Volkswagen Routan Insurance Rates in San Francisco

Insurance rates Volkswagen Routan in San FranciscoHow many times have you told yourself it’s time to shop around for lower-priced auto insurance rates in San Francisco, CA? San Francisco drivers have options when trying to find affordable Volkswagen Routan insurance. They can either waste time contacting agents to get rate comparisons or leverage the internet to find the lowest rates. There is a better way to compare auto insurance rates and you need to know the quickest way to quote coverages for your Volkswagen and get the best price possible from San Francisco insurance agents and online providers.

Consumers need to check auto insurance prices quite often because rates go up and down regularly. If you had the lowest rate on Volkswagen Routan insurance in San Francisco two years ago there may be better deals available now. Don’t believe everything you read about Routan insurance out there, but in a few minutes you can learn the best ways to save money.

The car insurance companies shown below are ready to provide free rate quotes in San Francisco, CA. If several companies are displayed, we suggest you visit several of them in order to get a fair rate comparison.

Save a ton on Volkswagen Routan insurance in San Francisco with these discounts

Some insurance providers do not advertise every possible discount very well, so the list below details a few of the more well known and the harder-to-find credits available to you. If you check and find you aren’t receiving every discount available, you are not getting the best rate possible.Discount insurance

Don’t be shocked that some of the credits will not apply to your bottom line cost. Some only reduce individual premiums such as liability and collision coverage. Despite the fact that it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

The chart below visualizes the comparison of Volkswagen Routan insurance premiums with and without discounts applied to the premium. The information is based on a female driver, no claims or driving violations, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, marriage, safe-driver, homeowner, and claim-free discounts applied.

Car insurance companies who might offer most of the discounts above include:

If you are trying to find affordable San Francisco auto insurance quotes, ask every prospective company which discounts you qualify for. Some discounts may not apply to policies in your area. If you would like to view insurance companies that provide some of the discounts listed above in San Francisco, follow this link.

Rate information and statistics

The rate table shown below covers detailed analysis of prices for Volkswagen Routan models. Learning as much as possible about how insurance quotes are calculated is important for making smart choices when comparing insurance quotes.


Volkswagen Routan Insurance Rates in San Francisco, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Routan S 2WD $346 $520 $386 $22 $116 $1,390 $116
Routan SE 2WD $390 $632 $386 $22 $116 $1,546 $129
Routan SEL 2WD $390 $744 $386 $22 $116 $1,658 $138
Routan SEL Premium 6 Cyl 2WD $436 $744 $386 $22 $116 $1,704 $142
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Rate information does not factor in San Francisco location which can lower or raise rates considerably.

Raise deductibles and save

When comparing car insurance rates, the most common question is which deductible level should you buy. The figures shown below can help show how much more you’ll pay when you choose different deductibles. The first pricing table uses a $250 deductible for physical damage and the second price grid uses a $500 deductible.


Volkswagen Routan insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Routan S 2WD $342 $472 $376 $22 $112 $1,349 $112
Routan SE 2WD $386 $576 $376 $22 $112 $1,497 $125
Routan SEL 2WD $386 $678 $376 $22 $112 $1,599 $133
Routan SEL Premium 6 Cyl 2WD $430 $678 $376 $22 $112 $1,643 $137
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Volkswagen Routan insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Routan S 2WD $278 $382 $376 $22 $112 $1,170 $98
Routan SE 2WD $314 $464 $376 $22 $112 $1,288 $107
Routan SEL 2WD $314 $546 $376 $22 $112 $1,370 $114
Routan SEL Premium 6 Cyl 2WD $348 $546 $376 $22 $112 $1,404 $117
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Rates do not factor in vehicle garaging location which can raise or lower price quotes noticeably.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you approximately $18 more each month or $216 for a full year than opting for the higher $500 deductible. Due to the fact that you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you normally go at a minimum 14 months between claim filings, you would save more money if you choose the higher deductible.

Age-based car insurance rates by gender in San Francisco

The information below shows the comparison of Volkswagen Routan insurance costs for male and female drivers. The premiums assume a clean driving record, no claims, comprehensive and collision coverage, $100 deductibles, marital status is single, and no discounts are taken into consideration.

Rate comparison of full coverage and liability-only

The diagram below shows the comparison of Volkswagen Routan insurance costs with and without physical damage coverage. The premiums are based on no violations or claims, $100 deductibles, single status, and no other discounts are factored in.

When to drop full coverage

There is no clear-cut formula for dropping full coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is 10% or more of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.

For example, let’s assume your Volkswagen Routan book value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, you would only receive $7,000 after paying your deductible. If it’s costing in excess of $700 annually for physical damage coverage, then you might consider buying liability only.

There are some situations where only buying liability is not a good plan. If you haven’t paid off your loan, you must maintain physical damage coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not drop full coverage.

How Insurance Providers Determine Volkswagen Routan Insurance Costs

Many things are used when you get a price on insurance. Some are obvious like an MVR report, but others are less apparent like where you live or how financially stable you are. A large part of saving on insurance is knowing some of the elements that play a part in calculating insurance rates. If you understand what impacts premium levels, this enables you to make decisions that may result in cheaper rates.

The list below includes a few of the “ingredients” that factor into prices.