Has it been over a year since you last compared quotes for low-cost insurance rates in Pittsburgh, PA? Pittsburgh buyers have many options when searching for low-cost Volkswagen Routan insurance. You can either spend your time calling around trying to get quotes or utilize the internet to compare rates.
There is a right way and a wrong way to buy insurance so we’re going to tell you the proper way to get price quotes on a Volkswagen and obtain the lowest possible price.
Smart shoppers know that insurance companies don’t want you shop around. People who compare other rates are highly likely to switch to a new company because there are good odds of finding better rates. A recent survey found that people who shopped around every year saved an average of $3,450 over four years compared to other drivers who never compared rates.
If finding budget-friendly insurance in Pittsburgh is your objective, then having some insight into how to find companies and compare coverages can make it simple to find affordable coverage.
This information will help educate you on the best way to buy inexpensive car insurance and some money-saving tips. If you currently have a car insurance policy, you stand a good chance to be able to reduce the price you pay using the techniques presented in this article. Smart buyers just need to understand the least time-consuming way to compare prices from many companies at once.
Compare Pittsburgh Volkswagen Routan insurance quotes
Most of the larger companies such as GEICO, State Farm and Progressive allow consumers to get coverage prices on the web. Getting online rates for Volkswagen Routan insurance in Pittsburgh is possible for anyone as all you need to do is type in your required coverages as detailed in the form. Behind the scenes, the quote system automatically orders credit information and your driving record and generates pricing information based on the data you entered.
Quoting online for Volkswagen Routan insurance in Pittsburgh makes comparing rates easy, and it’s very important to get many rate quotes if you want to get a lower rate.
To find out how much you’re overpaying now, visit the companies below or click here to submit a quote request to multiple companies at once. If you currently have coverage, we recommend you type in the coverage information identical to your current policy. Doing this assures you will have rate quotes for the exact same coverage.
The auto insurance companies shown below provide price quotes in Pittsburgh, PA. If your goal is to find cheaper auto insurance in Pennsylvania, we recommend you compare several of them in order to find the cheapest rates.
Rates and detailed analysis
The coverage table shown below highlights a range of insurance policy prices for Volkswagen Routan models. Having a good understanding how policy rates are figured can help you make smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Routan S 2WD | $178 | $292 | $316 | $18 | $94 | $898 | $75 |
| Routan SE 2WD | $200 | $356 | $316 | $18 | $94 | $984 | $82 |
| Routan SEL 2WD | $200 | $420 | $316 | $18 | $94 | $1,048 | $87 |
| Routan SEL Premium 6 Cyl 2WD | $224 | $420 | $316 | $18 | $94 | $1,072 | $89 |
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Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Price information does not factor in specific location which can increase or decrease rates noticeably.
Impact of violations and accidents on rates in Pittsburgh
The diagram below demonstrates how speeding tickets and accidents influence Volkswagen Routan auto insurance rates for each different age group. The prices are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are factored in.
Volkswagen Routan liability rates compared to full coverage
The example below visualizes the comparison of Volkswagen Routan car insurance costs with full coverage and liability only. The rate quotes are based on no claims, a clean driving record, $100 deductibles, drivers are single, and no discounts are applied.
Guidelines for eliminating full coverage
There is no definitive formula to delete comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than about 10% of the replacement cost minus the deductible, then you might want to think about dropping full coverage.
For example, let’s say your Volkswagen Routan book value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would receive is $5,000 after the deductible is paid. If you are currently paying more than $500 a year for your policy with full coverage, then it might be time to consider dropping full coverage.
There are a few cases where dropping full coverage is not financially feasible. If you haven’t satisfied your loan, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.
Pittsburgh Insurance Premiums are Influenced by These Factors
The best way to find cheaper insurance is to take a look at the different types of things that are used to determine your premiums. If you know what controls the rates you pay, this enables informed choices that could result in lower rates. Many different elements are considered when you get your auto insurance bill. Most are fairly basic like a motor vehicle report, but other factors are less apparent like your continuous coverage or your financial responsibility.
- Your spouse saves you money – Getting married can get you a discount on your policy. Having a significant other means you’re more responsible and it’s proven that married couples file fewer claims.
- Your liability coverage limits – The liability coverage on your policy will provide protection in the event that you are ruled to be at fault for causing personal injury or damage in an accident. Liability provides legal defense coverage which can be incredibly expensive. This coverage is relatively inexpensive compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.
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Teenage drivers pay more – Older insureds have been proven to be more responsible, are lower risk to insure, and usually have better credit. Youthful drivers are statistically proven to get distracted easily when behind the wheel so they pay higher insurance rates.
The following chart uses these assumptions: single driver, full coverage with $100 deductibles, and no discounts or violations.
- Insurance rates and your employer – Careers such as military personnel, social workers, and medical professionals tend to have higher premium rates due to intense work requirements and lots of time spent at work. On the flip side, jobs like professors, athletes and homemakers receive lower rates.
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Premiums go up with performance – The make and model of the car, truck or SUV you drive makes a significant difference in the rate you pay. The best insurance prices tend to be for smaller low performance passenger cars, but other factors influence the final cost greatly.
The following chart assumes a single male driver age 20, full coverage with $1000 deductibles, and no discounts or violations. It compares Volkswagen Routan car insurance rates compared to other vehicles that have a range of performance rating factors.
Insuring your Routan just makes sense
Despite the high insurance cost for a Volkswagen Routan in Pittsburgh, insurance may not be optional for several reasons.
First, just about all states have minimum mandated liability insurance limits which means state laws require a specific level of liability in order to drive the car. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you took out a loan on your Volkswagen Routan, almost all lenders will force you to have full coverage to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the lender may insure your Volkswagen for a much higher rate and require you to fork over for it.
Third, insurance safeguards both your Volkswagen Routan and your assets. Insurance will also pay for medical transport and hospital expenses for not only you but also any passengers injured in an accident. Liability insurance will also pay for a defense attorney if you are sued as the result of your driving. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.
The benefits of insuring your car more than offset the price you pay, especially when you need to use it. According to a survey of 1,000 drivers, the average driver overpays more than $865 each year so compare quotes from several companies each time the policy renews to help ensure money is not being wasted.