2012 Volkswagen CC Car Insurance Rates – 10 Tips to Save

Buying the lowest cost auto insurance can appear to be difficult for drivers who are new to online price comparisons. With such a big selection of agents and insurers available, how are drivers expected to be able to compare every possible option in order to find the best price?

You should take the time to compare prices before your next renewal since insurance prices are variable and change quite frequently. Even if you got the lowest rates on CC coverage last year a different company probably has better rate quotes today. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to one of the quickest ways to find great coverage at a great price.

If you have car insurance now, you will be able to lower your premiums substantially using these tips. This information will let you in on the most effective way to quote insurance. But car owners should learn the way insurance companies market insurance on the web and use this information to your advantage.

Ten discounts for cheap insurance coverage rates

Companies do not advertise every discount in a way that’s easy to find, so here is a list both well-publicized as well as some of the hidden credits available to bring down your rates.

  • College Student – Children who live away from home to go to college and won’t have access to an insured vehicle could get you a discount.
  • Seat Belt Discounts – Requiring all passengers to use a seat belt could cut 10% or more off the personal injury premium cost.
  • Save with a New Car – Insuring a new car can save up to 30% because newer models are generally safer.
  • Bundled Policy Discount – When you have multiple policies with the same insurance company you may earn over 10 percent off each policy depending on the company.
  • Safety Course Discount – Completing a course in driver safety could possibly earn you a 5% discount and make you a better driver.
  • Theft Prevention System – Cars and trucks optioned with advanced anti-theft systems can help prevent theft and will qualify for a discount on a auto insurance quote.
  • Anti-lock Brake Discount – Cars, trucks, and SUVs that have anti-lock braking systems can stop better under adverse conditions so you can save 10 percent or more.
  • Paperless Signup – A few larger companies give back up to $50 for buying your policy online.
  • Drive Safe and Save – Drivers without accidents can pay as much as 50% less on CC coverage than drivers with accident claims.
  • Telematics Discount – Drivers who agree to allow their company to look at driving manner by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system might get better premium rates if they exhibit good driving behavior.

Discounts lower rates, but most discount credits are not given to the overall cost of the policy. Some only reduce individual premiums such as medical payments or collision. So despite the fact that it appears you can get free auto insurance, it doesn’t quite work that way.

Some of the larger companies that may offer quotes with many of the previously listed discounts include:

Before purchasing a policy, check with all companies you are considering which discounts you qualify for. All car insurance discounts may not apply in your state. To see a list of insurance coverage companies who offer insurance coverage discounts, click here to view.

Tailor your insurance coverage coverage to you

When choosing proper insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s needs are different.

Here are some questions about coverages that can aid in determining whether your personal situation might need professional guidance.

  • Does liability extend to a camper or trailer?
  • Is a blown tire covered by insurance?
  • Should I have combined single limit or split liability limits?
  • Am I covered when delivering products for my home-based business?
  • When would I need rental car insurance?
  • Does my insurance cover my expensive audio equipment?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Auto insurance coverage information

Understanding the coverages of a auto insurance policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Liability

This coverage protects you from injuries or damage you cause to other people or property. It protects you from claims by other people. It does not cover 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. You commonly see liability limits 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. Occasionally you may see a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as pain and suffering, medical services and attorney fees. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

Coverage for collisions

Collision coverage will pay to fix damage to your CC from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like crashing into a ditch, scraping a guard rail, sustaining damage from a pot hole, hitting a parking meter and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for immediate expenses for hospital visits, dental work, chiropractic care, prosthetic devices and surgery. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as damage to your Volkswagen CC.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Usually these coverages do not exceed the liability coverage limits.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, hitting a deer, damage from getting keyed, falling objects and theft. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

More effort can pay off

As you quote auto insurance, make sure you don’t sacrifice coverage to reduce premiums. There are too many instances where an insured cut full coverage and discovered at claim time that the few dollars in savings costed them thousands. The goal is to buy the best coverage you can find at the best possible price, not the least amount of coverage.

Insureds who switch companies do it for a number of reasons such as lack of trust in their agent, policy non-renewal, high rates after DUI convictions or denial of a claim. Whatever your reason, switching companies is not as difficult as it may seem.

There are still a few companies who may not offer rate quotes online and most of the time these small, regional companies sell through independent insurance agencies. Low-cost 2012 Volkswagen CC insurance can be found on the web as well as from independent agents, so you need to compare both in order to have the best chance of saving money.

Additional auto insurance information can be read at the links below