Auto Insurance Quotes for a Volkswagen Routan in Phoenix

Are you drained from paying out the nose to pay auto insurance each month? You are no different than many other people in Arizona.

A recent study showed that nearly 70% of drivers kept buying from the same company for well over three years, and nearly the majority have never compared rates from other carriers. With the average auto insurance premium being $1,578, Arizona drivers could cut their rates by up to $733 a year by just shopping around, but they just don’t want to shop their coverage around.

Online insurance companies like GEICO, Farmers Insurance and State Farm increase brand awareness with advertising and it can be hard to ignore the promise of big savings and effectively compare rates to find the best deal.

If you have a policy now, you will surely be able to buy cheaper auto insurance using the concepts covered in this article. Finding the cheapest auto insurance coverage in Phoenix is really quite simple as long as you have a good starting point. Nevertheless, Arizona car owners should learn how companies market on the web because rates are impacted by many factors.

Most of the larger companies allow you to get prices for coverage on their websites. Getting quotes for Volkswagen Routan insurance in Phoenix is pretty painless as you simply enter the coverages you want into a form. Upon sending the form, the company’s rating system will order your driving and credit reports and gives you a price quote based on these factors. Getting online rate quotes for Volkswagen Routan insurance in Phoenix helps simplify price comparisons, and it is imperative to do this if you want to find a better rate.

To compare rates using this form now, consider comparing rates from the companies shown below. If you have your current policy handy, we recommend you type in the insurance coverages exactly as they are listed on your policy. This makes sure you will have comparison quotes for exact coverage.

The companies shown below provide comparison quotes in Arizona. If multiple companies are shown, we recommend you compare several of them to get a more complete price comparison.

Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Information does not factor in garaging location in Phoenix which can influence premiums greatly.

Higher deductibles save money

The chart below demonstrates how deductible levels and can affect Volkswagen Routan insurance prices for different age groups. Data assumes a single male driver, full coverage, and no policy discounts are applied.

Poor driving habits will raise your auto insurance rates

The information below demonstrates how speeding tickets and at-fault accidents can raise Volkswagen Routan insurance costs for each different age group. The rates are based on a single female driver, full physical damage coverage, $250 deductibles, and no discounts are applied to the premium.

Auto insurance deductibles

The hardest decision when buying coverage is how high or low should comp and collision deductibles be. The data tables below lay out the costs and benefits when you select higher and lower policy deductibles. The first data table uses a $100 physical damage deductible and the second price chart uses a $500 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Rates do not factor in vehicle garaging location which can revise coverage rates significantly.

We can estimate from the data above that using a $100 deductible costs about $22 more each month or $264 each year than buying the higher $500 deductible. Due to the fact that you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you go more than 18 months between claims, you would probably save some money if you choose the higher deductible.

Slash rates with these discounts

Some providers do not list all their discounts in an easy-to-find place, so the list below contains a few of the more well known and also the more inconspicuous credits available to you.

• Save with More Vehicles Insured – Drivers who insure multiple cars or trucks with the same company can get a discount for every vehicle.
• Discounts for Seat Belt Usage – Buckling up and requiring all passengers to use a seat belt can save 10% or more off the personal injury premium cost.
• Low Mileage Discounts – Low mileage vehicles can qualify you for cheaper rates.
• Policy Bundle Discount – If you can combine your auto and homeowners policy and insure them with the same company you may save as much as 10 to 15 percent.
• Student Discount for Driver Training – Teen drivers should successfully complete driver’s ed class in school.
• Early Signing – Some companies give discounts for signing up before your current coverage expires. This discount can save up to 10%.
• Theft Prevention System – Cars equipped with anti-theft or alarm systems help deter theft so companies will give you a small discount.

It’s important to understand that some of the credits will not apply to the whole policy. Some only reduce individual premiums such as comprehensive or collision. So even though you would think you can get free auto insurance, it doesn’t quite work that way. But all discounts will help lower your policy cost.

Car insurance companies that may offer policyholders many of the previously listed discounts are:

• Farm Bureau
• MetLife
• Progressive
• AAA
• American Family
• GEICO
• State Farm

When getting a coverage quote, ask every insurance company how many discounts you can get. Discounts may not apply to policies in your state. If you would like to view insurance companies with discount rates in Arizona, follow this link.

Lower Your Phoenix Insurance Prices

Lots of things are part of the equation when quoting car insurance. Some of the criteria are obvious such as your driving record, but some are more transparent such as your credit history or how financially stable you are. One of the most helpful ways to save on car insurance is to to have a grasp of some of the factors that aid in calculating your premiums. If you know what controls the rates you pay, this allows you to make good choices that may result in much lower annual insurance costs.

Limits of liability coverage – Your car insurance policy’s liability coverage is the protection when you are found to be at fault for causing personal injury or damage in an accident. This coverage provides for a legal defense starting from day one. It is affordable coverage compared to physical damage coverage, so drivers should carry high limits.

Increase comp and collision deductibles to save – Physical damage coverage, also called comprehensive and collision insurance, protects your Volkswagen from damage. Examples of covered claims would be colliding with a building, flood damage, and damage caused by flying debris. Deductibles for physical damage tell how much you are willing to pay if the claim is covered. The more money you are required to pay out-of-pocket, the lower your rates will be.

How credit score affects car insurance premiums – Having a bad credit score will be a significant factor in determining what you pay. If your credit history could use some work, you could pay less to insure your Volkswagen Routan by spending a little time repairing your credit. Drivers with good credit tend to be better drivers and file fewer claims as compared to drivers with bad credit.

Location can impact price – Residing in areas with lower population can save you money when buying car insurance. Residents of big cities regularly have much more traffic and longer commutes to work. Fewer drivers and short commutes translates into fewer accidents in addition to fewer liability claims.

Lower stress equals lower rates – Careers like real estate brokers, architects and accountants generally have higher average rates attributed to high stress and long work days. On the flip side, careers such as professors, historians and homemakers have the lowest average rates.

Allowing your coverage to lapse raises premiums – Allowing your car insurance policy to lapse is a quick way to increase your rates. Not only will you pay higher rates, not being able to provide proof of insurance might get you a hefty fine and possibly a revoked license. You may have to provide proof of insurance in the form of an SR-22 filing with the Arizona motor vehicle department to get your license reinstated.

Insurance premiums and driver gender – Over the last 30 years, statistics show that females tend to be a little less risky than males. The data does not necessarily mean that females are better drivers. Both genders tend to get into auto accidents at a similar rate, but males have costlier accidents. Not only are claims higher, but men get more serious tickets like reckless driving and DUI. Young men ages 16 to 20 cause the most accidents so it costs more to insure them.

Are car insurance agents a thing of the past?

Certain consumers just want to talk to a local agent and doing that can be a smart decision An additional benefit of comparing rates online is that you can obtain cheap auto insurance quotes and still have an agent to talk to.

After completing this simple form, your insurance coverage information is submitted to local insurance agents that can provide free Phoenix auto insurance quotes for your business. You never need to even leave your home because quoted prices will be sent immediately to you. You can find lower rates and a licensed agent to talk to. If you wish to get a comparison quote from a specific company, you can always search and find their rate quote page and fill out the quote form the provide.

Finding a good company shouldn’t rely on just a cheap quote. A good agent in Phoenix will have answers to these questions.

• What insurance companies do they recommend if they are an independent agent?
• How would your car be valued if totalled?
• Do they assist clients in filing claims?
• Will the quote change when the policy is issued?
• Do they offer claims assistance after hours?
• Do they reduce claim amounts on high mileage vehicles?

When looking for local Phoenix agents, it’s helpful to know the different types of agents and how they differ in how they quote coverages. Phoenix agents may be either independent or exclusive.

Exclusive Auto Insurance Agencies

These type of agents can only place business with one company and some examples include Allstate, Farmers Insurance or State Farm. Exclusive agents are unable to give you multiple price quotes so you need to shop around if the rates are high. Exclusive agents are well schooled on their company’s products which helps them compete with independent agents.

Listed below is a list of exclusive agencies in Phoenix that can give you price quote information.

More Phoenix agents

Independent Agents

These agents can quote rates with many companies so they can insure your vehicles through lots of different companies enabling the ability to shop coverage around. If they find a cheaper price, they can switch companies in-house and that require little work on your part. If you need cheaper auto insurance rates, you absolutely need to compare prices from at least one independent agent so that you can do a thorough price comparison.

Shown below are independent insurance agencies in Phoenix that are able to give price quotes.

More Phoenix agents

Don’t give up on cheap rates

More affordable car insurance in Phoenix can be bought both online as well as from insurance agents, so get free Phoenix auto insurance quotes from both of them so you have a total pricing picture. There are still a few companies who do not offer internet price quotes and many times these smaller companies only sell coverage through independent agents.

When shopping online for car insurance, make sure you don’t reduce needed coverages to save money. Too many times, drivers have reduced uninsured motorist or liability limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

You just learned quite a bit of information on how to shop for Volkswagen Routan insurance online. It’s most important to understand that the more you quote Phoenix auto insurance, the more likely it is that you will get a better rate. Consumers could even find that the lowest auto insurance rates are with the smaller companies. Smaller companies may only write in your state and offer lower premium rates than their larger competitors like Allstate, GEICO and Progressive.

Much more information about car insurance in Arizona can be found below:

• How Can I Save Money on Auto Insurance? (Insurance Information Institute)
• Who Has Cheap Phoenix Car Insurance Quotes for a Toyota Corolla? (FAQ)
• Who Has Cheap Phoenix Auto Insurance Quotes for Drivers with Good Credit? (FAQ)
• Who Has Affordable Auto Insurance for Young Drivers in Phoenix? (FAQ)
• Who Has the Cheapest Phoenix Auto Insurance for Low Mileage Drivers? (FAQ)
• Insurance Losses by Make and Model (iihs.org)
• What to do at the Scene of an Accident (Insurance Information Institute)
• Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)