It goes without saying that insurance companies don’t want you comparing rates. Insureds who get comparison quotes at least once a year will, in all likelihood, switch to a new company because they have good chances of finding discount prices. A study discovered that drivers who compared rates regularly saved over $865 annually as compared to drivers who never shopped around for better prices.
If finding the lowest price on insurance is your objective, then knowing how to quote prices and compare coverage rates can help make the process easier.
To save the most money, the best way to save money on Volkswagen Routan insurance in Long Beach is to compare prices annually from insurers who can sell car insurance in California.
- Step 1: Learn about how insurance works and the measures you can control to prevent expensive coverage. Many risk factors that result in higher prices such as getting speeding tickets and an unacceptable credit score can be improved by paying attention to minor details.
- Step 2: Request rate estimates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give rate quotes from one company like GEICO and State Farm, while independent agents can quote prices for a wide range of companies.
- Step 3: Compare the price quotes to your existing policy to determine if you can save on Routan insurance in Long Beach. If you find better rates, ensure coverage does not lapse between policies.
A crucial key to this process is to make sure you’re comparing the same physical damage deductibles and liability limits on each quote and and to get price quotes from all possible companies. This enables the most accurate price comparison and the best price quote selection.
Finding quotes for the cheapest policy in Long Beach is not as time-consuming as you think. Basically, each driver who shops around for insurance will probably be able to find lower rates. But California consumers need to learn how big insurance companies calculate your insurance rates.
Cheapest companies for Volkswagen Routan insurance in California
The companies shown below are ready to provide quotes in California. If multiple companies are listed, we recommend you compare several of them to get the cheapest price.
Coverage statistics and figures
The information shown next showcases different insurance policy prices for Volkswagen Routan models. Being aware of how premiums are figured can help you make smart choices when purchasing an insurance policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Routan S 2WD||$334||$544||$454||$26||$136||$1,494||$125|
|Routan SE 2WD||$378||$662||$454||$26||$136||$1,656||$138|
|Routan SEL 2WD||$378||$780||$454||$26||$136||$1,774||$148|
|Routan SEL Premium 6 Cyl 2WD||$420||$780||$454||$26||$136||$1,816||$151|
|Get Your Own Custom Quote Go|
Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Price estimates do not factor in Long Beach location which can influence prices significantly.
How careless driving impacts Long Beach auto insurance rates
The diagram below illustrates how violations and at-fault collisions drive up Volkswagen Routan car insurance costs for each age group. The rate quotes are based on a married female driver, comp and collision included, $250 deductibles, and no discounts are applied.
Full coverage versus liability only rates
The chart below illustrates the comparison of Volkswagen Routan auto insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in California. The rate quotes are based on a clean driving record, no at-fault accidents, $250 deductibles, single marital status, and no other discounts are factored in.
Guidelines for eliminating full coverage
There is no exact formula of when to phase out comp and collision coverage, but there is a general guideline. If the yearly cost of comp and collision coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.
For example, let’s assume your Volkswagen Routan replacement cost is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would receive is $6,000 after the policy deductible has been paid. If you are paying over $600 a year for physical damage coverage, then it might be time to consider dropping full coverage.
There are some conditions where dropping full coverage is not financially feasible. If you haven’t satisfied your loan, you have to carry full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should keep full coverage on your policy.
Get cheaper Volkswagen Routan insurance rates in Long Beach
Insuring your fleet can be pricey, but discounts can save money and there are some available that many people don’t even know exist. Certain discounts will be applied when you get a quote, but some discounts are required to be specially asked for prior to getting the savings. If you do not check that you are getting every discount possible, you could be getting lower rates.
- Homeowners Savings – Just owning your own home can save a few bucks because of the fact that having a home is proof that your finances are in order.
- Switch and Save Discount – Some insurance companies give discounts for signing up before your current expiration date. Ten percent is about the average savings.
- Professional Memberships – Participating in qualifying clubs or civic groups can get you a small discount on your next renewal.
- Multiple Policy Discount – If you can combine your homeowners and auto policy and place coverage with the same company you could get a discount of 10% to 20% off each policy.
- Full Payment Discount – If you pay your bill all at once as opposed to paying monthly you may have a lower total premium amount.
- Save with More Vehicles Insured – Buying insurance for multiple vehicles on a single policy could earn a price break for each car.
Keep in mind that most discounts do not apply to the entire cost. Most only apply to specific coverage prices like medical payments or collision. Even though the math looks like you would end up receiving a 100% discount, nobody gets a free ride.
The example below shows the comparison of Volkswagen Routan insurance costs with and without discounts being applied to the rates. The data is based on a female driver, no accidents or driving violations, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, claim-free, marriage, homeowner, and multi-policy discounts applied.
A few companies that may include most of these discounts are:
If you are trying to find low cost Long Beach car insurance quotes, ask all companies you are considering which discounts they offer. Some discounts might not be offered in every state.
Get rate quotes but work with a local neighborhood Long Beach car insurance agent
Certain consumers just want to buy from a local agent and that is not a bad decision A good thing about comparing insurance prices online is that you can obtain the lowest rates and also buy local. And buying from neighborhood insurance agencies is important especially in Long Beach.
For easy comparison, once you complete this simple form, the coverage information is immediately sent to companies in Long Beach that give free quotes and help you find cheaper coverage. It makes it easy because there is no need to search for any insurance agencies because quoted prices will be sent to you. You can find lower rates AND a local agent. If you want to compare rates from a specific company, you can always go to their quote page and submit a quote form there.
If you want to use a good insurance agency, it’s helpful to know the different agency structures to choose from. Agents can either be independent or exclusive.
Agents in the independent channel are normally appointed by many insurers so they can quote policies through many different insurance companies and find you the best rates. If you want to switch companies, an independent agent can move your coverage and you don’t have to do anything. If you are comparing rate quotes, we recommend you compare prices from multiple independent agents so that you can do a thorough price comparison.
The following is a partial list of independent agents in Long Beach that may be able to give rate quotes.
Exclusive Insurance Agencies
These agents are contracted to one company such as State Farm, Allstate and AAA. They usually cannot give you multiple price quotes so you need to shop around if the rates are high. These agents are highly trained on the products they sell and that enables them to sell even at higher rates.
Listed below are Long Beach exclusive agents willing to provide price quotes.
Picking an car insurance agent should include more criteria than just a cheap quote. Agents should be asked these questions:
- What will you get paid if your car is a total loss? How is that amount determined?
- How long have they worked with personal auto insurance coverage?
- Will your rates increase after a single accident?
- Are there any discounts for paying up front?
- Do they have designations such as AIC, CPCU, or CIC?
- Is every driver in your family covered?
Different people need different auto insurance coverages
When it comes to choosing the best auto insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. You are unique.
For example, these questions can aid in determining if you might need professional guidance.
- When should I not file a claim?
- Should I buy additional glass protection?
- Does my Volkswagen Routan qualify for pleasure use?
- What is PIP insurance?
- Will damage be repaired with OEM parts?
- What is UM/UIM insurance?
- How much coverage applies to personal belongings?
- Does my policy cover me when driving someone else’s vehicle?
- Should I buy more coverage than the required California minimum liability coverage?
If you don’t know the answers to these questions, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form.
Car insurance policy specifics
Learning about specific coverages of car insurance can be of help when determining the best coverages and proper limits and deductibles. Car insurance terms can be impossible to understand and nobody wants to actually read their policy.
Comprehensive coverage (or Other than Collision) – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive insurance covers things such as damage from a tornado or hurricane, damage from getting keyed, rock chips in glass and damage from flooding. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Collision coverage – This coverage pays for damage to your Routan caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision insurance covers things like crashing into a ditch, colliding with a tree, crashing into a building and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also choose a higher deductible on your Routan in order to get cheaper collision rates.
Coverage for liability – Liability coverage provides protection from damage that occurs to other’s property or people that is your fault. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 15/30/5 which stand for a $15,000 limit per person for injuries, $30,000 for the entire accident, and a limit of $5,000 paid for damaged property. Another option is a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.
Liability insurance covers things like repair costs for stationary objects, repair bills for other people’s vehicles, attorney fees, structural damage and loss of income. How much liability coverage do you need? That is your choice, but buy higher limits if possible. California requires minimum liability limits of 15/30/5 but it’s recommended drivers buy higher limits.
The next chart demonstrates why buying minimum limits may not be enough.
Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and damage to your Volkswagen Routan.
Due to the fact that many California drivers only purchase the least amount of liability that is required (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 important protection for you and your family. Normally these limits are similar to your liability insurance amounts.
Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for doctor visits, X-ray expenses and hospital visits. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage
Drivers change insurance companies for a number of reasons such as being labeled a high risk driver, extreme rates for teen drivers, delays in responding to claim requests or not issuing a premium refund. Regardless of your reason for switching companies, switching companies is not as hard as you think.
Affordable Volkswagen Routan insurance in Long Beach is possible online and from local agencies, so you should compare both to get a complete price analysis. A few companies may not have the ability to get a quote online and usually these smaller providers provide coverage only through independent agents.
You just learned some good ideas how you can compare Volkswagen Routan insurance premium rates in Long Beach. The key thing to remember is the more quotes you get, the better your chances of lowering your prices. Consumers could even find that the best premium rates are with a small mutual company.
To learn more, take a look at the resources below:
- Red Light Cameras (State Farm)
- Who Has Affordable Long Beach Car Insurance Rates for a Ford Explorer? (FAQ)
- Auto Insurance Basics (Insurance Information Institute)
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
- Get the Right Protection (InsureUonline.org)