Are you doing reasearch to find low-cost Volkswagen Routan insurance in San Jose? Sick and tired of sacrificing other expenses to pay car insurance each month? You are in the same boat as many other California consumers.
We don’t have to point out that fact that car insurance companies want to prevent you from shopping around. Insureds who shop around for cheaper rates will most likely move their business because there is a great chance of finding discount prices. A recent survey found that drivers who compared rates regularly saved over $70 a month compared to policyholders who don’t make a habit of comparing rates.
If finding the lowest rates on car insurance is your target objective, then learning about the best way to compare insurance premiums can save time and make the process easier. Numerous auto insurance companies battle for your hard-earned dollar, so it can be very hard to choose a provider to find the absolute lowest cost out there.
If you have a policy now or are looking for a new policy, you can use these techniques to reduce the price you pay and still get good coverage. Choosing the best rates in San Jose is not rocket science. Consumers just need to learn the most efficient way to shop over the internet.
Discounts mean cheaper rates for Volkswagen Routan insurance in San Jose
Car insurance companies do not list all available discounts in a way that’s easy to find, so the next list breaks down both well-publicized and also the more inconspicuous credits that you can use to lower your rates.
- ABS Brakes – Cars, trucks, and SUVs with ABS and/or traction control prevent accidents and qualify for as much as a 10% discount.
- Air Bags and Passive Restraints – Factory options such as air bags may earn rate discounts of 25 to 30%.
- Bundle and Save – If you can combine your auto and home policy with one company they may give you a discount of over 10 percent off each policy depending on the company.
- Claim Free – Drivers with accident-free driving histories get the best insurance rates in comparison to drivers with a long claim history.
- Online Discount – A few insurance companies provide a small discount for signing up on their website.
- Smart Student Discounts – This discount can be rewarded with saving of up to 25%. Many companies even apply the discount to college students up until you turn 25.
- Distant College Student Discount – Youth drivers who live away from home to go to college and don’t have a car can receive lower rates.
- Discounts for Responsible Drivers – Drivers who avoid accidents may save up to 50% more than drivers with accident claims.
- Professional Memberships – Having an affiliation with a professional or civic organization is a good way to get lower rates on your next renewal.
You should keep in mind that most credits do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as comp or med pay. So when it seems like having all the discounts means you get insurance for free, it just doesn’t work that way.
The diagram below compares Volkswagen Routan auto insurance rates with and without discounts applied to the premium. The costs are based on a female driver, no claims, a clean driving record, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, multi-policy, claim-free, multi-car, and safe-driver discounts applied.
If you would like to view insurance companies that offer some of these discounts in California, click here.
The quickest method we recommend to compare car insurance rates for Volkswagen Routan insurance in San Jose is to understand most larger insurance companies provide online access to compare rate quotes. All consumers are required to do is provide details including how you use your vehicles, if you’re married, if the car is leased, and the make and model of your vehicles. That rating information is then sent to many of the top insurers and they return cost estimate within a short period of time.
To find the cheapest car insurance rates, click here and complete the quick form.
The following companies can provide price quotes in California. If several companies are displayed, we suggest you visit as many as you can in order to get a fair rate comparison.
Volkswagen Routan insurance charts and tables
The coverage table displayed below highlights different prices for Volkswagen Routan models. Having insight into how insurance rates are established is important to be able to make decisions when choosing a new policy provider.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Routan S 2WD||$182||$292||$424||$26||$128||$1,052||$88|
|Routan SE 2WD||$204||$354||$424||$26||$128||$1,136||$95|
|Routan SEL 2WD||$204||$418||$424||$26||$128||$1,200||$100|
|Routan SEL Premium 6 Cyl 2WD||$228||$418||$424||$26||$128||$1,224||$102|
|Get Your Own Custom Quote Go|
Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Rate information does not factor in specific location which can raise or lower rates noticeably.
How careless driving impacts San Jose car insurance rates
The illustration below highlights how traffic violations and accidents can affect Volkswagen Routan insurance costs for different age groups of insureds. The premiums are based on a single male driver, full coverage, $100 deductibles, and no additional discounts are factored in.
Local San Jose insurance agencies and insurance
A lot of people would prefer to get professional advice from a licensed agent and that is not a bad decision Good insurance agents can help you choose the best coverages and help in the event of a claim. One of the great benefits of getting online price quotes is the fact that drivers can get lower prices and still buy from a local agent. And providing support for local agents is still important in San Jose.
For easy comparison, once you complete this short form, your insurance data is immediately sent to participating agents in San Jose who will give competitive quotes and help you find cheaper coverage. You never need to leave your house due to the fact that quote results will go to you instantly. If you need to get a rate quote from a particular provider, you would need to visit that company’s website and complete a quote there.
Two types of auto insurance agents
If you prefer to buy insurance from a local insurance agency, it helps to know the two different types of agents and how they differ in how they can insure your vehicles. Agents in San Jose can be classified as either independent or exclusive depending on the company they work for. Either type can properly insure your vehicles, but it is a good idea to know the subtle differences because it can impact the type of agent you choose.
Independent Agents (or Brokers)
Independent agents do not sell for just one brand so they can insure your vehicles with a variety of different insurance companies enabling the ability to shop coverage around. To move your coverage to a new company, they can switch companies in-house and you stay with the same agent. If you need lower rates, it’s a good idea to compare quotes from at least one independent agent to get the best comparison.
Listed below is a small list of independent insurance agents in San Jose who can help you get price quote information.
Sergio Plascencia Insurance Agency
3136 Story Rd – San Jose, CA 95127 – (408) 254-8336 – View Map
Exclusive Insurance Agencies
Exclusive agents normally can only provide a single company’s rates like Farmers Insurance or State Farm. They usually cannot provide prices from multiple companies so keep that in mind. Exclusive insurance agents are highly trained on their company’s products which helps offset the inability to provide other markets.
Listed below is a list of exclusive insurance agencies in San Jose who can help you get price quotes.
Choosing the best insurance agent should depend on more than just the price. The answers to these questions are important, too.
- Is the quote a firm price?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- How much experience to they have in personal lines coverages?
- Does the agency have a current Errors and Omissions policy?
- Does the agent recommend any additional coverage?
Insurance does more than just protect your car
Despite the high cost of buying insurance for a Volkswagen Routan in San Jose, insurance is required for several reasons.
First, just about all states have minimum mandated liability insurance limits which means the state requires specific limits of liability insurance coverage in order to drive the car legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if your Routan has a loan, almost all lenders will have a requirement that you carry insurance to guarantee their interest in the vehicle. If you do not keep the policy in force, the lender will be forced to insure your Volkswagen at a much higher rate and make you pay much more than you were paying before.
Third, insurance protects both your Volkswagen Routan and your assets. It will also provide coverage for hospital and medical expenses for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, also pays for attorney fees and expenses in the event you are sued. If you have damage to your Volkswagen as the result of the weather or an accident, your insurance policy will pay to repair the damage minus the deductible amount.
The benefits of buying enough insurance more than offset the price you pay, especially if you ever need it. The average driver in America overpays more than $869 every year so it’s recommended you shop around every year to be sure current rates are still competitive.
Information about specific coverages
Having a good grasp of your policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverage types found on the average car insurance policy.
This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims like theft, hitting a deer, hitting a bird and a tree branch falling on your vehicle. The maximum amount your car insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Medical expense coverage
Coverage for medical payments and/or PIP provide coverage for expenses for things like pain medications, prosthetic devices and X-ray expenses. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
Collision insurance pays for damage to your Routan resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.
Collision coverage pays for things like rolling your car, colliding with a tree, scraping a guard rail, hitting a mailbox and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also bump up the deductible on your Routan to get cheaper collision coverage.
Uninsured or underinsured coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and damage to your Volkswagen Routan.
Since many California drivers carry very low liability coverage limits (which is 15/30/5), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Normally the UM/UIM limits are similar to your liability insurance amounts.
Liability coverage will cover damages or injuries you inflict on other’s property or people. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 15/30/5 that means you have $15,000 bodily injury coverage, $30,000 for the entire accident, and $5,000 of coverage for damaged property. Occasionally you may see one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.
Liability coverage protects against things such as loss of income, repair costs for stationary objects and emergency aid. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible. California requires minimum liability limits of 15/30/5 but you should think about purchasing more liability than the minimum.
The chart below shows why low liability limits may not be enough.
Find cheaper car insurance prices by comparing often
We covered a lot of tips how to lower your Volkswagen Routan insurance prices in San Jose. The key concept to understand is the more companies you get rates for, the better your comparison will be. Drivers may even discover the lowest prices come from a small local company. Some small companies may only write in your state and offer lower rates as compared to the big name companies such as Allstate and Progressive.
When searching for affordable San Jose auto insurance quotes, you should never buy poor coverage just to save money. In many instances, an accident victim reduced uninsured motorist or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to buy the best coverage you can find at the best possible price, not the least amount of coverage.
Lower-priced car insurance in San Jose can be bought from both online companies and from local insurance agents, so you need to quote San Jose auto insurance with both in order to have the best chance of saving money. Some insurance providers do not offer online quoting and most of the time these small, regional companies only sell through local independent agents.
Steps to finding lower priced Volkswagen Routan insurance in San Jose
Really, the only way to get cheaper Volkswagen Routan insurance is to start doing an annual price comparison from companies who provide car insurance in San Jose. Price quotes can be compared by following these guidelines.
- Take a little time to learn about how companies set rates and the things you can change to prevent rate increases. Many rating factors that result in higher prices such as multiple speeding tickets and a bad credit rating can be controlled by making minor changes in your lifestyle.
- Obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can give quotes from a single company like GEICO or Allstate, while independent agents can give you price quotes from multiple insurance companies.
- Compare the new quotes to the price on your current policy to see if you can save by switching companies. If you can save money, verify that coverage does not lapse between policies.
- Provide adequate notice to your current company of your decision to cancel your current coverage. Submit a down payment and signed policy application to your new carrier. As soon as you can, put the new proof of insurance certificate with your registration paperwork.
An essential thing to point out is to use the same coverage limits and deductibles on every quote request and and to compare as many car insurance companies as possible. Doing this helps ensure a fair rate comparison and many rates to choose from.
More detailed car insurance information can be found by following these links:
- Driving in Bad Weather (Insurance Information Institute)
- What Car Insurance is Cheapest for a Chevrolet Equinox in San Jose? (FAQ)
- How Much are Auto Insurance Quotes for a Toyota 4Runner in San Jose? (FAQ)
- Who Has Cheap Car Insurance for a Ford F-150 in San Jose? (FAQ)
- Who Has Affordable Auto Insurance for Good Students in San Jose? (FAQ)
- What Insurance is Cheapest for 16 Year Olds in San Jose? (FAQ)
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
- Senior Drivers (Insurance Information Institute)
- Bodily Injury Coverage (Liberty Mutual)