2015 Volkswagen CC Car Insurance Quotes – 7 Tips for Cheaper Rates

Finding budget car insurance on the internet can seem to be somewhat difficult for drivers new to quoting and shopping for insurance on the internet. Because there are so many companies competing online, how are drivers expected to efficiently compare each option to find the best available price?

Finding affordable coverage is not that difficult. If you currently have car insurance, you will be able to reduce your rates substantially using this strategy. Although consumers must know how the larger insurance companies determine prices.

Save a ton by getting these seven discounts

Auto insurance companies don’t always list the entire discount list in a way that’s easy to find, so the next list breaks down a few of the more well known and also the lesser-known credits available to you.

• Defensive Driver Discounts – Passing a driver safety course could cut 5% off your bill and easily recoup the cost of the course.
• Passenger Safety Discount – Vehicles equipped with air bags or motorized seat belts may earn rate discounts of up to 25% or more.
• Telematics Discount – Policyholders that allow companies to monitor when and where they use their vehicle by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction if they have good driving habits.
• Payment Method – By making one initial payment rather than paying in monthly installments you can avoid the installment charge.
• Theft Prevention Discount – Anti-theft and alarm system equipped vehicles are stolen with less frequency and will qualify for a discount on a car insurance quote.
• No Claims – Insureds with no claims or accidents can save substantially in comparison with insureds who have frequent claims or accidents.
• Senior Citizen Rates – If you qualify as a senior citizen, you could receive a slight reduction on a car insurance quote for CC coverage.

We need to note that some of the credits will not apply to all coverage premiums. Most only cut specific coverage prices like comp or med pay. Just because you may think all those discounts means the company will pay you, it’s just not the way it works.

To choose providers who offer online auto insurance quotes, click here.

Your car insurance coverage should be tailored to you

When it comes to choosing proper insurance coverage, there really is not a one size fits all plan. Every insured’s situation is different.

For instance, these questions can help discover if your insurance needs will benefit from professional help.

• What is the rate difference between pleasure use and commuting?
• Should I rate my 2015 Volkswagen CC as pleasure use or commute?
• What are the financial responsibility laws in my state?
• What if I owe more than I can insure my car for?
• Are my friends covered when driving my car?
• How high should my uninsured/underinsured coverage be in my state?
• Should I have combined single limit or split liability limits?
• What discounts do I qualify for?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Auto insurance coverages and their meanings

Having a good grasp of your policy aids in choosing the right coverages at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and reading a policy is terribly boring.

Liability coverages

Liability coverage provides protection from damage that occurs to other’s property or people. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage pays for things such as medical expenses, pain and suffering, attorney fees, legal defense fees and funeral expenses. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

Coverage for medical expenses

Med pay and PIP coverage pay for short-term medical expenses such as doctor visits, pain medications, X-ray expenses and ambulance fees. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers you and your occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive auto insurance

Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, hail damage, damage from a tornado or hurricane and hitting a deer. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage

Collision insurance pays for damage to your CC from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as crashing into a building, hitting a mailbox and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

This coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Volkswagen CC.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Be a penny pincher

Some insurance coverage companies do not offer rate quotes online and usually these smaller providers sell through independent agencies. More affordable insurance coverage can be found online in addition to many insurance agents, and you should be comparing both in order to have the best price selection to choose from.

Drivers switch companies for many reasons like unfair underwriting practices, delays in responding to claim requests, lack of trust in their agent and an unsatisfactory settlement offer. Regardless of your reason, finding the right insurance coverage provider can be easy and end up saving you some money.

When buying insurance coverage, do not skimp on coverage in order to save money. There are a lot of situations where an accident victim reduced uninsured motorist or liability limits and found out when filing a claim that the savings was not a smart move. The aim is to purchase a proper amount of coverage at the best cost, not the least amount of coverage.

More information is located below:

• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• What is Covered by GAP Insurance? (Allstate)
• Vehicle Insurance in the U.S. (Wikipedia)
• Tread Depth and Tire Safety (State Farm)