The best way to get discount Volkswagen Routan insurance in Santa Ana is to do a yearly price comparison from insurers who provide car insurance in California.
- Learn about how companies price auto insurance and the measures you can take to lower rates. Many rating criteria that are responsible for high rates like traffic violations and a less-than-favorable credit rating can be amended by making small lifestyle or driving habit changes. This article provides additional ideas to get lower rates and find overlooked discounts.
- Compare price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only give rate quotes from one company like GEICO and State Farm, while agents who are independent can give you price quotes for many different companies. Compare rates
- Compare the new rates to the premium of your current policy and determine if there is any savings. If you find a better price, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Provide notification to your current company of your intent to cancel your current car insurance policy and submit a down payment along with a signed application to your new carrier. Once received, put the proof of insurance paperwork in your vehicle.
One key aspect when comparing rates is that you use identical coverages on each quote request and and to compare all possible companies. Doing this helps ensure an accurate price comparison and a better comparison of the market.
It's easy to assume that car insurance companies don't want customers comparing rates. Insureds who shop around for cheaper prices are inclined to switch to a new company because there is a good probability of finding a more affordable policy premium. A study showed that drivers who make a habit of shopping around saved about $3,400 over four years compared to other drivers who never shopped around for better prices.
If finding the best price on insurance in Santa Ana is the reason for your visit, understanding how to shop and compare insurance coverage can help simplify the process.
Lowering your insurance rates isn't really that difficult. The only thing you need to do is spend a few minutes to compare rates to find out which insurance company has low cost Santa Ana car insurance quotes.
The companies in the list below are our best choices to provide price quotes in Santa Ana, CA. If more than one company is shown, we recommend you click on several of them to get the most affordable price.
Rate information and statistics
The coverage table displayed next highlights different insurance costs for Volkswagen Routan models. Understanding more about how auto insurance prices are calculated can help guide drivers when making informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Routan S 2WD | $316 | $382 | $492 | $30 | $148 | $1,368 | $114 |
| Routan SE 2WD | $358 | $464 | $492 | $30 | $148 | $1,492 | $124 |
| Routan SEL 2WD | $358 | $546 | $492 | $30 | $148 | $1,574 | $131 |
| Routan SEL Premium 6 Cyl 2WD | $398 | $546 | $492 | $30 | $148 | $1,614 | $135 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Rate information does not factor in specific Santa Ana garaging location which can increase or decrease price quotes considerably.
The information below highlights how deductible choice and can impact Volkswagen Routan yearly insurance costs for different ages of insureds. The rate quotes are based on a single male driver, full physical damage coverage, and no policy discounts are applied.
Tickets and at-fault accidents raise rates
The information below shows how speeding tickets and at-fault claims can impact Volkswagen Routan insurance premiums for different age groups. The costs are based on a married male driver, comp and collision included, $1,000 deductibles, and no additional discounts are factored in.
Verify you're receiving every discount
Insuring your vehicles can cost a lot, but you may find discounts that many people don't even know exist. A few discounts will be applied at quote time, but once in a while a discount must be requested specifically prior to getting the savings.
- Good Student Discount - This discount can save 20 to 25%. This discount can apply up until you turn 25.
- ABS and Traction Control Discounts - Cars, trucks, and SUVs with ABS and/or traction control are safer to drive and earn discounts up to 10%.
- Discount for Life Insurance - Larger insurance companies have a small discount if you purchase a life policy as well.
- More Vehicles More Savings - Buying a policy with several vehicles on one policy can get a discount for every vehicle.
- New Car Discount - Buying a new car model may earn a small discount because newer vehicles have to meet stringent safety requirements.
- Active Military Service - Having a deployed family member may lower your rates slightly.
One last thing about discounts, some of the credits will not apply to the overall cost of the policy. Some only reduce individual premiums such as liability, collision or medical payments. So when it seems like you would end up receiving a 100% discount, it doesn't quite work that way. But any discount will bring down your premiums.
The diagram below illustrates the comparison of Volkswagen Routan insurance costs with and without discounts applied to the policy premium. The data assumes a female driver, no claims or driving citations, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, homeowner, multi-car, claim-free, and multi-policy discounts applied.
Some companies that possibly offer most of these discounts include:
If you are trying to find affordable Volkswagen Routan insurance quotes, ask every insurance company which discounts you may be entitled to. Some discounts listed above may not apply to policyholders in your area. To view providers who offer insurance discounts in California, follow this link.
Why do I need car insurance?
Despite the high insurance cost for a Volkswagen Routan in Santa Ana, car insurance is required for several reasons.
- Most states have minimum liability requirements which means it is punishable by state law to not carry a specific level of liability protection in order to get the vehicle licensed. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your Volkswagen Routan has a lienholder, most banks will make it mandatory that you buy insurance to guarantee their interest in the vehicle. If you do not keep the policy in force, the lender may have to buy a policy to insure your Volkswagen at an extremely high rate and force you to pay the higher premium.
- Insurance protects both your Volkswagen Routan and your personal assets. It also can pay for hospital and medical expenses for both you and anyone you injure as the result of an accident. One of the most valuable coverages, liability insurance, also covers legal expenses if anyone sues you for causing an accident. If damage is caused by hail or an accident, your car insurance policy will cover the damage repairs after a deductible is paid.
The benefits of buying enough insurance are without a doubt worth the cost, particularly for liability claims. According to a recent study, the average American driver is wasting up to $830 a year so you should quote your policy with other companies each time the policy renews to ensure rates are competitive.
Tailor your insurance coverage to you
When buying coverage online or from an agent for your vehicles, there really is not a one-size-fits-all type of policy. Your situation is unique so your insurance should reflect that
For example, these questions can help discover if your insurance needs could use an agent's help.
- Can I rent a car in Mexico?
- When should I drop full coverage on my Volkswagen Routan?
- Is other people's property covered if stolen from my vehicle?
- Am I covered when driving in Canada or Mexico?
- Do I have coverage if my license is suspended?
- What does medical payments cover?
- Is my custom stereo system covered?
- What is the minimum liability in California?
- Who sells insurance for high-risk drivers?
If you can't answer these questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It's fast, free and may give you better protection.
Compare rate quotes but buy from a local Santa Ana insurance agent
A small number of people prefer to visit with an insurance agent and we recommend doing that Professional insurance agents are very good at helping people manage risk and help you file claims. One of the benefits of comparing rate quotes online is that you can find lower car insurance rates and still have an agent to talk to.
Upon completion of this form (opens in new window), your insurance data is submitted to local insurance agents that can give you free Santa Ana car insurance quotes for your business. It simplifies rate comparisons since you won't have to even leave your home as quotes are delivered to your email. If you wish to get a rate quote from one company in particular, feel free to go to their quote page and fill out their quote form.
Finding a good insurance company needs to be determined by more than just the premium amount. These questions are important to ask:
- What is the financial rating for the quoted company?
- Are they actively involved in the community?
- Will the agent or a CSR service your policy?
- Does the agent have a valid license to sell insurance in California?
- Is the agency covered by Errors and Omissions coverage?
If you prefer to buy auto insurance from a local insurance agency, it can be helpful to understand the different types of agents and how they can service your needs differently. Auto insurance agents in Santa Ana can either be independent agents or exclusive agents. Both can sell affordable auto insurance policies, but it's good to learn why they differ because it can influence the kind of agent you use.
Exclusive Insurance Agencies
Agents of this type can only provide one company's prices and some examples include Farmers Insurance, Allstate, or State Farm. Exclusive agents cannot compare rates from other companies so they have to upsell other benefits. They are well trained on their company's products which helps them compete with independent agents. Consumers sometimes use the same exclusive agent mainly due to the prominent brand name rather than low rates.
Shown below is a short list of exclusive insurance agents in Santa Ana who may provide you with price quote information.
- Farmers Insurance - Jose Garrido
705 W 17th St, Ste B-2 - Santa Ana, CA 92706 - (714) 558-4814 - View Map - Farmers Insurance - Rodolfo Guzman
1740 W Edinger Ave - Santa Ana, CA 92704 - (714) 556-5942 - View Map - Farmers Insurance: Wendy Munoz
2441 N Tustin Ave - Santa Ana, CA 92705 - (714) 550-1100 - View Map
Independent Agents (or Brokers)
These agents are not limited to a single company and that gives them the ability to insure with many different companies and help determine which has the cheapest rates. If you want to switch companies, they simply move your policy to a different company and you stay with the same agent. If you are comparing rate quotes, you definitely need to compare quotes from independent agents to ensure the widest selection of prices. Most also have access to small mutual carriers that many times have cheaper rates.
Shown below are independent insurance agencies in Santa Ana that can give you comparison quotes.
- Neighborhood Insurance Agency
1333 E First St - Santa Ana, CA 92701 - (714) 285-9990 - View Map - Adriana's Insurance Services
2302 S Bristol St A - Santa Ana, CA 92704 - (714) 352-3777 - View Map - Ammar Insurance Agency
726 S Main St - Santa Ana, CA 92701 - (714) 547-2400 - View Map