Why It’s More Affordable to Buy Volkswagen CC Insurance Online

Scraping up a payment for overpriced Volkswagen CC insurance can dwindle your personal savings and force you to make sacrifices. Doing a price comparison is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away.

Big-name insurance companies like GEICO, Progressive and Allstate continually bombard you with catchy ads and consumers find it hard to ignore the promise of big savings and take the time to shop coverage around.

If you have car insurance now, you should be able to cut costs considerably using these tips. Buying car insurance is not rocket science. Although vehicle owners must know how the larger insurance companies market on the web and apply this information to your search.

Volkswagen CC rates are complex

It’s important that you understand the factors that go into determining the rates you pay for car insurance. Knowing what impacts premium levels allows you to make educated decisions that may reward you with big savings.

Listed below are a few of the “ingredients” companies use to determine rates.

Protect your assets with liability insurance – Your policy’s liability coverage is the protection if you are found liable for damages caused by your negligence. Liability provides legal defense coverage which can be incredibly expensive. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not cut corners here.
Men fork out a little more – The statistics show women are more cautious behind the wheel. However, this does not mean women are BETTER drivers than men. Both sexes are in accidents at about the same rate, but men have costlier accidents. Men also get cited for more serious violations like DUI and reckless driving. Youthful male drivers are the most expensive to insure and thus pay the highest rates.
Rural vs Urban Areas – Being located in small towns and rural areas has it’s advantages when talking about car insurance. Fewer people means reduced accidents and a lower car theft rate. Drivers who live in large cities have congested traffic and much longer commute distances. More time commuting translates into higher accident risk.
Better crash test results mean better rates – Cars with high safety ratings tend to have better insurance rates. The safest vehicles result in less severe injuries and lower injury rates translates into fewer and smaller insurance claims and thus lower rates. If your Volkswagen CC earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
Increase deductibles and save – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Volkswagen from damage. A few examples of covered claims would be a windshield shattered by a rock, collision with an animal, and rolling your vehicle. Physical damage deductibles are the amount of money you are required to spend before a claim is paid by your company. The more expense you have to pay, the bigger discount you will receive for CC insurance.
Rates may be lower depending on your job – Jobs such as real estate brokers, executives and accountants tend to pay higher rates than average in part from high stress and lengthy work days. On the flip side, occupations such as scientists, athletes and retirees have the lowest average rates for CC insurance.
No coverage gaps is important – Allowing your coverage to lapse is a guaranteed way to pay more for car insurance. And not only will your rates increase, getting caught without coverage can result in a hefty fine and possibly a revoked license.You may have to file a SR-22 with your state department of motor vehicles.
Do you know you’re credit rating? – Having a bad credit rating is a big factor in calculating your car insurance rates. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers who have poor credit. If your credit can use some improvement, you could pay less to insure your Volkswagen CC by improving your credit score.

Don’t pay full price with these discounts

Companies offering auto insurance do not list every available discount in an easy-to-find place, so we researched both well-publicized and also the lesser-known discounts you could be receiving.

Homeowners Pay Less – Being a homeowner can help you save on car insurance because maintaining a house requires personal responsibility.
Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts could save 15% off your medical payments premium.
Military Discounts – Being deployed with a military unit may qualify for rate reductions.
Student in College – Children living away from home attending college and do not have access to a covered vehicle can receive lower rates.
Drivers Education – Have your child enroll in driver’s education if offered at their school.
Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates for CC insurance than their less cautious counterparts.
Auto/Life Discount – Select insurance companies reward you with a break if you buy auto and life insurance together.
Pay Upfront and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
E-sign – A handful of insurance companies may give you up to $50 simply for signing over the internet.

It’s important to note that most of the big mark downs will not be given to the entire policy premium. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, companies wouldn’t make money that way.

For a list of insurers offering car insurance discounts, click here. insurance banner

Are insurance agents a thing of the past?

A small number of people prefer to buy from a local agent and that is a personal choice. One of the great benefits of getting online price quotes is that you can obtain lower rates but still work with a licensed agent.

To make it easy to find an agent, after completing this short form, the quote information is instantly submitted to agents in your area who will compete for your insurance coverage. There is no need to leave your house as quotes are delivered to your email. It doesn’t get any easier! You’ll get the best rates and an insurance agent to talk to.

Choosing an insurance company needs to be determined by more than just the bottom line cost. Any agent should have no problem answering these questions:

Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
Did they already check your driving record and credit reports?
Are claims handled at the agent’s location?
How are claims handled?
Do they specialize in personal lines coverage?
Who are their largest clients?
Do they review policy coverages at every renewal?
What are the financial ratings for the companies they represent?

If you want to select a specific agent in your state, visit this site.

Once you have received positive responses to these questions and an affordable coverage quote, it’s possible that you found an provider that will adequately provide car insurance.

Car insurance ads bend the truth

Allstate and Progressive consistently run ads on TV and radio. All the companies say the same thing about savings if you change to their company. How does each company say the same thing?

All the different companies have a preferred profile for the right customer that is profitable for them. For instance, a preferred risk might be profiled as between the ages of 40 and 55, insures multiple vehicles, and chooses high deductibles. A customer that hits that “sweet spot” will get very good rates and most likely will save when they switch companies.

Potential customers who fall outside these standards will have to pay higher premiums and this can result in the customer not buying. The ads say “customers who switch” not “everybody who quotes” save money. This is how companies can truthfully advertise the savings. Because of the profiling, you need to get as many comparisons as possible. It’s impossible to know which company will have the lowest rates.

Your personal situation dictates your coverage

When it comes to choosing adequate coverage, there really is not a “perfect” insurance plan. Every situation is different so your insurance should reflect that For instance, these questions can aid in determining if your insurance needs would benefit from an agent’s advice.

Is my business laptop covered if it gets stolen from my vehicle?
Why am I required to buy high-risk coverage?
What discounts do I qualify for?
Does my policy cover me when driving someone else’s vehicle?
Which companies will insure high-risk drivers?
Should I file a claim if it’s only slightly more than my deductible?
Will I be non-renewed for getting a DUI or other conviction?
Is my custom paint covered by insurance?
I have good health insurance, so how much medical payments coverage do I need?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

The best insurance company isn’t always the cheapest

When trying to cut insurance costs, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where someone sacrificed collision coverage and found out when filing a claim that the few dollars in savings costed them thousands. The ultimate goal is to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.

We covered a lot of information how to reduce Volkswagen CC insurance prices online. The key concept to understand is the more times you quote, the better chance you’ll have of finding lower rates. You may even find the best prices are with an unexpected company. Regional companies may cover specific market segments cheaper compared to the large companies like Allstate and Progressive.

Cheaper Volkswagen CC insurance is available both online and also from your neighborhood agents, and you need to price shop both to have the best selection. There are still a few companies who may not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.