Nobody likes having to buy insurance, especially when their premiums are through the roof. Companies like State Farm, Progressive and Geico continually bombard you with ad campaigns and it is challenging if not impossible to sift through the bull and do the work needed to find the best deal.
It’s a great practice to shop coverage around once or twice a year since rates change quite often. Even if you got the best rates for Routan coverage two years ago you can probably find a better price now. So just ignore everything you know about insurance because we’re going to show you the fastest and easiest way to find better rates and still maintain coverage.
If you have a current car insurance policy or need a new policy, you can use these techniques to find the best rates and still get good coverage. Buying car insurance is quite easy. Drivers just need to learn the best way to compare company rates over the internet.
Performing a rate comparison can be exhausting if you don’t know the most efficient way. You could spend the better part of a day driving to insurance companies in your area, or you could save time and use the web to get rates in a matter of minutes.
The majority of car insurance companies belong to an insurance system where insurance shoppers send in one quote, and each participating company provides a quote based on the submitted data. This eliminates the need for quote forms for every insurance company.
To fill out one form to compare multiple rates now click here to start a free quote.
One minor caviat to doing it this way is you don’t know exactly which insurance companies to get pricing from. So if you want to select specific insurance companies to request quotes from, we have assembled a list of low cost insurance companies in your area. Click here to view list.
Which method you use is up to you, but double check that you are using apples-to-apples quote information with every price quote. If each company quotes different liability limits it will be next to impossible to determine the best price for your Volkswagen Routan.
When buying proper insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions might point out whether your personal situation might need an agent’s assistance.
If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.
Having a good grasp of a insurance policy can help you determine the best coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on the average insurance policy.
Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Volkswagen Routan.
Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Usually these limits do not exceed the liability coverage limits.
Comprehensive insurance – This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims such as damage from flooding, damage from a tornado or hurricane and hitting a deer. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Liability coverages – Liability coverage can cover damage or injury you incur to a person or their property by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.
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 policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Some companies may use a combined limit that pays claims from the same limit rather than limiting it on a per person basis.
Liability can pay for claims like medical services, court costs, bail bonds and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.
Coverage for medical expenses – Med pay and PIP coverage reimburse you for expenses for things like funeral costs, dental work, X-ray expenses and pain medications. They can be utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible
Collision coverage – This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.
Collision insurance covers things like driving through your garage door, damaging your car on a curb, colliding with a tree and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.