Compare Volkswagen Routan Insurance Rates in Raleigh

The most effective way to get affordable Volkswagen Routan insurance in Raleigh is to do a yearly price comparison from insurance carriers in North Carolina.

1. Take a little time to learn about the different coverages in a policy and the changes you can make to prevent expensive coverage. Many policy risk factors that are responsible for high rates like traffic citations, accidents, and an unfavorable credit rating can be remedied by making minor changes in your lifestyle.
2. Request rate estimates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only quote rates from a single company like Progressive or State Farm, while independent agents can provide prices from many different companies.
3. Compare the quotes to your current policy premium to see if a cheaper rate is available. If you can save some money and decide to switch, make sure coverage is continuous and does not lapse.
4. Provide notification to your current company of your intention to cancel your current auto insurance policy. Submit payment and a signed application to the new company. As soon as you can, safely store the certificate verifying proof of insurance with your vehicle’s registration.

A good piece of advice is that you’ll want to make sure you compare identical deductibles and limits on every quote request and and to analyze as many car insurance companies as possible. This enables an accurate price comparison and a complete selection of prices.

A recent NerdWallet.com study revealed that the majority of drivers have been with the same company for four years or more, and just short of a majority have never compared car insurance rates at all. Raleigh insurance shoppers could save roughly 10% each year, but they don’t believe the large savings they would see if they bought a different policy.

Volkswagen Routan insurance discounts in Raleigh

Car insurance companies do not list all their discounts very clearly, so the next list breaks down a few of the more well known as well as some of the hidden savings tricks you should be using when you buy Raleigh auto insurance online.

• Low Mileage Discounts – Maintaining low annual mileage can earn lower premium rates on the low mileage vehicles.
• Raleigh Homeowners Discount – Owning a house in Raleigh can help you save on car insurance because of the fact that having a home is proof of financial responsibility.
• Telematics Devices – Drivers that enable data collection to track driving manner by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts as long as the data is positive.
• Paper-free Discount – Some larger companies will give you a small discount for completing your application on their website.
• Accident Forgiveness – Not necessarily a discount, but certain companies will forgive one accident before raising your premiums so long as you haven’t had any claims for a set time period.
• Multiple Vehicles – Buying insurance for multiple vehicles on the same car insurance policy can reduce the rates for all insured vehicles.
• Driver Training Discounts – Taking a safe driver course can save you 5% or more and easily pay for the cost of the class.
• Theft Prevention System – Cars with anti-theft systems prevent vehicle theft and that can save you a little bit as well.

Please keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most only cut individual premiums such as medical payments or collision. So despite the fact that it appears you could get a free car insurance policy, companies don’t profit that way.

The chart below illustrates the comparison of Volkswagen Routan insurance costs with and without discounts applied to the rates. The premium estimates are based on a male driver, no accidents or driving violations, North Carolina state minimum liability limits, full physical damage 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, safe-driver, claim-free, multi-policy, marriage, and homeowner discounts applied.

Some companies that may offer some of the above discounts possibly include:

• GEICO
• MetLife
• State Farm
• Progressive
• Mercury Insurance
• 21st Century
• Allstate

When getting a coverage quote, ask each company to give you their best rates. Some of the earlier mentioned discounts may not be offered in Raleigh. If you would like to view insurance companies that offer discounts in Raleigh, click this link.

Most companies such as Progressive, GEICO, Allstate and State Farm allow consumers to get pricing on the web. Getting quotes for Volkswagen Routan insurance in Raleigh doesn’t take much effort as you just enter your required coverages as requested by the quote form. After the form is submitted, the system will order your credit score and driving record and returns a price quote. This helps simplify price comparisons, and it’s necessary to compare as many rates as possible if you want to get cheaper auto insurance pricing.

To get comparison pricing now, check out the auto insurance providers below. If you have a policy now, it’s recommended you complete the form with the coverage information as close as possible to your current policy. This ensures you will be getting an apples-to-apples comparison for similar coverage.

The providers in the list below are ready to provide free rate quotes in North Carolina. If you want to find the best auto insurance in North Carolina, we recommend you get rates from several of them in order to get a fair rate comparison.

Insurance coverage analysis

The price information shown next showcases detailed analysis of policy rates for Volkswagen Routan models. Learning a little about how policy rates are calculated can be useful when making informed decisions when comparing rates.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Information does not factor in specific location which can raise or lower price quotes considerably.

Policy deductible comparison

One of the hardest decisions when shopping for auto insurance is where should you set your physical damage deductibles. The figures shown below may help to illustrate the rate difference of buying low and high policy deductibles. The first set of rates uses a $100 physical damage deductible and the second data table uses a $500 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Prices do not factor in garaging location in Raleigh which can raise or lower premiums considerably.

Based on these figures, using a $100 deductible costs an average of $18 more each month or $216 every year than opting for the higher $500 deductible. Since you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to go at a minimum 22 months between claims, you would save more money by going with a higher deductible. Here is how you can do this calculation yourself.

One thing to note is that a higher deductible results in having to pay to pay more out-of-pocket when you file a claim. You need to make sure you have some available funds in the event you have to pay the deductible to have repairs made.

Irresponsible driving raises your rates

The diagram below shows how speeding tickets and accidents can influence Volkswagen Routan auto insurance rates for each age group. The information is based on a single female driver, full coverage, $100 deductibles, and no discounts are applied.

Volkswagen Routan insurance premiums by gender

The chart below illustrates the comparison of Volkswagen Routan insurance costs for male and female drivers. The rate quotes are based on a clean driving record, no claims, comp and collision included, $250 deductibles, drivers are not married, and no discounts are applied to the premium.

What is the best insurance coverage?

When quoting and choosing adequate coverage for your vehicles, there is no one size fits all plan. Everyone’s situation is a little different and your policy should reflect that.
These are some specific questions might help in determining whether you might need professional guidance.

• Can my babysitter drive my car?
• What are the best liability limits?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Does my Volkswagen Routan need full coverage?
• What is UM/UIM insurance?
• Can I drive in Mexico and have coverage?

If you’re not sure about those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

When to get advice from an agent

A lot of people still prefer to sit down and talk to an agent and that is recommended in a lot of cases One of the great benefits of price shopping on the web is that you can find better rates but still work with a licensed agent.

After completing this simple form, your insurance data gets sent to insurance agents in Raleigh who will return price quotes and help you find cheaper coverage. You won’t need to contact an agency due to the fact that quote results will go directly to you. You can find lower rates and a licensed agent to work with. In the event you want to get a price quote from a particular provider, you just need to search and find their rate quote page and give them your coverage information.

Deciding on an company should depend on more than just a low price. Get answers to these questions too.

• Are they involved in claim handling?
• If your car is in the repair shop, do you have coverage for a rental car?
• Do they reduce claim amounts on high mileage vehicles?
• Are they able to provide referrals?
• How experienced are they in personal risk management?
• Where would your vehicle be repaired?

When looking for a good insurance agency, you should know the types of insurance agents and how they are distinctly different. Car insurance policy providers are categorized either exclusive or independent.

Exclusive Car Insurance Agencies

These type of agents can only quote rates from one company such as State Farm, Allstate, and Farm Bureau. Exclusive agents are unable to shop your coverage around so it’s a take it or leave it situation. Exclusive agents are highly trained on their company’s products which can be an advantage.

Shown below are exclusive agents in Raleigh who may provide you with price quote information.

View more agents

Independent Agencies or Brokers

Independent insurance agents do not write with just one company and that gives them the ability to insure through many different car insurance companies and find you the best rates. If they quote lower rates, the agent simply finds a different carrier and you won’t have to switch agencies. When comparing car insurance prices, we recommend you contact a few independent agents in order to have the best price comparison.

The following is a short list of independent insurance agencies in Raleigh that can give you comparison quotes.

View more agents

Auto insurance 101

Understanding the coverages of your policy can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. These are typical coverages available from car insurance companies.

Collision – This coverage pays for damage to your Routan resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as colliding with a tree, hitting a mailbox, hitting a parking meter and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible on your Routan to bring the cost down.

Comprehensive (Other than Collision) – This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as theft, hitting a deer and fire damage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers – This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required (30/60/25), it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Medical expense insurance – Coverage for medical payments and/or PIP pay for immediate expenses like nursing services, chiropractic care, dental work and rehabilitation expenses. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants and also covers being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability car insurance – Liability insurance protects you from damage or injury you incur to other people or property. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 30/60/25 that means you have a limit of $30,000 per injured person, a total of $60,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things like repair bills for other people’s vehicles, funeral expenses, medical services, court costs and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible. North Carolina requires drivers to carry at least 30/60/25 but it’s recommended drivers buy better liability coverage.

The next chart shows why low liability limits may not provide you with enough coverage.

Cheap insurance rates are available

We’ve covered a lot of ways to shop for Volkswagen Routan insurance online. It’s most important to understand that the more rate quotes you have, the better likelihood of getting cheaper Raleigh auto insurance quotes. Drivers may even discover the lowest rates are with a small mutual company. Some small companies may cover specific market segments cheaper as compared to the big name companies such as State Farm and Allstate.

As you quote Raleigh auto insurance, don’t be tempted to buy poor coverage just to save money. Too many times, an insured dropped liability limits or collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The aim is to buy enough coverage at the best price.

Cost effective Volkswagen Routan insurance is definitely available online in addition to many Raleigh insurance agents, and you need to price shop both to have the best rate selection. Some companies may not provide the ability to get quotes online and most of the time these regional insurance providers only sell coverage through independent agents.

More tips and info about insurance is available in these articles:

• Teen Driver Licensing Information (iihs.org)
• What Insurance is Cheapest for a Hyundai Elantra in Raleigh? (FAQ)
• What Insurance is Cheapest for a Chevrolet Equinox in Raleigh? (FAQ)
• Who Has Cheap Auto Insurance for a Dodge Ram in Raleigh? (FAQ)
• Young Drivers: The High Risk Years Video (iihs.org)
• Auto Insurance FAQ (Farmers Insurance)