Locating the cheapest San Antonio Volkswagen CC insurance quotes can appear to be somewhat difficult for beginners to buying insurance on the web. With so many options of online companies, how are we expected to possibly compare them all to find better prices?
It’s easy to assume that auto insurance companies don’t want policyholders to shop around. Drivers who shop around annually are likely to switch companies because of the high probability of finding a lower-priced policy. A recent survey revealed that drivers who did price comparisons regularly saved approximately $850 each year compared to drivers who don’t regularly compare prices.
If finding the lowest price on car insurance in San Antonio is your intention, then having an understanding of how to compare insurance can save time, money, and frustration.
It is always a good idea to compare prices periodically since insurance rates are variable and change quite frequently. Despite the fact that you may have had the lowest rate on Volkswagen CC insurance in San Antonio two years ago you can probably find a better price now. There is a lot of bad information regarding CC insurance online but in a few minutes you can learn some tested techniques to reduce your car insurance bill.
If you are already insured, you will be able to save money using the ideas you’re about to read. Finding the lowest cost insurance in San Antonio is not as hard as you may think. Although Texas vehicle owners need to learn the way companies calculate their prices because it can help you find the best coverage.
To find affordable San Antonio car insurance quotes, there are several ways to compare rate quotes from different San Antonio insurance companies. The recommended way to comparison shop involves getting comparison quotes online.
When comparison shopping, getting more free quotes increases the chance that you will find a lower rate than you’re paying now. Not every company allows you to get online rate quotes, so it’s recommended that you also compare rates from them, too.
The providers in the list below offer comparison quotes in Texas. If multiple companies are shown, we recommend you get rate quotes from several of them in order to find the most competitive rates.
Detailed insurance information
The coverage information displayed next showcases different policy rates for Volkswagen CC models. Being more informed about how car insurance premiums are calculated can help guide drivers when making decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CC Sport 4-Dr Coupe | $262 | $462 | $388 | $24 | $116 | $1,252 | $104 |
| CC Luxury 4-Dr Coupe | $262 | $462 | $388 | $24 | $116 | $1,252 | $104 |
| CC VR6 Sport 4-Dr Coupe | $292 | $532 | $388 | $24 | $116 | $1,352 | $113 |
| CC VR6 Motion 4-Dr Coupe | $292 | $532 | $388 | $24 | $116 | $1,352 | $113 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Price estimates do not factor in specific location information which can impact auto insurance rates considerably.
How high should deductibles be?
When shopping for car insurance, a common question is how high or low should comp and collision deductibles be. The following insurance rates sum up the difference in cost of buying low and high policy deductibles. The first data table uses a $250 deductible for comprehensive and collision coverage and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CC Sport 4-Dr Coupe | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| CC Luxury 4-Dr Coupe | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| CC VR6 Sport 4-Dr Coupe | $370 | $672 | $382 | $22 | $114 | $1,585 | $132 |
| CC VR6 Motion 4-Dr Coupe | $370 | $672 | $382 | $22 | $114 | $1,585 | $132 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CC Sport 4-Dr Coupe | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| CC Luxury 4-Dr Coupe | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| CC VR6 Sport 4-Dr Coupe | $300 | $542 | $382 | $22 | $114 | $1,360 | $113 |
| CC VR6 Motion 4-Dr Coupe | $300 | $542 | $382 | $22 | $114 | $1,360 | $113 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Price estimates do not factor in zip code location which can change insurance rates noticeably.
Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you roughly $18 more each month or $216 a year than buying the higher $500 deductible. Since the policyholder would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 14 months between claim filings, you would probably come out ahead if you opt for a higher deductible.
The chart below demonstrates how deductible levels and can raise or lower Volkswagen CC insurance costs for different age categories. The rate quotes are based on a single male driver, comp and collision included, and no discounts are factored in.
Three reasons to not skimp on insurance
Despite the high cost, insurance is required for several reasons.
First, the majority of states have compulsory liability insurance requirements which means the state requires a specific minimum amount of liability coverage in order to drive the car legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you bought your vehicle with a loan, it’s guaranteed your bank will stipulate that you buy insurance to protect their interest in the vehicle. If coverage lapses or is canceled, the bank or lender will purchase a policy for your Volkswagen for a lot more money and force you to pay a much higher amount than you were paying before.
Third, insurance protects both your Volkswagen and your personal assets. Insurance will pay for medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance will also pay attorney fees if you are sued as the result of your driving. If mother nature or an accident damages your car, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.
The benefits of carrying enough insurance definitely exceed the cost, especially with large liability claims. According to a survey of 1,000 drivers, the average driver overpays more than $855 a year so compare rate quotes at every policy renewal to make sure the price is not too high.
San Antonio Insurance Costs are Influenced by These Factors
Many factors are used in the calculation when quoting car insurance. Most are fairly basic such as your driving record, but other criteria are less obvious such as your marital status or your financial responsibility.
Never let your insurance lapse – Allowing your insurance policy to lapse can be a guaranteed way to increase your rates. Not only will you pay higher rates, being ticketed for driving with no insurance might get you a fine, jail time, or a revoked license. You will then be forced to prove you have insurance by filing a SR-22 with the Texas motor vehicle department.
Raise deductibles and save – Physical damage deductibles are how much the insured will be required to pay if the claim is covered. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some coverage claims would be colliding with a stationary object, collision with a deer, and damage caused by road hazards. The more money the insured is willing to pay, the less money you will pay for insurance.
Marriage can lower prices – Having a significant other may save some money when shopping for insurance. Marriage means you’re more mature than a single person and insurance companies reward insureds because being married results in fewer claims.
Drivers with excellent credit save – An insured’s credit score factor in determining premium rates. Drivers with good credit tend to be better risks to insure than those with poor credit. If your credit history is not that good, you could be paying less to insure your Volkswagen CC by repairing your credit.
Insure your auto and home with one company – Some insurance companies will award lower prices to buyers who consolidate policies with them. It’s known as a multi-policy discount. Even with this discount, it’s always a smart idea to comparison shop to guarantee you are still saving the most. You may still be able to save more without the discount by splitting coverages up.
Volkswagen CC insurance claim data – Insurance companies factor in insurance loss information when they file their rates in each state. Models that tend to have a higher amount or frequency of claims will have a higher premium rate. The next table shows the historical insurance loss data for Volkswagen CC vehicles.
For each coverage type, the claim probability for all vehicles, as a total average, is equal to 100. Values that are below 100 indicate a favorable loss history, while numbers above 100 indicate a higher chance of having a claim or statistically larger claims.
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Volkswagen CC 2WD | 132 | 99 | 119 | 99 | 108 | 103 |
| Volkswagen CC 4WD | 162 | 134 |
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Insurance policy discounts for Volkswagen CC insurance in San Antonio
Buying insurance is not cheap, but you may be missing some discounts to help bring down the price. A few discounts will automatically apply at the time you complete a quote, but a few must be requested specifically before they will apply. If you check and find you aren’t receiving every discount you deserve, you may be paying too high a price.
- Telematics Data – Policyholders that allow their company to monitor where and when they drive by using a telematic data system such as Snapshot from Progressive or Drivewise from Allstate could save a few bucks if they show good driving skills.
- More Vehicles More Savings – Insuring multiple cars or trucks on the same insurance policy can reduce the rates for all insured vehicles.
- Multi-line Discount – Some insurance companies give a small discount if you purchase a life policy as well.
- No Claims – Insureds with no claims or accidents can earn big discounts as compared to bad drivers.
- Bundle and Save – When you have multiple policies and insure them with the same company you could save up to 20% and get you affordable Volkswagen CC insurance rates in San Antonio.
- Anti-lock Brakes – Cars equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
- Discounts for Responsible Drivers – Drivers who avoid accidents can save up to 40% or more on their San Antonio car insurance quote than less cautious drivers.
- Home Ownership Discount – Being a homeowner can save you money because it shows financial diligence.
- Theft Prevention System – Cars, trucks, and SUVs with anti-theft systems have a lower chance of being stolen and qualify for as much as a 10% discount.
Discounts save money, but please remember that most of the big mark downs will not be given to your bottom line cost. Most only cut the price of certain insurance coverages like liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, companies wouldn’t make money that way. But any discount will definitely lower the premium cost.
The chart below illustrates the difference between Volkswagen CC annual premium costs with and without discounts applied. The information is based on a male driver, no accidents, no driving violations, Texas state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, claim-free, marriage, multi-policy, and multi-car discounts applied.
The best insurance companies and some of the discounts are included below.
- American Family has discounts for Steer into Savings, bundled insurance, TimeAway discount, defensive driver, and accident-free.
- Nationwide discounts include good student, family plan, accident-free, easy pay, and defensive driving.
- MetLife may have discounts that include claim-free, defensive driver, good driver, multi-policy, good student, and accident-free.
- 21st Century offers premium reductions for anti-lock brakes, homeowners, early bird, defensive driver, and good student.
- Farmers Insurance may offer discounts for multi-car, bundle discounts, good student, business and professional, electronic funds transfer, switch companies, and youthful driver.
- Allstate offers discounts including premier plus, farm vehicle, anti-lock brakes, 55 and retired, and early signing.
When getting a coverage quote, ask all companies you are considering which discounts you qualify for. All car insurance discounts might not be offered in your area. To find insurance companies with discount insurance rates in San Antonio, click here.
What insurance coverages do I need?
Keep in mind that when it comes to choosing coverage online or from an agent, there is no perfect coverage plan. Your financial needs are unique.
For instance, these questions might point out whether you might need an agent’s assistance.
- Am I covered when pulling a rental trailer?
- Does coverage follow the driver or the vehicle?
- Do I have ACV or replacement cost coverage?
- How much liability coverage do I need in Texas?
- Am I covered if I hit someone who is not insured?
- Can I afford to buy a different vehicle if my Volkswagen CC is totaled?
If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form.
Local San Antonio auto insurance agents and auto insurance
Some people just want to sit down and talk to an agent and that is recommended in a lot of cases A nice benefit of price shopping on the web is the fact that drivers can get lower premium rates but also keep your business local. And providing support for neighborhood agents is definitely important in San Antonio.
Upon completion of this short form, your insurance coverage information is immediately sent to local insurance agents who will give competitive quotes for your auto insurance coverage. You won’t need to do any legwork due to the fact that quote results will go immediately to you. You can get cheaper auto insurance rates without a big time investment. If for some reason you want to get a rate quote from a specific auto insurance provider, you just need to jump over to their website to submit a rate quote request.
Finding the right insurer should depend on more than just a cheap price quote. These questions are important to ask:
- What insurance company do they write the most business with?
- Are they properly licensed to sell insurance in Texas?
- Are they paid to recommend certain coverages?
- What is the agency’s Better Business Bureau rating?
- Does the agency provide any after hours assistance?
- Do they regularly work with personal auto policies in San Antonio?
Upon getting satisfactory answers to all your questions as well as an affordable premium quote, it’s a good possibility that you have found an insurer that meets the requirements to provide auto insurance coverage. Keep in mind it’s your coverage and you can terminate your policy whenever you choose to so don’t think that you’re stuck with any specific company for the full term.
The lowest rates come from being thorough
Some insurance providers may not offer online rate quotes and these regional carriers only sell through independent agents. Cost effective Volkswagen CC insurance can be found online as well as from insurance agents, so compare prices from both in order to have the best price selection to choose from.
As you restructure your insurance plan, never buy lower coverage limits just to save a few bucks. There have been many situations where an insured dropped physical damage coverage to discover at claim time that it was a big mistake. Your aim should be to buy the best coverage you can find at the best possible price but still have enough coverage for asset protection.
People leave their current company for many reasons like delays in responding to claim requests, not issuing a premium refund, policy non-renewal or even high prices. Regardless of your reason, finding the right insurance provider can be less work than you think.
Additional insurance information can be found on the following sites:
- Teen Driver Statistics (Insurance Information Institute)
- Who Has the Cheapest San Antonio Auto Insurance for a Toyota Tacoma? (FAQ)
- Property Damage Coverage (Liberty Mutual)
- Car Insurance: When not to Skimp (BankRate.com)
- Auto Insurance for Teen Drivers (Insurance Information Institute)