Lower Your 2015 Volkswagen CC Insurance Quotes

Shoppers have a choice when shopping for the lowest priced Volkswagen CC insurance. You can either spend your time driving around getting price quotes or use the internet to get rate quotes.

There is a right way and a wrong way to buy insurance coverage and we’ll show you the absolute fastest way to get price quotes for a Volkswagen and find the lowest possible price.

Insurance Coverage Discounts

Auto insurance companies don’t necessarily list every possible discount in an easy-to-find place, so here is a list a few of the more common and the harder-to-find credits available to you.

  • Discount for Low Mileage – Fewer annual miles on your Volkswagen could earn lower insurance coveragerates due to less chance of an accident.
  • Braking Control Discount – Cars, trucks, and SUVs with ABS and/or traction control are much safer to drive and qualify for as much as a 10% discount.
  • Military Rewards – Having an actively deployed family member could qualify you for better premium rates.
  • Claim-Free Discount – Good drivers with no accidents can save substantially when compared with bad drivers.
  • Driver Education Discount – Teen drivers should enroll in driver’s education if offered at their school.
  • Seat Belts Save – Drivers who require all vehicle occupants to use a seat belt may be able to save a few bucks on the premium charged for medical payments and/or PIP.
  • Telematics Data Discounts – Insureds that choose to allow driving data collection to spy on where and when they drive by using a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system may get a rate reduction as long as they are good drivers.
  • Theft Deterent System – Anti-theft and alarm system equipped vehicles are less likely to be stolen and will save you 10% or more.

One last thing about discounts, most credits do not apply the the whole policy. A few only apply to individual premiums such as liability, collision or medical payments. So even though it sounds like you can get free auto insurance, company stockholders wouldn’t be very happy. Any amount of discount will positively reduce your insurance coverage premiums.

Popular insurance coverage companies and some of their more popular discounts can be found below.

  • The Hartford discounts include defensive driver, bundle, good student, vehicle fuel type, and anti-theft.
  • American Family offers discounts including multi-vehicle, Steer into Savings, bundled insurance, good driver, and mySafetyValet.
  • Progressive offers discounts for online signing, good student, continuous coverage, multi-vehicle, multi-policy, homeowner, and online quote discount.
  • Travelers includes discounts for good student, hybrid/electric vehicle, multi-policy, payment discounts, and home ownership.
  • Farmers Insurance offers premium reductions for business and professional, pay in full, youthful driver, mature driver, alternative fuel, and multi-car.
  • USAA may offer discounts for military installation, multi-vehicle, vehicle storage, annual mileage, multi-policy, and new vehicle.
  • Liberty Mutual policyholders can earn discounts including new graduate, new vehicle discount, multi-car, teen driver discount, and newly retired.

Before you buy a policy, ask each company or agent to give you their best rates. Savings may not apply to policyholders everywhere. To see a list of insurers that provide some of the discounts listed above, click here to view.

Smart buyers know how to find insurance coverage for less

Lots of factors are used in the calculation when you get your auto insurance bill. Some factors are common sense like your driving record, but some are not as apparent like where you live or how safe your car is.It’s important that you understand the rating factors that help calculate the level of your policy premiums. When consumers understand what determines premiums, this enables you to make decisions that will entitle you to better insurance coverage rates.

  • Urban areas may pay more – Residing in less populated areas of the country has it’s advantages when insuring your vehicles. Urban drivers regularly have much more traffic and longer commute times. Fewer people means less chance of accidents as well as less vandalism and auto theft.
  • Save money with alarms and GPS tracking – Buying a car with a theft deterrent system can earn a premium discount. Systems that thwart theives like OnStar, LoJack tracking, and tamper alarms can help prevent vehicle theft.
  • Low comp and collision deductibles mean high prices – Physical damage insurance, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your Volkswagen. Some examples of claims that would be covered are a windshield shattered by a rock, damage caused by hail, and windstorm damage. The deductibles you choose state the amount of money you are willing to pay if a covered claim is submitted. The more money you pay before a claim is paid (deductible), the less money you will pay for insurance coverage for CC coverage.
  • Gaps in coverage mean higher insurance coverage rates – Having a gap between insurance policy dates is a quick way to bump up your insurance coverage costs. Not only will you pay higher rates, the inability to provide proof of insurance could result in a fine, jail time, or a revoked license. You could then be forced to prove you have insurance by filing a SR-22 with your state motor vehicle department.
  • Discounts for married drivers – Getting married may cut your premiums compared to being single. Having a significant other is viewed as being more stable financially and statistics prove drivers who are married file infrequent claims.
  • Liability insurance limits should be high – The liability section of your policy kicks in when a jury decides you are liable for causing damage or personal injury in an accident. This coverage provides for a legal defense to attempt to prove you were not liable. Liability insurance is quite affordable as compared to coverage for physical damage, so drivers should carry high limits.
  • Buy a safe car and pay less – Cars with five star safety ratings tend to have lower insurance rates. Safer cars reduce injuries and better occupant protection translates directly to fewer claims which can result in lower premiums. If your Volkswagen scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Does car insurance cost more for men? – The statistics show women tend to be less risk to insure than men. However, don’t assume that females are better drivers. Both sexes are in accidents at a similar rate, but men have costlier accidents. Men also tend to get higher numbers of serious violations such as reckless driving. Young men ages 16 to 20 tend to get in the most accidents and therefore have the most expensive insurance coverage rates.

Tailor your insurance coverage to you

When choosing the best insurance coverage, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For instance, these questions may help highlight whether you would benefit from an agent’s advice.

  • When should my teen driver be added to my policy?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is other people’s property covered if stolen from my vehicle?
  • Is a new car covered when I drive it off the dealer lot?
  • How much can I save by bundling my policies?
  • Do I really need UM/UIM coverage?
  • Do I need to file an SR-22 for a DUI in my state?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Are all vehicle passengers covered by medical payments coverage?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form. It’s fast, free and you can get the answers you need.

Insurance coverages explained

Knowing the specifics of your policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Liability insurance

Liability coverage provides protection from damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

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 policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like repair bills for other people’s vehicles, funeral expenses, structural damage, pain and suffering and legal defense fees. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Collision protection

This will pay to fix damage to your CC from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as crashing into a building, hitting a mailbox, sustaining damage from a pot hole, scraping a guard rail and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Volkswagen CC.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive (Other than Collision)

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 the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from getting keyed, a broken windshield and hitting a deer. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical expense insurance

Med pay and PIP coverage kick in for expenses such as dental work, rehabilitation expenses, ambulance fees and pain medications. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

Take this to the bank

Some insurance providers do not provide internet price quotes and many times these small insurance companies prefer to sell through local independent agencies. Budget-friendly insurance coverage is available from both online companies and from local agencies, so you should be comparing quotes from both to have the best rate selection.

When buying insurance coverage, don’t be tempted to reduce needed coverages to save money. There are too many instances where consumers will sacrifice physical damage coverage only to regret at claim time that the savings was not a smart move. Your goal is to purchase a proper amount of coverage at a price you can afford, but do not sacrifice coverage to save money.

We just showed you a lot of information how to compare 2015 Volkswagen CC insurance rates online. The key concept to understand is the more quotes you get, the higher the chance of saving money. You may even discover the lowest priced insurance coverage comes from the least-expected company.

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