How to Save on Volkswagen CC Insurance in Los Angeles

Are you doing reasearch to find more competitive Volkswagen CC insurance in Los Angeles? Trying to find low-cost insurance for a Volkswagen CC in California can normally be a lot of work, but you can learn these tips to make it easier.

There are both good and bad ways to compare insurance rates and you need to know the best way to compare rates for a Volkswagen and obtain the best price possible either online or from Los Angeles insurance agents.

We don’t have to point out that fact that auto insurance companies want to keep your business as long as possible. Drivers who shop around for cheaper price quotes will presumably buy a new policy because there are good odds of finding a more affordable policy. A recent study showed that drivers who made a habit of comparing rate quotes saved about $3,450 over four years compared to policyholders who never shopped for cheaper rates.

If finding the most affordable insurance is your objective, then learning about how to compare insurance can help make the process easier.

Comparing quotes for the most affordable protection in Los Angeles is simple if you know the tricks. If you already have coverage or are just looking to switch companies, use these techniques to cut your premiums and still have adequate protection. Drivers only need to know the proper methods to compare insurance rates from many different companies.

Companies offer money-saving discounts on Volkswagen CC insurance in Los Angeles

Some companies don’t list every discount very well, so here is a list a few of the more well known and also the more inconspicuous credits available to lower your premiums when you buy Los Angeles auto insurance online.

• Early Switch Discount – Some companies provide a discount for buying a policy prior to your current CC insurance policy expiration. It could save around 10% when you buy Los Angeles auto insurance online.
• Active Military Service – Being on active duty in the military could mean lower prices.
• No Accidents – Insureds who avoid accidents and claims can save substantially compared to policyholders that have many claims.
• Discount for Passive Restraints – Vehicles with factory air bags could see savings of 25 to 30%.
• Discounts for Good Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates than drivers with accidents.
• Paperwork-free – Some car insurance companies may give you up to $50 just for signing your application on your computer.
• Los Angeles Homeowners Pay Less – Owning a house in Los Angeles can earn you a little savings because it demonstrates responsibility.

One last thing about discounts, most discount credits are not given to the whole policy. Most cut individual premiums such as physical damage coverage or medical payments. Even though the math looks like it’s possible to get free car insurance, you aren’t that lucky.

The chart below shows the difference between Volkswagen CC insurance costs with and without discounts applied to the rates. Data assumes a male driver, no claims or driving citations, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, marriage, multi-policy, multi-car, and claim-free discounts applied.

A few companies that may offer these benefits include:

• Farm Bureau
• MetLife
• Progressive
• AAA
• American Family
• GEICO
• State Farm

Double check with every prospective company how many discounts you can get. Discounts may not be offered in Los Angeles. To view providers who offer cheap Volkswagen CC insurance quotes in California, click this link.

Getting more affordable car insurance pricing is a great way to save money. The only requirement is to spend a little time comparing rates from different insurance companies.

The following companies can provide price quotes in Los Angeles, CA. If multiple companies are shown, we suggest you visit two to three different companies to get the most affordable price.

Volkswagen CC detailed coverage information

The table shown below highlights different insurance costs for Volkswagen CC models. Being able to understand how insurance prices are formulated can assist in making smart choices when buying a policy.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Premium costs do not factor in specific location which can modify auto insurance rates considerably.

Physical damage deductibles: Should you raise them?

A question often asked by Los Angeles drivers is which deductibles should you choose. The data tables below illustrate the rate difference between high and low coverage deductibles. The first price estimate table uses a $100 deductible for comp and collision and the second price table uses a $1,000 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Estimates do not factor in specific location which can impact coverage rates greatly.

Based on this data, using a $100 deductible will cost you about $54 more each month or $648 annually than selecting the higher $1,000 deductible. Because you would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you normally average at least 17 months between claim filings, you would more than likely save some money by going with a higher deductible.

The diagram below shows how choosing a deductible and can change Volkswagen CC insurance rates for each different age group. The data assumes a married male driver, full physical damage coverage, and no discounts are applied.

Cautious drivers save money

The example below highlights how speeding tickets and accidents increase Volkswagen CC annual premium costs for different ages of insureds. The rate quotes are based on a single female driver, comp and collision included, $100 deductibles, and no discounts are applied.

Full coverage versus liability only rates

The example below shows the difference between Volkswagen CC auto insurance costs with full physical damage coverage and with liability coverage only. The premiums are based on no violations or accidents, $100 deductibles, marital status is single, and no additional discounts are factored in.

When to stop paying for full coverage

There is no specific rule to delete physical damage coverage on your policy, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than about 10% of any settlement you would receive from your insurance company, then it’s probably a good time to buy liability coverage only.

For example, let’s say your Volkswagen CC claim settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company would pay you is $8,000 after paying your deductible. If premiums are more than $800 a year for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.

There are a few cases where only buying liability is not advised. If you haven’t satisfied your loan, you have to carry full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should not remove full coverage.

Insurance is available from local insurance agents

Many drivers still like to have an agent’s advice. Good agents can make sure you are properly covered and help in the event of a claim. One of the benefits of comparing insurance online is that drivers can save money and get cheap insurance rates and also buy local. And supporting local insurance agents is especially important in Los Angeles.

Once you complete this short form, the coverage information is transmitted to local insurance agents who will gladly provide quotes for your insurance coverage. It’s much easier because you don’t need to find an agent since price quotes are sent instantly to you. If you have a need to quote rates from a specific insurance provider, you just need to jump over to their website and fill out their quote form.

Independent or Exclusive: It’s your choice

When looking for an insurance agent, it’s important to understand the different types of agents and how they work. Agents may be either independent agents or exclusive agents. Both write insurance policies, but we need to point out the subtle differences since it can impact the selection process.

Independent Insurance Agencies or Brokers

These agents are not locked into one company and that is an advantage because they can write policies through many companies and find the cheapest rate. To move your coverage to a new company, they simply move the coverage in-house and you don’t have to do anything. When comparing rate quotes, you will definitely want to include a few independent agents for the best price selection. A lot of them also have access to smaller regional carriers which can save you money.

The following is a small list of independent insurance agencies in Los Angeles that can give you free rate quotes.

• JSB Insurance Services, Inc.
  1801 S La Cienega Blvd Ste 201 – Los Angeles, CA 90035 – (310) 402-0020 – View Map
• STARC INSURANCE AGENCY,INC
  5250 W Century Blvd #426 – Los Angeles, CA 90045 – (888) 400-4004 – View Map
• True Rate Insurance
  2820 S Vermont Ave #1 – Los Angeles, CA 90007 – (323) 735-1600 – View Map

More insurance agents

Exclusive Insurance Agents

Agents that choose to be exclusive can usually just insure with one company and some examples include Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents cannot provide prices from multiple companies so you need to shop around if the rates are high. Exclusive insurance agents are highly trained on their products and sales techniques and that enables them to sell even at higher rates. Some insured continue to buy insurance from these agents partially due to the brand legacy and the convenience of having all coverages with one company.

Listed below is a list of exclusive agencies in Los Angeles that are able to give rate quotes.

• Allstate Insurance: Carmina San Jose
  628 N Vermont Ave Ste 12 – Los Angeles, CA 90004 – (213) 383-5120 – View Map
• Karla Greene – State Farm Insurance Agent
  611 Wilshire Blvd #911 – Los Angeles, CA 90017 – (213) 239-9675 – View Map
• Leisha Willis – State Farm Insurance Agent
  500 N Larchmont Blvd – Los Angeles, CA 90004 – (323) 785-4080 – View Map

More insurance agents

Finding the right car insurance agent is decision based upon more than just a cheap price quote. Any agent in Los Angeles should be willing to answer these questions.

• Is the quote a firm price?
• What is the financial rating for the quoted company?
• How long have they worked with personal auto insurance coverage?
• How long has the business existed?
• Are there any extra charges for paying monthly?
• What is the agency’s Better Business Bureau rating?
• Do the coverages you’re quoting properly cover your vehicle?

Three main reasons to buy auto insurance

Even though it can be expensive, paying for auto insurance is required in California but also provides important benefits.

• Most states have mandatory liability insurance requirements which means the state requires specific limits of liability coverage if you want to drive legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If you have a loan on your CC, most banks will make it mandatory that you carry insurance to ensure loan repayment if the vehicle is totaled. If you cancel or allow the policy to lapse, the bank will be required to insure your Volkswagen at a much higher rate and force you to reimburse them much more than you were paying before.
• Insurance protects both your Volkswagen and your assets. It also can pay for medical expenses for not only you but also any passengers injured in an accident. As part of your policy, liability insurance also covers legal expenses if anyone sues you for causing an accident. If mother nature or an accident damages your car, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.

The benefits of insuring your car greatly outweigh the cost, especially with large liability claims. Despite what companies tell you, the average driver overpays more than $820 a year so you should quote your policy with other companies every year to save money.

Auto insurance 101

Understanding the coverages of insurance helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits (15/30/5 in California), it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Usually the UM/UIM limits do not exceed the liability coverage limits.

Liability insurance

This provides protection from damages or injuries you inflict on other’s property or people. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 15/30/5 which means $15,000 bodily injury coverage, $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 limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as court costs, loss of income and pain and suffering. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible. California state law requires minimum liability limits of 15/30/5 but drivers should carry higher limits.

The illustration below demonstrates why the minimum limit may not be enough.

Comprehensive insurance

This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as a broken windshield, a tree branch falling on your vehicle and damage from flooding. The highest amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision insurance will pay to fix damage to your CC caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like colliding with another moving vehicle, sideswiping another vehicle, crashing into a building, crashing into a ditch and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible on your CC to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like prosthetic devices, pain medications, surgery and doctor visits. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

A little work can save a LOT of money

Insureds switch companies for many reasons like not issuing a premium refund, poor customer service, lack of trust in their agent and even delays in paying claims. Whatever your reason, finding a great new company can be easy and end up saving you some money.

Some insurance companies don’t offer internet price quotes and these small insurance companies only sell through independent insurance agents. Low-cost Volkswagen CC insurance in Los Angeles can be found both online as well as from independent agents in Los Angeles, so compare prices from both in order to have the best chance of saving money.

When searching for affordable Volkswagen CC insurance quotes, it’s very important that you do not buy poor coverage just to save money. In too many instances, an insured dropped collision coverage and discovered at claim time that they should have had better coverage. Your goal is to buy the best coverage you can find at the best price, but do not skimp to save money.

Additional detailed information can be found by following these links:

• Crash Avoidance Technologies FAQ (iihs.org)
• How Much is Los Angeles Auto Insurance for a Ford F-150? (FAQ)
• Who Has the Cheapest Auto Insurance for Low Mileage Drivers in Los Angeles? (FAQ)
• Who Has Affordable Auto Insurance for a Chevrolet Silverado in Los Angeles? (FAQ)
• Understanding your Policy (NAIC.org)
• Senior Drivers (Insurance Information Institute)