We don’t have to point out that fact that car insurance companies don’t want you quoting rates from other companies. Insureds who get price comparisons will, in all likelihood, switch to a new company because of the good chance of finding better rates. A recent study showed that drivers who shopped around saved about $865 annually compared to people who never shopped for cheaper rates.
If finding the most affordable insurance is your intention, then having some insight into how to get rate quotes and compare cheaper coverage can make it easier to shop your coverage around.
To save the most money, the best way to get discount car insurance rates is to compare quotes once a year from different companies who provide car insurance in Cincinnati. Price quotes can be compared by following these guidelines.
- First, take a little time to learn about how your policy works and the things you can control to lower rates. Many policy risk factors that cause rate increases like high-risk driving behaviors and an imperfect credit history can be controlled by improving your driving habits or financial responsibility.
- Second, compare prices from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only quote rates from a single company like Progressive and State Farm, while agents who are independent can provide price quotes for a wide range of companies.
- Third, compare the new quotes to your existing policy to see if you can save by switching companies. If you find a better price, ensure there is no coverage lapse between policies.
- Fourth, give proper notification to your current agent or company to cancel your current car insurance policy and submit any necessary down payment along with the completed application to your new carrier. Once received, safely store the proof of insurance paperwork in an easily accessible location.
An essential thing to point out is that you’ll want to make sure you compare the same physical damage deductibles and liability limits on each quote request and to quote with as many different insurance providers as possible. This enables the most accurate price comparison and a complete price analysis.
Buying the cheapest insurance in Cincinnati can really be easy if you know what you’re doing. If you are paying for car insurance now, you should be able to find the best rates using the techniques covered below. You just have to understand the most effective way to compare rates using one simple form.
The easiest way to get rate comparisons for Volkswagen Routan insurance in Cincinnati is to understand most of the bigger providers provide online access to give free rates quotes. The one thing you need to do is provide information like whether or not you need a SR-22, how many miles driven, types of safety features, and if you’re married. The rating information is instantly sent to many different companies and you should receive rate quotes quickly.
To check Volkswagen Routan insurance prices now, click here and enter your zip code.
The car insurance companies shown below are ready to provide quotes in Ohio. In order to find the best auto insurance in Ohio, we suggest you compare several of them to get a more complete price comparison.
Rate information and statistics
The information displayed below highlights detailed analysis of prices for Volkswagen Routan models. Being aware of how auto insurance premiums are calculated can assist in making smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Routan S 2WD | $178 | $266 | $198 | $12 | $60 | $714 | $60 |
| Routan SE 2WD | $200 | $324 | $198 | $12 | $60 | $794 | $66 |
| Routan SEL 2WD | $200 | $382 | $198 | $12 | $60 | $852 | $71 |
| Routan SEL Premium 6 Cyl 2WD | $224 | $382 | $198 | $12 | $60 | $876 | $73 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Price estimates do not factor in garaging location in Cincinnati which can influence rates significantly.
Higher deductibles lower rates
When shopping for auto insurance, a common question is how high should your deductibles be. The data tables below may help to illustrate the difference in cost when you buy lower versus higher comp and collision deductibles. The first set of rates uses a $250 deductible for comp and collision and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Routan S 2WD | $176 | $242 | $192 | $12 | $58 | $705 | $59 |
| Routan SE 2WD | $198 | $296 | $192 | $12 | $58 | $781 | $65 |
| Routan SEL 2WD | $198 | $348 | $192 | $12 | $58 | $833 | $69 |
| Routan SEL Premium 6 Cyl 2WD | $220 | $348 | $192 | $12 | $58 | $855 | $71 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Routan S 2WD | $108 | $152 | $192 | $12 | $58 | $522 | $44 |
| Routan SE 2WD | $122 | $186 | $192 | $12 | $58 | $570 | $48 |
| Routan SEL 2WD | $122 | $220 | $192 | $12 | $58 | $604 | $50 |
| Routan SEL Premium 6 Cyl 2WD | $136 | $220 | $192 | $12 | $58 | $618 | $52 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Table data does not factor in specific garaging location which can impact auto insurance rates substantially.
Based on the figures above, using a $250 deductible costs roughly $17 more each month or $204 each year across all Volkswagen Routan models than opting for the higher $1,000 deductible. Since you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you average more than 44 months between claims, you would probably come out ahead by selecting a higher deductible.
Calculation for determining deductible levels
| Average monthly premium for $250 deductibles: | $66 |
| Average monthly premium for $1,000 deductibles (subtract): | – $49 |
| Monthly savings from raising deductible: | $17 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $17 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 44 months |
The illustration below illustrates how your choice of deductibles and can influence Volkswagen Routan insurance prices for different ages of insureds. The rates are based on a married male driver, comprehensive and collision coverage, and no discounts are factored in.
Reckless driving habits raise Cincinnati auto insurance rates
The information below illustrates how traffic citations and at-fault accidents can increase Volkswagen Routan auto insurance rates for different ages of insureds. The data assumes a single male driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.
These discounts can lower your auto insurance rates
Some insurance providers don’t always publicize every policy discount very clearly, so the list below contains both the well known in addition to some of the lesser obvious ways to save on auto insurance.
- Student Discounts – A discount for being a good student may save as much as 25% on a Cincinnati car insurance quote. Earning this discount can benefit you well after school through age 25.
- Anti-lock Brake System – Cars and trucks with ABS and/or traction control are safer to drive and qualify for as much as a 10% discount.
- No Claim Discounts – Good drivers with no accidents are rewarded with significantly better rates on Cincinnati car insurance quote as compared to insureds who have frequent claims or accidents.
- Government Employees – Active or retired federal employment may qualify for a discount when you quote Cincinnati car insurance with a few auto insurance companies.
- Multiple Vehicles – Purchasing coverage when you have primary and secondary vehicles with the same company can get a discount for every vehicle.
- Early Signing – Some larger companies give discounts for renewing your policy early. It’s a savings of about 10%.
- Senior Citizen Discount – Drivers over the age of 55 are able to get a small decrease in premiums.
- Passive Restraints – Factory air bags could see savings of more than 20%.
We need to note that many deductions do not apply to your bottom line cost. A few only apply to individual premiums such as physical damage coverage or medical payments. If you do the math and it seems like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.
The illustration below shows the difference between Volkswagen Routan auto insurance costs with and without discounts applied. The information is based on a male driver, no accidents, no driving violations, Ohio state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, claim-free, safe-driver, homeowner, and multi-policy discounts applied.
If you would like to choose from a list of providers that offer the discounts shown above in Cincinnati, click here to view.
Three reasons car insurance is important
Despite the high cost of buying insurance for a Volkswagen Routan in Cincinnati, maintaining insurance is most likely required but also gives you several important benefits.
- Just about all states have minimum mandated liability insurance limits which means you are required to buy specific limits of liability insurance coverage if you don’t want to risk a ticket. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your Volkswagen has a loan, almost every bank will force you to have comprehensive coverage to ensure loan repayment if the vehicle is totaled. If you cancel or allow the policy to lapse, the bank may buy a policy for your Volkswagen at a significantly higher premium and make you pay the higher premium.
- Insurance safeguards not only your Volkswagen but also your financial assets. It will also reimburse you for most medical and hospital costs for yourself as well as anyone injured by you. Liability coverage, the one required by state law, will also pay attorney fees if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of buying enough insurance greatly outweigh the cost, especially with large liability claims. Despite what companies tell you, the average driver is overpaying over $865 each year so it’s very important to do a rate comparison each time the policy renews to be sure current rates are still competitive.
Can’t I compare rate quotes from local Cincinnati insurance agencies?
Certain consumers still prefer to buy from a licensed agent and that is not a bad decision Insurance agents are trained risk managers and will help you if you have claims. One of the benefits of comparing rate quotes online is that you can obtain better rates but also keep your business local.
After completing this short form, the quote information is sent to participating agents in Cincinnati who will give you bids and help you find cheaper coverage. You don’t have to drive around since price quotes are sent to you directly. If you need to quote rates from a specific insurance company, you just need to visit that company’s website and submit a quote form there.
Picking the best provider should depend on more than just a cheap quote. These are some questions you should get answers to.
- In the event of vehicle damage, can you pick the collision repair facility?
- Does the agency provide any after hours assistance?
- How does the company pay claims for a total loss?
- Which companies do they recommend if they are an independent agency?
- Will you get a loaner vehicle if you car is being repaired?
- Will they give you a referral list?
When finding an insurance agent, there are a couple of different types of agents that differ in how they can insure your vehicles. Insurance agencies in Cincinnati are categorized either exclusive agents or independent agents. Either one can handle insurance, but it’s worth learning the difference in the companies they write for because it can influence the type of agent you choose.
Exclusive Insurance Agencies
These agents are contracted to one company such as Farmers Insurance, American Family, State Farm and Allstate. These agents are not able to compare other company’s rates so they have to upsell other benefits. Exclusive agencies are usually quite knowledgeable on their products and sales techniques which helps them compete with independent agents. Consumers frequently buy insurance from these agents partially due to the brand name and the convenience of having a single billing for all their coverages.
Shown below are Cincinnati exclusive agents who can help you get rate quotes.
- Mark Redmond – State Farm Insurance Agent
7225 Colerain Ave Ste 202 – Cincinnati, OH 45239 – (513) 221-7836 – View Map - State Farm: Randy Wagner
1167 8 Mile Rd – Cincinnati, OH 45255 – (513) 474-4100 – View Map - Connor Smith – State Farm Insurance Agent
9620 Colerain Ave #25 – Cincinnati, OH 45251 – (513) 385-3385 – View Map
Independent Agents
Agents that elect to be independent are normally appointed by many insurers so they can insure your vehicles through many different insurance companies and get the cheapest rates. If your premiums go up, they simply move your policy to a different company and that require little work on your part.
When comparing rates, you will definitely want to get several quotes from a few independent agents to get the most accurate price comparison. Most also have access to different regional companies that many times have cheaper rates.
The following is a short list of independent insurance agents in Cincinnati who can help you get price quotes.
- CAI Insurance Agency, Inc.
2035 Reading Rd – Cincinnati, OH 45202 – (513) 221-1140 – View Map - Iori Insurance Agency
3310 Westbourne Dr – Cincinnati, OH 45248 – (513) 661-2445 – View Map - Christenson Lewis Insurance Agency
4484 Mt Carmel Tobasco Rd – Cincinnati, OH 45244 – (513) 528-4222 – View Map
If you get satisfactory answers to all your questions as well as low cost Volkswagen Routan insurance quotes, you may have just found a car insurance agent that will properly service your insurance policy.