Trying to find cheaper insurance for a Volkswagen Routan in Florida can be a painful process, but you can learn a few tricks to save time.
There are both good and bad ways to compare auto insurance rates and you need to know the absolute fastest way to quote coverages for a new or used Volkswagen and get the lowest possible price either online or from Jacksonville insurance agents.
It’s a great practice to price shop coverage before your next renewal because prices tend to go up over time. Just because you had the lowest price on Volkswagen Routan insurance in Jacksonville six months ago other companies may now be cheaper. Ignore everything you know about auto insurance because I’m going to teach you the proper way to lower your annual insurance bill.
If you have a policy now or are looking for a new policy, you can use this information to find better prices while maintaining coverages. Shopping around for the best-priced auto insurance in Jacksonville is easy if you know what you’re doing. Drivers only need to know the tricks to compare different rates online.
The easiest way to get rate comparisons for Volkswagen Routan insurance in Jacksonville is to take advantage of the fact most insurance companies participate in a system to compare rate quotes. To start a quote, the only thing you need to do is provide the companies a bit of rating information like the year, make and model of vehicles, what your job is, if you require a SR-22, and whether the vehicles are used for commuting. Your rating data is sent automatically to many of the top insurers and they return quotes quickly.
If you would like to compare rates now, click here and complete the form.
The companies in the list below have been selected to offer price quotes in Florida. If multiple companies are shown, we suggest you compare several of them to get the best price comparison.
Detailed insurance information
The rate information shown next covers a range of insurance costs for Volkswagen Routan models. Having insight into how auto insurance prices are figured is important for making smart choices when comparing insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Routan S 2WD||$254||$352||$362||$22||$108||$1,098||$92|
|Routan SE 2WD||$286||$430||$362||$22||$108||$1,208||$101|
|Routan SEL 2WD||$286||$506||$362||$22||$108||$1,284||$107|
|Routan SEL Premium 6 Cyl 2WD||$320||$506||$362||$22||$108||$1,318||$110|
|Get Your Own Custom Quote Go|
Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Premium costs do not factor in the specific area where the vehicle is garaged which can revise coverage prices considerably.
Illustration showing the impact of accidents and violations
The chart below demonstrates how citations and accidents increase Volkswagen Routan auto insurance costs for different age groups of insureds. The data is based on a married male driver, full coverage, $500 deductibles, and no discounts are taken into consideration.
Difference between liability only and full coverage rates
The example below visualizes the comparison of Volkswagen Routan auto insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The price estimates are based on no violations or accidents, $500 deductibles, drivers are single, and no policy discounts are applied.
Should you pay for full coverage?
There is no written rule of when to phase out physical damage insurance, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than 10% of the replacement cost minus the deductible, then you might want to think about dropping full coverage.
For example, let’s pretend your Volkswagen Routan replacement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company will settle for is $7,000 after paying the physical damage deductible. If premiums are more than $700 annually for comprehensive and collision coverage, then you might want to consider buying only liability coverage.
There are some circumstances where buying only liability insurance is not a good plan. If you still have a loan on your vehicle, you have to carry full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not drop full coverage.
Local Jacksonville car insurance agents
A lot of people still like to buy from a licensed agent and that is not a bad decision Licensed agents can point out coverage gaps and help you file claims. One of the best bonuses of getting online price quotes is you can get the best rates but still work with a licensed agent. Putting coverage with local insurance agents is definitely important in Jacksonville.
Once you complete this quick form, your insurance coverage information is emailed to insurance agents in Jacksonville that can give you free Jacksonville car insurance quotes for your coverage. You won’t need to leave your computer because quoted prices will be sent directly to you. If for some reason you want to quote rates for a specific company, just go to their quote page and fill out their quote form.
Pick the best auto insurance agent in Jacksonville for you
If you want to use an insurance agent, there are a couple of different types of agencies and how they can write your policy. Agents can be described as either independent (non-exclusive) or exclusive. Either can properly insure your vehicles, but it’s important to point out the difference in the companies they write for because it can impact the selection process.
Independent agents do not have single company limitations and that allows them to write policies with multiple insurance companies and potentially find a lower price. If your agent finds better pricing, the agent simply finds a different carrier and you stay with the same agent.
When shopping rates, it’s recommended you get some free quotes from a few independent agents in order to compare the most rates. Many independent agencies also insure through less well-known companies who may have lower rates.
Shown below is a small list of independent insurance agents in Jacksonville who can help you get rate quotes.
- Jim White Insurance Agency
1840 Dunn Ave #6 – Jacksonville, FL 32218 – (904) 751-2222 – View Map
- Zellner Insurance Agency
4114 Sunbeam Rd #101 – Jacksonville, FL 32257 – (904) 356-1492 – View Map
- Norris Insurance Agency
10695 Beach Blvd #1 – Jacksonville, FL 32246 – (904) 329-7950 – View Map
Exclusive Auto Insurance Agents
Agents that elect to be exclusive normally can only provide a single company’s rates and examples are AAA, Allstate, and State Farm. They generally cannot compare rates from other companies so they have to upsell other benefits. Exclusive agencies are trained well on their company’s products which helps overcome the inability to quote other rates. Consumers frequently use the same agent primarily because of high brand loyalty and the convenience of having all coverages with one company.
The following is a short list of exclusive insurance agencies in Jacksonville that can give you rate quotes.
- Allstate Insurance: Jeff Bernard
7530 103rd St Ste 13 – Jacksonville, FL 32210 – (904) 777-3130 – View Map
- Kim Lego – State Farm Insurance Agent
13820 Old St Augustine Rd #401 – Jacksonville, FL 32258 – (904) 268-9900 – View Map
- GEICO Insurance Agent
1003 Atlantic Blvd – Jacksonville, FL 32233 – (904) 246-8650 – View Map
Picking the best insurance agency requires more thought than just a cheap price quote. Any agent in Jacksonville should be willing to answer these questions.
- How would your car be valued if totaled?
- Are all drivers listed on the coverage quote?
- In the event of vehicle damage, can you pick the collision repair facility?
- Do they prorate repair cost based on vehicle mileage?
- Did they already check your driving record and credit reports?
- Are you getting all the discounts the company offers?
- How many years of experience in personal auto insurance do they have?