Save Money on Volkswagen Routan Insurance in Memphis

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Insurance rates Volkswagen Routan in MemphisTruthfully, the best way to find the cheapest price for Volkswagen Routan insurance is to make a habit of regularly comparing prices from insurance carriers that sell auto insurance in Memphis.

  • Step 1: Learn about the coverage provided by your policy and the measures you can control to prevent high rates. Many rating criteria that are responsible for high rates such as getting speeding tickets and a negative credit history can be controlled by being financially responsible and driving safely.
  • Step 2: Obtain price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from one company like GEICO and Allstate, while independent agents can quote rates from multiple insurance companies.
  • Step 3: Compare the new rate quotes to your current policy premium and determine if cheaper Routan coverage is available in Memphis. If you can save some money and buy the policy, make sure coverage is continuous and does not lapse.
  • Step 4: Provide proper notification to your current company to cancel your current car insurance policy and submit the application along with any required down payment to the new company. Don't forget to place your new proof of insurance certificate somewhere easily accessible.

A valuable tip to remember is that you'll want to make sure you compare identical limits and deductibles on each quote and and to get rates from as many auto insurance providers as possible. This helps ensure an apples-to-apples comparison and and a good selection of different prices.

We don't have to tell you that auto insurance companies don't want you comparing rates. People who shop around for the cheapest rate are likely to switch companies because there is a significant possibility of finding lower prices. Surprisingly, a recent survey revealed that people who compared rate quotes regularly saved an average of $865 annually compared to drivers who never shopped around for better prices.

If finding budget-friendly car insurance is your ultimate objective, then having some knowledge of how to compare cheaper coverage can help you succeed in saving money.

You Can Change Your Insurance Rates

Multiple criteria are taken into consideration when quoting car insurance. A few of the factors are predictable such as your driving history, but others are not as apparent like your continuous coverage or how safe your car is. The best way to find cheaper car insurance is to take a look at a few of the rating criteria that help calculate your car insurance rates. When you understand what influences your rates, this enables informed choices that could help you find lower car insurance prices.

The itemized list below are some of the most common factors utilized by car insurance companies to help set prices.

Lower stress equals lower premiums - Jobs like fire fighters, air traffic controllers, and emergency personnel tend to have higher rates than average attributed to high stress levels and extremely grueling work hours. Conversely, jobs such as professors, athletes and the unemployed have lower than average premiums.

Being married is a good thing - Walking down the aisle may save some money on your policy. Having a significant other usually means you are more responsible it has been statistically shown that married drivers tend to have fewer serious accidents.

High credit rating translates to low prices - A driver's credit score can be an important factor in your rate calculation. If your credit rating is lower than you'd like, you may save money insuring your Volkswagen Routan by improving your credit score. Drivers with high credit ratings tend to be better risks to insure than drivers with lower credit ratings.

Is insurance cheaper for men or women? - Over the last 30 years, statistics show women are more cautious behind the wheel. Now that doesn't mean men are WORSE drivers than women. Females and males cause auto accidents at a similar rate, but men cause more damage and cost insurance companies more money. Not only are claims higher, but men get higher numbers of serious violations such as reckless driving. Young males are most likely to cause an accident so it costs more to insure them.

The example below shows the comparison of Volkswagen Routan car insurance rates for male and female drivers. The data is based on no claims, a clean driving record, comprehensive and collision coverage, $500 deductibles, single marital status, and no other discounts are factored in.

Pay more if you have a long commute - Being located in small towns and rural areas is a positive aspect if you are looking for the lowest rates. Drivers who live in large cities have more aggressive driving styles and more severe claims. Less people living in that area means less chance of accidents as well as less vandalism and auto theft.

Don't skimp on liability protection - The liability section of your policy will protect you if you are found liable for causing personal injury or damage in an accident. Your policy's liability insurance provides for a legal defense to attempt to prove you were not liable. This coverage is very inexpensive compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.

Insurance statistics for a Volkswagen Routan

The rate table shown below showcases detailed analysis of coverage costs for Volkswagen Routan models. Having a good understanding how insurance quotes are established can help customers make decisions when shopping your coverage around.

Volkswagen Routan Insurance Rates in Memphis, TN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Routan S 2WD $226 $340 $252 $14 $76 $908 $76
Routan SE 2WD $256 $412 $252 $14 $76 $1,010 $84
Routan SEL 2WD $256 $486 $252 $14 $76 $1,084 $90
Routan SEL Premium 6 Cyl 2WD $284 $486 $252 $14 $76 $1,112 $93
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Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Information does not factor in garaging location in Memphis which can raise or lower price quotes substantially.

Choosing deductibles

One of the hardest decisions when shopping for insurance is what deductibles to buy. The comparisons below lay out the cost difference between high and low insurance deductibles. The first data set uses a $100 deductible and the second price grid uses a $500 deductible.

Volkswagen Routan insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Routan S 2WD $248 $368 $246 $14 $74 $975 $81
Routan SE 2WD $280 $448 $246 $14 $74 $1,087 $91
Routan SEL 2WD $280 $528 $246 $14 $74 $1,167 $97
Routan SEL Premium 6 Cyl 2WD $312 $528 $246 $14 $74 $1,199 $100
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Volkswagen Routan insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Routan S 2WD $182 $250 $246 $14 $74 $766 $64
Routan SE 2WD $204 $304 $246 $14 $74 $842 $70
Routan SEL 2WD $204 $358 $246 $14 $74 $896 $75
Routan SEL Premium 6 Cyl 2WD $228 $358 $246 $14 $74 $920 $77
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Tennessee minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Price estimates do not factor in garaging location in Memphis which can alter auto insurance rates substantially.

Based on the above data, using a $100 deductible would cost the average driver about $20 more each month or $240 for a full year than buying the higher $500 deductible. Since the policyholder would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you average at least 20 months between claim filings, you would probably save some money if you decide on a higher deductible.

The information below shows how choosing a deductible and can impact Volkswagen Routan insurance prices for different age groups of insureds. The premiums are based on a married male driver, full coverage, and no other discounts are factored in.

Memphis car insurance discounts

The cost of insuring your cars can be expensive, but there could be available discounts that you may not even be aware of. Some of these discounts will be visible when you quote, but lesser-known reductions have to be asked for before you will receive the discount.Car insurance discounts

  • Active Military Service - Being deployed with a military unit may qualify for rate reductions.
  • Discounts for New Vehicles - Insuring a new Routan can save up to 30% compared to insuring an older model.
  • Discounts for Seat Belt Usage - Drivers who require all occupants to wear their seat belts could save 15% off the medical payments premium.
  • Driver Education Discount - Require your teen driver to take driver's ed class in school or through a local driver safety program.
  • Switch and Save Discount - A few car insurance companies give discounts for switching to them before your current coverage expires. You can save around 10% with this discount.

Keep in mind that most discounts do not apply to the whole policy. Most only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like it's possible to get free car insurance, that's just not realistic.

The chart below illustrates the difference between Volkswagen Routan premium costs with and without discounts being applied to the rates. The data assumes a male driver, no accidents or driving violations, Tennessee state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, multi-car, marriage, claim-free, and safe-driver discounts applied.

Popular car insurance companies and some of their more popular discounts are outlined below.

  • Progressive policyholders can earn discounts including online quote discount, good student, multi-policy, online signing, homeowner, continuous coverage, and multi-vehicle.
  • SAFECO discounts include multi-car, homeowner, teen safe driver, anti-theft, and anti-lock brakes.
  • American Family has discounts for air bags, mySafetyValet, TimeAway discount, early bird, and good student.
  • MetLife offers discounts for good student, claim-free, accident-free, multi-policy, good driver, defensive driver
  • GEICO may have discounts that include anti-lock brakes, anti-theft, daytime running lights, military active duty, driver training, and multi-policy.
  • The Hartford has savings for defensive driver, vehicle fuel type, good student, bundle, and anti-theft.

When comparing rates, check with each company which discounts can lower your rates. Some discounts listed above may not apply to policyholders in your state. To find companies that provide some of the discounts listed above in Memphis, click here to view.

Quote. Compare. Save.

Consumers switch companies for many reasons like delays in paying claims, high rates after DUI convictions, denial of a claim and even policy cancellation. Whatever your reason, finding the right insurance provider is not as difficult as it may seem.

More affordable insurance in Memphis can be found on the web as well as from insurance agents, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who may not provide rate quotes online and usually these regional carriers prefer to sell through independent agents.

As you shop your coverage around, you should never skimp on critical coverages to save a buck or two. In many instances, consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that it was a big error on their part. The goal is to buy a smart amount of coverage at the best possible price but still have enough coverage for asset protection.

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