2013 Volkswagen CC Car Insurance Cost – 5 Ideas for Cheaper Prices

Expensive auto insurance can diminish your funds and put a big crunch on your finances.

Many insurance companies vie for your business, so it’s not easy to compare every insurer to find the absolute lowest price

First Step: Get free car insurance quotes

Performing a rate comparison can be challenging if you aren’t aware of the best way to get rate quotes. You can waste hours talking to insurance companies in your area, or you can stay home and use the internet to accomplish the same thing much quicker.

The majority of car insurance companies are enrolled in a marketplace that enables customers to submit their information once, and each company then gives them pricing for coverage. This prevents consumers from doing form submissions for each company. To fill out one form to compare multiple rates now click here to open in new window.

One minor caviat to getting quotes like this is that consumers can’t choose the insurers you want pricing from. So if you prefer to pick individual companies to compare, we put together a list of companies who write car insurance in your area. Click to view list.

Whichever way you choose to compare rates, make sure you are using the same deductibles and coverage limits for every quote you compare. If you enter differing limits it will be impossible to determine the best price for your Volkswagen CC. Having just a slight variation in limits may result in a large different in cost. Just remember that comparing more quotes increases your odds of finding a better price. Not every company does quotes online, so it’s necessary to compare price quotes on coverage from those companies, too.

Insurance discounts are available to lower your rates

Some providers don’t always list all available discounts very clearly, so the list below gives a summary of some of the best known and the more hidden savings tricks you should be using when you buy auto insurance online.

• More Vehicles More Savings – Insuring multiple cars or trucks on one policy could earn a price break for each car.
• Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class in school or through a local driver safety program.
• Club Memberships – Affiliation with a qualifying organization may earn a discount when getting a auto insurance quote.
• Low Miles Discount – Driving less can qualify you for discounted insurancerates on garaged vehicles.
• Telematics Devices – Drivers who elect to allow their insurance company to spy on their driving habits by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates as long as the data is positive.

It’s important to note that most discounts do not apply to the entire cost. A few only apply to the price of certain insurance coverages like liability and collision coverage. So even though you would think you could get a free insurance policy, that’s just not realistic. But any discount will cut your overall premium however.

Insurance companies who may offer some of the discounts shown above include:

• 21st Century
• Progressive
• State Farm
• Nationwide
• Esurance
• The Hartford

When quoting, ask each insurance company to give you their best rates. Some credits might not be offered on policies everywhere. If you would like to see a list of providers who offer cheap insurance quotes, click here.

Everyone needs different auto insurance coverages

When buying the best auto insurance coverage for your vehicles, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions may help highlight if your insurance needs would benefit from professional advice.

• Do I get a pro-rated refund if I cancel my policy early?
• Am I covered when delivering products for my home-based business?
• What if I don’t agree with a claim settlement offer?
• Am I insured when driving a different vehicle?
• Should I put collision coverage on all my vehicles?
• Should I buy additional glass protection?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Car insurance coverage specifics

Knowing the specifics of car insurance helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are the usual coverages found on the average car insurance policy.

Collision insurance

Collision coverage pays for damage to your CC resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like colliding with a tree, colliding with another moving vehicle and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as surgery, X-ray expenses, doctor visits, pain medications and hospital visits. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Comprehensive protection

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like hitting a deer, vandalism and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability

Liability coverage protects you from injuries or damage you cause to other’s property or people that is your fault. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things such as medical services, emergency aid and pain and suffering. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Get your money’s worth

We just covered many tips how you can save on 2013 Volkswagen CC insurance. The key thing to remember is the more quotes you get, the better your comparison will be. Consumers could even find that the lowest priced car insurance comes from a company that doesn’t do a lot of advertising. Regional companies may only write in your state and offer lower auto insurance rates than the large multi-state companies such as Allstate or State Farm.

Some insurance companies may not have online quoting and many times these small, regional companies provide coverage only through independent insurance agencies. Cheaper 2013 Volkswagen CC insurance can be found both online and also from your neighborhood agents, and you should be comparing both so you have a total pricing picture.

When getting auto insurance quotes online, never buy lower coverage limits just to save a few bucks. Too many times, an accident victim reduced full coverage only to find out that the few dollars in savings costed them thousands. Your goal should be to purchase a proper amount of coverage for the lowest cost while not skimping on critical coverages.

Even more information can be found in the articles below:

• Things to Know Before you Cancel Insurance (Allstate)
• Understanding your Policy (NAIC.org)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Top Signs Your Brakes are Giving Out (State Farm)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)