Find Affordable Volkswagen Routan Insurance in Oakland

Sadly, over 70% of consumers have purchased from the same company for over three years, and nearly half have never even compared rates from other companies. The average driver in Oakland can save hundreds of dollars each year by just comparing rate quotes, but they underestimate how much money they would save if they bought a different policy.

It takes a little time, but the best way to find cheaper quotes for Volkswagen Routan insurance in Oakland is to do an annual price comparison from different companies who sell auto insurance in California.

1. Read and learn about how auto insurance works and the measures you can control to keep rates low. Many rating criteria that are responsible for high rates such as tickets, at-fault accidents, and an unfavorable credit rating can be amended by making minor driving habit or lifestyle changes. This article provides more information to help find cheaper rates and earn a bigger discount.
2. Request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only quote rates from a single company like Progressive or Farmers Insurance, while independent agents can provide rate quotes for a wide range of insurance providers. View a list of agents
3. Compare the new rates to your existing policy to determine if you can save on Routan insurance in Oakland. If you find better rates and decide to switch, make sure there is no coverage gap between policies.

An important part of this process is that you use identical coverages on each price quote and and to analyze all possible companies. This enables a fair price comparison and the best price quote selection.

Our objective in writing this article is to help educate you on the most effective way to quote insurance and some tricks to saving. If you currently have a car insurance policy, you should be able to lower your rates using the concepts covered in this article. But California car owners need to have an understanding of the way companies market insurance on the web and take advantage of how the system works.

When comparison shopping, more quotes helps you find more affordable rates.

The companies in the list below provide price comparisons in Oakland, CA. To find cheap car insurance in California, it’s highly recommended you compare several of them in order to find the cheapest rates.

Earn discounts on Oakland auto insurance

Car insurance companies do not list every available discount very clearly, so the next list breaks down both the well known as well as some of the hidden auto insurance savings.

• Anti-theft System – Cars and trucks that have factory anti-theft systems prevent vehicle theft and that can save you a little bit as well.
• Policy Bundle Discount – When you combine your homeowners and auto insurance with the same insurance company you may earn nearly 15% which can help you find cheap Routan insurance.
• Driving Data Discount – Insureds that choose to allow companies to scrutinize vehicle usage remotely such as Drivewise from Allstate or Snapshot from Progressive might see lower rates if they are good drivers.
• Low Mileage Discounts – Fewer annual miles on your Volkswagen may enable drivers to earn better auto insurance rates on cars that stay parked.
• Waiver for an Accident – Not a discount per se, but some insurance companies will turn a blind eye to one accident without getting socked with a rate hike if your claims history is clear prior to being involved in the accident.
• Savings for New Vehicles – Buying a new car instead of a used Routan can cost up to 25% less compared to insuring an older model.
• Lower Rates for Military – Having a deployed family member could qualify you for better prices.
• Organization Discounts – Participating in a qualifying organization is a good way to get lower rates on your next renewal.
• Switch and Save Discount – Select insurance companies give a discount for switching to them before your current coverage expires. This discount can save up to 10%.
• Distant College Student Discount – Any of your kids who are attending college without a vehicle on campus may be able to be covered for less.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to your bottom line cost. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears all the discounts add up to a free policy, you won’t be that lucky. Any amount of discount will lower the amount you have to pay.

The illustration below shows the comparison of Volkswagen Routan auto insurance costs with and without discounts applied to the rates. The prices are based on a female driver, a clean driving record, no claims, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, multi-policy, claim-free, marriage, and homeowner discounts applied.

If you would like to choose from a list of insurance companies that provide some of the discounts listed above in California, click here.

Volkswagen Routan insurance analysis

The data table displayed next highlights estimates of coverage costs for Volkswagen Routan models. Having a good understanding how insurance premiums are figured can be of help when making informed decisions when comparing rate quotes.

Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Table data does not factor in specific location which can change auto insurance rates significantly.

Choosing deductibles

A question often asked by Oakland drivers is how high should the physical damage deductibles be. The rates below may help to illustrate the differences in premium rates between low and high insurance deductibles. The first rate estimation uses a $250 deductible for comprehensive and collision coverage and the second price chart uses a $1,000 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Information does not factor in the specific area where the vehicle is garaged which can modify premiums significantly.

Based on this data, using a $250 deductible costs approximately $33 more each month or $396 annually than selecting the higher $1,000 deductible. Since you would have to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to go more than 23 months between claim filings, you would probably be better off if you choose a higher deductible.

The diagram below shows how different deductible levels and can influence Volkswagen Routan premium costs for different age groups. The data assumes a married female driver, comp and collision included, and no discounts are taken into consideration.

Yearly car insurance costs for men versus women

The illustration below visualizes the comparison of Volkswagen Routan insurance prices for male and female drivers. The premiums assume no claims or violations, full physical damage coverage, $500 deductibles, drivers are single, and no policy discounts are applied.

How do Car Insurance Companies Determine Volkswagen Routan Insurance Rates?

An important part of buying insurance is that you know the different types of things that play a part in calculating car insurance rates. If you understand what determines premiums, this allows you to make good choices that could result in big savings. Lots of factors are part of the equation when you get a price on insurance. Some of the criteria are obvious such as your driving history, although others are less apparent like your vehicle usage or your commute time.

• Car insurance policy lapses increase premiums – Allowing your coverage to lapse will be a guaranteed way to pay more for car insurance. Not only will you pay more, getting caught without coverage could result in a hefty fine and possibly a revoked license.
• Safety first – Safe vehicles cost less to insure. Vehicles built for safety result in less severe injuries and fewer serious injuries means less money paid by your insurance company passed on to you as lower rates.

• Tickets and citations cost more than a fine – A bad driving record has a huge affect on how much you pay. Only having one citation may cause rates to rise forty percent or more. Drivers who don’t get tickets tend to pay less for car insurance as compared to those with violations. Drivers with careless citations such as DUI, reckless driving or excessive speeding are required to prove financial responsibility to the state department of motor vehicles in order to legally drive.

  The information below shows how speeding tickets and at-fault collisions increase Volkswagen Routan insurance rates for different age groups. The price estimates are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.

• Do thieves like your car? – Driving a car that has an advanced theft prevention system can get you a discount on your car insurance. Anti-theft features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help stop your car from being stolen.
• Pleasure use or commuting – The higher the mileage driven each year the higher your rates will be. Many insurance companies price each vehicle’s coverage determined by how the vehicle is used. Autos used primarily for pleasure use qualify for better rates compared to those used for work or business. Ask your agent if your car insurance policy is rated on the right rating data, because it can save money. An incorrectly rated Routan is throwing money out the window.
• Combine policies with the same company – The majority of insurers provide better rates to people that have more than one policy in the form of a multi-policy discount. Even with this discount applied, it’s still a good idea to compare other company rates to make sure you are getting the best deal.There is a chance you can find a better deal by splitting coverages up.
• When should you file insurance claims? – If you frequently file small claims, you can expect higher premiums or even policy non-renewal. Car insurance companies in California provide lower rates to insureds who do not rely on their insurance for small claims. Your car insurance is intended to be relied upon for larger claims.