Cheaper 2014 Volkswagen CC Insurance Quotes

Buyers have a choice when searching for the best price on Volkswagen CC insurance. You can either waste hours contacting agents getting price quotes or use the internet to find the lowest rates. There are more efficient ways to buy insurance so we’re going to tell you the quickest way to price shop coverage for your Volkswagen and find the cheapest rates from both online companies and local agents.

You should make it a habit to take a look at other company’s rates quite often because prices are variable and change quite frequently. If you had the lowest rates on CC insurance a few years ago there may be better deals available now. Forget all the misinformation about insurance because we’re going to demonstrate how to quote online to reduce your cost while improving coverage.

Choosing the best insurance company for you is easy if you know what you’re doing. If you are paying for car insurance now, you should be able to reduce your rates substantially using this information. Drivers just need to understand the best way to find the lowest price online.

Factors that might impact rates for a Volkswagen CC

Consumers need to have an understanding of the factors that go into determining the price you pay for auto insurance. Knowing what influences your rates helps enable you to make changes that can help you get lower auto insurance prices.

Listed below are some of the items that factor into your rates.

  • Do you need the policy add-ons? – There are a ton of additional coverages you can purchase on your CC policy. Things like roadside assistance, better glass coverage and membership fees are some examples. They may seem like a good idea initially, but your needs may have changed so remove them from your policy.
  • Traffic violations increase rates – Whether or not you get tickets has a big impact on rates. Careful drivers get better rates than their less careful counterparts. Even one speeding ticket can boost insurance rates forty percent or more. Drivers with dangerous tickets like reckless driving, hit and run or driving under the influence are required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to prevent a license revocation.
  • Increase deductibles and save – Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your Volkswagen. Some examples of claims that would be covered would be a windshield shattered by a rock, vandalism, and rolling your vehicle. Physical damage deductibles are how much you are required to spend in the event of a claim. The more the insured has to pay upfront, the lower your rates will be on CC insurance.
  • Optional equipment can affect rates – Choosing a vehicle with an alarm system can help bring down rates. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your car from being stolen.
  • Safer occupants lowers premiums – Vehicles with good safety scores tend to have better insurance rates. The safest vehicles result in less severe injuries and any reduction in injury severity means lower claim amounts and lower rates for you. If your Volkswagen CC scored better than four stars on it is probably cheaper to insure.
  • How your age affects price – Young drivers are statistically proven to be careless and easily distracted behind the wheel so auto insurance rates are higher. Having to add a young driver to your policy can really hurt. Older drivers are more cautious drivers, tend to cause fewer accidents and receive fewer citations.

Discounts mean cheaper 2014 Volkswagen CC insurance rates

Car insurance companies don’t always advertise all available discounts very well, so here is a list both the well known and the more hidden auto insurance savings. If you don’t get every credit possible, you’re paying more than you need to.

  • Low Mileage Discounts – Keeping the miles down on your Volkswagen can qualify you for better rates on cars that stay parked.
  • Braking Control Discount – Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
  • Driver Safety – Successfully completing a course in driver safety could cut 5% off your bill if you qualify.
  • Paperless Signup – Some insurance companies give back up to $50 simply for signing over the internet.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use their safety belts could save 15% off your medical payments premium.
  • Senior Discount – Older drivers may be able to get reduced rates on CC insurance.
  • Good Students Pay Less – This discount can save 20 to 25%. Earning this discount can benefit you up to age 25.

Consumers should know that most discount credits are not given the the whole policy. The majority will only reduce individual premiums such as comprehensive or collision. So when the math indicates it’s possible to get free car insurance, companies don’t profit that way.

For a list of insurance companies who offer auto insurance discounts, click here.

Switch companies and save? Really?

Consumers get pounded daily by advertisements for cheaper car insurance by Progressive, GEICO, Allstate and State Farm. All the companies have a common claim of big savings after switching to their company.

But how can every company make almost identical claims?

All the different companies have a certain “appetite” for the right customer that earns them a profit. For instance, a profitable customer might be over the age of 40, has no tickets, and has a high credit rating. A driver who fits that profile is entitled to the best price and as a result will probably cut their rates substantially.

Drivers who are not a match for these standards will be charged more money and this can result in the driver buying from a lower-cost company. The ads say “customers who switch” not “everyone that quotes” save that kind of money. That’s the way insurance companies can advertise the savings. That is why drivers must get as many comparisons as possible. Because you never know the company that will have the lowest Volkswagen CC insurance rates.

Tailor your coverage to you

When it comes to buying proper insurance coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s situation is unique.

These are some specific questions might point out if your situation would benefit from an agent’s advice.

  • Do I need motorclub coverage?
  • Am I covered if I drive in a foreign country?
  • How do I file an SR-22 for a DUI in my state?
  • Does liability extend to a camper or trailer?
  • Am I missing any policy discounts?
  • Is my cargo covered for damage or theft?
  • When should my teen driver be added to my policy?
  • Do I need higher collision deductibles?
  • How high should my uninsured/underinsured coverage be in my state?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and can help protect your family.

Insurance coverage specifics

Understanding the coverages of your insurance policy can help you determine the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Comprehensive auto coverage

This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things like vandalism, hitting a bird, damage from flooding, fire damage and falling objects. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Volkswagen CC.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision coverage protection

This coverage covers damage to your CC caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as colliding with a tree, colliding with another moving vehicle, backing into a parked car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for expenses for EMT expenses, dental work and nursing services. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Liability auto insurance

This will cover damages or injuries you inflict on other people or property in an accident. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things such as repair costs for stationary objects, legal defense fees, medical services and loss of income. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

A little work can save a LOT of money

We just presented some good ideas how to get a better price on 2014 Volkswagen CC insurance. It’s most important to understand that the more you quote, the more likely it is that you will get a better rate. Consumers may even find the lowest rates come from a small local company.

When buying insurance coverage, it’s a bad idea to sacrifice coverage to reduce premiums. In too many instances, someone sacrificed uninsured motorist or liability limits and found out when filing a claim that it was a big error on their part. Your strategy should be to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

Cheaper insurance is available from both online companies and also from your neighborhood agents, and you need to price shop both to get a complete price analysis. Some auto insurance companies may not provide the ability to get a quote online and these small, regional companies work with independent agents.

Even more information is available at these sites: