Compare Volkswagen CC Insurance Rate Quotes in Raleigh

Sadly, most car insurance policyholders in North Carolina have stayed with the same insurance company for over three years, and practically 40% of car insurance customers have never compared quotes from other companies. American consumers can save nearly 46.5% each year by just shopping around, but they just assume it takes a lot of time to compare rates and save money.

The easiest way to find low-cost auto insurance rates in Raleigh is to do a yearly price comparison from insurers that insure vehicles in North Carolina. You can compare rates by following these guidelines.

Step 1: Learn about what coverages are included in your policy and the modifications you can make to keep rates in check. Many things that cause rate increases like getting speeding tickets and your credit history can be improved by making minor driving habit or lifestyle changes. Later in this article we will cover additional tips to keep prices down and get discounts that may be overlooked.

Step 2: Get rate quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from a single company like Progressive and State Farm, while agents who are independent can quote prices for a wide range of companies.

Step 3: Compare the quotes to your current policy premium to see if switching to a new carrier will save money. If you can save some money and switch companies, make sure there is no coverage gap between policies.

Step 4: Give proper notification to your current agent or company of your intent to cancel your existing policy and submit a down payment along with a signed application to your new insurance company. Don’t forget to place your new proof of insurance certificate somewhere easily accessible.

The key thing to remember is that you’ll want to make sure you compare similar limits and deductibles on each price quote and and to get quotes from as many companies as you can. This enables a fair price comparison and a complete price analysis.

If you are already insured, you will most likely be able to reduce the price you pay using the ideas you’re about to read. Buying the cheapest car insurance in Raleigh can really be easy if you know what you’re doing. Although North Carolina consumers need to have an understanding of the way companies price insurance differently and use it to find better rates.

Best Volkswagen CC insurance price quotes in North Carolina

The companies shown below provide free rate quotes in Raleigh, NC. To buy cheap auto insurance in North Carolina, we suggest you visit several of them to get the best price comparison.

Insurance rate breakdown

The price information below outlines estimates of coverage costs for Volkswagen CC models. Having insight into how auto insurance prices are established is important for drivers to make decisions on which insurance to purchase.

Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Information does not factor in Raleigh location which can change coverage rates substantially.

Where to set your deductibles

One frequently asked question is how high should the physical damage deductibles be. The rates below illustrate the cost difference when you choose different insurance deductibles. The first rate estimation uses a $100 deductible for comp and collision and the second price grid uses a $500 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Rates do not factor in specific zip code location which can impact prices significantly.

Based on these figures, using a $100 deductible costs about $20 more each month or $240 annually than buying the higher $500 deductible. Since the policyholder would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at least 20 months between claims, you would more than likely save some money if you decide on a higher deductible. The numbers below show an example of how you can do this calculation yourself.

One important caveat is that a higher deductible level means you will have to pay more of your own money when you have a claim. You need to make sure you have some savings in the bank in order to pay the deductible to have repairs made.

Full coverage or liability only

The chart below shows the difference between Volkswagen CC insurance prices with liability coverage only compared to full coverage. The information is based on no claims or driving citations, $250 deductibles, marital status is single, and no additional discounts are factored in.

Deciding between full coverage and liability only

There is no exact rule for dropping physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of coverage is more than around 10% of replacement cost minus your deductible, then you may want to consider only buying liability coverage.

For example, let’s pretend your Volkswagen CC settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $7,000 after the deductible is paid. If you are paying more than $700 a year for full coverage, then it could be time to drop full coverage.

There are some scenarios where dropping full coverage is not recommended. If you haven’t satisfied your loan, you are required to maintain full coverage to protect the lienholder’s interest. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not eliminate full coverage.

Get cheaper Volkswagen CC insurance in Raleigh with discounts

Companies that sell car insurance don’t always publicize every discount in a way that’s easy to find, so the following is a list of both the well known and the more hidden insurance savings. If you are not receiving all the discounts you deserve, you are throwing money away.

• Government Employees – Federal government employees could cut as much as 10% off depending on your company.
• Telematics Devices – Drivers who elect to allow their insurance company to study their driving habits by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks if they show good driving skills.
• Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
• Multiple Vehicles – Insuring multiple vehicles with the same insurance company could earn a price break for each car.
• Discount for New Cars – Insuring a new CC can be considerably cheaper because newer vehicles have to meet stringent safety requirements.
• Switch and Save Discount – Some companies reward drivers for buying a policy before your current coverage expires. This discount can save up to 10%.
• Theft Deterrent – Anti-theft and alarm system equipped vehicles are stolen less frequently and that can save you a little bit as well.
• Senior Citizen Discount – Mature drivers can possibly qualify for a discount up to 10%.
• Club Memberships – Participating in qualifying clubs or civic groups is a simple method to lower premiums on your next renewal.

You can save money using discounts, but some credits don’t apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Even though it may seem like adding up those discounts means a free policy, insurance companies aren’t that generous.

The example below compares Volkswagen CC auto insurance costs with and without some available policy discounts. The prices are based on a female driver, no claims or driving citations, North Carolina state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, claim-free, multi-policy, safe-driver, and homeowner discounts applied.

Car insurance companies that may offer quotes with some of the above discounts are:

• Progressive
• SAFECO
• American Family
• MetLife
• GEICO
• The Hartford

When getting a coverage quote, ask every insurance company what discounts are available to you. Some discounts listed above might not be available to policyholders in your state. To view providers who offer insurance discounts in North Carolina, click here to view.

Local Raleigh car insurance agents

Many people just want to buy from a local agent and that is OK! An additional benefit of getting free rate quotes online is that you can obtain lower prices and also buy local.

To find an agent, once you fill out this simple form, your insurance coverage information is instantly submitted to local insurance agents in Raleigh who will give you bids for your insurance coverage. You don’t have to drive around since price quotes are sent to you. You can find lower rates without the usual hassles of price shopping. If you want to quote rates from a particular provider, just search and find their rate quote page and submit a quote form there.

Picking the best insurance company requires you to look at more than just a cheap quote. These are some questions you should get answers to.

• Can you choose the body shop in case repairs are needed?
• Are they primarily personal or commercial lines agents in Raleigh?
• Are there any extra charges for paying monthly?
• Do they see any coverage gaps in your plan?
• Are they involved in claim handling?
• Do they carry Errors and Omissions coverage?
• Are they full-time agents?
• Do they prorate repair cost based on vehicle mileage?

The type of car insurance agent you choose is important

If you want to buy insurance from a local Raleigh insurance agent, you need to know there are two different types of agents that differ in how they can insure your vehicles. Insurance agencies are classified as either independent agents or exclusive agents depending on their employer.

Exclusive Insurance Agents

Agents of this type have only one company to place business with like Farmers Insurance, State Farm, Allstate, and AAA. These agents are not able to provide other company’s prices so you need to shop around if the rates are high. They are trained well on their company’s products and that allows them to sell at a higher price point.

Shown below are exclusive insurance agents in Raleigh who can help you get rate quotes.

View more agents

Independent Agencies or Brokers

Agents that elect to be independent do not write with just one company and that allows them to write policies through lots of different companies and get you the best rates possible. If prices rise, they can switch companies in-house and you won’t have to switch agencies.

When comparison shopping, you absolutely need to compare quotes from at least one independent agent to maximize your price options.

Shown below is a short list of independent agents in Raleigh willing to provide rate quotes.

View more agents

If you feel you receive positive responses to any questions you have in addition to an acceptable price estimate, chances are good that you have found an insurance agent that can be relied on to insure your vehicles. It’s important to know that it’s your coverage and you can cancel a policy at any point so never feel you are locked into a specific company for the entire policy term.

Compare. Compare. Compare.

Cheaper car insurance in Raleigh can be purchased on the web and from local agencies, and you should be comparing both to get a complete price analysis. Some insurance companies may not offer the ability to get quotes online and many times these regional carriers only sell coverage through independent agents.

You just learned a lot of tips how to shop for Volkswagen CC insurance online. The key concept to understand is the more rate quotes you have, the better your chances of lowering your premium rates. Drivers may even discover the best price on car insurance is with the least-expected company. They may only write in your state and offer lower premium rates as compared to the big name companies such as State Farm or Progressive.

When trying to cut insurance costs, it’s a bad idea to buy poor coverage just to save money. Too many times, an accident victim reduced liability coverage limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. The goal is to buy a smart amount of coverage at the lowest possible cost but still have enough coverage for asset protection.

Much more information about car insurance in North Carolina is available at these links:

• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Who Has the Cheapest Raleigh Auto Insurance Rates for Teachers? (FAQ)
• How Much are Auto Insurance Rates for 17 Year Olds in Raleigh? (FAQ)
• Who Has Affordable Auto Insurance for College Students in Raleigh? (FAQ)
• Who Has Cheap Auto Insurance Rates for Active Military in Raleigh? (FAQ)
• Insurance losses by make and model (Insurance Institute for Highway Safety)
• Eight Auto Insurance Myths (Insurance Information Institute)
• How do I File a Claim? (Insurance Information Institute)