Volkswagen CC Insurance Quotes in Scottsdale

Surprisingly, a recent survey revealed that over 70% of drivers have purchased from the same company for at least four years, and nearly half have never compared rates from other carriers. Arizona drivers could save an average of $730 each year by just comparing quotes, but most tend to underestimate how much money they would save if they bought a different policy.

It takes a few minutes, but the best way to find discount car insurance rates is to start comparing prices yearly from companies who can sell car insurance in Scottsdale. You can shop around by completing these steps.

• Step 1: Read about coverages and the steps you can take to prevent high rates. Many rating criteria that cause rate increases like high-risk driving behaviors and a negative credit history can be amended by making small lifestyle or driving habit changes.
• Step 2: Obtain price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can provide rates from a single company like Progressive or Allstate, while independent agencies can provide price quotes for a wide range of insurance providers. Begin your rate comparison
• Step 3: Compare the new rate quotes to your existing coverage to determine if switching companies saves money. If you find a lower rate and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.

A key point to remember is to compare identical limits and deductibles on every quote and to quote with as many carriers as you can. This enables the most accurate price comparison and the best price selection.

When quoting car insurance, remember that comparing more quotes will increase your chances of finding the best offered rates. Some companies don’t provide Scottsdale CC insurance quotes over the internet, so it’s necessary to compare price estimates from those companies as well.

The providers in the list below offer free quotes in Scottsdale, AZ. To buy cheaper car insurance in AZ, it’s a good idea that you visit two to three different companies in order to find the lowest rates.

Auto insurance just makes sense

Despite the potentially high cost of Volkswagen CC insurance, auto insurance serves several important purposes.

• The majority of states have minimum mandated liability insurance limits which means state laws require specific minimum amounts of liability protection in order to drive the car legally. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you bought your CC with a loan, more than likely the lender will require you to carry insurance to ensure the loan is repaid in case of a total loss. If the policy lapses, the lender will be forced to insure your Volkswagen at a more expensive rate and require you to reimburse them for the expensive policy.
• Insurance safeguards both your assets and your car. Insurance will pay for most medical and hospital costs for both you and anyone you injure as the result of an accident. Liability insurance, one of your policy coverages, will also pay to defend you if anyone sues you for causing an accident. If you have damage to your Volkswagen as the result of the weather or an accident, your policy will cover the damage repairs after a deductible is paid.

The benefits of carrying enough insurance greatly outweigh the cost, especially for larger claims. An average driver in America is overpaying over $830 a year so it’s very important to do a rate comparison once a year at a minimum to save money.

Volkswagen CC detailed coverage information

The premium table displayed next highlights detailed analysis of insurance coverage prices for Volkswagen CC models. Having a better idea how rates are established can aid in making decisions on which insurance to purchase.

Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rate quotes do not factor in vehicle location which can decrease or increase price quotes significantly.

Analysis of deductible levels

The hardest decision when buying coverage is how high should the physical damage deductibles be. The tables below help summarize the rate difference of buying low and high deductibles. The first set of rates uses a $250 deductible for comp and collision and the second set of prices uses a $500 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Rate information does not factor in specific location information which can affect premiums substantially.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you roughly $15 more each month or $180 a year than choosing the higher $500 deductible. Since you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you usually have more than 17 months between claims, you would most likely save money by selecting a higher deductible.

Do you need full coverage?

The example below shows the difference between Volkswagen CC auto insurance costs with and without full coverage. Data assumes no claims or violations, $1,000 deductibles, marital status is single, and no discounts are applied.

When to stop paying for full coverage

There is no definitive guideline to stop buying full coverage, but there is a general guideline you can use. If the annual cost of coverage is 10% or more of the settlement you would receive from your company, then it could be time to drop full coverage.

For example, let’s assume your Volkswagen CC settlement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company will settle for is $7,000 after the deductible is paid. If premium cost is more than $700 annually for your policy with full coverage, then it’s probably a good time to buy liability coverage only.

There are a few cases where removing full coverage is not a good plan. If you still have a lienholder on your title, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not opt for liability only.

Cheaper Scottsdale auto insurance rates with discounts

Auto insurance companies don’t list all possible discounts in an easy-to-find place, so the next list breaks down both well-publicized and also the lesser-known ways to save on auto insurance.

• Accident Forgiveness Coverage – Not a discount per se, but a few companies such as Allstate, State Farm and GEICO will forgive one accident without the usual rate increase with the catch being you have to be claim-free prior to being involved in the accident.
• Cautious Drivers – Accident-free drivers could pay up to 40% less as compared to drivers with claims.
• Discounts for Seat Belt Usage – Requiring all passengers to use a seat belt can save 10% or more off PIP or medical payments premium.
• Discounts for New Vehicles – Insuring a new CC can be considerably cheaper since newer vehicles are generally safer.
• Low Mileage – Keeping the miles down on your Volkswagen can earn discounted premium rates on garaged vehicles.
• Pay Upfront and Save – If you pay your bill all at once instead of monthly or quarterly installments you may have a lower total premium amount.
• Driving Data Discount – Drivers that enable companies to monitor driving habits by using a telematics device in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive could possibly reduce rates if they are good drivers.
• Policy Bundle Discount – When you combine your homeowners and auto insurance with the same insurance company they may give you a discount of over 10 percent off each policy depending on the company.
• Driver Safety – Successfully completing a driver safety course may get you a small discount if you qualify.
• Military Rewards – Having an actively deployed family member could trigger a small discount.

Keep in mind that most discounts do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as comprehensive or collision. Despite the fact that it seems like you can get free auto insurance, insurance companies wouldn’t stay in business.

The diagram below illustrates the difference between Volkswagen CC premium costs with and without discounts applied. The premium estimates are based on a male driver, no violations or accidents, Arizona state minimum liability limits, full 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, multi-car, safe-driver, marriage, homeowner, and claim-free discounts applied.

To see a list of insurance companies that provide some of the discounts listed above in Scottsdale, click here.