View 2011 Volkswagen CC Insurance Rates

Want lower insurance rates for your Volkswagen CC? Pretty sure you bought high-priced insurance? It’s quite common and there are a lot of people just like you who feel imprisoned by their insurance policy.

Online insurance companies like GEICO and Progressive continually bombard you with advertising and it is difficult to sift through the bull and do the work needed to find the best deal.

It’s a great practice to price shop coverage before your next renewal because prices are adjusted regularly by insurance companies. Just because you found the best rates for CC coverage a couple years back other companies may now be cheaper. Forget all the misinformation about insurance because you’re going to learn the best way to lower your annual insurance bill.

Get lower-cost insurance rates with discounts

Some companies don’t list every policy discount very clearly, so below is a list a few of the more well known as well as some of the hidden ways to save on insurance.

  • Government Employees – Employees or retirees of the government could qualify for a slight premium decrease for CC coverage with some insurance companies.
  • Waiver for an Accident – Not necessarily a discount, but companies like GEICO, Progressive, and Allstate allow you one accident before hitting you with a surcharge if you have no claims before the accident.
  • Discount for Life Insurance – Select companies reward you with better insurancerates if you take out some life insurance too.
  • Drive Less and Save – Keeping the miles down on your Volkswagen could be rewarded with lower insurancerates due to less chance of an accident.
  • Memberships – Belonging to qualifying employment or professional organizations could earn you a nice discount on your next renewal.

Don’t be shocked that some of the credits will not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though you would think adding up those discounts means a free policy, companies don’t profit that way.

To choose insurance companies who offer discounts, click here.

Ways to get insurance coverage quotes

There are several ways you can shop for insurance coverage and some are less time-consuming than others. You could waste a few hours talking about coverages with insurance companies in your area, or you could save time and use the web to achieve your goal.

The majority of car insurance companies take part in a program that allows shoppers to complete one form, and every company then returns a price quote determined by their information. This eliminates the need for form submissions for each company you want a rate for.

To compare pricing click to open in new window.

The one downside to comparing rates this way is you are unable to specify the providers to receive prices from. So if you prefer to pick specific insurance companies to request quotes from, we have a page of insurance coverage companies in your area. Click here to view list.

You can use whichever method you prefer to find lower rates, just make darn sure you compare the exact same quote information for each price quote. If you have different values for each quote it will be nearly impossible to find the best deal for your Volkswagen CC. Even a minor difference in insurance coverages could throw off the whole comparison. It’s important to know that comparing more rates from different companies will improve the odds of getting a better price. Some regional insurers cannot provide prices over the internet, so you should also compare rates from them as well.

Six things that impact your insurance prices

Many things are used when pricing auto insurance. Most are fairly basic like an MVR report, but other factors are not quite as obvious such as whether you are married and annual miles driven.When buying car insurance it’s important to understand some of the things that play a part in calculating car insurance rates. If you know what determines premiums, this empowers consumers to make smart changes that will entitle you to cheaper rates.

  • Pay more of a claim out-of-pocket – Physical damage deductibles define the amount you are required to spend if you file a covered claim. Insurance for physical damage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Examples of covered claims are rearending another vehicle, vandalism, and damage from wind. The more of the claim you are required to pay out-of-pocket, the less your company will charge you for insurance for CC coverage.
  • Why do you need liability protection? – Your car insurance policy’s liability coverage will provide protection if ever you are responsible for physical damage or personal injury to other. Liability provides legal defense to defend your case. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so drivers should carry high limits.
  • Car insurance claims cost money – Insurance companies generally give most affordable rates to insureds who only file infrequent claims. If you file a lot of claims you can pretty much guarantee increased rates or even have your policy non-renewed. Insurance coverage is meant to be used in the event of claims that you cannot pay yourself.
  • Lower rates with alarms and GPS tracking – Buying a car with an alarm system can help bring down rates. Anti-theft devices like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder car theft and help bring rates down.
  • Vocation can influence premiums – Did you know your career choice can influence rates? Occupational choices like lawyers, architects and stock brokers are shown to have the highest rates attributed to intense work situations and long work days. On the other hand, occupations like actors, students and homemakers pay lower than average rates for CC coverage.
  • Commute or pleasure use – The higher the miles on your Volkswagen annually the higher your rate. Most companies calculate prices based on their usage. Autos not used for work or commuting cost less to insure than vehicles that are driven to work every day. It’s a smart idea to ensure your car insurance policy shows the correct usage for each vehicle. Having the wrong rating on your CC is just wasting money.

Tailor your insurance coverage coverage to you

When it comes to choosing adequate coverage, there really is no “perfect” insurance plan. Every insured’s situation is different so this has to be addressed. For instance, these questions might point out whether or not you would benefit from an agent’s advice.

  • How can I get my company to pay me more for my totalled car?
  • Can I rent a car in Mexico?
  • How do I insure my teen driver?
  • Are my friends covered when driving my 2011 Volkswagen CC?
  • When would I need additional glass coverage?
  • Which is better, split liability limits or combined limits?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What is PIP insurance?
  • Will my insurance pay for OEM parts?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Insurance specifics

Learning about specific coverages of your policy helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. These are typical coverages found on the average insurance policy.

Liability auto insurance

This protects you from damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for things like structural damage, medical expenses, repair costs for stationary objects, court costs and medical services. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Collision insurance

Collision coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as scraping a guard rail, rolling your car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Coverage for medical payments

Med pay and PIP coverage kick in for expenses like X-ray expenses, pain medications and prosthetic devices. They can be utilized in addition to your health insurance program or if you do not have health coverage. It covers you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Comprehensive coverages

This coverage covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like fire damage, hail damage, damage from a tornado or hurricane, a broken windshield and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Volkswagen CC.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Shop. Compare. Save.

Low-cost 2011 Volkswagen CC insurance can be sourced from both online companies and also from your neighborhood agents, and you should be comparing both to have the best selection. A few companies may not provide online quoting and usually these smaller companies provide coverage only through independent agencies.

As you prepare to switch companies, make sure you don’t reduce coverage to reduce premium. There have been many cases where an insured dropped collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy enough coverage at a price you can afford while not skimping on critical coverages.

More detailed auto insurance information is available by following these links: