Auto Insurance Quotes for a Volkswagen Routan in El Paso

If you want to save the most money, the best way to find lower priced Volkswagen Routan insurance is to start comparing prices yearly from insurance carriers who sell insurance in El Paso. Price quotes can be compared by following these steps.

• Step 1: Read about how auto insurance works and the steps you can take to drop your rates. Many risk factors that are responsible for high rates like at-fault accidents and an unacceptable credit score can be rectified by making minor driving habit or lifestyle changes. This article gives information to prevent expensive rate increases and get additional discounts that may be available.
• Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like GEICO or Allstate, while agents who are independent can quote prices for a wide range of companies.
• Step 3: Compare the new rate quotes to the price on your current policy to see if cheaper Routan coverage is available in El Paso. If you find a lower rate and decide to switch, make sure coverage is continuous and does not lapse.

A good piece of advice is to use similar coverage information on each quote request and and to get quotes from as many companies as possible. Doing this helps ensure a fair price comparison and a complete rate analysis.

It’s well known that auto insurance companies don’t want their policyholders to compare prices. Drivers who rate shop once a year are very likely to switch car insurance companies because the odds are good of finding a more affordable policy premium. A recent car insurance study discovered that drivers who make a habit of shopping around saved over $865 annually compared to drivers who never shopped around.

If finding the lowest rates on insurance is your intention, learning how to find companies and compare car insurance can help you succeed in saving money.

El Paso Insurance Rates are Influenced by These Factors

When buying car insurance it’s important to understand some of the factors that are used to determine your car insurance rates. If you understand what positively or negatively impacts your premiums, this allows you to make educated decisions that could help you find cheaper rates.

• Premiums drop with age – Teen drivers in Texas are statistically shown to be careless and easily distracted when driving with friends so car insurance rates are higher. Having to add a teen driver onto a policy can cause a big jump in price. More mature drivers tend to be more responsible, file fewer claims, and receive fewer citations.

  The following data assumes a single driver, full coverage with $1000 deductibles, and no discounts or violations.

• Save money by raising physical damage deductibles – Comp and collision deductibles state the amount of money you are willing to pay out-of-pocket before your car insurance pays a claim. Insurance for physical damage, also known as collision and other-than-collision, covers damage that occurs to your car. Some examples of covered claims would be collision with another vehicle, vandalism, or theft of your vehicle. The higher the amount you have to pay, the less your car insurance will be.
• Never let your coverage expire – Allowing your coverage to lapse is a quick way to trigger a rate increase. In addition to paying higher premiums, not being able to provide proof of insurance can result in fines and jail time.
• Stay claim-free and save – If you file a lot of claims you can expect increased rates or even have your policy non-renewed. Car insurance companies in Texas provide lower rates to people who do not rely on their insurance for small claims. Insurance coverage is meant to be used in the event of claims that you cannot pay yourself.
• Liability insurance is critical – Liability insurance will protect you when a jury decides you are liable for damages from an accident. This coverage provides for a legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
• Insurance rates for married couples – Walking down the aisle may cut your premiums on your car insurance policy. Having a spouse is viewed as being more financially stable and insurance companies like that married couples file fewer claims.

Volkswagen Routan insurance rates and statistics

The premium information shown next covers different insurance costs for Volkswagen Routan models. Being aware of how prices are formulated can assist in making informed purchases.

Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Prices do not factor in El Paso location which can modify insurance rates greatly.

Policy deductibles

One of the hardest decisions when shopping for auto insurance is how high should your deductibles be. The premium rates below can help you understand the differences in premium rates when you buy lower versus higher policy deductibles. The first data table uses a $100 deductible for comprehensive and collision coverage and the second price table uses a $500 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Premium amounts do not factor in specific location information which can revise rates noticeably.

Based on the data above, we can derive that using a $100 deductible could cost the average driver approximately $27 more each month or $324 every year than requesting the higher $500 deductible. Since you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you go at a minimum 15 months between claim filings, you would save more money going with the higher deductible. Here is how you can decide this on your own policy.

The illustration below illustrates how your deductible choice and can increase or decrease Volkswagen Routan insurance costs for each different age group. The premiums are based on a married male driver, comprehensive and collision coverage, and no discounts are applied.

Discounts mean cheaper rates for Volkswagen Routan insurance in El Paso

Car insurance is not cheap, but discounts can save money and there are some available that you may not even know about. Most are applied when you get a quote, but a few must be asked about prior to receiving the credit.

• Low Mileage Discounts – Low annual miles could be rewarded with lower premium rates due to less chance of an accident.
• Seat Belt Usage – Requiring all passengers to buckle their seat belts can save a little on medical payment and PIP coverage.
• Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more on Routan insurance in El Paso.
• Life Insurance Discount – Select car insurance companies reward you with a discounted car insurance rate on car insurance if you buy some life insurance in addition to your auto policy.
• Home Ownership Discount – Owning your own home or condo can save a few bucks because owning a home requires a higher level of personal finance.
• Military Rewards – Having an actively deployed family member may lower your rates slightly.
• Payment Method – If you can afford to pay the entire bill rather than spreading payments over time you could save 5% or more.
• Student in College – Any of your kids living away from El Paso attending college and do not take a car to college can receive lower rates.
• Theft Prevention System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
• Employee of Federal Government – Active or retired federal employment may qualify for a discount when you quote El Paso auto insurance with some car insurance companies.

A little disclaimer on discounts, many deductions do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like collision or personal injury protection. If you do the math and it seems like all the discounts add up to a free policy, companies don’t profit that way.

The chart below compares Volkswagen Routan insurance premiums with and without discounts applied to the premium. The premiums are based on a female driver, a clean driving record, no claims, Texas state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, homeowner, safe-driver, marriage, and multi-policy discounts applied.

To choose insurance companies with significant discounts in Texas, click here to view.

Auto insurance company ratings

Ending up with the top company can be difficult considering how many choices you have in Texas. The rank data below could help you choose which companies you want to consider when looking for cheaper rates.

Be persistent and save

As you prepare to switch companies, it’s a bad idea to sacrifice coverage to reduce premiums. There have been many cases where an insured dropped full coverage only to regret at claim time that it was a big error on their part. The aim is to buy the best coverage you can find at the best possible price, not the least amount of coverage.

Lower-priced auto insurance in El Paso is attainable from both online companies and with local El Paso insurance agents, and you should compare rates from both in order to have the best chance of saving money. Some insurance providers do not provide the ability to get a quote online and these smaller companies only sell coverage through independent agents.

We just presented a lot of tips how to shop for Volkswagen Routan insurance online. The key thing to remember is the more times you quote, the higher the chance of saving money. Drivers may even discover the biggest savings come from the least-expected company. These companies may only write in your state and offer lower prices than the large multi-state companies such as State Farm or Progressive.

Helpful information

• Insurance losses by make and model (Insurance Institute for Highway Safety)
• Rental Reimbursement Coverage (Allstate)
• State Car Insurance Guides (GEICO)