Volkswagen Routan Insurance Quotes in Tampa

Insurance rates Volkswagen Routan in TampaA recent 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.

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 auto insurance

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.

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.

Volkswagen Routan Insurance Rates in Tampa, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Routan S 2WD $256 $414 $430 $26 $128 $1,254 $105
Routan SE 2WD $290 $504 $430 $26 $128 $1,378 $115
Routan SEL 2WD $290 $594 $430 $26 $128 $1,468 $122
Routan SEL Premium 6 Cyl 2WD $322 $594 $430 $26 $128 $1,500 $125
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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.

Volkswagen Routan insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Routan S 2WD $322 $446 $354 $20 $106 $1,273 $106
Routan SE 2WD $364 $544 $354 $20 $106 $1,413 $118
Routan SEL 2WD $364 $640 $354 $20 $106 $1,509 $126
Routan SEL Premium 6 Cyl 2WD $406 $640 $354 $20 $106 $1,551 $129
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Volkswagen Routan insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Routan S 2WD $262 $360 $354 $20 $106 $1,102 $92
Routan SE 2WD $296 $438 $354 $20 $106 $1,214 $101
Routan SEL 2WD $296 $516 $354 $20 $106 $1,292 $108
Routan SEL Premium 6 Cyl 2WD $330 $516 $354 $20 $106 $1,326 $111
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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.

E J Ferro Insurance Agency
Tampa, FL 33647Tampa, FL 33647(813) 926-1515View Map

8019 N Himes Ave #100Tampa, FL 33614(813) 935-6629View Map

1719 W Fletcher AveTampa, FL 33612(813) 849-0125View Map

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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.

4305 W Bay to Bay BlvdTampa, FL 33629(813) 835-8892View Map

John Lang – State Farm Insurance Agent
4023 W Waters Ave #5Tampa, FL 33614(813) 885-2748View Map

8221 Parkedge DrTampa, FL 33637(813) 975-1866View Map

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

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.

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.

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: