If you want to save the most money, the best way to get more affordable Volkswagen Routan insurance is to compare prices once a year from insurance carriers who provide car insurance in New Orleans. Price quotes can be compared by following these guidelines.
- Read about what is in your policy and the things you can change to prevent rate increases. Many things that increase rates such as your driving record and an unfavorable credit rating can be improved by making minor changes to your lifestyle. Keep reading for additional tips to get lower rates and find possible discounts that are available.
- Get rate quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give prices from one company like GEICO or State Farm, while independent agents can provide prices from multiple insurance companies. View companies
- Compare the new quotes to your existing policy to determine if switching companies saves money. If you can save money, make sure coverage is continuous and does not lapse.
- Give proper notification to your current agent or company of your intent to cancel your existing policy. Submit the signed application along with the required initial payment to the new insurer. Don’t forget to put the new certificate verifying coverage somewhere easily accessible.
An essential thing to point out is to compare identical deductibles and limits on each price quote and and to get quotes from as many different companies as possible. Doing this ensures a level playing field and a complete price analysis.
It goes without saying that insurance companies want to keep you from shopping around. People who compare rates once a year are inclined to move their business because there are good odds of finding more affordable rates. A study discovered that people who compared prices regularly saved an average of $72 a month compared to drivers who never shopped around for lower prices.
If finding the most affordable Volkswagen Routan insurance in New Orleans is your objective, then learning about the best way to quote and compare coverages can save time and money.
If you have coverage now or need new coverage, you can use these techniques to reduce the price you pay without sacrificing coverage. Buying the cheapest car insurance in New Orleans can really be easy if you know what you’re doing. Consumers just have to understand the proper way to compare price quotes using one simple form.
Quote New Orleans Volkswagen Routan insurance online
All the larger auto insurance companies like Allstate and Progressive make it easy to get prices on the web. Getting quotes for Volkswagen Routan insurance in New Orleans is fairly simple as all you need to do is type in your required coverages into the quote form. When the form is submitted, their system sends out for your credit score and driving record and returns a price quote based on these and other factors. This simplifies rate comparisons, and it’s very important to compare as many rates as possible if you want to find the cheapest price possible.
If you want to find out if lower rates are available, check out the auto insurance providers below. If you currently have coverage, we recommend you input the insurance coverages as close as possible to your current policy. This helps ensure you will have a fair comparison based on the exact same insurance coverage.
The following companies are ready to provide free quotes in New Orleans, LA. To buy the best auto insurance in Louisiana, we recommend you visit as many as you can in order to find the cheapest rates.
Auto insurance analysis for a Volkswagen Routan
The table shown next showcases detailed analysis of insurance premium costs for Volkswagen Routan models. Having insight into how insurance prices are established can aid in making smart choices when purchasing an insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Routan S 2WD | $286 | $462 | $478 | $28 | $144 | $1,398 | $117 |
| Routan SE 2WD | $322 | $562 | $478 | $28 | $144 | $1,534 | $128 |
| Routan SEL 2WD | $322 | $662 | $478 | $28 | $144 | $1,634 | $136 |
| Routan SEL Premium 6 Cyl 2WD | $360 | $662 | $478 | $28 | $144 | $1,672 | $139 |
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Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Price information does not factor in vehicle location which can impact premiums considerably.
Should you raise deductibles?
One of the more difficult decisions when buying auto insurance is the level to set your comp and collision deductibles. The rates shown below illustrate the differences in premium rates when you choose different coverage deductibles. The first table uses a $100 comprehensive and collision deductible and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Routan S 2WD | $400 | $594 | $394 | $24 | $118 | $1,555 | $130 |
| Routan SE 2WD | $452 | $722 | $394 | $24 | $118 | $1,735 | $145 |
| Routan SEL 2WD | $452 | $850 | $394 | $24 | $118 | $1,863 | $155 |
| Routan SEL Premium 6 Cyl 2WD | $502 | $850 | $394 | $24 | $118 | $1,913 | $159 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Routan S 2WD | $222 | $312 | $394 | $24 | $118 | $1,070 | $89 |
| Routan SE 2WD | $250 | $380 | $394 | $24 | $118 | $1,166 | $97 |
| Routan SEL 2WD | $250 | $448 | $394 | $24 | $118 | $1,234 | $103 |
| Routan SEL Premium 6 Cyl 2WD | $278 | $448 | $394 | $24 | $118 | $1,262 | $105 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Louisiana minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Table data does not factor in New Orleans location which can lower or raise rates substantially.
Using the data above, we can ascertain that using a $100 deductible costs an average of $48 more each month or $576 a year than buying the higher $1,000 deductible. Since you would pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you go more than 19 months between claim filings, you would probably save some money going with the higher deductible. The illustration below shows an example of how we made this calculation.
| Average monthly premium for $100 deductibles: | $147 |
| Average monthly premium for $1,000 deductibles (subtract): | – $99 |
| Monthly savings from raising deductible: | $48 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $48 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 19 months |
One important note is that a higher deductible level results in more money out-of-pocket when you have a comprehensive or collision claim. You must have enough disposable income in the event you have to pay the deductible for vehicle repair.
Volkswagen Routan liability rates compared to full coverage
The chart below compares Volkswagen Routan insurance prices with and without physical damage coverage. The costs are based on no violations or claims, $500 deductibles, single marital status, and no additional discounts are factored in.
Should you buy full coverage or liability only?
There is no definitive formula of when to stop paying for physical damage insurance, but there is a general school of thought. If the annual cost of your full coverage insurance is about 10% or more of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.
For example, let’s assume your Volkswagen Routan claim settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would receive is $7,000 after you pay the deductible. If you are paying in excess of $700 a year for comprehensive and collision coverage, then you might want to consider buying only liability coverage.
There are a few cases where only buying liability is not financially feasible. If you still have a loan on your vehicle, you have to keep full coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not consider dropping full coverage.
Buying the right vehicle insurance in Louisiana is an important decision
Despite the high cost of buying insurance for a Volkswagen Routan in New Orleans, auto insurance is required by state law in Louisiana and it also provides benefits you may not be aware of.
- The majority of states have mandatory insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability coverage in order to get the vehicle licensed. In Louisiana these limits are 15/30/25 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your Volkswagen Routan has a loan, almost all lenders will require you to have comprehensive coverage to guarantee their interest in the vehicle. If you do not keep the policy in force, the bank will be required to insure your Volkswagen at an extremely high rate and require you to reimburse them for the expensive policy.
- Insurance safeguards both your vehicle and your assets. It also can pay for all forms of medical expenses incurred in an accident. Liability coverage will also pay attorney fees if someone files suit against you as the result of an accident. If mother nature or an accident damages your car, comprehensive and collision coverage will pay to restore your vehicle to like-new condition.
The benefits of carrying enough insurance definitely exceed the price paid, particularly if you ever have a claim. In a recent study of 1,000 drivers, the average customer is wasting up to $865 each year so you should quote your policy with other companies each time the policy renews to be sure current rates are still competitive.
Do I need special coverages?
When it comes to choosing the best car insurance coverage, there really isn’t a cookie cutter policy. Every situation is different and your policy should reflect that.
These are some specific questions can aid in determining if your situation would benefit from professional advice.
- Who does medical payments coverage extend to?
- What are the liability requirements in my state?
- Does my policy cover my teen driver if they drive my company car?
- Why do I only qualify for high-risk insurance?
- What if a claim settlement is too low?
- Are combined or split liability limits better?
- How can I get the company to pay a claim?
If it’s difficult to answer those questions but a few of them apply then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of car insurance companies in your area. It is quick, free and can help protect your family.
Car insurance specifics
Understanding the coverages of a car insurance policy aids in choosing which coverages you need and proper limits and deductibles. Car insurance terms can be ambiguous and reading a policy is terribly boring. Shown next are the normal coverages found on the average car insurance policy.
Liability car insurance
This coverage provides protection from injuries or damage you cause to people or other property in an accident. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 15/30/25 which means a $15,000 limit per person for injuries, a per accident bodily injury limit of $30,000, and a limit of $25,000 paid for damaged property.
Liability coverage pays for things such as bail bonds, medical services, repair bills for other people’s vehicles, loss of income and legal defense fees. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford. Louisiana state minimum liability requirements are 15/30/25 but you should think about purchasing more coverage.
The illustration below shows why buying the state minimum limits may not be enough coverage.
Medical costs insurance
Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for surgery, hospital visits, pain medications, ambulance fees and funeral costs. They are utilized in addition to your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible
UM/UIM Coverage
This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Volkswagen Routan.
Since many Louisiana drivers only purchase the least amount of liability that is required (15/30/25), their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.
Auto collision coverage
This pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision can pay for claims like sustaining damage from a pot hole, damaging your car on a curb, crashing into a building, rolling your car and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible on your Routan to bring the cost down.
Comprehensive or Other Than Collision
Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for things such as falling objects, fire damage, damage from flooding, damage from a tornado or hurricane and vandalism. The most a car insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.
Which auto insurance company is best in New Orleans?
Buying coverage from the best car insurance company can be difficult considering how many companies are available to choose from in Louisiana. The company ratings displayed below may help you choose which companies you want to consider purchasing coverage from.
| 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: Insure.com Best Car Insurance Companies
Shop around and save
As you quote New Orleans auto insurance, make sure you don’t skimp on coverage in order to save money. In many instances, consumers will sacrifice physical damage coverage only to regret that it was a big mistake. Your focus should be to purchase plenty of coverage at the best price but still have enough coverage for asset protection.
You just learned a lot of tips how to get a better price on Volkswagen Routan insurance in New Orleans. The key concept to understand is the more providers you compare, the better likelihood of getting the cheapest Volkswagen Routan rate quotes. Consumers may even find the biggest savings come from a lesser-known regional company. These smaller insurers may have significantly lower car insurance rates on certain market segments as compared to the big name companies such as Allstate or State Farm.
More learning opportunities
- Teen Driving Statistics (iihs.org)
- How Much is New Orleans Car Insurance for a 20 Year Old Female? (FAQ)
- Who Has the Cheapest New Orleans Auto Insurance for Drivers Over Age 70? (FAQ)
- How Much is Auto Insurance with Multiple Speeding Tickets in New Orleans? (FAQ)
- Who Has Affordable Auto Insurance Rates for a Nissan Sentra in New Orleans? (FAQ)
- How Much is New Orleans Auto Insurance for Retired Military? (FAQ)
- Who Has Cheap New Orleans Car Insurance for a Honda Civic? (FAQ)
- How Much is Auto Insurance for Good Students in New Orleans? (FAQ)
- How to shop for a safer car (Insurance Institute for Highway Safety)
- Event Data Recorders FAQ (iihs.org)
- Protecting Teens from Drunk Driving (Insurance Information Institute)