Cheap San Jose Volkswagen CC Insurance

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Discount Volkswagen CC insuranceIf saving the most money is your goal, then the best way to find the cheapest price for car insurance rates is to start comparing rates regularly from companies in San Jose. You can compare prices by following these steps.

  • First, learn about how auto insurance works and the factors you can control to prevent high rates. Many things that drive up the price such as getting speeding tickets and an unfavorable credit rating can be rectified by being financially responsible and driving safely. Continue reading for information to find cheap prices and find additional discounts you may qualify for.
  • Second, quote rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only quote rates from one company like GEICO or Farmers Insurance, while independent agencies can provide rate quotes for a wide range of insurance providers.
  • Third, compare the quotes to your current policy premium and determine if cheaper CC coverage is available. If you find a better price, make sure there is no lapse in coverage.
  • Fourth, provide adequate notice to your current company to cancel your current policy. Submit payment and a signed application to the new insurer. As soon as you receive it, store the certificate verifying proof of insurance along with the vehicle's registration papers.

A crucial key to this process is to use identical coverage information on each quote request and and to get price estimates from as many car insurance companies as possible. This helps ensure the most accurate price comparison and the most accurate and complete price analysis.

Unthinkable but true, the vast majority of consumers have stayed with the same insurance company for well over three years, and almost 40% of drivers have never shopped around. Consumers in California could cut their rates by approximately 35% a year by just comparing quotes, but they won't spend time to shop around.

If you have insurance now, you will definitely be able to save money using the ideas you're about to read. Locating the best rates in San Jose is really quite easy. But California drivers can benefit by having an understanding of the way insurance companies sell insurance online because it can help you find the best coverage.

Rates and data analysis

The coverage table shown next covers a range of prices for Volkswagen CC models. Being aware of how policy rates are formulated can help customers make smart choices when comparing insurance quotes.

Volkswagen CC Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CC Sport 4-Dr Coupe $476 $996 $596 $36 $178 $2,282 $190
CC Luxury 4-Dr Coupe $476 $996 $596 $36 $178 $2,282 $190
CC VR6 Sport 4-Dr Coupe $530 $1146 $596 $36 $178 $2,486 $207
CC VR6 Motion 4-Dr Coupe $530 $1146 $596 $36 $178 $2,486 $207
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Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Price estimates do not factor in zip code location which can alter auto insurance rates greatly.

Choosing deductibles

When buying auto insurance, a common question is where should you set your physical damage deductibles. The premium rates below help summarize the differences in price when you choose different physical damage deductibles. The first rate comparisons uses a $100 deductible for comprehensive and collision coverage and the second set of prices uses a $1,000 deductible.

Volkswagen CC insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CC Sport 4-Dr Coupe $430 $810 $442 $26 $132 $1,865 $155
CC Luxury 4-Dr Coupe $430 $810 $442 $26 $132 $1,865 $155
CC VR6 Sport 4-Dr Coupe $478 $932 $442 $26 $132 $2,035 $170
CC VR6 Motion 4-Dr Coupe $478 $932 $442 $26 $132 $2,035 $170
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Volkswagen CC insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CC Sport 4-Dr Coupe $238 $426 $442 $26 $132 $1,264 $105
CC Luxury 4-Dr Coupe $238 $426 $442 $26 $132 $1,264 $105
CC VR6 Sport 4-Dr Coupe $266 $490 $442 $26 $132 $1,356 $113
CC VR6 Motion 4-Dr Coupe $266 $490 $442 $26 $132 $1,356 $113
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Premium amounts do not factor in vehicle location which can influence premiums considerably.

Based on the data above, we can derive that using a $100 deductible costs approximately $54 more each month or $648 a year than buying the higher $1,000 deductible. Since you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you normally average more than 17 months between claim filings, you would probably come out ahead if you decide on a higher deductible.

Yearly auto insurance costs for men versus women

The diagram below illustrates the comparison of Volkswagen CC insurance premiums for male and female drivers. The rate quotes are based on no accidents or driving violations, comp and collision included, $100 deductibles, drivers are not married, and no discounts are applied.

Volkswagen CC liability-only versus full coverage

The example below compares Volkswagen CC premium costs with liability coverage only compared to full coverage. The premiums are based on no claims or violations, $100 deductibles, drivers are not married, and no additional discounts are factored in.

When to drop comp and collision

There is no clear-cut rule of when to stop paying for comp and collision coverage, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than around 10% of the vehicle's replacement cost less your deductible, then it's probably a good time to buy liability coverage only.

For example, let's pretend your Volkswagen CC claim settlement value is $4,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $3,000 after you pay the deductible. If premiums are more than $300 a year for full coverage, then it may be the right time to buy liability only.

There are some scenarios where removing full coverage is not advised. If you haven't satisfied your loan, you have to maintain full coverage to protect the lienholder's interest. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not consider dropping full coverage.

Affordable Volkswagen CC insurance in San Jose

Car insurance is not cheap nor is it fun to buy but you may qualify for discounts that many people don't even know exist. A few discounts will automatically apply at the time of quoting, but some must be specially asked for prior to receiving the credit. If they aren't giving you every credit possible, you're just leaving money on the table.Cheaper car insurance with discounts

  • Active Service Discounts - Having a deployed family member may lower your car insurance rates slightly.
  • ABS Braking Discount - Cars and trucks that have anti-lock braking systems are safer to drive and the ABS can save up to 10%.
  • Multi-policy Discount - When you have multiple policies with one insurance company you could save up to 20% and get you the cheapest Volkswagen CC insurance in San Jose.
  • Pay Early and Save - By paying your entire bill at once instead of paying each month you could save up to 5%.
  • Accident-Free Discounts - San Jose drivers who stay claim-free get the best car insurance rates in comparison to policyholders that have many claims.
  • Drive Safe and Save - Insureds who avoid accidents can save as much as half off their rates than drivers with accident claims.
  • Discounts for Government Workers - Being employed by or retired from a federal job could provide a small rate reduction depending on your company.

Drivers should understand that many deductions do not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like comp or med pay. So when it seems like adding up those discounts means a free policy, that's just not realistic. But any discount will cut your overall bill.

The illustration below illustrates the difference between Volkswagen CC annual premium costs with and without discounts being applied to the rates. Data assumes a female driver, no claims or violations, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, multi-car, claim-free, safe-driver, and homeowner discounts applied.

If you would like to choose from a list of insurers who offer free Volkswagen CC insurance quotes in California, click here to view.

What car insurance coverages do you need?

Understanding the coverages of car insurance can be of help when determining which coverages you need for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring. Shown next are typical coverages found on the average car insurance policy.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as surgery, pain medications and hospital visits. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Collision coverage protection

This coverage pays for damage to your CC caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like backing into a parked car, damaging your car on a curb, colliding with another moving vehicle, crashing into a building and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible on your CC to save money on collision insurance.

Liability insurance

This can cover injuries or damage you cause to other's property or people in an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 15/30/5 which stand for a limit of $15,000 per injured person, $30,000 for the entire accident, and $5,000 of coverage for damaged property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims like medical expenses, emergency aid, pain and suffering, bail bonds and medical services. How much liability should you purchase? That is up to you, but it's cheap coverage so purchase higher limits if possible. California requires drivers to carry at least 15/30/5 but it's recommended drivers buy higher limits.

The illustration below demonstrates why buying minimum limits may not be enough.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your Volkswagen CC.

Because many people only purchase the least amount of liability that is required (15/30/5 in California), it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these limits are set the same as your liability limits.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hail damage, fire damage, theft, hitting a deer and rock chips in glass. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle's value is low consider dropping full coverage.

Find affordable rates by being thorough

We just covered a lot of ways to compare Volkswagen CC insurance rates in San Jose. The most important thing to understand is the more you quote San Jose auto insurance, the better chance you'll have of finding inexpensive San Jose auto insurance quotes. You may even discover the most savings is with a small mutual company. These smaller insurers may have significantly lower car insurance rates on certain market segments compared to the large companies like State Farm and Allstate.

As you go through the steps to switch your coverage, it's very important that you do not buy poor coverage just to save money. Too many times, drivers have reduced uninsured motorist or liability limits and discovered at claim time they didn't have enough coverage. The proper strategy is to purchase plenty of coverage at the best price while not skimping on critical coverages.

More information is available at the links below