Cheapest Insurance for a Volkswagen Routan in Baltimore

If 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.

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.

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.

• Gender and auto insurance – Statistics demonstrate women are more cautious behind the wheel. The data does not necessarily mean that women are better drivers. Both genders are in fender benders at about the same rate, but the male of the species have costlier accidents. They also have more aggressive citations like DWI (DUI) or reckless driving. Youthful male drivers generally have the highest accident percentage and therefore have the most expensive auto insurance rates.

  The information below compares Volkswagen Routan car insurance rates for male and female drivers. The costs are based on a clean driving record, no at-fault accidents, full coverage, $250 deductibles, marital status is single, and no other discounts are factored in.

• Car plus home equals more savings – Most major insurance companies apply better rates to customers that have more than one policy, otherwise known as a multi-policy discount. Even if you’re getting this discount consumers should still compare other Baltimore Routan insurance rates to guarantee you are still saving the most.
• Rates may be higher where you live – Choosing to live in a rural area can be a good thing when insuring your vehicles. City drivers have to deal with more road rage incidents and higher rates of accident claims. Fewer drivers and short commutes means less chance of accidents in addition to lower liability claims.
• Liability protection – Your auto insurance policy’s liability coverage kicks in if ever a court rules you are at fault for causing damage or personal injury in an accident. Liability insurance provides legal defense to attempt to prove you were not liable. This coverage is relatively inexpensive compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.

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.

• College Student – Youth drivers who attend college more than 100 miles from Baltimore and leave their car at home can be insured at a reduced rate.
• Pay Early and Save – If you can afford to pay the entire bill rather than paying monthly you may reduce your total bill.
• Drivers Education – Have your child take driver’s ed class as it will make them better drivers and lower rates.
• Bundle and Save – When you have multiple policies with the same company you will save up to 20% and get you low cost Volkswagen Routan insurance.
• Lower Rates for Military – Having a deployed family member can result in better premium rates.
• Switch and Save Discount – A few larger companies allow discounts for switching to them before your current coverage expires. You can save around 10% with this discount.
• Senior Citizen Discount – Seniors may receive better auto insurance rates.
• Defensive Driver Discount – Taking a class that teaches defensive driving techniques can save you 5% or more and easily recoup the cost of the course.
• No Claim Discounts – Baltimore drivers who stay claim-free have much lower rates as compared to bad drivers.
• Discounts for Responsible Drivers – Drivers without accidents can pay as much as 50% less compared to accident prone drivers.

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.

• GEICO offers discounts for anti-lock brakes, daytime running lights, multi-policy, federal employee, anti-theft, good student, and driver training.
• Travelers has discounts for IntelliDrive, multi-policy, payment discounts, new car, student away at school, driver training, and continuous insurance.
• Nationwide discounts include accident-free, easy pay, anti-theft, good student, and business or organization.
• Farmers Insurance policyholders can earn discounts including mature driver, electronic funds transfer, youthful driver, early shopping, distant student, business and professional, and bundle discounts.
• Esurance has savings for good driver, emergency road assistance, Switch & Save, anti-theft, Pac-12 alumni, multi-car, and safety device.
• State Farm offers premium reductions for good driver, multiple autos, good student, multiple policy, and Steer Clear safe driver discount.
• Progressive may have discounts that include good student, continuous coverage, homeowner, multi-policy, online quote discount, online signing, and multi-vehicle.
• Mercury Insurance may include discounts for annual mileage, good driver, multi-car, low natural disaster claims, professional/association, location of vehicle, and anti-theft.

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.

• Lambert Insurance Inc
  1826 Woodlawn Dr # 6 – Baltimore, MD 21207 – (410) 265-7850 – View Map
• Morgan Smith Insurance Agency
  847 W 36th St – Baltimore, MD 21211 – (410) 889-9290 – View Map
• Nationwide Insurance: Robert Frank Stastny
  6822 Harford Rd – Baltimore, MD 21234 – (410) 254-1500 – View Map

View more agents

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.

• Allstate Insurance: Shanda Hayden
  7200 Eastern Ave a – Baltimore, MD 21224 – (410) 282-7863 – View Map
• Tamara Thomson – State Farm Insurance Agent
  7823 Wise Ave – Baltimore, MD 21222 – (410) 282-7283 – View Map
• Raul Braun – State Farm Insurance Agent
  8609 Old Harford Rd – Baltimore, MD 21234 – (410) 663-3100 – View Map

View more agents

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

• Do they have any clout with companies to ensure a fair claim settlement?
• Do the companies they represent have a solid financial rating?
• Who is covered by the car insurance policy?
• Does the agency have a positive business rating?
• Are claims handled at the agent’s location?
• Does the quote include credit and driving reports?

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.

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

• When can I cancel my policy?
• Does my policy pay for OEM or aftermarket parts?
• Is a driver training discount available?
• What is motorclub and do I need it?
• Am I covered if I crash into my own garage door?
• Do I need special coverage while pulling a rented trailer?
• What is no-fault insurance?
• Can I use my car for my catering business?

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.

Additional information

• Choosing a Car for Your Teen (State Farm)
• How Much are Car Insurance Quotes for Ride Shares in Baltimore? (FAQ)
• How Much are Baltimore Auto Insurance Rates for Drivers Under 25? (FAQ)
• Who Has Affordable Auto Insurance Rates for Drivers Under 21 in Baltimore? (FAQ)
• State Car Insurance Guides (GEICO)
• Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
• Vehicle Insurance (Wikipedia)