Compare Volkswagen Routan Insurance Rate Quotes in Bakersfield

The best way we recommend to get low-cost auto insurance rates is to regularly compare prices from companies who sell insurance in Bakersfield.

First, it will benefit you to learn about what is in your policy and the changes you can make to keep rates low. Many things that cause rate increases such as getting speeding tickets and poor credit can be improved by making minor changes in your lifestyle.

Second, compare price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from a single company like Progressive or Allstate, while independent agents can quote prices from many different companies.

Third, compare the new quotes to your current policy to see if cheaper Routan coverage is available in Bakersfield. If you can save money and buy the policy, ensure there is no coverage lapse between policies.

The most important part of this process is to try to use the same coverage limits and deductibles on each quote and and to get rates from as many different insurance providers as possible. Doing this helps ensure a fair rate comparison and a thorough selection of prices.

Insurance rates Volkswagen Routan in BakersfieldIt’s an obvious assumption that auto insurance companies don’t want you comparing rates. Consumers who compare rates annually are very likely to buy a new policy because the odds are good of finding a lower-priced company. Surprisingly, a recent survey revealed that drivers who made a habit of comparing rates saved as much as $3,400 over four years compared to policyholders who never shopped around for better prices.

If finding the best price on Volkswagen Routan insurance in Bakersfield is your target objective, learning how to shop and compare insurance can make the process more efficient.

How Insurers Determine Volkswagen Routan Insurance Premiums

An important part of buying insurance is that you know some of the elements that go into determining car insurance rates. When you understand what determines base rates, this helps enable you to make changes that could help you find lower rates. Many factors are used in the calculation when quoting car insurance. Most are fairly basic like a motor vehicle report, but other criteria are more obscure like your vehicle usage or your commute time.

Listed below are some of the factors car insurance companies consider when setting your rate level.

Safety first – Cars with five star safety ratings get lower rates. Highly rated vehicles result in less severe injuries and fewer injuries means less claims paid and lower rates for you.

Do you work long hours in a high stress occupation? – Did you know your job can affect your rates? Careers such as military generals, executives, and stock brokers tend to have higher rates than average because of high stress and lots of time spent at work. Other jobs such as professors, athletes and performers generally pay rates lower than average.

Insurance companies don’t like frequent policy claims – Car insurance companies in California award the best rates to people who do not rely on their insurance for small claims. If you are a frequent claim filer, you can look forward to increased rates or even have your policy non-renewed. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.

Big city or small town – Residing in a small town can be a good thing when trying to find low car insurance rates. City drivers have much more traffic and much longer commute distances. Fewer people translates into fewer accidents and a lower car theft rate.

Rates and information analytics

The information shown below showcases estimates of prices for Volkswagen Routan models. Learning a little about how insurance prices are established is important for drivers to make smart choices when comparing insurance rates.

Volkswagen Routan Insurance Rates in Bakersfield, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Routan S 2WD $262 $392 $354 $20 $106 $1,134 $95
Routan SE 2WD $296 $478 $354 $20 $106 $1,254 $105
Routan SEL 2WD $296 $562 $354 $20 $106 $1,338 $112
Routan SEL Premium 6 Cyl 2WD $330 $562 $354 $20 $106 $1,372 $114
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Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Rate information does not factor in your specific Bakersfield location which can impact rates greatly.

Higher deductibles lower rates

One of the hardest decisions when shopping for auto insurance is how high or low should comp and collision deductibles be. The comparison tables below can help you understand the rate differences between low and high deductibles. The first set of rates uses a $100 deductible and the second rate chart uses a $1,000 deductible.

Volkswagen Routan insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Routan S 2WD $380 $564 $376 $22 $112 $1,479 $123
Routan SE 2WD $430 $686 $376 $22 $112 $1,651 $138
Routan SEL 2WD $430 $810 $376 $22 $112 $1,775 $148
Routan SEL Premium 6 Cyl 2WD $478 $810 $376 $22 $112 $1,823 $152
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Volkswagen Routan insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Routan S 2WD $210 $298 $376 $22 $112 $1,018 $85
Routan SE 2WD $238 $362 $376 $22 $112 $1,110 $93
Routan SEL 2WD $238 $426 $376 $22 $112 $1,174 $98
Routan SEL Premium 6 Cyl 2WD $266 $426 $376 $22 $112 $1,202 $100
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Price information does not factor in vehicle garaging location which can alter prices substantially.

Based on the figures above, using a $100 deductible would cost the average driver about $46 more each month or $552 each year across all Volkswagen Routan models than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you have at a minimum 20 months between claims, you would most likely save money if you choose a higher deductible. The table below shows an example of how you can perform this determination yourself.

Average monthly premium for $100 deductibles: $140
Average monthly premium for $1,000 deductibles (subtract): – $94
Monthly savings from raising deductible: $46
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $46
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 20 months

One important issue to know is that increasing deductibles to save money means you will have to cover more of the damage yourself if you have a claim. You need to make sure you have some savings in the bank in the event you have to pay the deductible.

Auto insurance premiums based on gender

The diagram below shows the comparison of Volkswagen Routan insurance rates for male and female drivers. The prices are based on no claims or violations, full coverage, $500 deductibles, drivers are not married, and no discounts are applied to the premium.

Discounts for cheaper car insurance quotes

Some insurance providers don’t always publicize all discounts in a way that’s easy to find, so we break down both well-publicized and also the more inconspicuous credits that may apply to you.Save money with discounts

Consumers should know that most discount credits are not given to all coverage premiums. Some only reduce specific coverage prices like collision or personal injury protection. So even though they make it sound like you could get a free car insurance policy, you won’t be that lucky.

The chart below illustrates the difference between Volkswagen Routan annual premium costs with and without discounts applied to the premium. The price estimates are based on a male driver, no accidents or driving violations, California state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-policy, safe-driver, homeowner, and multi-car discounts applied.

A partial list of companies that may offer quotes with these benefits may include but are not limited to:

When getting a coverage quote, ask each company which discounts they offer. Some of the earlier mentioned discounts may not be offered in your area. For a list of companies that offer the discounts shown above in California, click here.

Cheap insurance rates are possible

In this article, we presented some good ideas how to save on Volkswagen Routan insurance in Bakersfield. The key thing to remember is the more companies you get prices for, the more likely it is that you will get a better rate. Drivers may even discover the lowest priced insurance comes from a lesser-known regional company.

Consumers switch companies for any number of reasons including policy non-renewal, an unsatisfactory settlement offer, being labeled a high risk driver or even extreme rates for teen drivers. It doesn’t matter what your reason, choosing a new company can be pretty painless.

Low-cost Volkswagen Routan insurance in Bakersfield can be found on the web in addition to local insurance agencies, and you need to price shop both so you have a total pricing picture. Some insurance companies don’t offer rates over the internet and usually these smaller companies provide coverage only through independent insurance agencies.

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