2012 Volkswagen CC Insurance Quotes – 6 Tips for Best Rates

Want cheaper auto insurance rates? Drivers have lots of choices when trying to find affordable Volkswagen CC insurance. They can either spend hours struggling with agents trying to get quotes or save time using the internet to compare rates.

There is a right way and a wrong way to find auto insurance online and you need to know the best way to quote coverages on a Volkswagen and locate the lowest price.

How to compare insurance coverage quotes

There are several ways to compare insurance coverage prices but one way is more efficient than others. You could waste time discussing policy coverages with insurance companies in your area, or you can utilize online quoting to achieve your goal.

Most of the larger companies enroll in a system that enables customers to send in one quote, and each participating company can give them a price based on that data. This prevents consumers from doing form submissions for every insurance coverage company.

To participate in this free quote system, click here to open in new window.

One minor caviat to comparing rates this way is you are unable to specify which providers you want to price. So if you prefer to pick specific providers to compare prices, we have assembled a list of low cost insurance coverage companies in your area. View list of insurance companies.

However you get your quotes, try to use nearly identical deductibles and coverage limits with every price quote. If your comparisons have different liability limits it will be impossible to truly determine the lowest rate.

Ads can be misleading

Drivers can’t get away from all the ads for insurance savings by companies like Allstate, GEICO and Progressive. They all seem to state the claim that drivers will save a bundle if you just switch your coverage.

How is it plausible that every one can charge less that you’re paying now? Just pay attention to how they say it.

Insurance providers have a preferred profile for the type of insured that is profitable for them. An example of a desirable insured may be between the ages of 40 and 55, has never had a claim, and drives a car with an anti-theft system. A propective insured who matches that profile is entitled to the best price and is almost guaranteed to save some money.

Drivers who cannot meet these stringent criteria may be forced to pay higher premiums and business going elsewhere. The ad wording is “customers who switch” not “everybody who quotes” save that much when switching. That’s why companies can lure you into getting a quote.

Each company has different criteria, so it’s extremely important to compare rate quotes every year. It’s not possible to predict the company that will have the lowest car insurance rates for your situation.

Pay discount rates these six discounts

Insurance can cost an arm and a leg, but there could be significant discounts that can help lower your rates. Certain discounts will be applied when you complete an application, but occassionally some discounts must be specially asked for prior to getting the savings. If you check and find you aren’t receiving every discount you qualify for, you may be paying too high a price.

  • Own a Home and Save – Being a homeowner can help you save on insurance coverage because of the fact that having a home requires personal responsibility.
  • Discounts for Good Drivers – Insureds without accidents could pay up to 40% less on CC insurance compared to accident prone drivers.
  • Onboard Data Collection – People who choose to allow their insurance coverage company to look at their driving habits by using a telematic data system such as Progressive’s Snapshot might get better premium rates if their driving habits are good.
  • Auto/Life Discount – If the company offers life insurance, you could get a break if you buy some life insurance too.
  • Low Miles Discount – Driving fewer miles may allow you to get discounted insurance coveragerates on garaged vehicles.
  • Safety Restraint Discount – Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more off the personal injury premium cost.

Please keep in mind that many deductions do not apply to all coverage premiums. The majority will only reduce specific coverage prices like medical payments or collision. Even though the math looks like you could get a free insurance coverage policy, companies wouldn’t make money that way. But any discount will help lower your insurance coverage premiums.

A list of companies and some of their more popular discounts include:

  • State Farm may include discounts for passive restraint, accident-free, good driver, Steer Clear safe driver discount, defensive driving training, and Drive Safe & Save.
  • GEICO has discounts for membership and employees, military active duty, five-year accident-free, anti-lock brakes, driver training, and defensive driver.
  • Progressive has savings for continuous coverage, online signing, multi-policy, online quote discount, multi-vehicle, and homeowner.
  • 21st Century offers discounts for air bags, anti-lock brakes, theft prevention, student driver, and homeowners.
  • American Family may have discounts that include multi-vehicle, TimeAway discount, bundled insurance, defensive driver, mySafetyValet, early bird, and Steer into Savings.
  • The Hartford policyholders can earn discounts including vehicle fuel type, anti-theft, bundle, good student, defensive driver, air bag, and driver training.
  • AAA may offer discounts for multi-car, education and occupation, pay-in-full, good student, anti-theft, AAA membership discount, and multi-policy.

Before buying, ask every company the best way to save money. Some discounts listed above may not apply to policyholders in your area.

Special considerations

When it comes to buying the best car insurance coverage for your personal vehicles, there is no one size fits all plan. Everyone’s needs are different.

For example, these questions could help you determine whether your personal situation might need an agent’s assistance.

  • Do I need higher collision deductibles?
  • Is business equipment covered while in my vehicle?
  • What is the minimum liability in my state?
  • If my pet gets injured in an accident are they covered?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • When should I drop full coverage on my 2012 Volkswagen CC?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Specific coverages for a Volkswagen CC

Understanding the coverages of a car insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Coverage for liability

Liability coverage provides protection from damages or injuries you inflict on people or other property. This insurance protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as structural damage, legal defense fees and funeral expenses. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these limits are identical to your policy’s liability coverage.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as theft, vandalism, a broken windshield, rock chips in glass and falling objects. The maximum amount your car insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage

This covers damage to your CC resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like backing into a parked car, rolling your car, colliding with another moving vehicle, colliding with a tree and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for short-term medical expenses such as nursing services, doctor visits, dental work and hospital visits. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Coverage on a shoestring budget

As you restructure your insurance plan, never buy poor coverage just to save money. There have been many situations where someone dropped liability coverage limits to discover at claim time that the small savings ended up costing them much more. Your goal should be to buy the best coverage you can find at an affordable rate.

We just presented some good ideas how to save on 2012 Volkswagen CC insurance. The key concept to understand is the more times you quote, the higher the chance of saving money. Drivers may discover the biggest savings come from a smaller regional carrier.

Drivers who switch companies do it for many reasons like policy cancellation, delays in paying claims, policy non-renewal and high prices. Regardless of your reason for switching companies, finding the right car insurance provider is not as difficult as it may seem.

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