Affordable Rate Quotes for Volkswagen Routan Insurance in Henderson

Everyone knows that insurance companies don’t want policyholders to compare prices from other companies. Consumers who compare rates once a year will, in all likelihood, switch to a new company because there is a significant possibility of finding a policy with more affordable rates. Remarkably, a study showed that people who routinely compared rates saved as much as $70 a month as compared to drivers who never compared rates.

If finding the cheapest price for Volkswagen Routan insurance is your goal, understanding how to choose a company and compare car insurance can make it simple to find affordable coverage.

Insurance quote for Volkswagen Routan in HendersonIf saving the most money is your goal, then the best way to find low-cost car insurance rates is to do an annual price comparison from providers who provide car insurance in Henderson.

Step 1: Spend some time learning about policy coverages and the factors you can control to drop your rates. Many factors that cause rate increases like accidents, traffic violations, and a negative credit rating can be remedied by making minor changes in your lifestyle.

Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only provide price estimates from one company like Progressive or Allstate, while independent agencies can provide price quotes for a wide range of companies.

Step 3: Compare the new rates to your existing policy to see if you can save by switching companies. If you can save money and switch companies, make sure there is no coverage gap between policies.

One key aspect of rate comparisons is that you’ll want to make sure you compare the same physical damage deductibles and liability limits on every price quote and and to get price estimates from as many companies as feasibly possible. Doing this enables an apples-to-apples comparison and maximum price selection.

If you currently have a car insurance policy, you will surely be able to find the best rates using the ideas presented in this article. Our objective is to help educate you on the best way to buy inexpensive auto insurance. Although Nevada car owners can benefit by having an understanding of the methods companies use to market on the web because rates fluctuate considerably.

When comparing car insurance rates, know that comparing a wide range of rates increases your odds of finding a lower rate.

The companies in the list below provide price comparisons in Nevada. In order to find cheap auto insurance in Nevada, we recommend you get prices from several of them to get a more complete price comparison.

Three good reasons to insure your Routan

Despite the high cost, paying for auto insurance is required by state law in Nevada and it also provides benefits you may not be aware of.

The benefits of carrying enough insurance are without a doubt worth the cost, particularly when you have a large claim. Unknowingly, the average driver is overpaying over $869 every year so you should quote your policy with other companies at every policy renewal to help ensure money is not being wasted.

Volkswagen Routan insurance analysis

The coverage table shown below outlines detailed analysis of insurance premium costs for Volkswagen Routan models. Learning how insurance prices are established is important to be able to make decisions on the best policy to buy.

Volkswagen Routan Insurance Rates in Henderson, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Routan S 2WD $254 $444 $340 $20 $102 $1,160 $97
Routan SE 2WD $288 $542 $340 $20 $102 $1,292 $108
Routan SEL 2WD $288 $638 $340 $20 $102 $1,388 $116
Routan SEL Premium 6 Cyl 2WD $320 $638 $340 $20 $102 $1,420 $118
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Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Estimates do not factor in specific location information which can revise prices substantially.

Higher deductibles save money

One of the most common insurance questions is how high or low should comp and collision deductibles be. The following insurance rates may help to conceptualize the cost difference when you choose different policy deductibles. The first rate comparisons uses a $250 deductible for physical damage and the second price table uses a $500 deductible.

Volkswagen Routan insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Routan S 2WD $238 $330 $262 $16 $78 $949 $79
Routan SE 2WD $268 $402 $262 $16 $78 $1,051 $88
Routan SEL 2WD $268 $472 $262 $16 $78 $1,121 $93
Routan SEL Premium 6 Cyl 2WD $300 $472 $262 $16 $78 $1,153 $96
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Volkswagen Routan insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Routan S 2WD $194 $266 $262 $16 $78 $816 $68
Routan SE 2WD $218 $324 $262 $16 $78 $898 $75
Routan SEL 2WD $218 $382 $262 $16 $78 $956 $80
Routan SEL Premium 6 Cyl 2WD $244 $382 $262 $16 $78 $982 $82
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Information does not factor in specific garaging location which can increase or decrease auto insurance rates significantly.

Based on the data above, we can derive that using a $250 deductible costs about $13 more each month or $156 a year across all Volkswagen Routan models than requesting the higher $500 deductible. Due to the fact that you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you normally go more than 19 months between claim filings, you would save money if you opt for a higher deductible.

Calculation for determining deductible levels

Average monthly premium for $250 deductibles: $89
Average monthly premium for $500 deductibles (subtract): – $76
Monthly savings from raising deductible: $13
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $13
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

One important caveat is that raising deductibles to save money means you will have to pay more of your own money if you have a claim. You must have some savings in the bank in the event you need to pay the deductible.

Rate comparison of male drivers versus female drivers

The example below illustrates the comparison of Volkswagen Routan insurance costs for male and female drivers. The rate quotes are based on a clean driving record, no claims, full physical damage coverage, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.

Full coverage rates compared to liability-only

The example below illustrates the comparison of Volkswagen Routan auto insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Nevada. The rate quotes are based on no accidents, no driving violations, $100 deductibles, drivers are single, and no discounts are taken into consideration.

Should you pay for full coverage?

There is no definitive rule of when to phase out full coverage on your policy, but there is a guideline you can use. If the annual cost of coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.

For example, let’s say your Volkswagen Routan settlement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, you would only receive $4,000 after paying the physical damage deductible. If you are paying more than $400 a year for physical damage coverage, then you might consider buying liability only.

There are some situations where dropping physical damage coverage is not in your best interest. If you still owe money on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should keep full coverage on your policy.

Save with these eight premium slashing discounts

Some providers don’t necessarily list every policy discount very clearly, so we researched some of the best known and also the more inconspicuous discounts that may be available.Save money with discounts

Drivers should understand that some credits don’t apply to the entire cost. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Just because you may think adding up those discounts means a free policy, companies wouldn’t make money that way.

The chart below shows the comparison of Volkswagen Routan insurance costs with and without discounts being applied to the rates. The costs are based on a male driver, no claims or driving violations, Nevada state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, claim-free, homeowner, multi-car, and multi-policy discounts applied.

Insurance companies that have many of the previously listed discounts include:

Before purchasing a policy, check with each company which discounts you qualify for. Savings might not be offered everywhere.

When to contact an insurance agency

Certain consumers would prefer to get advice from a local agent and that is recommended in a lot of cases One of the great benefits of comparing car insurance online is that you can find cheap car insurance rates and also buy local.

Insurance agents in HendersonBy using this form (opens in new window), your insurance data is instantly submitted to participating agents in Henderson that can provide free Henderson auto insurance quotes for your car insurance coverage. It makes it easy because there is no need to visit any agencies since price quotes are sent to you instantly. You can get cheaper car insurance rates and a licensed agent to talk to. In the event you want to compare prices for a specific company, just navigate to their website and submit a quote form there.

Finding a good insurer requires more thought than just the quoted price. These are some questions you should get answers to.

Exclusive agents vs. Independent agents

If you need to find local Henderson agents, there are a couple of types of insurance agents from which to choose. Agents in Henderson can either be independent agents or exclusive agents depending on their employer.

Exclusive Agents

Exclusive agents can only provide pricing for a single company like Allstate, State Farm and Farm Bureau. They usually cannot provide other company’s prices so you might not find the best rates. Exclusive agents are well trained on their company’s products and that can be a competitive advantage. Some consumers prefer to purchase coverage from exclusives primarily because of the prominent brand name rather than low price.

Below are exclusive agencies in Henderson that can give you comparison quotes.

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Independent Car Insurance Agencies

Independent insurance agents can quote rates with many companies and that is an advantage because they can write policies with many different companies and find you the best rates. If you want to switch companies, the business is moved internally and you don’t have to switch agencies. When comparison shopping, it’s a good idea to include rate quotes from at least one independent agent for the best price selection. Most can insure with smaller mutual companies which may have better rates.

Shown below is a list of independent agencies in Henderson willing to provide price quotes.

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Do I just need basic coverages?

Keep in mind that when it comes to choosing coverage online or from an agent, there really is not a best way to insure your cars. Each situation is unique and your policy should reflect that.Safe vehicles cost less to insure
These are some specific questions may help highlight if you might need an agent’s assistance.

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Ratings for Henderson car insurance companies

Insuring your vehicle with a highly-rated insurer can be difficult considering how many choices you have in Henderson. The company information in the next section may help you analyze which companies you want to consider when shopping your coverage around.

Best Car Insurance Companies in Nevada
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
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Data Source: Best Car Insurance Companies

Car insurance coverage considerations

Having a good grasp of a car insurance policy helps when choosing which coverages you need and proper limits and deductibles. Car insurance terms can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages offered by car insurance companies.


This provides protection from damage or injury you incur to other people or property by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 15/30/10 that means you have a limit of $15,000 per injured person, a limit of $30,000 in injury protection per accident, and property damage coverage for $10,000.

Liability coverage protects against things like medical services, funeral expenses, medical expenses and structural damage. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible. Nevada state minimum liability requirements are 15/30/10 but drivers should carry better liability coverage.

The next chart demonstrates why the minimum limit may not be high enough to adequately cover claims.

Comprehensive insurance

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things such as rock chips in glass, damage from a tornado or hurricane, a tree branch falling on your vehicle and hitting a bird. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for expenses such as prosthetic devices, X-ray expenses, nursing services, surgery and pain medications. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle when other motorists 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.

Due to the fact that many Nevada drivers carry very low liability coverage limits (15/30/10 in Nevada), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Collision coverage

This coverage covers damage to your Routan from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as driving through your garage door, sustaining damage from a pot hole, colliding with another moving vehicle and scraping a guard rail. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also increase the deductible on your Routan in order to get cheaper collision rates.

Persistence is the key to affordable rates

Some insurance providers don’t offer the ability to get a quote online and usually these small insurance companies only sell through independent agents. Budget-conscious Volkswagen Routan insurance can be sourced from both online companies in addition to local insurance agencies, so you should compare both in order to have the best price selection to choose from.

When buying insurance coverage, it’s not a good idea to buy less coverage just to save a little money. There are a lot of situations where an accident victim reduced uninsured motorist or liability limits only to discover later that the few dollars in savings costed them thousands. The aim is to buy the best coverage you can find at an affordable rate, but don’t skip important coverages to save money.

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