Cheapest Insurance for a Volkswagen Routan in Baltimore

Insurance for Volkswagen RoutanIf you want to save the most money, the best way to find cheaper Volkswagen Routan insurance in Baltimore is to compare quotes once a year from insurance carriers in Maryland.

  1. Read and learn about car insurance and the things you can control to prevent expensive coverage. Many things that increase rates like accidents, traffic tickets, and a less-than-favorable credit rating can be eliminated by being financially responsible and driving safely. Continue reading for ideas to get cheaper coverage and find discounts that you may qualify for.
  2. Get rate quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can give quotes from one company like Progressive or State Farm, while independent agents can provide rate quotes from many different companies.
  3. Compare the new rate quotes to the premium of your current policy to see if you can save by switching companies. If you can save some money, make sure there is no lapse in coverage.

One piece of advice is that you’ll want to make sure you compare the same level of coverage on each quote and and to get price quotes from as many different insurance providers as possible. This ensures an accurate price comparison and a complete rate analysis.

It’s easy to assume that car insurance companies want to keep your business as long as possible. Insureds who shop around for cheaper price quotes are likely to switch to a new company because they stand a good chance of finding a lower-priced company. A recent study showed that consumers who make a habit of shopping around saved over $850 each year as compared to drivers who never compared other company’s rates.

If finding the best price on Volkswagen Routan insurance is your objective, then knowing how to choose a company and compare car insurance can make the process less intimidating.

If you have a policy now or just want to reduce your rates, use these money-saving tips to find the best rates and still get good coverage. Our objective in writing this article is to introduce you to how car insurance works and some tricks to saving. Drivers just need to use the proper way to compare rate quotes from multiple carriers.

Best companies for cheap Volkswagen Routan insurance in Maryland

The companies in the list below have been selected to offer free rate quotes in Maryland. If you want cheap car insurance in Maryland, we suggest you visit as many as you can to get the most competitive price.

Volkswagen Routan insurance charts and tables

The coverage information shown next showcases detailed analysis of insurance coverage prices for Volkswagen Routan models. Understanding how policy premiums are formulated is important for making smart choices when selecting a coverage provider.

Volkswagen Routan Insurance Rates in Baltimore, MD
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Routan S 2WD $186 $308 $448 $26 $134 $1,102 $92
Routan SE 2WD $210 $376 $448 $26 $134 $1,194 $100
Routan SEL 2WD $210 $442 $448 $26 $134 $1,260 $105
Routan SEL Premium 6 Cyl 2WD $234 $442 $448 $26 $134 $1,284 $107
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Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Maryland minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Rate quotes do not factor in the specific area where the vehicle is garaged which can affect price quotes greatly.

Physical damage deductibles

One of the most common auto insurance questions is how high should the physical damage coverage deductibles be. The comparisons below help summarize the rate difference when you buy lower versus higher policy deductibles. The first rate estimation uses a $100 deductible and the second set of rates uses a $1,000 deductible.

Volkswagen Routan insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Routan S 2WD $350 $518 $346 $20 $104 $1,363 $114
Routan SE 2WD $394 $632 $346 $20 $104 $1,521 $127
Routan SEL 2WD $394 $744 $346 $20 $104 $1,633 $136
Routan SEL Premium 6 Cyl 2WD $440 $744 $346 $20 $104 $1,679 $140
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Volkswagen Routan insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Routan S 2WD $194 $274 $346 $20 $104 $938 $78
Routan SE 2WD $218 $332 $346 $20 $104 $1,020 $85
Routan SEL 2WD $218 $392 $346 $20 $104 $1,080 $90
Routan SEL Premium 6 Cyl 2WD $244 $392 $346 $20 $104 $1,106 $92
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Maryland minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Price information does not factor in Baltimore location which can affect prices significantly.

Using the data above, we can ascertain that using a $100 deductible costs an average of $43 more each month or $516 for a full year than quoting the higher $1,000 deductible. Since you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you average at least 21 months between claims, you would probably be better off if you opt for a higher deductible.

The information below shows how choosing a deductible and can raise or lower Volkswagen Routan insurance costs for each different age category. The prices are based on a married female driver, full physical damage coverage, and no discounts are applied to the premium.

Insurance Rate Influencing Factors

Lots of factors are part of the equation when you get your auto insurance bill. Some are obvious like your driving record, but other criteria are less obvious like your continuous coverage or your vehicle rating. An important part of buying insurance is that you know a few of the rating criteria that are used to determine auto insurance rates. When consumers understand what determines base rates, this allows you to make educated decisions that could result in much lower annual insurance costs.

Verify you’re getting every discount

The price of auto insurance can be rather high, but you may qualify for discounts that could drop your premiums quite a bit. Many discounts should be triggered when you quote, but a few must be asked for in order for you to get them.Auto insurance discounts

Just know that most discount credits are not given to your bottom line cost. A few only apply to specific coverage prices like liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, auto insurance companies aren’t that generous.

The information below visualizes the comparison of Volkswagen Routan car insurance rates with and without discounts applied to the policy premium. The premiums are based on a male driver, no driving violations, no at-fault accidents, Maryland state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, claim-free, homeowner, multi-policy, and safe-driver discounts applied.

A list of companies and a selection of discounts are outlined below.

Double check with every prospective company which discounts they offer. Some credits might not be offered in Baltimore. To see providers offering auto insurance discounts in Baltimore, click here to view.

Do I need a local insurance agent?

Certain consumers just prefer to buy from a licensed agent and that is a personal choice. Most agents are highly skilled in risk management and help you file claims. An additional benefit of comparing insurance online is that you can obtain lower rates and still have a local agent. Buying insurance from local insurance agencies is still important in Baltimore.

By using this quick form, the coverage information is sent to companies in Baltimore who will give competitive quotes for your business. It’s much easier because you don’t need to search for any insurance agencies as quotes are delivered immediately to your email address. If you need to compare prices from a particular provider, you can always find their quoting web page to submit a rate quote request.

If you are wanting to find a reliable insurance agency, you need to know there are two different types of agents and how they are slightly different. Agents can either be exclusive or independent. Both types of agents can do a good job, but it’s important to know the difference in the companies they write for because it may have an impact on the kind of agent you use.

Independent Agencies or Brokers

Agents that elect to be independent do not write with just one company so they can insure your vehicles through lots of different companies and find the cheapest rate. If they find a cheaper price, your policy is moved internally which is easy for the insured. If you are trying to find cheaper rates, it’s recommended you contact at least one independent agent for the best price selection. A lot of them also have access to companies you’ve never heard of that many times have cheaper rates.

Below are Baltimore independent agents that may be able to give you price quote information.

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Exclusive Insurance Agents

These agents can only place business with one company and some examples include State Farm, AAA, and Liberty Mutual. They are unable to shop your coverage around so they have to upsell other benefits. Exclusive agents are very knowledgeable on their company’s products which helps overcome the inability to quote other rates. Some people will only choose to use an exclusive agent mostly because of the brand legacy and solid financial strength.

Shown below are Baltimore exclusive agencies that are able to give price quotes.

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Choosing the best auto insurance agent requires more thought than just a low price. Here are some questions you might want to ask.

Once you have positive responses to all your questions as well as an affordable premium quote, most likely you have located an auto insurance agent that is reputable and can service your policy.

Ratings for Maryland auto insurance companies

Selecting the highest-rated company is hard considering how many different companies there are to choose from in Maryland. The ranking data displayed below can help you analyze which coverage providers to look at putting your business with.

Top 10 Baltimore Car Insurance Companies Overall

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

Top 10 Baltimore Car Insurance Companies Ranked by Customer Service

  1. USAA
  2. Travelers
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Safeco Insurance
  7. Progressive
  8. State Farm
  9. The Hartford
  10. The General

How to know if you need help

When it comes to coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s situation is a little different.Higher deductibles save money

These are some specific questions can aid in determining if your insurance needs will benefit from professional help.

If you’re not sure about those questions, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and may give you better protection.

Affordable car insurance is out there

More affordable car insurance in Baltimore is attainable both online and from local agencies, so you should be comparing quotes from both to have the best selection. Some car insurance companies may not offer the ability to get a quote online and these smaller companies only sell coverage through local independent agencies.

We’ve covered a lot of ways to get a better price on Volkswagen Routan insurance in Baltimore. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your prices. You may even find the lowest premium rates come from the smaller companies.

Drivers switch companies for a variety of reasons including delays in responding to claim requests, unfair underwriting practices, being labeled a high risk driver and delays in paying claims. Regardless of your reason, finding a new car insurance company can be easier than you think.

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