2010 Volkswagen Routan Car Insurance Rates – 10 Ways to Save

Searching for the cheapest insurance coverage rates for your Volkswagen Routan? Are you sick and tired of scraping the payment together to pay your car insurance bill each month? You are no different than millions of other consumers. You have multiple car insurance companies to purchase coverage from, and though it is a good thing to have a choice, it can be more difficult to get the best deal.

It’s a good idea to price shop coverage before your policy renews since insurance rates are adjusted regularly by insurance companies. Just because you had the lowest rates on Routan coverage on your last policy you may be paying too much now. You can find a lot of wrong information about insurance coverage online, so with this article, you’re going to get some great ways to slash your insurance coverage rates.

The best way we recommend to compare car insurance company rates is to take advantage of the fact most of the bigger providers participate in a system to provide you with a free rate quote. To begin a comparison, all you need to do is provide information including distance driven, the year, make and model of vehicles, what your job is, and if you’re married. Your details is automatically sent to many highly-rated insurers and you receive quotes instantly.

To get price quotes for your 2010 Volkswagen Routan, click here and complete the form.

Are you getting all your discounts?

Insurance can be prohibitively expensive, buy you may qualify for discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at quote time, but less common discounts must be asked for before they will apply. If you don’t get every credit you qualify for, you’re just leaving money on the table.

  • Homeowners Discount – Being a homeowner may trigger a auto insurance policy discount due to the fact that maintaining a home demonstrates responsibility.
  • Federal Employees – Employees or retirees of the government may qualify you for a discount on Routan coverage with select insurance companies.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of making monthly payments you could save up to 5%.
  • Driver Safety – Taking a defensive driving course could cut 5% off your bill depending on where you live.
  • Good Student – Getting good grades can save 20 to 25%. This discount can apply until age 25.
  • Multi-car Discount – Buying coverage for more than one vehicle on one policy qualifies for this discount.
  • Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts could cut 10% or more off your PIP or medical payments premium.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
  • Drive Less and Save – Fewer annual miles on your Volkswagen could qualify for a substantially lower rate.
  • Auto/Home Discount – When you have multiple policies with the same company you could get a discount of up to 20% off your total premium.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. Some only apply to individual premiums such as medical payments or collision. So even though they make it sound like all the discounts add up to a free policy, it just doesn’t work that way. But all discounts will help reduce your premiums.

For a list of insurance companies offering auto insurance discounts, follow this link.

Tailor your coverage to you

When buying coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different so your insurance needs to address that. Here are some questions about coverages that could help you determine whether or not you might need an agent’s assistance.

  • I have health insurance so do I need medical payments coverage?
  • Am I better off with higher deductibles on my 2010 Volkswagen Routan?
  • What if I total my 2010 Volkswagen Routan and owe more than it’s worth?
  • Am I covered when driving on a suspended license?
  • Should I bundle my homeowners policy with my auto?
  • Which companies will insure high-risk drivers?
  • Is a new car covered when I drive it off the dealer lot?
  • Is other people’s property covered if stolen from my vehicle?
  • How can I get my company to pay me more for my totalled car?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance coverage options for a 2010 Volkswagen Routan

Learning about specific coverages of auto insurance helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are the usual coverages found on most auto insurance policies.

Comprehensive or Other Than Collision – This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from getting keyed, fire damage, hitting a bird and falling objects. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical costs insurance – Med pay and PIP coverage provide coverage for short-term medical expenses for things like doctor visits, rehabilitation expenses, funeral costs, surgery and hospital visits. They are often 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 will also cover if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Volkswagen Routan.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Collision coverage – This coverage will pay to fix damage to your Routan caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as rolling your car, colliding with another moving vehicle, sustaining damage from a pot hole and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Liability coverages – Liability coverage can cover injuries or damage you cause to people or other property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as bail bonds, court costs and medical services. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

In Summary

The cheapest 2010 Volkswagen Routan insurance can be bought on the web and with local insurance agents, and you need to price shop both to have the best selection. Some car insurance companies do not offer the ability to get a quote online and these small insurance companies work with independent agents.

In this article, we presented many tips how you can save on insurance. The most important thing to understand is the more providers you compare, the higher your chance of finding lower rates. Drivers may discover the lowest premiums are with some of the lesser-known companies. They may cover specific market segments cheaper than the large multi-state companies such as Progressive and Geico.

Additional detailed information can be found in the articles below: