Car Insurance Rate Quotes for a Volkswagen Routan in Plano

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Insurance for Volkswagen RoutanIf you're new to shopping for Plano auto insurance quotes online, you may be bewildered because of the huge number local agents and online companies offering coverage in Plano.

Steps to buying discount Volkswagen Routan insurance in Plano

If saving money is your primary concern, then the best way to find cheaper Volkswagen Routan insurance is to make a habit of regularly comparing prices from insurers in Plano. This can be done by following these steps.

  1. Spend a few minutes and learn about the coverage provided by your policy and the things you can change to prevent expensive coverage. Many rating factors that cause high rates such as at-fault accidents, speeding tickets, and a lousy credit rating can be eliminated by making minor driving habit or lifestyle changes.
  2. Compare rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from one company like Progressive and State Farm, while agents who are independent can give you price quotes for many different companies.
  3. Compare the new rate quotes to your existing coverage to see if switching to a new carrier will save money. If you can save some money, verify that coverage does not lapse between policies.
  4. Provide notification to your current agent or company of your intent to cancel the current policy and submit a down payment and signed policy application for your new coverage. Make sure you store the certificate verifying coverage in your vehicle's glove compartment or console.

An important note is to make sure you enter the same deductibles and limits on every quote request and and to compare as many carriers as you can. Doing this enables an apples-to-apples comparison and a thorough price selection.

Shocking but true, over 70% of drivers have remained with the same insurance company for a minimum of four years, and approximately 40% of consumers have never even compared rates from other companies. Many consumers in Texas could save themselves almost 70% a year, but most tend to underestimate how much savings they would realize if they switched to a cheaper policy.

It's smart to compare premium rates before your policy renews since insurance prices trend upward over time. Even if you got the lowest rate on Volkswagen Routan insurance in Plano last year you may be paying too much now. Ignore everything you know about insurance because it's time to teach you the tricks you need to know to find lower rates on insurance.

Volkswagen Routan insurance rates and statistics

The rate table shown next covers detailed analysis of coverage costs for Volkswagen Routan models. Being aware of how car insurance premiums are figured can help you make decisions when shopping your coverage around.

Volkswagen Routan Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Routan S 2WD $298 $448 $334 $20 $100 $1,200 $100
Routan SE 2WD $336 $544 $334 $20 $100 $1,334 $111
Routan SEL 2WD $336 $642 $334 $20 $100 $1,432 $119
Routan SEL Premium 6 Cyl 2WD $376 $642 $334 $20 $100 $1,472 $123
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Estimates do not factor in garaging location in Plano which can influence premiums significantly.

Comparison of policy deductibles

When comparing car insurance rates, the most common question is which deductibles should you choose. The data tables below can help you visualize the rate differences of buying low and high policy deductibles. The first data set uses a $100 deductible for physical damage and the second price chart uses a $500 deductible.

Volkswagen Routan insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Routan S 2WD $328 $486 $324 $20 $96 $1,279 $107
Routan SE 2WD $370 $592 $324 $20 $96 $1,427 $119
Routan SEL 2WD $370 $698 $324 $20 $96 $1,533 $128
Routan SEL Premium 6 Cyl 2WD $412 $698 $324 $20 $96 $1,575 $131
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Volkswagen Routan insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Routan S 2WD $240 $328 $324 $20 $96 $1,008 $84
Routan SE 2WD $270 $400 $324 $20 $96 $1,110 $93
Routan SEL 2WD $270 $472 $324 $20 $96 $1,182 $99
Routan SEL Premium 6 Cyl 2WD $300 $472 $324 $20 $96 $1,212 $101
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Rate quotes do not factor in vehicle location which can influence prices noticeably.

Based on these figures, using a $100 deductible costs about $27 more each month or $324 each year than buying the higher $500 deductible. Since you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you have at least 15 months between claims, you would more than likely save some money if you decide on a higher deductible.

How to calculate if a higher deductible is a good decision

Average monthly premium for $100 deductibles: $121
Average monthly premium for $500 deductibles (subtract): - $94
Monthly savings from raising deductible: $27
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $27
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

An important thing to remember is that increasing deductibles to lower your rates means you will have to pay more out-of-pocket when you have a comprehensive or collision claim. You need some money saved in the event you need to pay the deductible to have repairs made.

Rate comparison of males versus females in Plano

The chart below shows the difference between Volkswagen Routan car insurance rates for male and female drivers. The premiums are based on no violations or claims, comp and collision included, $250 deductibles, drivers are single, and no discounts are applied to the premium.

Cost of full coverage

The diagram below illustrates the difference between Volkswagen Routan car insurance rates with full physical damage coverage and with liability coverage only. Data assumes no violations or claims, $500 deductibles, marital status is single, and no discounts are factored in.

When to buy liability coverage only

There is no clear-cut rule that is best for determining when to drop physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is more than about 10% of the settlement you would receive from your company, then it's probably a good time to buy liability coverage only.

For example, let's assume your Volkswagen Routan book value is $6,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would receive is $5,000 after the deductible is paid. If it's costing you more than $500 annually for your policy with full coverage, then it might be time to consider dropping full coverage.

There are a few cases where buying only liability insurance is not a good idea. If you still owe a portion of the original loan, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should keep full coverage in place.

Volkswagen Routan Insurance Cost Factors

One of the most helpful ways to save on insurance is to to have a grasp of the rating factors that are used to determine your premiums. When consumers understand what determines base rates, this empowers consumers to make smart changes that may result in lower rates.

The following are some of the major factors that factor into your prices.

  • Qualify for multi-policy discounts - Most major companies apply a discount to insureds who carry more than one policy. It's known as a multi-policy discount. Even though this discount sounds good, it's always a smart idea to comparison shop to verify if the discount is saving money.There is a chance you can find lower rates by buying insurance from more than one company.
  • Too many claims will drive prices up - If you file claims often, you should expect increased rates or even have your policy non-renewed. Car insurance companies in Texas give most affordable rates to people who only file infrequent claims. Insurance coverage is intended for the bigger claims that can't be paid out-of-pocket.
  • Safety ratings are a factor - Cars with high safety ratings tend to be cheaper to insure. Safe vehicles protect occupants better and fewer injuries translates into fewer and smaller insurance claims and lower rates for you. If your Volkswagen Routan is rated at a minimum four stars on Safercar.gov you are probably receiving a discount.
  • Youthful drivers are expensive to insure - More mature drivers are more responsible, statistically cause fewer accidents, and are generally more financially stable. Young drivers tend to be less responsible when at the wheel of a vehicle so they pay higher insurance rates.

    The following data uses these variables: single driver, full coverage with $500 deductibles, and no discounts or violations.

  • City dwellers may pay more - Having an address in a small town is a good thing when talking about insurance. People in densely populated areas regularly have traffic congestion and more time behind the wheel. Fewer drivers on the road means less chance of accidents in addition to lower liability claims.
  • Policy add-ons may not be needed - There are quite a few additional coverages that you can get tricked into buying when buying insurance. Insurance for vanishing deductibles, death and dismemberment, and term life insurance could be just wasting money. These coverages may sound good at first, but if they're wasting money eliminate them to save money.
  • Responsible credit scores equal low costs - Credit score is a big factor in your rate calculation. Consumers who have very good credit scores tend to be better drivers and file fewer claims than drivers with lower credit scores. If your credit score is lower than you'd like, you could save money insuring your Volkswagen Routan by taking the time to improve your credit score.
  • Liability coverage - Liability coverage kicks in in the event that you are determined to be liable for causing personal injury or damage in an accident. Your liability coverage provides legal defense coverage to attempt to prove you were not liable. This coverage is relatively inexpensive compared to comp and collision, so insureds should have plenty of protection for their assets.

Best auto insurance company in Plano

Finding the highest-rated insurance provider can be a challenge considering how many companies sell insurance in Texas. The information listed below may help you select which providers you want to consider when shopping your coverage around.

Top 10 Plano Car Insurance Companies Overall

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

Top 10 Plano Car Insurance Companies by A.M. Best Rank

  1. Travelers - A++
  2. USAA - A++
  3. GEICO - A++
  4. State Farm - A++
  5. Titan Insurance - A+
  6. Esurance - A+
  7. Progressive - A+
  8. The Hartford - A+
  9. Allstate - A+
  10. Nationwide - A+

Be persistent and save

We covered a lot of information how to lower your Volkswagen Routan insurance rates in Plano. It's most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. You may even discover the lowest priced car insurance comes from the least-expected company.

The cheapest Volkswagen Routan insurance in Plano can be found from both online companies in addition to many Plano insurance agents, so you should compare both in order to have the best price selection to choose from. There are still a few companies who do not provide rates over the internet and usually these small, regional companies work with independent insurance agents.

People change insurance companies for any number of reasons including denial of a claim, policy cancellation, policy non-renewal or even not issuing a premium refund. It doesn't matter what your reason, finding a new car insurance company is not as difficult as it may seem.

Steps to finding more affordable Volkswagen Routan insurance in Plano

It takes a few minutes, but the best way to find cheaper prices for Volkswagen Routan insurance is to regularly compare quotes from different companies in Plano. Rates can be compared by following these guidelines.

  1. Take a little time to learn about coverages and the measures you can control to keep rates low. Many risk factors that are responsible for high rates such as at-fault accidents, speeding tickets, and a substandard credit history can be amended by making lifestyle changes or driving safer.
  2. Compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only quote rates from a single company like GEICO or Farmers Insurance, while agents who are independent can quote rates for a wide range of insurance providers.
  3. Compare the new quotes to your existing policy and see if you can save money. If you find a lower rate quote and switch companies, ensure there is no coverage lapse between policies.
  4. Notify your current company of your decision to cancel your current coverage and submit any necessary down payment along with the completed application to the new company. As soon as you can, safely store the certificate of insurance along with the vehicle's registration papers.

The critical component of shopping around is that you'll want to compare similar deductibles and liability limits on each quote and and to compare every insurance company. Doing this ensures a level playing field and a complete price analysis.

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