Find Affordable Volkswagen Routan Insurance in Oakland

Discount Volkswagen Routan insuranceSadly, 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.Save money with discounts

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.

Volkswagen Routan Insurance Rates in Oakland, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Routan S 2WD $216 $324 $360 $22 $108 $1,030 $86
Routan SE 2WD $244 $394 $360 $22 $108 $1,128 $94
Routan SEL 2WD $244 $464 $360 $22 $108 $1,198 $100
Routan SEL Premium 6 Cyl 2WD $272 $464 $360 $22 $108 $1,226 $102
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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.

Volkswagen Routan insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Routan S 2WD $342 $472 $376 $22 $112 $1,349 $112
Routan SE 2WD $386 $576 $376 $22 $112 $1,497 $125
Routan SEL 2WD $386 $678 $376 $22 $112 $1,599 $133
Routan SEL Premium 6 Cyl 2WD $430 $678 $376 $22 $112 $1,643 $137
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Volkswagen Routan insurance rates 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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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.