Compare 2014 Volkswagen CC Car Insurance Quotes

Shopping for the cheapest car insurance can be difficult for vehicle owners that are not comfortable with quoting and buying insurance over the internet. Since there are so many insurers to choose from, how are vehicle owners expected to effectively compare every possible option in order to find the best available rates?

Buying car insurance is not rocket science. If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using this strategy. But consumers should learn how insurance companies determine prices and use this information to your advantage.

Don’t overlook these auto insurance discounts

Companies that sell car insurance do not list every available discount in a way that’s easy to find, so the below list has some of the best known in addition to some of the lesser obvious credits that you can use to lower your rates.

• Cautious Drivers – Insureds without accidents may save up to 50% more on CC insurance than less cautious drivers.
• No Claims – Drivers with accident-free driving histories pay much less as opposed to bad drivers.
• Early Renewal Discounts – A few larger companies give discounts for switching companies prior to the expiration date on your current policy. Ten percent is about the average savings.
• Theft Deterent – Cars, trucks, and SUVs with anti-theft systems are stolen less frequently and that can save you a little bit as well.
• Federal Government Employee – Active or former government employment can save as much as 8% on CC insurance with certain companies.
• ABS Braking Discount – Vehicles with ABS braking systems or traction control are much safer to drive and will save you 10% or more.
• Telematics Data – Drivers who agree to allow their insurance company to spy on their driving habits by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system might get better premium rates if they are good drivers.
• Sign Online – Some auto insurance companies will give you a small discount simply for signing on your computer.
• Air Bag Discount – Options like air bags or automatic seat belts may earn rate discounts of 20% or more.

Keep in mind that most discount credits are not given to the entire cost. Most only reduce individual premiums such as liability and collision coverage. Despite the fact that it seems like you can get free auto insurance, auto insurance companies aren’t that generous. But all discounts will lower your auto insurance premiums.

If you would like to choose from a list of providers with significant discounts, follow this link.

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How to get free auto insurance quotes online

There are several ways to compare auto insurance quotes, but there is one way that is less time-consuming than others. You could spend the better part of a day talking to insurance agencies in your area, or you can utilize online quotes to get rate comparisons in just a few minutes.

Most of the best insurance companies participate in an industry program where insurance shoppers submit one quote, and at least one company provides a quote determined by their information. This saves time by eliminating form submissions for each company.

To use this form to compare rates click here to start a free quote.

The single downside to comparing rates this way is that you can’t choose which insurance companies to get pricing from. So if you want to choose specific insurance companies to request quotes from, we have a page of low cost auto insurance companies in your area. Click here for list of insurance companies.

How you compare quotes is your choice, just try to keep the same deductibles and coverage limits on every price quote you get. If you are comparing different liability limits it will be nearly impossible to determine the best price for your Volkswagen CC. Even a minor difference in coverage limits could skew the results. And when comparing auto insurance rates, know that quoting more increases your odds of finding more affordable insurance. Some companies don’t provide online price quotes, so it’s important to also get rates from them as well.

Insurance rates are influenced by these factors

An important part of buying insurance is that you know some of the factors that go into determining your premiums. When consumers understand what controls the rates you pay, this empowers consumers to make smart changes that will entitle you to lower car insurance prices. Multiple criteria are part of the equation when premium rates are determined. Some of the criteria are obvious like your driving record, but some are more obscure like your vehicle usage or how financially stable you are.

• Are men or women drivers cheaper? – Over time, data shows that females take fewer risks when driving. However, don’t assume that females are better drivers. Females and males tend to get into fender benders at a similar rate, but the men tend to have more serious accidents. Men also statistically get more serious tickets like reckless driving and DUI.
• Too many insurance claims and you’ll pay more – If you tend to file frequent claims, you can look forward to either higher rates or even cancellation. Insurance companies give cheaper rates to drivers who do not rely on their insurance for small claims. Your insurance policy is designed for claims that pose a financial burden.
• Amount of liability protection – Liability insurance is the coverage that protects you if ever you are ruled to be at fault for personal injury or accident damage. Your policy’s liability insurance provides legal defense to attempt to prove you were not liable. Liability insurance is quite affordable compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
• Prevent your car from being stolen – Selecting a car model with a theft deterrent system can help lower your rates. Systems that thwart theives such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.
• Extra policy coverages that may not be needed – There are a lot of add-on coverages that can waste your money on your car insurance policy. Things like roadside assistance, towing, and extra life insurance coverage may be costing you every month. These may sound like a good investment initially, but if you’ve never needed them in the past consider taking them off your policy.
• Low mileage costs less – The higher the miles on your Volkswagen each year the higher your rates will be. Most insurance companies apply a rate determined by how the vehicle is used. Cars and trucks not used for work or commuting can be on a lower rate level than cars that get driven a lot. Ask your agent if your car insurance policy properly reflects the correct usage for each vehicle, because it can save money. An improperly rated CC may be costing you.
• Occupation impacts prices – Did you know that where you work can have an impact on rates? Careers such as judges, architects and financial analysts tend to pay higher rates than average in part from stressful work requirements and extremely grueling work hours. Conversely, jobs such as farmers, athletes and retirees generally pay rates lower than average on CC insurance.
• Credit history impact car insurance costs – Having a good credit score can be a huge factor in determining what you pay. People with high credit scores tend to be more responsible and file fewer claims as compared to drivers with bad credit. Therefore, if your credit score could use some work, you could pay less to insure your 2014 Volkswagen CC by taking the time to improve your credit score.

When to get professional advice

When it comes to buying proper insurance coverage, there really is no “perfect” insurance plan. Every situation is different.

Here are some questions about coverages that might point out whether or not you might need an agent’s assistance.

• Do I need higher collision deductibles?
• Should I have combined single limit or split liability limits?
• Am I covered when driving in Canada or Mexico?
• Am I covered if I crash into my own garage door?
• Am I covered by my spouse’s policy after a separation?
• Does car insurance cover theft of personal property?
• Is my 2014 Volkswagen CC covered for flood damage?
• Can my babysitter drive my car?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form.

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Brand name doesn’t guarantee savings

Companies like 21st Century, Allstate and State Farm endlessly run ads on television and other media. They all convey the message about how much you will save if you change to their company. How does every insurance coverage company say the same thing? Just pay attention to how they say it.

Insurance companies quote their cheapest rates for a prospective insured that will generate a profit. For example, a preferred risk may be a mature driver, carries high limits, and has a high credit rating. A driver that matches those criteria gets the lowest rates and will also save a lot of money.

Insureds who fall short of those criteria may be required to pay higher premiums with the end result being the customer buying from someone else. If you listen to the ad wording, they say “customers that switch” but not “all drivers who get quotes” save the amount stated. This is how companies can truthfully make claims that they all have the best premium rates. This really drives home the point why it’s extremely important to get price quotes at each policy renewal. It’s just too difficult to predict the company that will have the best car insurance rates.

Insurance coverage basics

Learning about specific coverages of insurance aids in choosing which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for expenses such as EMT expenses, pain medications and funeral costs. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

Auto collision coverage

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like hitting a parking meter, scraping a guard rail, crashing into a ditch, hitting a mailbox and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Liability coverage

Liability insurance protects you from damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims such as attorney fees, funeral expenses, legal defense fees and repair costs for stationary objects. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your Volkswagen CC.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hitting a bird, theft and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Affordable insurance is out there

Cost effective 2014 Volkswagen CC insurance can be purchased online and from local insurance agents, so you should be comparing quotes from both to have the best selection. Some auto insurance companies may not offer price quotes online and usually these small insurance companies work with local independent agents.

People change insurance companies for a variety of reasons including policy cancellation, delays in paying claims, delays in responding to claim requests and even high prices. Regardless of your reason, finding a new auto insurance company is not as difficult as it may seem.

When buying insurance coverage, you should never skimp on coverage in order to save money. There are too many instances where an insured dropped collision coverage and discovered at claim time that the few dollars in savings costed them thousands. Your aim should be to find the BEST coverage at the lowest possible cost and still be able to protect your assets.

For more information, feel free to visit these articles:

• Auto Crash Statistics (Insurance Information Insitute)
• Understanding Car Crashes Video (iihs.org)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Teen Driving and Texting (State Farm)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Think You’re a Safe Driver? (State Farm)

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