2009 Volkswagen CC Insurance Rates

Have you fallen victim to overpriced insurance coverage? Don’t feel bad because you are not the only one feeling buyer’s remorse.

Companies like State Farm, Farmers Insurance, Geico and Allstate continually bombard you with TV and radio ads and consumers find it hard to avoid their marketing magic and take the time to shop coverage around.

If you have car insurance now, you will be able to lower your premiums substantially using these techniques. Buying car insurance is quite easy. But consumers must know the way insurance companies price online insurance and take advantage of how the system works.

Quote auto insurance online

All the larger auto insurance companies provide prices online. Getting prices online is fairly straightforward as you just enter into a form. After the form is submitted, their rating system makes automated requests for credit information and your driving record and returns a price quote based on these factors. This helps simplify price comparisons, but the time required to go to different websites and type in the same information gets old quite quickly. But it’s very important to do this in order to get lower prices.

The smarter way to locate the lowest prices requires only one form that gets price quotes from several companies at one time. It saves time, requires less work, and makes online shopping much more enjoyable and efficient. After sending your information, it is rated and you can choose any or none of the resulting price quotes. If the quotes result in lower rates, you simply finish the application and purchase the new policy. The entire process just takes a couple of minutes and you will find out if you’re overpaying now.

To compare rates now, simply click here to open in new window and submit your coverage information. If you currently have coverage, we recommend you type in the limits and deductibles exactly as shown on your declarations page. This way, you’re receiving rate quotes for the exact same coverage.

Get affordable car insurance quotes with discounts

Some companies do not list their entire list of discounts in a way that’s easy to find, so the list below gives a summary of some of the more common as well as some of the hidden discounts that may be available.

• Driver’s Education for Students – Cut your cost by having your teen driver participate in a local driver’s education class in school or through a local driver safety program.
• Payment Discounts – If you pay your entire premium ahead of time rather than spreading payments over time you could save up to 5%.
• Discounts for Federal Employees – Simply working for the federal government can earn a discount up to 10% for CC insurance depending on your car insurance provider.
• Defensive Driver – Successfully completing a safe driver course may get you a small discount and easily pay for the cost of the class.
• College Student – who are enrolled in a college that is more than 100 miles from home and do not take a car to college can be insured at a reduced rate.
• Professional Memberships – Being in a civic or occupational organization is a simple method to lower premiums on your next renewal.
• Senior Citizens – Mature drivers can possibly qualify for a small discount on rates for CC insurance.
• Multi-policy Discount – When you have multiple policies and insure them with the same company they may give you a discount of 10% to 20% off each policy.

It’s important to understand that some credits don’t apply to the entire cost. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though the math looks like it’s possible to get free car insurance, you aren’t that lucky. But all discounts will positively reduce your policy premiums.

Large car insurance companies and a summarized list of policyholder discounts are included below.

• State Farm discounts include Steer Clear safe driver discount, safe vehicle, good driver, student away at school, good student, and Drive Safe & Save.
• Esurance may include discounts for safety device, homeowner, emergency road assistance, claim free, and online quote.
• Progressive includes discounts for good student, online signing, continuous coverage, homeowner, online quote discount, multi-vehicle, and multi-policy.
• Liberty Mutual offers discounts including hybrid vehicle, teen driver discount, exclusive group savings, multi-policy, and new move discount.
• Auto-Owners Insurance offers premium reductions for safe vehicle, multiple vehicles, teen driver, safe driver, anti-lock brakes, and group or association.
• Geico offers discounts for good student, multi-policy, membership and employees, seat belt use, multi-vehicle, and federal employee.

Double check with every insurance company to give you their best rates. Some of the earlier mentioned discounts might not be offered in your area. For a list of insurers that offer the discounts shown above, click this link.

Tailor your insurance coverage coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Every situation is different and a cookie cutter policy won’t apply. For example, these questions might help in determining if you would benefit from an agent’s advice.

• Am I covered when delivering products for my home-based business?
• Should I put collision coverage on all my vehicles?
• If my pet gets injured in an accident are they covered?
• What is the rate difference between pleasure use and commuting?
• Is business equipment covered while in my vehicle?
• Do I need motorclub coverage?
• Is my camper covered by my car insurance policy?
• Can I rate high risk drivers on liability-only vehicles?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area.

The coverage is in the details

Understanding the coverages of your auto insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy. Below you’ll find the normal coverages found on the average auto insurance policy.

Comprehensive coverages

This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hail damage, falling objects, a broken windshield and fire damage. The maximum payout your auto insurance company will pay 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.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for expenses such as EMT expenses, prosthetic devices and funeral costs. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Collision protection

This covers damage to your CC from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as backing into a parked car, hitting a parking meter, scraping a guard rail, damaging your car on a curb and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Auto liability insurance

Liability insurance can cover injuries or damage you cause to people or other property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like repair bills for other people’s vehicles, bail bonds, pain and suffering and structural damage. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Uninsured and underinsured coverage

This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and damage to your Volkswagen CC.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.