Compare Volkswagen Routan Insurance Quotes in Minneapolis

The preferred way to get budget Volkswagen Routan insurance in Minneapolis is to begin comparing prices regularly from different companies who can sell car insurance in Minnesota.

First, try to learn a little about the coverage provided by your policy and the things you can change to keep rates in check. Many rating criteria that increase rates like careless driving and a negative credit history can be controlled by making minor changes to your lifestyle.

Second, compare prices from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give prices from one company like GEICO or Farmers Insurance, while independent agents can provide prices for a wide range of insurance providers.

Third, compare the new rates to the price on your current policy and determine if there is any savings. If you can save money, make sure the effective date of the new policy is the same as the expiration date of the old one.

Fourth, provide proper notification to your current company to cancel your current auto insurance policy. Submit the completed application along with a down payment for your new coverage. Once the paperwork is finalized, put the new certificate of insurance in a readily accessible location in your vehicle.

A tip to remember is to try to use the same amount of coverage on every price quote and and to get prices from as many companies as feasibly possible. This guarantees a level playing field and and a good selection of different prices.

It’s a known fact that car insurance companies don’t want you shop around. Drivers who compare other rates are inclined to switch companies because they stand a good chance of finding a policy with more affordable rates. A recent insurance study discovered that consumers who compared rates once a year saved approximately $865 annually compared to other drivers who never shopped around for lower prices.

If finding budget-friendly Volkswagen Routan insurance in Minneapolis is why you’re here, then having a grasp of how to choose a company and compare coverages can save time and make the process easier.

The companies shown below are our best choices to provide quotes in Minnesota. To find cheaper auto insurance in Minneapolis, MN, we recommend you compare several of them to get the most affordable price.

Insurance analysis for a Volkswagen Routan

The coverage table shown next showcases detailed analysis of coverage prices for Volkswagen Routan models. Having a better idea how auto insurance premiums are calculated can help you make smart choices when selecting a policy.

Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Minnesota minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Table data does not factor in specific Minneapolis garaging location which can alter prices substantially.

Policy deductible comparison

When shopping for insurance, a common question is which comprehensive and collision deductibles to buy. The rates shown below may help you to understand the cost difference of buying low and high physical damage deductibles. The first set of rates uses a $250 deductible and the second set of prices uses a $1,000 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Minnesota minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Information does not factor in vehicle location which can affect rates noticeably.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs roughly $25 more each month or $300 each year across all Volkswagen Routan models than choosing the higher $1,000 deductible. Because you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at a minimum 30 months between claims, you would probably be better off if you elect the higher deductible.

The example below highlights how deductible selection and can impact Volkswagen Routan insurance costs for different categories of driver ages. The prices are based on a married female driver, full coverage, and no discounts are applied.

Three reasons car insurance is important

Despite the high cost of buying insurance for a Volkswagen Routan in Minneapolis, maintaining insurance may be required and benefits you in several ways.

• Almost all states have mandatory insurance requirements which means the state requires a specific level of liability in order to drive the car legally. In Minnesota these limits are 30/60/10 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If your vehicle has a lienholder, most lenders will force you to carry insurance to ensure they get paid if you total the vehicle. If you let the policy lapse, the bank will be required to insure your Volkswagen at a significantly higher premium and require you to reimburse them for it.
• Car insurance protects both your assets and your vehicle. It will also reimburse you for many types of medical costs for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, also pays for attorney fees and expenses in the event you are sued. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will cover the repair costs.

The benefits of buying car insurance are without a doubt worth the cost, especially for larger claims. According to a survey of 1,000 drivers, the average driver is wasting up to $825 a year so you should quote rates at least once a year to save money.

Volkswagen Routan insurance discounts in Minneapolis

Companies that sell car insurance do not advertise every policy discount very well, so below is a list some of the best known and also the lesser-known discounts you could be receiving when you buy Minneapolis auto insurance online. If you’re not getting every credit you qualify for, you are not getting the best rate possible.

• Low Miles Discount – Maintaining low annual mileage could earn slightly better car insurance rates than normal.
• Anti-lock Brake System – Vehicles with ABS braking systems or traction control can avoid accidents and the ABS can save up to 10%.
• Life Insurance – Not every insurance company offers life insurance, but if they do you may earn lower prices if you buy life insurance.
• Senior Citizen Discount – Mature drivers may receive reduced rates.
• Auto/Home Discount – If you have multiple policies and insure them both with the same insurance company you may earn at least 10 to 15 percent or more.
• Good Driver Discount – Drivers without accidents can save as much as half off their rates than drivers with accident claims.
• Telematics Devices – Insureds who allow driving data collection to spy on when and where they use their vehicle by using a telematic data system such as Progressive’s Snapshot could see a rate decrease if they are good drivers.

It’s important to note that some credits don’t apply to all coverage premiums. Some only apply to individual premiums such as comp or med pay. So when the math indicates it’s possible to get free car insurance, it just doesn’t work that way.

The example below illustrates the difference between Volkswagen Routan auto insurance rates with and without discounts applied. The prices are based on a male driver, no claims or driving citations, Minnesota 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 multi-car, safe-driver, claim-free, marriage, multi-policy, and homeowner discounts applied.

The best car insurance companies and a summarized list of policyholder discounts include:

• American Family may include discounts for accident-free, air bags, TimeAway discount, bundled insurance, early bird, and multi-vehicle.
• Farm Bureau discounts include 55 and retired, renewal discount, multi-vehicle, good student, youthful driver, and driver training.
• State Farm includes discounts for Steer Clear safe driver discount, safe vehicle, passive restraint, driver’s education, multiple autos, anti-theft, and student away at school.
• Travelers offers discounts including continuous insurance, new car, payment discounts, home ownership, multi-car, and student away at school.
• The Hartford policyholders can earn discounts including driver training, vehicle fuel type, defensive driver, air bag, and good student.
• GEICO offers discounts for daytime running lights, multi-policy, anti-lock brakes, military active duty, five-year accident-free, air bags, and membership and employees.
• Progressive has discounts for continuous coverage, multi-policy, online signing, online quote discount, good student, and homeowner.

Before buying, ask all companies you are considering how many discounts you can get. Some discounts listed above might not apply in Minneapolis.

You are unique and your auto insurance should be too

When quoting and choosing coverage online or from an agent, there is no one-size-fits-all type of policy. Your situation is unique so your insurance should reflect that
For example, these questions can help discover if your situation might need professional guidance.

• Are my company tools covered if they get stolen?
• Does coverage extend to my business vehicle?
• Is my teenager covered with friends in the car?
• I don’t drive much so do I pay less?
• Do I have ACV or replacement cost coverage?
• What if I owe more than I can insure my car for?
• Are split liability limits better than a combined single limit?
• Should I sign the liability waiver when renting a car?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

Exclusive or independent insurance agencies

Certain consumers prefer to sit down with an agent and that is a smart decision Most agents are trained to spot inefficiencies and help in the event of a claim. One of the great benefits of comparing rates online is you may find cheap car insurance quotes and still have an agent to talk to.

To help locate an agent, after submitting this form (opens in new window), the quote information is submitted to companies in Minneapolis who will give competitive quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to contact an agency because quoted prices will be sent to the email address you provide. If you have a need to get a comparison quote from a particular provider, you would need to find their quoting web page and submit a quote form there.

Selecting an insurance company should depend on more than just the quoted price. Get answers to these questions too.

• Is the coverage adequate for your vehicle?
• If independent agents, which companies do they recommend?
• Do they have 24-hour customer assistance?
• What discounts might you be missing?
• Do they get extra compensation for selling add-on coverages?
• Is there a local claims center in Minneapolis?
• Where would glass claims be handled in Minneapolis?
• What is their Better Business Bureau rating?

The following is a short list of insurers in Minneapolis that are able to give price quotes for Volkswagen Routan insurance in Minneapolis.

More insurance agents

After getting positive responses to all your questions and a good coverage price, you’ve probably found an insurer that can be trusted to properly insure your vehicles. Just understand that consumers can cancel a policy at any time so never assume you’re contractually obligated to a specific company for the full policy term.

Auto insurance coverage information

Knowing the specifics of your insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Insurance terms can be impossible to understand and reading a policy is terribly boring. These are the normal coverages found on the average insurance policy.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and also any damage incurred to your Volkswagen Routan.

Due to the fact that many Minnesota drivers have only the minimum liability required by law (Minnesota limits are 30/60/10), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Collision coverage protection

This coverage pays for damage to your Routan from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like driving through your garage door, scraping a guard rail, rolling your car, backing into a parked car and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible on your Routan in order to get cheaper collision rates.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as hitting a bird, vandalism, fire damage and hail damage. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like chiropractic care, pain medications and doctor visits. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Liability auto insurance

This coverage can cover damage or injury you incur to a person or their property in an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 30/60/10 which means a limit of $30,000 per injured person, a total of $60,000 of bodily injury coverage per accident, and a total limit of $10,000 for damage to vehicles and property.

Liability coverage protects against things such as legal defense fees, repair bills for other people’s vehicles and medical expenses. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible. Minnesota state law requires minimum liability limits of 30/60/10 but it’s recommended drivers buy higher limits.

The illustration below shows why low liability limits may not provide you with enough coverage.

Cheaper coverage is out there

As you go through the steps to switch your coverage, never buy poor coverage just to save money. There have been many cases where someone sacrificed physical damage coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy the best coverage you can find at the best price while still protecting your assets.

Budget-conscious Volkswagen Routan insurance is attainable on the web in addition to local insurance agencies, so you should compare both so you have a total pricing picture. Some companies do not provide internet price quotes and many times these regional carriers work with independent agencies.

More detailed insurance information can be found in the articles below:

• Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
• How Much are Auto Insurance Rates for Nurses in Minneapolis? (FAQ)
• Distracted Driving Extends Beyond Texting (State Farm)
• Understanding your Policy (NAIC.org)
• Choosing an Insurance Company (Insurance Information Institute)
• Safety Tips for Teen Drivers (Insurance Information Institute)