Cheaper 2013 Volkswagen CC Insurance Cost

Finding low-cost insurance for a Volkswagen CC can turn out to be an all-consuming task, but you can follow our insurance coverage buying tips to make it easier.

There is a right way and a wrong way to shop for insurance coverage and we’ll show you the absolute fastest way to compare rates for your Volkswagen and get the lowest price.

It’s smart to take a look at other company’s rates periodically since insurance rates are rarely the same from one policy term to another. Even if you think you had the best deal for CC coverage last year there is a good chance you can find better rates now. Ignore everything you know about insurance coverage because you’re about to find out the fastest and easiest way to get good coverage at a lower rate.

Pricing the cheapest insurance coverage coverage is simple if you know the tricks. If you have a policy now or need new coverage, you can learn to cut your premiums and possibly find even better coverage. Consumers just need to understand the most efficient way to buy insurance coverage on the web.

Compare Insurance Coverage Costs

Shopping for lower insurance coverage rates can take time and effort if you don’t understand the easiest way. You could waste a few hours talking to agents in your area, or you can stay home and use online quotes to get rate comparisons in just a few minutes.

All the larger companies participate in a marketplace that enables customers to submit one quote, and every company returns a rated price based on the submitted data. This prevents consumers from doing form submissions for each company you want a rate for.

To use this form to compare 2013 Volkswagen CC insurance rates click here to open in new window.

One minor caviat to pricing coverage this way is buyers cannot specifically choose which companies to get quotes from. If you prefer to choose individual companies for rate comparison, we have a listing of insurance coverage companies in your area. Click here for list of insurance companies.

Whichever method you choose, be sure to compare exactly the same coverage limits and deductibles for each price quote. If you enter different values for each quote then you won’t be able to truly determine the lowest rate.

Save big with these discounts

The price of auto insurance can be rather high, but discounts can save money and there are some available to cut the cost considerably. A few discounts will automatically apply when you get a quote, but less common discounts must be specially asked for prior to receiving the credit. If you’re not getting every credit possible, you are paying more than you should be.

  • Safety Course Discount – Successfully completing a defensive driving course could cut 5% off your bill if you qualify.
  • 55 and Retired – Mature drivers may receive better insurance coverage rates for CC coverage.
  • Homeowners Discount – Being a homeowner may earn you a small savings because of the fact that having a home requires personal responsibility.
  • Auto/Home Discount – When you combine your home and auto insurance with one insurance company you may earn 10% to 20% off each policy.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
  • Government Employees – Active or retired federal employment can save as much as 8% for CC coverage depending on your company.

A little note about advertised discounts, some of the credits will not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like comp or med pay. So even though it sounds like having all the discounts means you get insurance for free, you won’t be that lucky. Any amount of discount will bring down your premiums.

For a list of insurers with the best insurance coverage discounts, click here to view.

But I don’t know anything about car insurance

When choosing the right insurance coverage, there isn’t really a “best” method to buy coverage. Every situation is different.

For instance, these questions can help discover if your situation will benefit from professional help.

  • If my pet gets injured in an accident are they covered?
  • What are the best liability limits?
  • Should I buy additional glass protection?
  • Do I get a pro-rated refund if I cancel my policy early?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Can my teen driver be rated on a liability-only vehicle?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Information about specific coverages

Having a good grasp of a insurance policy helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for 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, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like chiropractic care, hospital visits, ambulance fees and funeral costs. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision coverage 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 can pay for claims like hitting a parking meter, backing into a parked car, hitting a mailbox, sideswiping another vehicle and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hitting a deer, damage from flooding, hitting a bird and damage from getting keyed. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability insurance

Liability coverage protects you from damage that occurs to other people or property. It protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability can pay for things like attorney fees, loss of income and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.