Volkswagen Routan Insurance Quotes in Tampa

A recent NerdWallet.com study revealed that most car insurance customers kept their coverage with the same car insurance company for a minimum of four years, and almost half have never quoted rates to find cheap coverage. Many consumers in Tampa could save nearly $1,126 each year by just comparing quotes, but they don’t believe how much savings they would realize if they replace their high priced policy.

If your goal is the lowest price, then the best way to get discount Volkswagen Routan insurance is to make a habit of regularly comparing prices from companies who provide car insurance in Tampa. Drivers can shop around by following these guidelines.

• Step 1: Try to learn about the different coverages in a policy and the factors you can control to prevent expensive coverage. Many things that result in higher prices like accidents, careless driving, and a less-than-favorable credit rating can be eliminated by making lifestyle changes or driving safer. Later in this article we will cover the details to find cheap prices and find missing discounts.
• Step 2: Obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can provide rates from a single company like Progressive or Farmers Insurance, while agents who are independent can give you price quotes for a wide range of insurance providers.
• Step 3: Compare the price quotes to your existing rates to see if switching to a new carrier will save money. If you find a lower rate quote and change companies, ensure coverage does not lapse between policies.

A crucial key to this process is to compare identical coverage information on each quote request and and to get rate quotes from all possible companies. Doing this guarantees an apples-to-apples comparison and a good representation of prices.

These techniques will familiarize you with how car insurance companies work and some money-saving tips. If you already have coverage, you will most likely be able to find better prices using the concepts covered in this article. Drivers only need an understanding of the most efficient way to buy auto insurance instantly.

The providers in the list below have been selected to offer price quotes in Florida. If multiple companies are listed, we suggest you visit several of them in order to find the lowest rates.

Get cheaper Volkswagen Routan insurance in Tampa with discounts

Some insurance providers don’t always publicize all available discounts very clearly, so here is a list a few of the more well known and the more hidden auto insurance savings.

• Discount for Low Mileage – Fewer annual miles on your Volkswagen may allow you to get better prices on cars that stay parked.
• Multiple Vehicles – Insuring several vehicles with the same auto insurance company can get a discount on all vehicles.
• Discount for Life Insurance – If the company offers life insurance, you could get a discounted premium rate on car insurance if you buy a life insurance policy as well.
• Claim-Free Discount – Insureds who avoid accidents and claims pay less when compared to insureds who have frequent claims or accidents.
• Government Employee Discount – Simply working for the federal government may qualify for a discount when you quote Tampa car insurance with select insurance companies.
• Accident Forgiveness – This one isn’t a discount, but some insurance companies may permit one accident before your rates go up if you are claim-free prior to being involved in the accident.
• Anti-theft System – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and will save you 10% or more on Routan insurance in Tampa.
• Discount for Multiple Policies – If you combine your auto and homeowners policies and insure them both with the same insurance company you could save up to 20% and get you inexpensive Volkswagen Routan insurance in Tampa.
• Payment Method – If paying your policy premium upfront rather than paying in monthly installments you can avoid the installment charge.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates it’s possible to get free car insurance, companies don’t profit that way. But all discounts will reduce the cost of your policy.

The information below illustrates the comparison of Volkswagen Routan car insurance costs with and without discounts. The prices are based on a male driver, a clean driving record, no claims, Florida state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, marriage, multi-car, multi-policy, and homeowner discounts applied.

A list of auto insurance companies and their offered discounts can be read below.

• State Farm may include discounts for defensive driving training, safe vehicle, student away at school, good driver, Steer Clear safe driver discount, and good student.
• Liberty Mutual offers premium reductions for newly married, new move discount, safety features, multi-policy, and multi-car.
• American Family policyholders can earn discounts including defensive driver, multi-vehicle, good student, mySafetyValet, good driver, and TimeAway discount.
• Progressive has discounts for online quote discount, good student, homeowner, multi-vehicle, and multi-policy.
• Farmers Insurance includes discounts for good student, mature driver, electronic funds transfer, youthful driver, and pay in full.
• Auto-Owners Insurance discounts include safe driver, anti-lock brakes, good student, multi-policy, student away at school, and company car.
• SAFECO may have discounts that include teen safety rewards, anti-lock brakes, multi-car, drive less, accident prevention training, anti-theft, and bundle discounts.

If you want affordable Volkswagen Routan insurance quotes, ask every company which discounts they offer. Depending on the company, some discounts may not apply to policyholders in Tampa. For a list of companies who offer online Volkswagen Routan insurance quotes in Florida, follow this link.

Detailed insurance information

The coverage information shown below outlines detailed analysis of insurance prices for Volkswagen Routan models. Learning more about how insurance quotes are figured is important for making informed purchases.

Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Rate quotes do not factor in the specific area where the vehicle is garaged which can modify coverage rates noticeably.

Comparison of policy deductibles

A question often asked by Tampa drivers is how low should you set your deductibles. The comparisons below sum up the rate fluctuation of buying low and high comp and collision deductibles. The first data set uses a $250 physical damage deductible and the second rate chart uses a $500 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Price information does not factor in vehicle location which can decrease or increase premium rates considerably.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you approximately $17 more each month or $204 every year averaged for all Routan models than buying the higher $500 deductible. Due to the fact that you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to average at least 15 months between claim filings, you would probably be better off if you choose a higher deductible.

The diagram below demonstrates how choosing different deductibles and can affect Volkswagen Routan premium costs for different age groups of insureds. Data assumes a single female driver, full coverage, and no discounts are taken into consideration.

Full coverage versus liability-only in Tampa

The chart below visualizes the comparison of Volkswagen Routan insurance costs when comparing full coverage to state minimum liability only. The costs are based on no driving violations, no at-fault accidents, $500 deductibles, single status, and no other discounts are factored in.

When to stop buying physical damage coverage

There is no specific rule for eliminating full coverage on your policy, but there is a general convention. If the yearly cost of comp and collision coverage is 10% or more of the replacement cost minus the deductible, then you may need to consider dropping full coverage.

For example, let’s say your Volkswagen Routan claim settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company will settle for is $7,000 after you pay the deductible. If premium cost is more than $700 a year for comprehensive and collision coverage, then you may need to consider dropping full coverage.

There are some situations where dropping physical damage coverage is not in your best interest. If you still owe a portion of the original loan, you are required to maintain full coverage to protect the lienholder’s interest. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage.

Independent or exclusive auto insurance agents

A small number of people still prefer to sit down and talk to an agent and that is recommended in a lot of cases Most agents can answer important questions and will help you if you have claims. The best thing about getting online price quotes is the fact that you can find the lowest rates but still work with a licensed agent. And buying from neighborhood agents is still important in Tampa.

To make it easy to find an agent, after completing this simple form, the quote information is emailed to companies in Tampa that can give you free Tampa car insurance quotes for your insurance coverage. It makes it easy because there is no need to find an agent as quotes are delivered directly to your email. If you wish to compare rates for a specific company, you just need to visit that company’s website and submit a quote form there.

If you need to find a local insurance agency, it’s important to understand the types of insurance agents and how they are distinctly different. Car insurance agents may be either independent agents or exclusive agents. Either one can insure your vehicles, but we need to point out the difference in how they write coverage since it may influence the type of agent you choose.

Independent Car Insurance Agencies

Independent agents often have many company appointments and that allows them to write policies with multiple insurance companies and possibly get better coverage at lower prices. To move your coverage to a new company, they can switch companies in-house which requires no work on your part.

If you are comparing rate quotes, it’s recommended you contact a couple of independent agencies to ensure the widest selection of prices.

Below is a short list of independent insurance agencies in Tampa that may be able to give cheap rate quotes.

View more agents

Exclusive Agents

Agents in the exclusive channel can only write with one company such as Farmers Insurance, State Farm, or Allstate. They generally cannot give you multiple price quotes so it’s a take it or leave it situation. Exclusive insurance agents are very knowledgeable on sales techniques which can be an advantage.

Listed below is a short list of exclusive insurance agents in Tampa that can give you price quotes.

View more agents

Choosing a car insurance agent shouldn’t rely on just the price. Here are some questions you might want to ask.

• What company holds the largest book of business for them?
• If your car is totaled, how to they determine the replacement cost?
• What are the financial ratings for the companies they represent?
• How long has their agency been in business in Tampa?
• What discounts might you be missing?

Upon getting reasonable responses to these questions and a good coverage price, it’s a good possibility that you have found an insurance agent that can insure your vehicles.

Buy Cheaper Auto Insurance with These Tips

Smart consumers have a good feel for some of the factors that are used to determine your premiums. When you understand what determines premiums, this enables you to make decisions that can earn you lower auto insurance prices. Many factors are considered when pricing auto insurance. Some are obvious such as traffic violations, but others are not quite as obvious such as whether you are married or how safe your car is.

• High premiums for younger drivers – Young drivers in Florida are known to be inattentive and easily distracted when driving so they pay higher auto insurance rates. Older insureds tend to be more responsible, cost insurance companies less in claims, and usually have better credit.

  The data below uses these assumptions: single driver, full coverage with $250 deductibles, and no discounts or violations.

• Vehicles with better crash test results mean better premiums – Cars with high safety ratings cost less to insure. Safer cars protect occupants better and fewer injuries means less money paid by your insurance company and cheaper rates on your policy.
• Comp and collision deductibles are a factor – Physical damage coverage, termed comprehensive and collision coverage on your policy, protects your Volkswagen from damage. Examples of covered claims are collision with another vehicle, hail damage, and damage caused by flying debris. The deductibles you choose state the amount of money you are required to pay in the event of a claim. The more money the insured has to pay upfront, the bigger discount you will receive.
• Policy add-ons may be wasting money – There are quite a few optional add-on coverages that sound like a good idea at the time but may not be useful. Coverages for rental car coverage, towing coverage, and extra life insurance coverage are some examples. They may seem good when deciding what coverages you need, but if you’ve never needed them in the past think about removing them and cutting costs.

• Performance makes a difference – The performance of the vehicle you are trying to find cheaper insurance for makes a substantial difference in your car insurance bill. Small economy passenger cars usually have the lowest rates, but many other things help determine your insurance rates.

  The following chart uses these assumptions: married female driver age 40, full coverage with $100 deductibles, and no discounts or violations. The chart compares Volkswagen Routan policy rates compared to other makes and models that have a range of performance rating factors.

• How many miles do you drive? – The higher the mileage driven every year the higher the price you pay to insure it. Many insurance companies rate vehicles based on their usage. Cars that are left in the garage qualify for better rates than vehicles that are driven to work every day. Double check that your auto insurance declarations sheet reflects annual mileage, because it can save money. Having the wrong rating on your Routan can cost quite a bit.
• Low stress occupation equals lower rates – Did you know your career choice can influence rates? Occupations like military personnel, executives, and financial analysts tend to pay higher rates than the rest of us attributed to intense work situations and incredibly demanding work hours. Other careers such as actors, engineers and the unemployed get better rates.
• Marriage is a factor – Walking down the aisle may cut your premiums when shopping for auto insurance. It demonstrates that you tend to be less irresponsible and statistics show married drivers get in fewer accidents.

Three main reasons to buy insurance

Despite the potentially high cost of Volkswagen Routan insurance, paying for insurance is required in Florida but it also protects you in many ways.

• Most states have minimum mandated liability insurance limits which means it is punishable by state law to not carry specific limits of liability in order to drive the car legally. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you took out a loan on your Volkswagen, it’s most likely the lender will stipulate that you have physical damage coverage to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Volkswagen for a lot more money and force you to reimburse them the higher price.
• Insurance protects not only your car but also your assets. It will also reimburse you for hospital and medical expenses for you, any passengers, and anyone injured in an accident. One policy coverage, liability insurance, also pays expenses related to your legal defense if you are named as a defendant in an auto accident. If your vehicle suffers damage from an accident or hail, comprehensive and/or collision insurance will pay to restore your vehicle to like-new condition.

The benefits of buying insurance definitely exceed the cost, especially for larger claims. On average, a vehicle owner in Tampa is overpaying more than $865 each year so it’s important to compare rates at least once a year to ensure rates are competitive.

Ratings for Florida car insurance companies

Picking the highest-rated car insurance company can be rather challenging considering how many different companies insure vehicles in Tampa. The rank data shown next could help you analyze which coverage providers you want to consider to insure your vehicles.

Top 10 Tampa Car Insurance Companies by A.M. Best Rank

1. Travelers – A++
2. USAA – A++
3. GEICO – A++
4. State Farm – A++
5. Titan Insurance – A+
6. Esurance – A+
7. Progressive – A+
8. The Hartford – A+
9. Allstate – A+
10. Nationwide – A+

Top 10 Tampa Car Insurance Companies Ranked by Value

1. Mercury Insurance
2. Travelers
3. American Family
4. AAA Insurance
5. Safeco Insurance
6. Progressive
7. The Hartford
8. The General
9. 21st Century
10. Esurance

Quote often and quote early

As you prepare to switch companies, never buy less coverage just to save a little money. There have been many situations where an insured dropped liability limits or collision coverage only to find out that the small savings ended up costing them much more. Your focus should be to get the best coverage possible for the lowest cost, but do not sacrifice coverage to save money.

In this article, we covered many ideas to lower your Volkswagen Routan insurance car insurance rates in Tampa. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. You may even find the most savings is with the smaller companies. Smaller companies may only write in your state and offer lower premium rates than their larger competitors like GEICO and State Farm.

Much more information about insurance in Florida can be read at these links:

• Teen Driver Statistics (Insurance Information Institute)
• Who Has Cheap Auto Insurance for a Nissan Rogue in Tampa? (FAQ)
• Who Has the Cheapest Auto Insurance for High Risk Drivers in Tampa? (FAQ)
• Who Has the Cheapest Auto Insurance Quotes for a Chevrolet Silverado in Tampa? (FAQ)
• What Insurance is Cheapest for High Mileage Drivers in Tampa? (FAQ)
• Alcohol Impaired Driving FAQ (iihs.org)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Winter Driving (Insurance Information Institute)
• Understanding Limits and Deductibles (Allstate)