Consumers have lots of choices when looking for affordable Volkswagen CC insurance. You can either spend your time contacting agents getting price quotes or save time using the internet to make rate comparisons. There is a better way to shop for car insurance so you’re going to learn the quickest way to quote coverages for a new or used Volkswagen and locate the lowest possible price from local insurance agents and online providers.
You need to compare prices periodically because rates trend upward over time. Just because you had the best rates for CC coverage a year ago you may be paying too much now. There is a lot of bad advice regarding car insurance online, so we’re going to give you some guaranteed methods to find affordable car insurance.
Cheap Car Insurance Comparisons
There are several ways to shop for car insurance, and some are less labor-intensive and much quicker. You can waste a lot of time talking about coverages with agents in your area, or you could save time and use the web to get the quickest rates.
Most major companies take part in a program where prospective buyers enter their coverage request one time, and every company can give them a price. This saves time by eliminating form submissions for each company.
To access this free quoting program, click here (opens in new window).
The one downside to pricing coverage this way is you are unable to specify which carriers you want to price. If you would rather choose specific insurance companies to request quotes from, we put together a list of low cost car insurance companies in your area. Click here for list of insurance companies.
It’s up to you how you get prices quotes, just make darn sure you compare apples-to-apples coverage limits for every company. If you compare unequal deductibles or liability limits you can’t possibly determine which rate is truly the best.
Companies offer discounts so take them!
Car insurance companies do not list all available discounts in a way that’s easy to find, so we took the time to find both the well known and the harder-to-find car insurance savings. If you aren’t receiving every discount you deserve, you’re paying more than you need to.
- Save with a New Car – Buying coverage on a new vehicle can save up to 30% compared to insuring an older model.
- Early Signing – Some insurance companies reward drivers for switching policies prior to your current policy expiring. This can save 10% or more.
- Service Members Pay Less – Being on active duty in the military could mean lower rates.
- Student Driver Training – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if offered at their school.
- Organization Discounts – Participating in a professional or civic organization is a good way to get lower rates when buying car insurance for CC coverage.
- Federal Employees – Employees or retirees of the government may qualify you for a discount for CC coverage with a few car insurance companies.
- Pay Now and Pay Less – If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.
- Claim Free – Drivers who don’t have accidents pay much less compared to bad drivers.
- Discounts for Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for CC coverage than their less cautious counterparts.
- Sign Online – A handful of insurance companies may give you up to $50 simply for signing on their website.
Keep in mind that many deductions do not apply to your bottom line cost. Some only reduce specific coverage prices like physical damage coverage or medical payments. So when it seems like you can get free auto insurance, companies wouldn’t make money that way.
Do I just need basic coverages?
When it comes to choosing the right insurance coverage for your personal vehicles, there is no single plan that fits everyone. Every insured’s situation is different.
For example, these questions may help highlight whether you might need professional guidance.
- What if I don’t agree with a claim settlement offer?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- Do I really need UM/UIM coverage?
- Why does it cost so much to insure a teen driver?
- Can I afford low physical damage deductibles?
- Who is covered when they drive my Volkswagen CC?
- Is rental equipment covered for theft or damage?
- What happens if I owe more than my Volkswagen CC is worth?
- Will I be non-renewed for getting a DUI or other conviction?
- Am I covered when pulling a rental trailer?
If it’s difficult to answer those questions then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and you can get the answers you need.
Car insurance coverage basics
Understanding the coverages of car insurance can help you determine the best coverages for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement.
Insurance for medical payments
Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as dental work, ambulance fees and rehabilitation expenses. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. It covers you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay
Comprehensive coverage (or Other than Collision)
This pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive can pay for things such as damage from getting keyed, a broken windshield, hitting a deer, damage from a tornado or hurricane and theft. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Uninsured Motorist or Underinsured Motorist insurance
Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Volkswagen CC.
Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.
Liability coverages
This coverage provides protection from injuries or damage you cause to other people or property that is your fault. This insurance protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.
Liability coverage protects against claims such as legal defense fees, repair bills for other people’s vehicles and attorney fees. How much coverage you buy is up to you, but you should buy as large an amount as possible.
Collision coverage
Collision coverage will pay to fix damage to your CC resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for things like sideswiping another vehicle, hitting a parking meter and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.
Better coverage you can count on
In this article, we presented a lot of ways to save on Volkswagen CC insurance. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding lower rates. Drivers may discover the lowest premiums are with an unexpected company.
People leave their current company for any number of reasons including high prices, an unsatisfactory settlement offer, policy cancellation or even high rates after DUI convictions. No matter why you want to switch, finding a new car insurance company can be easy and end up saving you some money.
Cheaper Volkswagen CC insurance is available on the web and with local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some companies do not offer online quoting and many times these small, regional companies only sell through independent insurance agents.
