Are you kicking yourself for buying high-priced Volkswagen Routan insurance in San Antonio? Believe me when I say many consumers are feeling buyer's remorse and feel like there's no way out.
Amazingly, a recent NerdWallet.com study showed that the vast majority of car insurance customers in Texas kept their policy with the same company for at least four years, and just under half have never even shopped around for lower-cost coverage. Many consumers in America could pocket almost 46.5% a year just by comparing rates, but most just don't grasp the large savings they would see if they changed companies.
There is such a variety of insurance companies to pick from, and even though it's nice to have a choice, having more insurance companies makes it harder to compare rates for Volkswagen Routan insurance in San Antonio.
It is always a good idea to compare prices at least once a year since prices are constantly changing. Despite the fact that you may have had the best rates on Volkswagen Routan insurance in San Antonio last year the chances are good that you can find a lower premium rate today. Forget anything you know (or think you know) about car insurance because we're going to demonstrate the things you must know in order to reduce your cost while improving coverage.
Quoting the lowest cost protection in San Antonio is not as difficult as people think. In essence, every driver who quotes insurance most likely will find a cheaper policy. But Texas consumers must learn how companies sell insurance online.
The method we recommend to compare car insurance company rates for Volkswagen Routan insurance in San Antonio is to understand almost all companies have advanced systems to compare their rates. The only thing you need to do is provide a little information like whether or not you need a SR-22, how much education you have, which vehicles you own, and distance driven. That rating information is sent automatically to all major companies and you receive quotes within a short period of time.
To find the cheapest Volkswagen Routan insurance rates, click here and find out if lower rates are available in San Antonio.
The following companies are our best choices to provide price quotes in San Antonio, TX. If the list has multiple companies, we suggest you visit several of them to find the cheapest car insurance rates.
Get discounts to get affordable San Antonio insurance quotes
Car insurance companies don't necessarily list every discount available in an easy-to-find place, so the following is a list of some of the more common and the more hidden credits that may apply to you.
- Passive Restraints - Vehicles equipped with air bags can get savings up to 30%.
- Multiple Cars - Having multiple cars or trucks with one company can reduce the rates for all insured vehicles.
- Discounts for Responsible Drivers - Safe drivers can pay as much as 50% less compared to accident prone drivers.
- First Accident Forgiveness - This one isn't a discount, but a handful of insurance companies will turn a blind eye to one accident without raising rates if your claims history is clear for a certain period of time.
- Safety Restraint Discount - Drivers who require all occupants to buckle up could save 15% off the personal injury premium cost.
- Theft Deterrent System - Vehicles optioned with advanced anti-theft systems help deter theft and that can save you a little bit as well.
As a sidenote, many deductions do not apply to the entire policy premium. Most only cut individual premiums such as medical payments or collision. So when it seems like you could get a free insurance policy, that's just not realistic.
The diagram below shows the comparison of Volkswagen Routan insurance premiums with and without discounts being applied to the rates. The rates are based on a female driver, no claims or violations, Texas state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, claim-free, marriage, multi-car, and homeowner discounts applied.
A list of insurance companies and the discounts they provide are outlined below.
- GEICO has discounts for daytime running lights, driver training, anti-lock brakes, emergency military deployment, seat belt use, and air bags.
- MetLife offers discounts including multi-policy, good driver, claim-free, defensive driver, good student, and accident-free.
- State Farm policyholders can earn discounts including accident-free, good driver, safe vehicle, Steer Clear safe driver discount, defensive driving training, passive restraint, and good student.
- Progressive offers discounts for online signing, multi-policy, online quote discount, homeowner, and multi-vehicle.
- Mercury Insurance may include discounts for accident-free, low natural disaster claims, annual mileage, anti-theft, good student, and ease of repair.
- 21st Century may offer discounts for defensive driver, early bird, theft prevention, 55 and older, anti-lock brakes, air bags, and driver training.
- Allstate may have discounts that include good payer, auto/life discount, early signing, new car, premier discount, and anti-theft.
If you are trying to find affordable Volkswagen Routan insurance quotes, ask all the companies to give you their best rates. Discounts might not be offered on policies in your area.
Volkswagen Routan detailed coverage information
The coverage table shown below outlines different prices for Volkswagen Routan models. Having knowledge of how auto insurance prices are determined is important for making smart choices when selecting a policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Routan S 2WD||$254||$400||$340||$20||$102||$1,116||$93|
|Routan SE 2WD||$286||$486||$340||$20||$102||$1,234||$103|
|Routan SEL 2WD||$286||$572||$340||$20||$102||$1,320||$110|
|Routan SEL Premium 6 Cyl 2WD||$318||$572||$340||$20||$102||$1,352||$113|
|Get Your Own Custom Quote Go|
Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Rates do not factor in vehicle location which can influence rates noticeably.
Gender-based car insurance rates in San Antonio
The illustration below compares Volkswagen Routan insurance costs for male and female drivers. The premium estimates are based on no claims, a clean driving record, full physical damage coverage, $100 deductibles, single marital status, and no discounts are factored in.
Cost comparison with and without full coverage
The chart below illustrates the difference between Volkswagen Routan auto insurance rates with full physical damage coverage and with liability coverage only. The rate quotes are based on no tickets, no at-fault accidents, $500 deductibles, drivers are not married, and no additional discounts are factored in.
Deciding between full coverage and liability only
There is no exact formula to drop physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of coverage is 10% or more of the vehicle's replacement cost less your deductible, the it may be a good time to stop paying for full coverage.
For example, let's say your Volkswagen Routan claim settlement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would get paid by your company is $2,000 after paying the physical damage deductible. If premiums are more than $200 a year for full coverage, then you might want to think about dropping full coverage.
There are some scenarios where dropping physical damage coverage is not advised. If you haven't paid off your loan, you are required to maintain full coverage to protect the lienholder's interest in the vehicle. Also, if you don't have enough money to buy a different vehicle if your current one is damaged, you should maintain full coverage.
Why You Might Pay Higher Rates in San Antonio
Part of the insurance buying process is learning the rating factors that help determine insurance rates. When you understand what impacts premium levels, this enables you to make decisions that will entitle you to big savings. Lots of things are part of the calculation when you get your auto insurance bill. Most are fairly basic such as traffic violations, but other factors are more transparent such as your credit history or your financial responsibility.
Big cities mean more claims - Choosing to live in less populated areas of the country is a positive aspect when buying insurance. City drivers regularly have congested traffic and higher rates of accident claims. Lower population means reduced accidents and also fewer theft and vandalism claims.
Your occupation is a factor - Occupations like doctors, airline pilots, and accountants tend to have higher premium rates in part from job stress and lengthy work days. Conversely, careers like farmers, engineers and retirees pay the least.
Too many insurance claims and you'll pay more - If you're an insured who likes to file claims you can pretty much guarantee either policy cancellation or increased premiums. Auto insurance companies in Texas award cheaper rates to insureds who file claims infrequently. Your car insurance is designed for major claims that would cause financial hardship.
Maintain insurance coverage - Driving your car without having proper coverage is a misdemeanor and insurance companies will penalize you for letting your coverage lapse. Not only will you pay more, getting caught without coverage can result in a fine, jail time, or a revoked license.
Tickets and citations cost more than a fine - Whether or not you get tickets can have a huge impact on auto insurance premiums. Good drivers pay lower auto insurance prices than bad drivers. Even one driving citation could increase your next policy renewal twenty percent or more. Drivers unfortunate enough to have severe violations such as DUI, reckless driving or excessive speeding may face state-mandated requirements to submit a SR-22 or proof of financial responsibility with their state's licensing department in order to continue driving.
The illustration below shows how violations and at-fault collisions impact Volkswagen Routan car insurance rates for different insured age categories. The data assumes a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.