2010 Volkswagen Routan Insurance Rates

Average insurance rates for a 2010 Volkswagen Routan are $1,036 a year for full coverage insurance. Comprehensive insurance costs on average $210, collision costs $288, and liability costs $402. Buying a liability-only policy costs as little as $446 a year, with high-risk insurance costing $2,226 or more. Teen drivers receive the highest rates at $3,982 a year or more.

Annual premium for full coverage: $1,036

Rate estimates for 2010 Volkswagen Routan Insurance

Rate data is compiled from all 50 U.S. states and averaged for all 2010 Volkswagen Routan models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

View Chart as Image

These differences illustrate why everyone should compare rates based on a specific location and risk profile, instead of using price averages.

Use the form below to get rates for your location.

Are you overwhelmed by the crazy number of insurance company choices? Many other drivers are as well. Consumers have so many options available that it can be a ton of work to compare prices.

Smart consumers take time to price shop coverage before your policy renews since rates trend upward over time. Just because you had the lowest price for Routan insurance on your last policy other companies may now be cheaper. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to the quickest way to find better coverage at a better price.

Buying the best protection is quite easy. Essentially every driver who shops for insurance will be able to cut their insurance bill. Nevertheless, car owners need to learn the methods companies use to price online insurance because it can help you find the best coverage.

These ten discounts can lower your rates

Car insurance can cost a lot, buy you may qualify for discounts that many people don’t even know exist. Certain discounts will be applied at the time you complete a quote, but a few need to be requested specifically in order for you to get them.

• Resident Student – Youth drivers living away from home attending college and do not have a car may qualify for this discount.
• Multiple Vehicles – Insuring multiple vehicles on one policy may reduce the rate for each vehicle.
• Club Memberships – Affiliation with a civic or occupational organization could qualify you for a break on your policy for Routan insurance.
• Anti-theft System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
• Passive Restraints and Air Bags – Factory air bags or automatic seat belts can get savings of more than 20%.
• Anti-lock Brake Discount – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
• Safety Course Discount – Successfully completing a defensive driving course could cut 5% off your bill depending on where you live.
• Seat Belt Usage – Requiring all passengers to wear their seat belts could cut 10% or more off your PIP or medical payments premium.
• Discount for Life Insurance – Companies who offer life insurance give lower rates if you buy auto and life insurance together.
• Own a Home – Owning a home may trigger a insurance policy discount because owning a home demonstrates responsibility.

It’s important to note that most credits do not apply to the entire cost. Most only reduce the price of certain insurance coverages like comprehensive or collision. So when it seems like you could get a free insurance policy, companies wouldn’t make money that way. But all discounts will help reduce the amount you have to pay.

For a list of companies with the best insurance discounts, click here to view.

Different people need different coverages

When choosing adequate coverage, there is no cookie cutter policy. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might help in determining if your situation might need professional guidance.

• When can my company non-renew my policy?
• Do I have coverage when pulling a U-Haul trailer?
• Am I covered if I wreck a rental car?
• Can my teen driver be rated on a liability-only vehicle?
• How can I force my company to pay a claim?
• Do I have any recourse if my insurance company denies a claim?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Save $397 a year? Really?

Companies like Progressive, GEICO, Allstate and State Farm regularly use ads on television and other media. All the ads make an identical promise that you’ll save big if you move to their company. How does each company claim to save you money?

All companies can use profiling for the right customer that is profitable for them. For instance, a driver they prefer might be profiled as over the age of 40, has no prior claims, and drives less than 10,000 miles a year. Any driver who meets those qualifications is entitled to the best price and is almost guaranteed to cut their rates substantially.

Potential customers who don’t meet these standards must pay higher premiums which usually ends up with business going elsewhere. The ads state “customers who switch” not “everybody who quotes” save that kind of money. This is how insurance companies can make those claims.

This illustrates why drivers must compare as many rates as you can. It is impossible to predict the company that will have the lowest Volkswagen Routan insurance rates.

Car insurance coverages explained

Knowing the specifics of a car insurance policy helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring.

Liability coverage – Liability insurance provides protection from injuries or damage you cause to other people or property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as structural damage, loss of income, bail bonds and funeral expenses. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Comprehensive coverage (or Other than Collision) – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like a broken windshield, hitting a deer, falling objects, hail damage and damage from getting keyed. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

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

Collision coverage protects against things like hitting a parking meter, crashing into a ditch and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Volkswagen Routan.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these coverages are similar to your liability insurance amounts.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like dental work, doctor visits and hospital visits. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

More comparisons equals lower rates

You just learned many tips how you can save on 2010 Volkswagen Routan insurance. The key concept to understand is the more you quote, the better your chances of lowering your rates. You may even find the best prices are with some of the lesser-known companies.

Drivers who switch companies do it for a number of reasons such as denial of a claim, not issuing a premium refund, policy non-renewal or even delays in responding to claim requests. It doesn’t matter what your reason, choosing a new company is easier than you think.

Affordable insurance is definitely available both online as well as from independent agents, and you need to price shop both to get a complete price analysis. Some insurance companies don’t offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.

To read more, link through to these articles:

• Distracted Driving Statistics (Insurance Information Insitute)
• Top Signs Your Brakes are Giving Out (State Farm)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• Auto Insurance 101 (About.com)