Cheap 2013 Volkswagen CC Insurance Quotes

Looking for cheaper auto insurance rates for your Volkswagen CC? I can’t think of anyone who cherishes buying auto insurance, especially knowing the price is too high.

Consumers have many car insurance companies to insure vehicles with, and although it’s nice to have multiple companies, it can be more difficult to find the lowest cost provider.

It’s a good idea to get comparison quotes once or twice a year because insurance rates are rarely the same from one policy term to another. If you had the lowest price on CC coverage a couple years back the chances are good that you can find a lower rate today. Don’t believe everything you read about auto insurance online, so we’re going to give you a bunch of ideas how to stop overpaying for insurance.

Finding the best rates is not rocket science. In a nutshell, every vehicle owner who is shopping for car insurance will more than likely be able to find lower rates. But car owners should learn the methods companies use to price insurance differently and use this information to your advantage.

What determines your Volkswagen CC insurance premium

Smart consumers have a good feel for some of the elements that play a part in calculating the price you pay for car insurance. When you know what positively or negatively influences your rates empowers consumers to make smart changes that may reward you with better car insurance rates.

  • Bad driving skills means higher rates – Careful drivers tend to pay less for car insurance than bad drivers. Just one speeding ticket can boost insurance rates twenty percent or more. Drivers with serious tickets like reckless driving, hit and run or driving under the influence are required to file a SR-22 with their state motor vehicle department in order to continue driving.
  • Pay less after the wedding – Getting married helps lower the price when buying car insurance. Having a significant other translates into being more mature than a single person and it’s proven that being married results in fewer claims.
  • Policy add-ons can waste money – There are many extra bells and whistles that can waste your money when buying car insurance. Things like vanishing deductibles, accident forgiveness and membership fees are some examples. They may seem good when talking to your agent, but your needs may have changed so remove them from your policy.
  • Men fork out a little more – Statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are WORSE drivers than women. They both have accidents in similar percentages, but the males cause more damage. They also have more aggressive citations such as reckless driving. Youthful male drivers are the most expensive to insure and thus pay the highest rates.
  • Your car’s features help determine rates – Driving a car that has an advanced theft prevention system can help lower your rates. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your car from being stolen.

How to Compare Auto Insurance Costs

Most companies quote coverage price quotes online. This process doesn’t take much effort as you simply enter the coverage amounts you desire as requested by the quote form. After the form is submitted, their rating system collects your credit score and driving record and quotes a price based on these and other factors. Quoting online helps simplify price comparisons, but the process of having to visit a lot of sites and fill out multiple forms can get tiresome after awhile. Unfortunately, it is important to get many rate quotes in order to find the lowest price.

Isn’t there an easier way to compare rates?

A quicker way to lower your rates is to use a quote form that analyzes rates from multiple companies. The form is fast, requires much less work on your part, and makes price shopping online much more enjoyable and efficient. After sending your information, it is rated and you can choose any or none of the quote results. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the new coverage. It only takes a few minutes and you will find out if you’re overpaying now.

To save time and compare rates using this form now, simply click here to open in new window and submit the form. If you currently have coverage, we recommend you input deductibles and limits identical to your current policy. Using the same limits helps guarantee you’re receiving rate comparison quotes based on identical coverages.

Save $467 a year? Really?

Companies like State Farm, Geico and Progressive continually stream ads on TV and radio. All the ads make an identical promise that you’ll save big after switching to their company. How does each company say the same thing?

All the different companies have a preferred profile for the driver that is profitable for them. An example of a desirable insured could possibly be a mature driver, owns a home, and has a short commute. A customer getting a price quote that hits that “sweet spot” receives the best rates and as a result will probably save a lot of money.

Potential customers who don’t meet this ideal profile will have to pay higher premiums which usually ends up with the driver buying from a lower-cost company. The ads state “customers who switch” not “people who quote” save that much money. This is how insurance companies can claim big savings. Because of the profiling, you should quote coverage with many companies. Because you never know which auto insurance company will have the lowest Volkswagen CC insurance rates.

Verify you’re getting all your discounts

Companies do not list every available discount very clearly, so we break down some of the more common as well as the least known discounts you could be receiving.

  • Safety Course Discount – Completing a course in driver safety could cut 5% off your bill and easily recoup the cost of the course.
  • Clubs and Organizations – Affiliation with a qualifying organization is a good way to get lower rates on your policy on CC coverage.
  • Multi-car Discount – Having more than one vehicle on one policy could earn a price break for each car.
  • Life Insurance Discount – Some companies give better rates if you take out auto and life insurance together.
  • Fewer Miles Equal More Savings – Driving fewer miles could be rewarded with lower rates on the low mileage vehicles.
  • Military Discounts – Being deployed with a military unit could be rewarded with lower premiums.
  • New Vehicle Savings – Adding a new car to your policy is cheaper compared to insuring an older model.
  • Air Bag Discount – Factory air bags and/or automatic seat belt systems can receive discounts of 20% or more.
  • Homeowners Pay Less – Owning a home may earn you a small savings because maintaining a house requires personal responsibility.

As a disclaimer on discounts, most discount credits are not given to the overall cost of the policy. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like adding up those discounts means a free policy, companies don’t profit that way.

Car insurance companies that possibly offer these money-saving discounts are:

It’s a good idea to ask all companies you are considering which discounts they offer. Discounts might not apply everywhere.

When should I talk to an agent?

When it comes to choosing coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions could help you determine whether your personal situation would benefit from professional advice.

  • Do I need to file an SR-22 for a DUI in my state?
  • Who is covered when they drive my 2013 Volkswagen CC?
  • What are the financial responsibility laws in my state?
  • Are my friends covered when driving my car?
  • Where can I find DUI or SR-22 insurance?
  • At what point should I drop full coverage?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Car insurance policy specifics

Having a good grasp of your car insurance policy helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. These are typical coverage types offered by car insurance companies.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your 2013 Volkswagen CC.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability auto insurance – This coverage will cover damage or injury you incur to other people or property. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers claims like repair bills for other people’s vehicles, bail bonds, court costs and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive car insurance – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from a tornado or hurricane, hitting a bird, falling objects and damage from getting keyed. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage – This will pay to fix damage to your CC resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as hitting a mailbox, rolling your car, colliding with a tree, colliding with another moving vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Coverage for medical expenses – Med pay and PIP coverage pay for expenses such as dental work, pain medications and rehabilitation expenses. They are used in conjunction with a health insurance policy or if you do not have health coverage. It covers all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Don’t be a big spender

When you buy insurance online, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are many occasions where someone dropped liability coverage limits to discover at claim time they didn’t have enough coverage. Your aim should be to buy enough coverage at a price you can afford.

Low-cost 2013 Volkswagen CC insurance is possible online and with local insurance agents, so you should compare both to get a complete price analysis. Some insurance providers do not offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

Much more information about insurance can be read at the links below