2016 Volkswagen CC Insurance Quotes
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Benji Carr
Former Licensed Life Insurance Agent
Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.
Former Licensed Life Insurance Agent
UPDATED: Sep 6, 2018
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 6, 2018
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Looking for the cheapest auto insurance rates for your Volkswagen CC? Are you tired of paying out the nose to keep your car insured? You’re in the same situation as most other consumers.
You have multiple insurance companies to purchase coverage from, and though it is a good thing to have multiple companies, lots of choices makes it harder to find the lowest rates.
Finding affordable coverage is not that difficult. In a nutshell, every vehicle owner who shops for insurance coverage will more than likely be able to reduce their rates. But drivers can benefit from knowing the methods companies use to price online insurance because it can help you find the best coverage.
Car insurance discounts help reduce rates
Car insurance is not cheap nor is it fun to buy but you might be missing out on some discounts that you may not even know about. Many discounts should be triggered at the time of quoting, but a few must be asked for before being credited.
- Bundle and Save – If you have multiple policies and insure them both with the same insurance company you could earn a discount of up to 20% off your total premium.
- One Accident Forgiven – This one is not really a discount per se, but certain companies allow you one accident before your rates go up if your claims history is clear for a specific time period.
- Organization Discounts – Affiliation with qualifying employment or professional organizations could qualify you for a break on your bill.
- Anti-lock Brake Discount – Cars and trucks that have anti-lock braking systems are much safer to drive so companies give up to a 10% discount.
- Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to fasten their seat belts may be able to save a few bucks off the PIP or medical payment premium.
- Payment Discounts – If paying your policy premium upfront rather than paying in monthly installments you can actually save on your bill.
- Discounts for Good Drivers – Insureds who avoid accidents could pay up to 40% less on CC insurance compared to accident prone drivers.
- Good Students Pay Less – Performing well in school can save 20 to 25%. You can use this discount normally up until you turn 25.
- E-sign – A few larger online companies provide a small discount just for signing your application on their website.
Discounts save money, but please remember that some credits don’t apply to the entire cost. Most only apply to the price of certain insurance coverages like medical payments or collision. So even though they make it sound like adding up those discounts means a free policy, that’s just not realistic.
Some of the larger companies that may have some of the discounts shown above possibly include:
Before you buy a policy, ask all companies you are considering which discounts you qualify for. Savings might not be available to policyholders in your area. To locate insurers that offer discounts, click this link.
Enter your zip code below to view companies that have cheap auto insurance rates.
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Which is the best car insurance?
When choosing the right insurance coverage for your vehicles, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions could help you determine whether you will benefit from professional help.
- Does my personal policy cover me when driving out-of-state?
- What is no-fault insurance?
- Is my Volkswagen CC covered if I use it for business?
- Exactly who is provided coverage by my policy?
- Why does it cost so much to insure a teen driver?
- Does my medical payments coverage pay my health insurance deductible?
- Where can I find DUI or SR-22 insurance?
- If my pet gets injured in an accident are they covered?
If you’re not sure about those questions then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of car insurance companies in your area.
Car insurance advertising gotchas
State Farm, Allstate and Geico endlessly run television, radio, and online ads. All the ads make the same claim about savings after switching your policy. But how can every company charge you less for auto insurance? This is how they do it.
Insurance companies give the cheapest rates for the type of insured that earns them the highest profit. A good example of a profitable risk profile may need to be over the age of 40, has no tickets, and drives less than 7,500 miles a year. Any new insured that matches those criteria will get a cheap rate quote and is almost guaranteed to save if they switch.
Insureds who don’t measure up to these criteria will see more expensive rates and this can result in the customer not purchasing. The trick is to say “drivers that switch” but not “everyone who gets a quote” can save as much as they claim. That’s the way companies can truthfully make it sound like they have such great auto insurance rates. Each company has different criteria, so drivers should do a price quote comparison at every renewal. It’s not possible to predict the company that will have the best rates.
Coverages available on your policy
Knowing the specifics of your policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverages found on the average car insurance policy.
Medical expense insurance
Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like chiropractic care, hospital visits, pain medications, nursing services and EMT expenses. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay
Protection from uninsured/underinsured drivers
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Comprehensive (Other than Collision)
Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims such as vandalism, theft and hitting a bird. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Collision coverage
Collision insurance will pay to fix damage to your CC resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.
Collision can pay for things like sideswiping another vehicle, crashing into a ditch, driving through your garage door, scraping a guard rail and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.
Liability auto insurance
Liability coverage can cover damage or injury you incur to people or other property in an accident. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.
Liability coverage protects against claims like structural damage, attorney fees, court costs, emergency aid and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.
Enter your zip code below to view companies that have cheap auto insurance rates.
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And the best car insurance company is…
More affordable insurance coverage can be sourced on the web in addition to many insurance agents, so you need to shop insurance coverage with both to get a complete price analysis. There are still a few companies who do not offer rates over the internet and most of the time these regional carriers prefer to sell through independent insurance agents.
You just learned quite a bit of information on how to get a better price on 2016 Volkswagen CC insurance. The key thing to remember is the more you quote insurance coverage, the better likelihood of getting low cost insurance coverage. Consumers may even find the lowest prices are with an unexpected company. Smaller companies may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate and Progressive.
To read more, take a look at the following helpful articles:
- Smart Auto Insurance Tips (Insurance Information Insitute)
- Older Drivers FAQ (iihs.org)
- How to Avoid Common Accidents (State Farm)
- Uninsured Motorist Statistics (Insurance Information Insitute)
Enter your zip code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Benji Carr
Former Licensed Life Insurance Agent
Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.
Former Licensed Life Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.