Searching for the cheapest insurance rates for your Volkswagen CC? Have you had enough of scraping nickels together to pay your insurance bill each month? You have the same problem as millions of other vehicle owners.
Due to the fact that there are so many insurance companies to choose from, it can be impossible to locate the most affordable insurer.
You should make it a habit to get comparison quotes at least once a year because prices are variable and change quite frequently. Just because you had the best deal on CC coverage two years ago you will most likely find a better premium rate today. Forget all the misinformation about insurance because I’m going to let you in on the secrets to one of the easiest ways to find the best coverage while lowering your premiums.
Finding affordable coverage is not that difficult. Essentially everyone who buys car insurance should be able to cut their insurance bill. Although consumers must understand how the larger insurance companies market insurance on the web.
Companies don’t list all possible discounts very well, so the following is a list of some of the best known in addition to some of the lesser obvious ways to save on insurance coverage. If you do not check that you are getting every discount available, you are not getting the best rate possible.
As is typical with insurance, most discounts do not apply to your bottom line cost. Most cut the cost of specific coverages such as liability and collision coverage. If you do the math and it seems like all those discounts means the company will pay you, it’s just not the way it works.
Insurance companies that may include most of the discounts above may include but are not limited to:
If you need affordable insurance quotes, ask all companies you are considering which credits you are entitled to. Some of the discounts discussed earlier may not apply to policies in every state. To see a list of companies who offer discounts, click here.
Most companies such as 21st Century, Allstate and State Farm allow you to get coverage prices directly from their websites. Getting online rates can be done by anyone because it’s just a matter of typing in the coverage amounts you desire on the page. Upon sending the form, the company’s rating system automatically orders information on your driving record and credit history and returns a price. Online price estimates makes it simple to compare prices but the work required to visit several different sites and type in the same information is not the best way to spend an afternoon. But it’s very important to perform this step in order to find a better rate.
Isn’t there an easier way to compare rates?
An easier way to lower your rates requires only one form to return rates from several companies at one time. It saves time, reduces the work, and makes online shopping much easier to do. Once the form is submitted, your coverage is rated and you can select any one of the quote results. If the quotes result in lower rates, you can click and sign and purchase the new policy. The whole process takes less than 15 minutes and can result in significant savings.
If you want to find out what other companies charge, simply click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you type in the insurance coverages identical to your current policy. This ensures you will get a rate comparison for similar coverage.
One of the most helpful ways to save on auto insurance is to to have a grasp of the factors that help determine the level of your policy premiums. If you understand what determines base rates, this enables informed choices that can help you get cheaper rates. Many factors are considered when quoting car insurance. Most are fairly basic such as your driving record, but some are more transparent like your vehicle usage and annual miles driven.
When it comes to buying the right insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s needs are different so this has to be addressed. For example, these questions might point out if you might need professional guidance.
If you can’t answer these questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.
Insurance providers like 21st Century, Allstate and State Farm continually stream ads on television and other media. All the companies have a common claim about how much you will save if you just switch to them. How does every insurance company give you a lower rate?
All the different companies quote their cheapest rates for a prospective insured that earns them a profit. For example, a driver they prefer might be between 25 and 40, is a homeowner, and drives less than 5,000 miles a year. Anyone that matches those criteria will get the preferred car insurance rates and as a result will probably save if they switch.
Potential insureds who fall outside this ideal profile will see more expensive rates which usually ends up with the customer buying from someone else. Company advertisements say “customers that switch” not “all people who quote” save that much. That is how insurance companies can make claims that they all have the best car insurance rates. This really illustrates why drivers must do a quote comparison often. Because without a comparison, you cannot know which insurance company will provide the lowest rates.
Understanding the coverages of your auto insurance policy helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverage types offered by auto insurance companies.
Liability car insurance – Liability insurance protects you from injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.
Liability insurance covers claims like court costs, loss of income and emergency aid. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.
Collision coverage – This will pay to fix damage to your CC caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage pays for things such as driving through your garage door, colliding with a tree, sustaining damage from a pot hole and rolling your car. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.
Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for bills like prosthetic devices, X-ray expenses, chiropractic care, pain medications and nursing services. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. It covers you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage
Comprehensive or Other Than Collision – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.
Comprehensive can pay for claims like a broken windshield, damage from a tornado or hurricane and hail damage. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important.
In this article, we covered quite a bit of information on how to lower your 2014 Volkswagen CC insurance auto insurance rates. The key thing to remember is the more companies you get premium rates for, the more likely it is that you will get a better rate. Drivers may discover the lowest priced car insurance comes from a company that doesn’t do a lot of advertising. Some small companies may have significantly lower premium rates on certain market segments than the large multi-state companies such as State Farm and Allstate.
Some insurance companies may not have online quoting small insurance companies only sell through independent insurance agencies. Low-cost 2014 Volkswagen CC insurance is definitely available online and from local agencies, so you should be comparing quotes from both to have the best selection.
Much more information about car insurance can be read on the following sites:
Any 21st Century or Erie customers near Providence, RI?
I live in Birmingham, AL. I got free quotes from American Family, Mercury, and Travelers for my Volkswagen and saved $147 a year.
Went with 21st Century for my CC and cut my rates about $450 a year.
I got a good deal I think. I live east of Birmingham, AL. Quoted a bunch of companies. Saved darn near $30 a month. Progressive was the cheapest option for me. Insured with MetLife before. I even had a DUI years ago. Just waiting to see how claims go.
All companies are crooks. From east side of Kailua, HI. Received rates from 21st Century, Amica, and Farmers for my 2014 Volkswagen CC and I think I saved about $70 each month. Did it all online.
Not sure what I should be paying. From south side of Mobile, AL. Got prices from State Farm, Erie, and Hanover for my 2014 Volkswagen CC and saved just over $300 a year. Was with Safeco. :P
I think I’m paying too much. I’m in the south part of Las Cruces, NM. I quoted with 21st Century, Auto-Owners, Erie, and Liberty Mutual for my Volkswagen and saved around $210 a year. Good savings if you bundle. Just waiting to see how claims go.
Where is cheaper car insurance? Got a quote with 21st Century for my CC and saved around $430 a year. Left Auto-Owners to switch. It was easy to get rates.