Compare Volkswagen Routan Insurance Quotes in Lexington

Searching for more competitive insurance rates in Lexington, KY? Lexington drivers have a choice when trying to find low-cost Volkswagen Routan insurance. You can either spend your time calling around to get rate comparisons or use the internet to find the lowest rates.

There are more efficient ways to shop for insurance and you need to know the proper way to compare rates for your Volkswagen and find the lowest possible price from both online companies and Lexington agents.

It’s a good idea to get comparison quotes occasionally since prices are rarely the same from one policy term to another. Just because you found the lowest quotes on Volkswagen Routan insurance in Lexington last year a different company probably has better rates today. You can find a lot of wrong information about Routan insurance online but you can learn a lot of great tips on how to put money back in your pocket.

If you’re already insured or need a new policy, you can use these techniques to lower your rates without sacrificing coverage. The goal of this article is to familiarize you with how auto insurance companies operate. Vehicle owners just need to learn the tricks to get comparison rates on the web.

The providers in the list below provide price comparisons in Kentucky. To get the cheapest car insurance in Lexington, it’s a good idea that you click on several of them to get the best price comparison.

You may qualify for discounts for Volkswagen Routan insurance in Lexington

Car insurance companies don’t necessarily list all their discounts in a way that’s easy to find, so we break down a few of the more common and also the more inconspicuous ways to save on auto insurance.

• Driver Safety – Passing a course teaching defensive driver skills could cut 5% off your bill and make you a better driver.
• Mature Driver Discount – Older drivers could receive reduced rates.
• Discount for Passive Restraints – Vehicles equipped with air bags can get savings of more than 20%.
• Discount for Swiching Early – Some companies reward drivers for signing up prior to the expiration date on your current Routan insurance policy. The savings is around 10%.
• Discounts for Seat Belt Usage – Drivers who require all occupants to use their safety belts can save up to 15% on the premium charged for medical payments and/or PIP.
• Discounts for Good Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates than their less cautious counterparts.
• Anti-theft System – Cars and trucks that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.

Policy discounts save money, but most discounts do not apply to the overall cost of the policy. The majority will only reduce individual premiums such as liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, you’re out of luck.

The example below illustrates the difference between Volkswagen Routan car insurance rates with and without discounts applied to the premium. Data assumes a male driver, no claims or driving violations, Kentucky state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, claim-free, safe-driver, multi-policy, and marriage discounts applied.

A few of the larger companies and their offered discounts can be read below.

• State Farm policyholders can earn discounts including defensive driving training, student away at school, good student, good driver, and safe vehicle.
• GEICO discounts include five-year accident-free, multi-policy, multi-vehicle, anti-theft, anti-lock brakes, defensive driver, and daytime running lights.
• Liberty Mutual has discounts for multi-policy, newly retired, exclusive group savings, newly married, new move discount, and good student.
• The Hartford may include discounts for vehicle fuel type, defensive driver, bundle, good student, anti-theft, and driver training.
• MetLife offers discounts including multi-policy, accident-free, claim-free, defensive driver, good driver, good student
• Progressive has savings for continuous coverage, online signing, multi-policy, multi-vehicle, and homeowner.

If you need affordable Lexington auto insurance quotes, ask each company which credits you are entitled to. All car insurance discounts may not apply to policies in Lexington. To locate auto insurance companies who offer free Volkswagen Routan insurance quotes in Kentucky, click here to view.

Volkswagen Routan detailed coverage information

The rate table displayed next showcases detailed analysis of insurance prices for Volkswagen Routan models. Knowing how insurance quotes are established can help guide drivers when making smart choices when selecting a policy.

Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Table data does not factor in vehicle location which can raise or lower prices considerably.

Auto insurance deductibles

A question often asked by Lexington drivers is at what level do you set your deductibles. The following insurance rates illustrate the differences in price between high and low comp and collision deductibles. The first data table uses a $100 comprehensive and collision deductible and the second pricing table uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Kentucky minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Information does not factor in garaging location in Lexington which can lower or raise insurance rates substantially.

Using the premium rates above, we can conclude that using a $100 deductible will cost in the ballpark of $23 more each month or $276 for a full year than choosing the higher $500 deductible. Due to the fact that you would have to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you normally go at a minimum 17 months between claims, you would more than likely save some money if you opt for a higher deductible.

An important thing to remember is that increasing deductibles to lower your rates means you pay more out-of-pocket when you have to file a claim. You should have some savings in the bank in order to pay the deductible to have repairs made.

Full coverage rates vs. liability-only in Lexington

The information below illustrates the comparison of Volkswagen Routan car insurance costs with full coverage and liability only. Data assumes no claims, a clean driving record, $250 deductibles, single status, and no policy discounts are applied.

When to eliminate full coverage

There is no set rule that works best for making the decision to drop full coverage, but there is a general school of thought. If the yearly cost for physical damage coverage is 10% or more of the settlement you would receive from your company, then you might want to consider buying only liability coverage.

For example, let’s assume your Volkswagen Routan claim settlement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company will settle for is $8,000 after you pay the deductible. If it’s costing you more than $800 annually to have full coverage, then you might want to consider buying only liability coverage.

There are a few situations where only buying liability is not a good plan. If you haven’t satisfied your loan, you are required to maintain full coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should keep full coverage in place.

Lower Your Lexington Insurance Premiums

Lots of factors are taken into consideration when quoting car insurance. Some are obvious like an MVR report, but some are less apparent like your vehicle usage or your vehicle rating. An important part of buying insurance is that you know the factors that are used to determine your premiums. When you know what positively or negatively influences your rates, this helps enable you to make changes that may reward you with lower premium levels.

• Do you work long hours in a stressful occupation? – Did you know your career choice can influence rates? Occupations like fire fighters, architects, and miners usually pay higher rates than average in part from intense work situations and lengthy work days. Conversely, occupations such as actors, historians and homemakers pay the least.
• Bundle policies and save money – Most major insurance companies provide better rates to buyers who buy several policies from them such as combining an auto and homeowners policy. If you currently are using one company, it’s still a good idea to compare other company rates to help guarantee you have the best rates.
• Where you live can impact premiums – Choosing to live in small towns and rural areas can save you money when it comes to auto insurance. City drivers regularly have much more traffic and a longer drive to work. Less people living in that area corresponds to lower accident rates and also fewer theft and vandalism claims.
• Cheap rates for being claim-free – If you are a frequent claim filer, you can pretty much guarantee either a policy non-renewal or much higher rates. Insurance companies in Kentucky award most affordable rates to insureds who do not file claims often. Your car insurance is intended to be relied upon for major claims that would cause financial hardship.