Compare Car Insurance Rates for a Volkswagen Passat CC

Compare Car Insurance Rates for a Volkswagen Passat CC

No one gets a kick out of paying for car insurance, in particular when the prices are way too high. Companies like State Farm and GEICO all claim big savings with advertising and consumers find it hard to separate fact from fiction and find the best price available.

These discounts can lower car insurance rates

Some providers don’t list all possible discounts very well, so the following is a list of a few of the more common as well as some of the hidden discounts that may be available.

  • Senior Citizen Rates – Mature drivers can get a slight reduction on a on Passat CC insurance.
  • Student Discount for Driver Training – Teen drivers should enroll in driver’s education if it’s offered in school.
  • Organization Discounts – Affiliation with qualifying clubs or civic groups can get you a small discount on your policy.
  • Passenger Safety Discount – Options like air bags may qualify for discounts of 25 to 30%.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle up before driving can save a little on the medical payments or PIP coverage costs.
  • Pay Early and Save – If you pay your bill all at once rather than paying monthly you may have a lower total premium amount.
  • Telematics Data Discounts – Policyholders that allow their insurance company to look at their driving habits by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot might see lower rates if they show good driving skills.
  • Multi-policy Discount – If you combine your auto and home policies and place coverage with the same company you could save up to 20% off your total premium.
  • Multiple Vehicles – Drivers who insure multiple vehicles on one policy may reduce the rate for each vehicle.

As is typical with insurance, some of the credits will not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like it’s possible to get free car insurance, companies don’t profit that way.

Popular car insurance companies and a summarized list of policyholder discounts can be read below.

  • State Farm has discounts for Steer Clear safe driver discount, student away at school, accident-free, good student, safe vehicle, and Drive Safe & Save.
  • GEICO offers discounts for multi-policy, driver training, good student, emergency military deployment, and daytime running lights.
  • SAFECO policyholders can earn discounts including teen safe driver, anti-lock brakes, anti-theft, multi-car, teen safety rewards, accident prevention training, and homeowner.
  • Farmers Insurance discounts include business and professional, good student, alternative fuel, pay in full, homeowner, and multi-car.
  • AAA offers discounts including good driver, anti-theft, education and occupation, good student, pay-in-full, multi-car, and AAA membership discount.
  • USAA has savings for vehicle storage, multi-policy, multi-vehicle, military installation, safe driver, and family discount.

If you are trying to find , ask each company or agent how many discounts you can get. Depending on the company, some discounts might not apply in every state. For a list of companies with discount rates, click here.

The easiest way to compare car insurance rates is to know the fact most insurance companies participate in a system to provide you with a free rate quote. All consumers are required to do is provide information including if your license is active, any included safety features, marital status, and the make and model of your vehicles. That rating data is automatically sent to multiple different insurance companies and you get price estimates quickly.

To check Volkswagen Passat CC insurance prices now, click here and find out if you can get cheaper insurance.

Smart Consumers Can Lower Insurance Rates

Lots of things are used when pricing auto insurance. Some factors are common sense such as your driving record, but some are less apparent like your vehicle usage or how financially stable you are. It’s important that you understand some of the elements that go into determining your premiums. If you understand what influences your rates, this allows you to make educated decisions that can help you get lower premium levels.<img class="alignright" style="padding-top:15px" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/ci175-64.jpg" alt=" insurance quotes” />

  • Liability insurance is cheap – Your car insurance policy’s liability coverage is the protection if a court rules you are at fault for damages from an accident. Your policy’s liability insurance provides legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should carry high limits.
  • Teen vs. older drivers – More experienced drivers are shown to be more cautious, tend to cause fewer accidents and receive fewer citations.Teenage drivers are known to be careless and easily distracted with other occupants in the car so they pay higher car insurance rates.
  • Continuous car insurance coverage saves money – Driving with no insurance is a big no-no and as a result your rates will increase for letting your insurance lapse for non-payment. Not only will you pay more, getting caught without coverage might get you a steep fine or even jail time.
  • Premiums are affected by your credit score – Having a good credit rating can be a huge factor in determining what you pay for car insurance. So if your credit leaves room for improvement, you may save money insuring your Volkswagen Passat CC by improving your credit score. Insureds with high credit ratings tend to be better risks to insure than drivers with lower credit ratings.

Do I need an agent?

Many drivers just prefer to sit down with an agent and doing so can bring peace of mind Professional insurance agents are trained to spot inefficiencies and help you file claims. An additional benefit of price shopping on the web is you can get cheap car insurance rates and still have an agent to talk to.

To make it easy to find an agent, after completing this form (opens in new window), the coverage information is transmitted to insurance agents who will give you bids for your coverage. It’s much easier because you don’t need to search for an agent because quoted prices will be sent immediately to you. In the event you want to quote rates from a specific company, you just need to jump over to their website and fill out the quote form the provide.

Choosing an provider shouldn’t rely on just a low price. The answers to these questions are important, too.

  • Does the agency have a good rating with the Better Business Bureau?
  • Will you work with the agent or an assistant?
  • How many companies do they write for?
  • Do they make recommendations based only on price?
  • Is insurance their full-time profession?
  • Can you choose the body shop in case repairs are needed?
  • How long has their agency been open?
  • Can glass repairs be made at your home?

The type of auto insurance agent you choose is important

If you’re trying to find local agents, you should know the different agency structures and how they are slightly different. Agencies can be categorized as either captive agents or independent agents. Either one can sell and service car insurance coverage, but it’s important to know how they differ because it may have an impact on your agent selection.

Captive Insurance Agents

Captive agents generally can only insure with one company such as AAA, Allstate, State Farm, or Farmers Insurance. They are unable to give you multiple price quotes so they really need to provide good service. Captive insurance agents are trained well on their company’s products and that enables them to sell even at higher rates.

Independent Agencies or Brokers

Independent insurance agents are not required to write business for one company and that gives them the ability to insure with a variety of different insurance companies and find you cheaper rates. If you want to switch companies, an independent agent can move your coverage and you don’t have to do anything. If you need lower rates, it’s recommended you compare quotes from several independent insurance agents so that you have a good selection of quotes to compare.

To view insurance agencies in your area, view this full listing of insurance agents.

After getting positive feedback to these questions and a low price estimate, most likely you have located an auto insurance agent that is a good match to adequately provide car insurance.

Can you really save if you switch?

Drivers can’t avoid all the ads that promise big savings for switching from companies such as State Farm, GEICO and Progressive. They all seem to make the same claim that you’ll save big just by switching your policy.

It sounds good, but how can they all give you a lower rate? It’s all in the numbers.

All the different companies have specific criteria for the type of insured that will generate a profit. An example of a profitable risk profile might be described as over the age of 40, has had continuous coverage, and drives a car with an anti-theft system. Any person who fits those characteristics will get the preferred auto insurance rates and will probably cut their rates if they switch.

Insureds who don’t meet the requirements may be forced to pay a higher rate with the end result being the customer not purchasing. The ads say “drivers who switch” not “everybody who quotes” save money. That is how companies can truthfully state the savings. That is why you really need to compare quotes as often as possible. Because you cannot predict with any certainty which company will give you lower prices than your current company.

More comparisons equals lower rates

Some insurance companies may not provide rate quotes online and these small insurance companies only sell through local independent agencies. Budget-conscious Volkswagen Passat CC insurance can be sourced on the web as well as from independent agents, and you need to price shop both to get a complete price analysis.

When you , it’s very important that you do not sacrifice coverage to reduce premiums. There are a lot of situations where an insured cut comprehensive coverage or liability limits and discovered at claim time they didn’t have enough coverage. Your aim should be to get the best coverage possible at a price you can afford.