Auto Insurance Quotes for a Volkswagen Routan in Anchorage

Insurance for Volkswagen RoutanIf saving money is your primary concern, then the best way to find the cheapest price for auto insurance rates is to make a habit of regularly comparing prices from different companies in Anchorage.

First, gain an understanding of how your policy works and the measures you can take to keep rates down. Many risk factors that drive up the price such as traffic citations, accidents, and an imperfect credit score can be remedied by making minor driving habit or lifestyle changes.

Second, compare rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give prices from a single company like Progressive or Allstate, while independent agents can provide price quotes for a wide range of companies. Begin your rate comparison

Third, compare the price quotes to your current policy premium and determine if there is any savings. If you find a better price and make a switch, verify that coverage does not lapse between policies.

A tip to remember is that you’ll want to compare the same liability limits and deductibles on every price quote and and to get rate quotes from as many companies as feasibly possible. This guarantees a level playing field and a complete rate analysis.

It’s a known fact that auto insurance companies don’t want you to look for a cheaper policy. Consumers who compare other rates will probably buy a new policy because they stand a good chance of finding coverage at a more affordable price. A study discovered that people who routinely shopped for cheaper coverage saved an average of $3,400 over four years as compared to drivers who never compared prices.

If saving money on car insurance in Anchorage is why you’re reading this, then having a grasp of how to compare car insurance can save time and make the process easier.

The fastest way that we advise to compare car insurance company rates for Volkswagen Routan insurance in Anchorage is to know the trick most of the larger companies participate in online systems to provide you with a free rate quote. To begin a comparison, all you need to do is spend a couple of minutes providing details such as if you went to college, the type of vehicles you drive, if you require a SR-22, and if your license is active. Your information is submitted instantly to many highly-rated insurers and you receive quotes within a short period of time.

To compare rates for your Volkswagen Routan now, click here and see if a lower rate is available in Anchorage.

The companies shown below provide quotes in Anchorage, AK. If you wish to find cheap car insurance in Alaska, we recommend you visit as many as you can to get the most affordable price.

Determine discounts on Anchorage car insurance

Some providers do not list every discount they offer in an easy-to-find place, so we took the time to find both well-publicized as well as the least known discounts that you may qualify for.Discount car insurance

Remember that some credits don’t apply to the whole policy. Most only reduce specific coverage prices like liability and collision coverage. If you do the math and it seems like you can get free auto insurance, you’re out of luck. Any amount of discount will bring down your overall bill.

The chart below illustrates the difference between Volkswagen Routan insurance costs with and without policy discounts. The rate quotes are based on a female driver, no tickets, no at-fault accidents, Alaska state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, homeowner, claim-free, marriage, and multi-policy discounts applied.

Some of the insurance companies that may offer these benefits include:

Before buying, ask every insurance company which discounts can lower your rates. Discounts may not be available in your area. To locate companies that have a full spectrum of discounts in Alaska, click here to view.

Rate information and statistics

The coverage information displayed next showcases different rate quotes for Volkswagen Routan models. Having a good understanding how prices are determined can assist in making smart choices when purchasing an insurance policy.

Volkswagen Routan Insurance Rates in Anchorage, AK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Routan S 2WD $202 $358 $262 $16 $78 $916 $76
Routan SE 2WD $228 $436 $262 $16 $78 $1,020 $85
Routan SEL 2WD $228 $514 $262 $16 $78 $1,098 $92
Routan SEL Premium 6 Cyl 2WD $254 $514 $262 $16 $78 $1,124 $94
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Alaska minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Price information does not factor in vehicle garaging location which can decrease or increase auto insurance rates greatly.

Comparison of policy deductibles

A question often asked by Anchorage drivers is which deductibles should you choose. The rates below help summarize the costs and benefits between low and high comp and collision deductibles. The first pricing table uses a $250 deductible for comprehensive and collision coverage and the second set of prices uses a $500 deductible.

Volkswagen Routan insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Routan S 2WD $210 $292 $232 $14 $70 $843 $70
Routan SE 2WD $238 $354 $232 $14 $70 $933 $78
Routan SEL 2WD $238 $418 $232 $14 $70 $997 $83
Routan SEL Premium 6 Cyl 2WD $264 $418 $232 $14 $70 $1,023 $85
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Volkswagen Routan insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Routan S 2WD $170 $234 $232 $14 $70 $720 $60
Routan SE 2WD $192 $286 $232 $14 $70 $794 $66
Routan SEL 2WD $192 $336 $232 $14 $70 $844 $70
Routan SEL Premium 6 Cyl 2WD $214 $336 $232 $14 $70 $866 $72
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Alaska minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Estimates do not factor in vehicle location which can increase or decrease premiums significantly.

Using the premium rates above, we can conclude that using a $250 deductible will cost you about $12 more each month or $144 each year than choosing the higher $500 deductible. Since the policyholder would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to have at least 21 months between claims, you would more than likely save some money by going with a higher deductible.

Rate comparison of full coverage and liability-only

The illustration below illustrates the comparison of Volkswagen Routan insurance costs with full physical damage coverage and with liability coverage only. The rates are based on no claims or driving violations, $1,000 deductibles, single marital status, and no other discounts are factored in.

Should you be buying full coverage?

There is no specific rule of when to eliminate comp and collision coverage, but there is a general guideline. If the annual cost of your full coverage insurance is about 10% or more of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.

For example, let’s pretend your Volkswagen Routan replacement cost is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would receive is $6,000 after paying the physical damage deductible. If premiums are more than $600 annually for full coverage, then it might be time to buy liability only.

There are some situations where buying only liability insurance is not a good plan. If you haven’t satisfied your loan, you have to keep full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should maintain full coverage.

Volkswagen Routan Insurance Premium Factors

Part of the car insurance buying process is learning some of the elements that help calculate your car insurance rates. When you know what positively or negatively determines base rates, this empowers consumers to make smart changes that may result in much lower annual insurance costs.

Bad driving leads to higher costs – Drivers with clean records receive lower rates than bad drivers. Even one driving citation can boost insurance rates by twenty percent. Drivers who get severe citations like reckless driving, hit and run or driving under the influence are required to maintain a SR-22 with their state in order to drive a vehicle legally.

The chart below demonstrates how traffic citations and fender-benders can impact Volkswagen Routan annual premium costs for different age groups. Data assumes a single female driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.

Gender and auto insurance – Over the last 30 years, statistics show that women are safer drivers than men. This data doesn’t prove that women are BETTER drivers than men. Females and males cause fender benders at a similar rate, but the men have costlier accidents. In addition to higher claims, males also get higher numbers of serious violations like DWI (DUI) or reckless driving.

The information below compares Volkswagen Routan car insurance rates for male and female drivers. The information is based on a clean driving record, no at-fault accidents, full physical damage coverage, $1,000 deductibles, single status, and no discounts are applied to the premium.

Your vocation is a factor – Do you work in a high-stress field? Jobs such as doctors, police officers, and accountants tend to have the highest rates attributed to high stress and lots of time spent at work. Conversely, careers like scientists, historians and homemakers receive lower rates.

Save money by having multiple policies – The majority of insurance companies will give discounts to buyers who carry more than one policy such as combining an auto and homeowners policy. Even with this discount applied, you may still want to compare other Anchorage Routan insurance rates to make sure you are getting the best deal.There is a good possibility that you can find better rates by buying insurance from more than one company.

City traffic equals higher prices – Residing in a small town has definite advantages when it comes to car insurance. Fewer drivers on the road means less chance of accidents and lower theft and vandalism rates. Residents of big cities tend to have more road rage incidents and longer commutes to work. More time on the road statistically corresponds to a higher accident and claim rate.

Better rates on cars with good safety ratings – Safe vehicles cost less to insure. Vehicles engineered for safety reduce the chance of injuries and reduced instances of injuries means less money paid by your insurance company which can mean better rates for you.

Single vs. married – Getting married can actually save you money on your car insurance bill. Having a significant other demonstrates that you tend to be more financially stable and insurance companies reward insureds because being married results in fewer claims.

Extra coverages that may not be needed – There are a lot of extra bells and whistles you can purchase if you aren’t careful. Coverages for coverage for rental cars, accident forgiveness, and membership fees are examples of these. These may sound like a good investment when you first buy your policy, but if you have no use for them consider taking them off your policy.