Auto Insurance Quotes for a Volkswagen Routan in El Paso

Insurance rates Volkswagen Routan in El PasoIf you want to save the most money, the best way to find lower priced Volkswagen Routan insurance is to start comparing prices yearly from insurance carriers who sell insurance in El Paso. Price quotes can be compared by following these steps.

A good piece of advice is to use similar coverage information on each quote request and and to get quotes from as many companies as possible. Doing this helps ensure a fair price comparison and a complete rate analysis.

It’s well known that auto insurance companies don’t want their policyholders to compare prices. Drivers who rate shop once a year are very likely to switch car insurance companies because the odds are good of finding a more affordable policy premium. A recent car insurance study discovered that drivers who make a habit of shopping around saved over $865 annually compared to drivers who never shopped around.

If finding the lowest rates on insurance is your intention, learning how to find companies and compare car insurance can help you succeed in saving money.

El Paso Insurance Rates are Influenced by These Factors

When buying car insurance it’s important to understand some of the factors that are used to determine your car insurance rates. If you understand what positively or negatively impacts your premiums, this allows you to make educated decisions that could help you find cheaper rates.

Volkswagen Routan insurance rates and statistics

The premium information shown next covers different insurance costs for Volkswagen Routan models. Being aware of how prices are formulated can assist in making informed purchases.

Volkswagen Routan Insurance Rates in El Paso, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Routan S 2WD $206 $322 $340 $20 $102 $990 $83
Routan SE 2WD $232 $392 $340 $20 $102 $1,086 $91
Routan SEL 2WD $232 $462 $340 $20 $102 $1,156 $96
Routan SEL Premium 6 Cyl 2WD $258 $462 $340 $20 $102 $1,182 $99
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Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Prices do not factor in El Paso location which can modify insurance rates greatly.

Policy deductibles

One of the hardest decisions when shopping for auto insurance is how high should your deductibles be. The premium rates below can help you understand the differences in premium rates when you buy lower versus higher policy deductibles. The first data table uses a $100 deductible for comprehensive and collision coverage and the second price table uses a $500 deductible.

Volkswagen Routan insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Routan S 2WD $328 $486 $324 $20 $96 $1,279 $107
Routan SE 2WD $370 $592 $324 $20 $96 $1,427 $119
Routan SEL 2WD $370 $698 $324 $20 $96 $1,533 $128
Routan SEL Premium 6 Cyl 2WD $412 $698 $324 $20 $96 $1,575 $131
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Volkswagen Routan insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Routan S 2WD $240 $328 $324 $20 $96 $1,008 $84
Routan SE 2WD $270 $400 $324 $20 $96 $1,110 $93
Routan SEL 2WD $270 $472 $324 $20 $96 $1,182 $99
Routan SEL Premium 6 Cyl 2WD $300 $472 $324 $20 $96 $1,212 $101
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Premium amounts do not factor in specific location information which can revise rates noticeably.

Based on the data above, we can derive that using a $100 deductible could cost the average driver approximately $27 more each month or $324 every year than requesting the higher $500 deductible. Since you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you go at a minimum 15 months between claim filings, you would save more money going with the higher deductible. Here is how you can decide this on your own policy.

Average monthly premium for $100 deductibles: $121
Average monthly premium for $500 deductibles (subtract): – $94
Monthly savings from raising deductible: $27
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $27
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

The illustration below illustrates how your deductible choice and can increase or decrease Volkswagen Routan insurance costs for each different age group. The premiums are based on a married male driver, comprehensive and collision coverage, and no discounts are applied.

Discounts mean cheaper rates for Volkswagen Routan insurance in El Paso

Car insurance is not cheap, but discounts can save money and there are some available that you may not even know about. Most are applied when you get a quote, but a few must be asked about prior to receiving the credit.Save money with discounts

A little disclaimer on discounts, many deductions do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like collision or personal injury protection. If you do the math and it seems like all the discounts add up to a free policy, companies don’t profit that way.

The chart below compares Volkswagen Routan insurance premiums with and without discounts applied to the premium. The premiums are based on a female driver, a clean driving record, no claims, Texas state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, homeowner, safe-driver, marriage, and multi-policy discounts applied.

To choose insurance companies with significant discounts in Texas, click here to view.

Auto insurance company ratings

Ending up with the top company can be difficult considering how many choices you have in Texas. The rank data below could help you choose which companies you want to consider when looking for cheaper rates.

Best Auto Insurance Companies in Texas
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies

Be persistent and save

As you prepare to switch companies, it’s a bad idea to sacrifice coverage to reduce premiums. There have been many cases where an insured dropped full coverage only to regret at claim time that it was a big error on their part. The aim is to buy the best coverage you can find at the best possible price, not the least amount of coverage.

Lower-priced auto insurance in El Paso is attainable from both online companies and with local El Paso insurance agents, and you should compare rates from both in order to have the best chance of saving money. Some insurance providers do not provide the ability to get a quote online and these smaller companies only sell coverage through independent agents.

We just presented a lot of tips how to shop for Volkswagen Routan insurance online. The key thing to remember is the more times you quote, the higher the chance of saving money. Drivers may even discover the biggest savings come from the least-expected company. These companies may only write in your state and offer lower prices than the large multi-state companies such as State Farm or Progressive.

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