Lower Your 2014 Volkswagen CC Car Insurance Quotes

Looking for lower car insurance rates for your Volkswagen CC? Are you a victim of overpriced car insurance? Believe me when I say you’re not alone.

Multiple auto insurance companies compete to insure your vehicles, and it can be difficult to compare rates and get the definite lowest price

Consumers should take time to price shop coverage before your policy renews because insurance rates change frequently. Even if you think you had the best price for CC coverage two years ago there may be better deals available now. Starting now, ignore everything you know about car insurance because you’re about to learn the proper way to find lower rates on car insurance.

If you are paying for car insurance now, you should be able to cut costs considerably using this information. Buying car insurance is quite easy. Although drivers must understand how insurance companies compete online and take advantage of how the system works.

Compare the Market for Car Insurance

To find the best car insurance prices, there are several ways of comparing price quotes from car insurance companies in your area. The easiest way to find the lowest 2014 Volkswagen CC rates involves getting comparison quotes online. This can be done in just a few minutes using one of these methods.

  • The recommended way to get the best comparison quotes is to use a rate comparison form click here to open form in new window. This method prevents you from having to do boring form submissions for every car insurance company. In just a few minutes this one form will get you rate comparisons instantly.
  • A slightly less efficient method to analyze rates is to manually visit the website for every company you want to comare to complete a price quote. For examples sake, let’s say you want to compare rates from Progressive, Farmers and State Farm. To get rate quotes you would need to go to every website to input your insurance information, which is why most consumers use the first method. For a list of links to insurance companies in your area, click here.
  • The least recommended way to compare rates is to spend time driving to different agent offices. Buying insurance online makes this process obsolete unless you prefer the personal advice only provided by licensed agents. However, consumers can get the lowest quotes online but still have the advice of a local agent and we’ll talk about that later.

It’s up to you which method you use, but make absolute certain that you use exactly the same deductibles and coverage limits with every price quote. If your comparisons have different values for each quote you can’t possibly decipher which rate is best. Slightly different insurance coverages may result in a large different in cost. And when comparing car insurance rates, know that having more price comparisons will increase your chances of finding the best offered rates.

Are you getting all your discounts?

Car insurance can cost a lot, but companies offer discounts to reduce the price significantly. Certain discounts will be applied at the time you complete a quote, but a few must be inquired about prior to getting the savings.

  • Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class in high school.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
  • Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates for CC coverage than drivers with accidents.
  • Good Student Discount – Getting good grades can be rewarded with saving of up to 25%. This discount can apply until age 25.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.

Consumers should know that some credits don’t apply to the entire cost. Most only reduce the cost of specific coverages such as comp or med pay. So when it seems like you would end up receiving a 100% discount, insurance companies aren’t that generous. But any discount will reduce the cost of coverage.

Companies that may offer these discounts include:

Double check with each insurance company how you can save money. All car insurance discounts might not apply in every state.

Tailor your coverage to you

When choosing the best car insurance coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that may help you determine whether your personal situation will benefit from professional help.

  • What if I don’t agree with a claim settlement offer?
  • Does having multiple vehicles earn me a discount?
  • Should I waive the damage coverage when renting a car?
  • What should my uninsured motorist coverage limits be in my state?
  • Will my rates increase for filing one claim?
  • I have a DUI can I still get coverage?
  • Do I need replacement cost coverage on my 2014 Volkswagen CC?
  • Am I covered if I crash into my own garage door?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Volkswagen CC insurance rates are influenced by…

Smart consumers have a good feel for the factors that go into determining your insurance coverage rates. Having a good understanding of what controls the rates you pay helps enable you to make changes that could result in lower insurance coverage prices.

  • Being married can save on insurance coverage – Being married can get you a discount when buying insurance coverage. Marriage is viewed as being more mature and it’s statistically proven that married couples file fewer claims.
  • Keep rates low by being claim-free – If you file claims often, you can expect higher rates. Companies generally give cheaper rates to policyholders who file claims infrequently. Insurance coverage is intended for the bigger claims that can’t be paid out-of-pocket.
  • Policy add-ons can waste money – There are a ton of extra coverages that you can buy on your CC policy. Things like roadside assistance, towing coverage and membership fees are examples of these. They may seem good when you first buy your policy, but your needs may have changed so remove them from your policy.
  • Cautious drivers pay less – Careful drivers get better rates than their less careful counterparts. Even a single citation can boost insurance rates twenty percent or more. Drivers who get dangerous violations like reckless driving, hit and run or driving under the influence may be required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to prevent a license revocation.
  • Never let your coverage lapse – Driving your car without having proper coverage is a misdemeanor and your next policy will cost more because you let your insurance expire. And not only will your rates increase, but not being able to provide proof of insurance will get you a steep fine or even jail time.
  • Do you know you’re credit rating? – A driver’s credit rating is a important factor in calculating your insurance coverage rates. Consumers who have excellent credit tend to be less risk to insure as compared to drivers with lower ratings. So if your credit can use some improvement, you could be paying less to insure your 2014 Volkswagen CC by improving your rating.

Car insurance coverages for a Volkswagen CC

Understanding the coverages of insurance helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Shown next are the normal coverages found on the average insurance policy.

Liability – This protects you from damages or injuries you inflict on other’s property or people. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as funeral expenses, structural damage, attorney fees and bail bonds. How much coverage you buy is your choice, but buy as large an amount as possible.

Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hitting a deer, hail damage, theft and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for medical expenses – Coverage for medical payments and/or PIP pay for immediate expenses for things like dental work, hospital visits and doctor visits. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Volkswagen CC.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these coverages do not exceed the liability coverage limits.

Collision coverage – Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like sideswiping another vehicle, crashing into a ditch and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

A little work can save a LOT of money

As you prepare to switch companies, it’s not a good idea to skimp on coverage in order to save money. In too many instances, an insured dropped liability limits or collision coverage only to discover later that it was a big error on their part. Your focus should be to buy enough coverage at a price you can afford while not skimping on critical coverages.

Cheap 2014 Volkswagen CC insurance can be bought on the web as well as from independent agents, and you should be comparing both in order to have the best chance of saving money. Some insurance companies don’t offer online price quotes and these regional insurance providers work with independent agents.

For more information, take a look at the resources below: