How Much Does 2017 Volkswagen CrossBlue Insurance Cost?

Finding low-cost insurance for a Volkswagen CrossBlue could be an all-consuming task, but you can learn our auto insurance buying tips to save time. There are both good and bad ways to compare auto insurance rates and we’ll show you the quickest way to compare rates for your Volkswagen and get the best price possible either online or from local insurance agents.

Consumers should take time to check auto insurance prices at least once a year due to the fact that insurance rates are adjusted regularly by insurance companies. Just because you had the lowest rates for CrossBlue insurance a few years ago a different company probably has better rates today. Don’t believe everything you read about auto insurance online but with this article, you’re going to get a bunch of ideas how to put money back in your pocket.

Finding the best rates is not rocket science. If you have a current insurance policy or are looking for a new policy, you can use these tips to find better prices and possibly find even better coverage. Consumers just need to know the tricks to get comparison rates online.

Volkswagen CrossBlue rate determination is complex

Smart consumers have a good feel for some of the elements that come into play when calculating insurance rates. Understanding what influences your rates helps enable you to make changes that can help you get lower insurance prices.

  • Lower rates with optional equipment – Purchasing a vehicle with a theft deterrent system can save you a little every year. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping auto theft.
  • Traffic citations inflate rates – Your driving record has a big impact on rates. Even a single ticket can bump up the cost twenty percent or more. Drivers who don’t get tickets tend to pay less for car insurance than their less careful counterparts. Drivers who get dangerous violations such as DUI or reckless driving may be required to submit a SR-22 or proof of financial responsibility with their state DMV in order to prevent a license revocation.
  • Safe vehicles cost less to insure – Vehicles with good safety scores are cheaper to insure. Safe vehicles protect occupants better and fewer injuries translates into savings for insurance companies and lower rates for you. If your Volkswagen CrossBlue has ratings of a minimum four stars on Safercar.gov you may qualify for a discount.
  • Never allow your policy to lapse – Driving your car without having proper coverage is illegal and as a result your rates will increase for letting your coverage have a gap. And not only will insurance be more expensive, getting caught without coverage can result in a steep fine or even jail time.
  • Women pay lower rates – Statistics have proven that women are safer drivers than men. However, this does not mean men are worse drivers. Women and men cause accidents at a similar rate, but the males have costlier accidents. They also receive more costly citations such as DWI and reckless driving. Teenage male drivers are most likely to cause an accident and are penalized with high insurance rates.
  • Do you have a high stress job? – Did you know your occupation can influence how much you pay for insurance? Careers like lawyers, social workers and accountants are shown to have higher rates than average in part from job stress and long work hours. On the flip side, occupations such as farmers, athletes and performers pay the least for CrossBlue insurance.
  • Where you live – Being located in a rural area can save you money when talking about insurance. Fewer drivers means reduced accidents and also fewer theft and vandalism claims. Drivers who live in large cities have traffic congestion and a longer drive to work. More time commuting translates into higher accident risk.

Cut your auto insurance rates with discounts

Companies offering auto insurance don’t necessarily list every discount in an easy-to-find place, so here is a list some of the more common and the more hidden discounts you could be receiving. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Braking Control Discount – Cars that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.
  • Lower Rates for Military – Being deployed with a military unit may qualify for rate reductions.
  • Bundle and Save – If you insure your home and vehicles with one company you may earn approximately 10% to 15%.
  • No Charge for an Accident – A few companies will allow you to have one accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
  • Early Switch Discount – A few companies offer discounts for switching to them before your current policy expires. It’s a savings of about 10%.
  • Multiple Vehicles – Buying coverage for multiple vehicles with the same company may reduce the rate for each vehicle.
  • Passive Restraints – Vehicles with factory air bags or automatic seat belts can get savings of 20% or more.
  • Paperwork-free – A handful of insurance companies give back up to $50 simply for signing online.
  • Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.

A little note about advertised discounts, most credits do not apply the the whole policy. Most cut the cost of specific coverages such as comprehensive or collision. So even though they make it sound like having all the discounts means you get insurance for free, auto insurance companies aren’t that generous.

For a list of providers who offer auto insurance discounts, click here to view.

You are unique and your insurance should be too

When it comes to choosing adequate coverage, there really is not a single plan that fits everyone. Everyone’s situation is a little different.

For instance, these questions can help discover if you may require specific advice.

  • Does coverage extend to a rental car in a foreign country?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Why do I only qualify for high-risk insurance?
  • Why do I need rental car insurance?
  • Am I covered if I hit my neighbor’s mailbox?
  • Are rock chip repairs covered?
  • What are the best liability limits?
  • Do I need higher collision deductibles?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and you can get the answers you need.

Car insurance policy specifics

Having a good grasp of your policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Uninsured or underinsured coverage – This provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Collision coverages – Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as hitting a parking meter, damaging your car on a curb and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Auto liability insurance – Liability coverage protects you from damage that occurs to people or other property that is your fault. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things like bail bonds, medical services and pain and suffering. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive protection – This covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from getting keyed, a tree branch falling on your vehicle and theft. The most your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical expense coverage – Medical payments and Personal Injury Protection insurance reimburse you for expenses for X-ray expenses, prosthetic devices, surgery, pain medications and hospital visits. They can be used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Shop. Compare. Save.

You just learned a lot of techniques to save on 2017 Volkswagen CrossBlue insurance. The key concept to understand is the more quotes you get, the higher your chance of finding lower rates. Drivers may discover the lowest rates come from some of the smallest insurance companies.

When trying to cut insurance costs, don’t be tempted to buy poor coverage just to save money. There are many occasions where consumers will sacrifice liability limits or collision coverage only to regret that the small savings ended up costing them much more. Your focus should be to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

Budget-conscious insurance is available both online and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance providers may not provide online quoting and usually these smaller companies provide coverage only through local independent agents.

More tips and info about auto insurance is available in these articles: