Drivers have many options when trying to find low-cost Volkswagen Passat CC insurance. You can either spend your time calling around trying to get quotes or utilize the internet to compare rates.
There are both good and bad ways to compare auto insurance rates and you need to know the proper way to quote coverages on a Volkswagen and obtain the lowest possible price either online or from local insurance agents.
This information will teach you how car insurance quotes work and some tricks to saving. If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using this information. Vehicle owners just need to learn the best way to compare prices over the internet.
Auto insurance quotes and discounts
Auto insurance can be pricey, but you may find discounts that can drop the cost substantially. A few discounts will automatically apply when you get a quote, but a few need to be asked about before you get the savings.
- Federal Employees – Employees or retirees of the government may reduce rates when you on Passat CC coverage with some auto insurance companies.
- Telematics Discount – Drivers who agree to allow data collection to track driving habits remotely like Allstate’s Drivewise could save a few bucks as long as the data is positive.
- Auto/Home Discount – If you can bundle your home and auto insurance with the same insurance company you could save nearly 15% which can help you find .
- Home Ownership Discount – Just owning your own home may earn you a small savings because of the fact that having a home shows financial diligence.
- Lower Rates for Military – Being on active duty in the military may qualify for rate reductions.
- ABS Brakes – Cars and trucks that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
Policy discounts save money, but some credits don’t apply to the entire cost. Some only reduce individual premiums such as physical damage coverage or medical payments. Despite the appearance that you would end up receiving a 100% discount, you’re out of luck.
A few of the larger companies and the discounts they provide are shown below.
- GEICO offers discounts including seat belt use, military active duty, good student, defensive driver, driver training, and multi-vehicle.
- MetLife may have discounts that include claim-free, multi-policy, defensive driver, good driver, good student, accident-free
- State Farm discounts include Steer Clear safe driver discount, passive restraint, multiple autos, Drive Safe & Save, defensive driving training, student away at school, and good student.
- Progressive offers discounts for good student, multi-vehicle, homeowner, online signing, continuous coverage, online quote discount, and multi-policy.
- Mercury Insurance may offer discounts for low natural disaster claims, location of vehicle, multi-policy, accident-free, age of vehicle, type of vehicle, and ease of repair.
- 21st Century has discounts for good student, driver training, theft prevention, air bags, and anti-lock brakes.
- Allstate may include discounts for multi-policy, EZ pay plan discount, new car, early signing, and senior citizen.
When comparing rates, check with all companies you are considering the best way to save money. A few discounts may not apply to policyholders in your area.
You Can Change Your Insurance Prices
Lots of things are part of the equation when you get a price on insurance. Some of the criteria are obvious like an MVR report, although some other factors are more transparent such as your marital status or how financially stable you are.
The factors shown below are a few of the “ingredients” used by insurance companies to determine your rates.
- How much liability – The liability section of your policy is the coverage that protects you in the event that you are found liable for damages caused by your negligence. Liability insurance provides for a legal defense starting from day one. Liability is cheap compared to other policy coverages, so buy as much as you can afford.
- Improve your credit score – Your credit rating factor in determining premium rates. If your credit rating is low, you could potentially save money when insuring your Volkswagen Passat CC if you clean up your credit. People that have good credit tend to be more responsible as compared to drivers with poor credit.
- Drive a safer car and pay less – Cars with five star safety ratings cost less to insure. The safest vehicles have better occupant injury protection and any reduction in injury severity means your insurance company pays less and lower rates for you.
- How do annual miles impact prices? – Driving more miles annually the higher your rate. The majority of insurers apply a rate determined by how the vehicle is used. Vehicles used primarily for pleasure use receive lower rates compared to those used for work or business. Improper usage on your Passat CC can cost quite a bit. Verify your auto insurance policy correctly shows the right rating data, because it can save money.
- Consider raising comp and collision deductibles – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, is used to repair damage to your vehicle. Some instances where coverage would apply could be running into the backend of another car, damage from fire, and having your car stolen. The deductibles you choose state the amount of money the insured will be required to pay if a covered claim is submitted. The more you choose to pay out-of-pocket, the better rate you will receive on Passat CC coverage.
Insurance agencies can help
Some consumers would prefer to buy from a local agent and that is a smart decision Insurance agents are very good at helping people manage risk and help in the event of a claim. A good thing about price shopping on the web is that you can find cheap auto insurance rates but also keep your business local. And buying from local insurance agents is important particularly in small towns.
After filling out this short form, your coverage information is submitted to participating agents that can provide for your insurance coverage. You don’t have to drive around because prices are sent directly to you. If you wish to get a rate quote for a specific company, you just need to find their quoting web page to submit a rate quote request.
Two types of car insurance agents
If you are wanting to find a reputable insurance agent or broker, there are a couple of different types of agents and how they can quote your rates. Agencies are either independent agents or captive agents depending on their employer. Either can do a good job, but it’s worth learning the difference in the companies they write for since it could factor into which agent you choose.
Independent Insurance Agents
Independent agents do not have single company limitations so as a result can place your coverage with multiple insurance companies and find the cheapest rate. If your agent finds better pricing, your policy is moved internally and you can keep the same agent.
When shopping rates, we recommend you get quotes from a few independent agents so that you can do a thorough price comparison. Most can insure with smaller regional carriers that can offer cheaper rates than bigger companies.
Captive Agents
Agents in the captive channel can only quote rates from one company such as State Farm, Allstate, or Farmers Insurance. Captive agencies are unable to place coverage with different providers so you need to shop around if the rates are high. Captive agents receive a lot of sales training on their products and sales techniques and that allows them to sell at a higher price point. Some insured continue to use the same agent partially due to the prominence of the brand rather than low rates.
To search for insurance agents near you, visit this full listing of insurance agencies.
Choosing an insurance agency should include more criteria than just a cheap price quote. Before buying a policy, get answers to these questions.
- How many companies do they write for?
- What insurance company do they write the most business with?
- Does the agency have a positive business rating?
- Do they review policy coverages at every renewal?
- In the event of vehicle damage, can you pick the collision repair facility?
- Does the agent recommend any additional coverage?
- Is the agent CPCU or CIC certified?
Drivers who switch save $407 a year? Really?
Consumers can’t get away from ads for the lowest price auto insurance from the likes of Progressive, GEICO, Allstate and State Farm. They all seem to make an identical promise about savings if you change to them.
Is it even possible that every company can cost less than your current company? This is the way they can do it.
All companies look for specific characteristics for the type of insured that makes them money. One example of a desirable risk might have to be over the age of 40, has no driving citations, and does not commute to work. A driver that hits that “sweet spot” will get low prices and will probably save when switching.
Insureds who cannot meet these stringent criteria may receive higher prices which usually ends up with the customer buying from someone else. The trick companies use is to say “drivers that switch” not “everyone that quotes” save that much money. That is how companies can truthfully advertise the way they do.
Because every company is different, it’s extremely important to compare quotes as often as possible. It’s not possible to predict which company will give you lower premium rates than your current company.
Persistence pays off
People who switch companies do it for many reasons like poor customer service, policy cancellation, extreme rates for teen drivers and even high rates after DUI convictions. Regardless of your reason for switching companies, finding a new auto insurance company is easier than you think.
You just learned many ideas to compare Volkswagen Passat CC insurance rates online. It’s most important to understand that the more providers you compare, the better likelihood of getting . You may be surprised to find that the lowest priced auto insurance comes from a small local company.
As you shop your coverage around, it’s very important that you do not sacrifice coverage to reduce premiums. Too many times, someone dropped full coverage only to discover later that the small savings ended up costing them much more. Your goal should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.
