and surgery. They can be utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Comprehensive coverages

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like hitting a deer, hail damage, damage from a tornado or hurricane and vandalism. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Cheap insurance premiums are out there

As you prepare to switch companies, never reduce coverage to reduce premium. There are too many instances where drivers have reduced liability coverage limits only to regret they didn’t purchase enough coverage. The goal is to buy enough coverage for the lowest cost, but do not sacrifice coverage to save money.

You just read many ways to find lower-cost Volkswagen Routan insurance in Virginia Beach. The most important thing to understand is the more you quote Virginia Beach auto insurance, the better your comparison will be. You may even be surprised to find that the biggest savings come from some of the smallest insurance companies. These companies can often provide lower premium rates in certain areas compared to the large companies like Allstate, GEICO and Progressive.

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