Save Money on Volkswagen CC Insurance in Seattle

Do you want to save money by finding more competitive Volkswagen CC insurance in Seattle? Did you fall for a flashy sales pitch and buy an expensive auto insurance policy? You’re in good company because there are many people just like you.

Amazlingly, a recent NerdWallet.com study showed that the vast majority of consumers in Washington have stayed with the same insurance company for at least the last four years, and almost 40% of drivers have never compared rates from other carriers. Consumers in the United States could save themselves almost $850 a year just by comparing rates, but most undervalue how much savings they would realize if they moved their coverage to a different company.

People have multiple car insurance companies to choose from, and even though it’s nice to have multiple companies, lots of choices makes it harder to locate the cheapest rates for Volkswagen CC insurance in Seattle.

Shopping for the best car insurance coverage in Seattle is not that difficult. In essence, each driver who shops around for car insurance will find a lower price. Although Washington consumers can benefit from knowing how the larger insurance companies determine prices.

When looking for the cheapest Volkswagen CC rate quotes, there are a couple ways to compare rate quotes from local Seattle auto insurance companies. The easiest way by far to lower the rate you pay for Volkswagen CC insurance is to perform an online rate comparison.

Comparing quotes online is fast and free, and it makes it obsolete to waste gas driving to local Seattle insurance agencies. Shopping for auto insurance online makes this process obsolete unless you have a need for the personal advice of a local agency. It is possible to get prices online but buy from a local insurance agent.

When comparing auto insurance rates, know that quoting more helps improve the odds of finding more affordable rates. Some companies don’t provide price estimates online, so it’s important to also get quotes on coverage from those companies, too.

The providers in the list below offer price comparisons in Washington. If multiple companies are listed, we suggest you click on several of them in order to get a fair rate comparison.

Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Prices do not factor in specific location which can affect rates considerably.

Car insurance rates are higher with tickets and accidents

The diagram below illustrates how speeding tickets and at-fault claims can increase Volkswagen CC auto insurance rates for different categories of driver ages. The information is based on a single male driver, full coverage, $1,000 deductibles, and no discounts are applied.

Analysis of deductible levels

One of the hardest decisions when shopping for car insurance is what deductibles to buy. The premium rates below determine the costs and benefits when you select higher and lower physical damage deductibles. The first price estimate table uses a $250 comprehensive and collision deductible and the second set of rates uses a $500 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Information does not factor in vehicle location which can affect premiums noticeably.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you approximately $14 more each month or $168 for a full year than buying the higher $500 deductible. Because you would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to average at a minimum 18 months between claim filings, you would probably save some money by going with a higher deductible.

Auto insurance is an important decision

Despite the potentially high cost of Volkswagen CC insurance, insuring your vehicle is mandatory in Washington but it also protects more than you think.

First, the majority of states have minimum mandated liability insurance limits which means you are required to carry specific limits of liability if you don’t want to risk a ticket. In Washington these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you have a lien on your car, it’s most likely the lender will force you to buy insurance to guarantee payment of the loan. If the policy lapses, the lender may have to buy a policy to insure your Volkswagen at a more expensive rate and force you to reimburse them much more than you were paying before.

Third, auto insurance protects your Volkswagen and your assets. Insurance will also pay for medical transport and hospital expenses for yourself as well as anyone injured by you. Liability coverage also pays expenses related to your legal defense if you are named as a defendant in an auto accident. If your vehicle suffers damage from an accident or hail, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.

The benefits of buying enough insurance definitely exceed the cost, particularly if you ever have a claim. According to a 2015 survey, the average American driver is overpaying over $850 per year so smart consumers compare quotes once a year at a minimum to save money.

Smart Consumers Can Cut Their Insurance Costs

Lots of things are part of the calculation when you quote your car insurance policy. Some are obvious like an MVR report, but other factors are less apparent such as whether you are married or your vehicle rating. When buying auto insurance it’s important to understand the factors that help calculate auto insurance rates. When you understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that may result in much lower annual insurance costs.

The itemized list below are some of the items used by your company to calculate your premiums.

Do you save by driving less? – The more you drive in a year the higher the price you pay to insure it. A lot of companies calculate rates based upon how much you drive. Autos left parked in the garage receive better premium rates than vehicles that have high annual mileage. It’s a good idea to make sure your auto insurance coverage is showing how each vehicle is driven, because it can save money. Having an incorrect usage rating on your CC may be wasting your money.

Defend yourself with liability protection – The liability section of your policy is the protection if ever you are responsible for causing damage or personal injury in an accident. Your policy’s liability insurance provides legal defense coverage which can cost thousands of dollars. Liability is cheap as compared to coverage for physical damage, so drivers should carry high limits.

More traffic means higher claims – Residing in a small town can save you money if you are looking for the lowest rates. Fewer people means reduced accidents as well as less vandalism and auto theft. City drivers have to deal with more auto accidents and higher rates of accident claims. More time on the road statistically corresponds to a higher accident and claim rate.

Frequent policy claims will increase rates – If you file a lot of claims you should expect much higher rates or policy non-renewal. Car insurance companies in Washington give discounts to insureds who do not rely on their insurance for small claims. Auto insurance is intended to be relied upon for larger claims.

Married drivers pay less – Walking down the aisle may earn you lower rates on auto insurance. Having a significant other translates into being less irresponsible and insurance companies like that married drivers get in fewer accidents.

Loss probability for a Volkswagen CC – Insurers take into consideration historical loss data for every vehicle when determining insurance costs. Vehicles that the data shows to have higher loss trends will have higher premium rates. The data below shows the historical insurance loss data for Volkswagen CC vehicles.

For each policy coverage type, the claim amount for all vehicles, as a total average, equals 100. Values below 100 suggest a better than average loss history, while numbers shown that are more than 100 indicate higher probability of having a loss or a tendency for claims to be larger.

Don’t overlook these Volkswagen CC insurance discounts

Not many people think insurance is cheap, but there could be significant discounts that you may not even be aware of. Most are applied when you complete an application, but a few must be specially asked for before being credited.

• First Accident Forgiveness – This one is not really a discount per se, but a handful of insurance companies will allow you to have one accident before they charge you more for coverage if you are claim-free for a particular time prior to the accident.
• Safety Course Discount – Completing a driver safety class can save you 5% or more if your company offers it.
• Discounts for Responsible Drivers – Drivers who don’t get into accidents can save up to 40% or more on their Seattle car insurance quote than drivers with accidents.
• Drivers Ed for Students – Require your teen driver to enroll in driver’s education if offered at their school.
• Early Payment Discounts – If paying your policy premium upfront as opposed to paying monthly you can actually save on your bill.
• Membership in Organizations – Belonging to qualifying employment or professional organizations could earn you a nice discount when getting a Seattle car insurance quote.
• Active Service Discounts – Having an actively deployed family member may qualify for rate reductions.
• 55 and Retired – If you’re over the age of 55, you could receive a small decrease in premiums.
• Save with More Vehicles Insured – Drivers who insure multiple cars or trucks on the same insurance policy can get a discount on all vehicles.
• Good Student Discount – A discount for being a good student may save you up to 25%. Most companies allow this discount up to age 25.

Just know that most of the big mark downs will not be given to the entire cost. Most only cut the cost of specific coverages such as medical payments or collision. Even though the math looks like all those discounts means the company will pay you, it just doesn’t work that way. Any amount of discount should definitely cut your policy premium.

A partial list of companies that may offer policyholders some of the discounts shown above possibly include:

• State Farm
• Farmers Insurance
• GEICO
• American Family
• Nationwide
• Progressive

When getting a coverage quote, ask every prospective company how you can save money. Some discounts listed above might not apply in your state. To find companies with the best discounts in Seattle, click here.

Compare prices but buy from a local Seattle insurance agency

A lot of people still prefer to buy from a licensed agent and that is just fine! One of the benefits of comparing car insurance online is that you can obtain cheaper premium rates but still work with a licensed agent. Buying from and supporting small agencies is definitely important in Seattle.

After filling out this quick form, the quote information is emailed to local insurance agents who can give free rate quotes for your car insurance coverage. It simplifies rate comparisons since you won’t have to contact any agents due to the fact that quote results will go to the email address you provide. You can find the lowest rates without a big time investment. If you need to get a comparison quote for a specific company, you can always go to their quote page and give them your coverage information.

Insurance agent types

If you are searching for a reliable insurance agent, you need to know there are two types of insurance agents that you can choose from. Agents can be categorized as either independent (non-exclusive) or exclusive.

Independent Agencies or Brokers

These agents are appointed with more than one company and that gives them the ability to insure amongst many companies and find the cheapest rate. To move your coverage to a new company, they can switch companies in-house and you can keep the same agent. When searching for an agent, you absolutely need to include price quotes from a few independent agents for maximum quote selection.

Listed below is a partial list of independent insurance agencies in Seattle who can help you get competitive price quotes.

View more agents

Exclusive Car Insurance Agents

Exclusive insurance agents write business for a single company like State Farm or Allstate. These agents are unable to compare rates from other companies so if the price isn’t competitive there isn’t much they can do. These agents are trained well on sales techniques which helps them sell insurance even at higher premiums.

The following is a list of exclusive agents in Seattle who can help you get price quote information.

View more agents

Picking the best auto insurance agent should depend on more than just the quoted price. Below are some questions you should ask.

• How is replacement cost determined on your vehicle?
• Can you contact them at any time?
• Will their companies depreciate repairs to your car based on the mileage?
• Do you work with a CSR or direct with the agent?
• Is there any savings for paying the full premium?
• Is the quote a firm price?
• Does the company allow you to choose your own collision repair facility?

One last thing about your coverage

In this article, we presented some good ideas how you can shop for Volkswagen CC insurance online. The key thing to remember is the more companies you get premium rates for, the higher the chance of saving money. You may even discover the best price on insurance is with a small local company. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as State Farm or Progressive.

As you prepare to switch companies, you should never reduce coverage to reduce premium. In too many instances, an insured cut comprehensive coverage or liability limits only to regret that the savings was not a smart move. Your goal should be to purchase a proper amount of coverage at the best possible price, but do not sacrifice coverage to save money.

Budget-conscious Volkswagen CC insurance is attainable online and also from your neighborhood Seattle agents, so you should compare both in order to have the best chance of saving money. Some insurance providers do not provide price quotes online and most of the time these small, regional companies sell through independent agencies.

Additional detailed information can be read in these articles:

• New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
• What Car Insurance is Cheapest for a Toyota Highlander in Seattle? (FAQ)
• Who Has Affordable Seattle Car Insurance for a Nissan Versa? (FAQ)
• What Auto Insurance is Cheapest in Seattle, Washington? (FAQ)
• Auto Insurance Learning Center (State Farm)
• Auto Crash Statistics (Insurance Information Institute)
• Teen Driving Statistics (iihs.org)
• Event Data Recorders FAQ (iihs.org)