Cheap Quotes for Volkswagen CC Insurance in Sacramento

Overwhelmed by the sheer number of insurance sources in Sacramento? There are so many sources available that it can easily become a real hassle to compare prices on Volkswagen CC insurance. Sacramento is a great city to raise a family in, but inflated insurance prices can make it hard for many drivers to buy full coverage.

Discount Volkswagen CC insuranceSmart shoppers know that car insurance companies don’t want you to look at other companies. Drivers who compare rates once a year are likely to move their business because there is a significant possibility of finding a more affordable policy. A recent survey found that drivers who shopped around saved $865 a year compared to other drivers who never compared other company’s rates.

If finding the cheapest rates on car insurance is your target objective, then having a good understanding how to shop and compare insurance coverage can make shopping around easier.

It’s a good idea to get comparison quotes every six months because insurance rates are adjusted regularly by insurance companies. Even if you got the lowest rate on Volkswagen CC insurance in Sacramento a few years ago there may be better deals available now. Block out anything you think you know about insurance because you’re about to learn the quickest way to remove unneeded coverages and save money.

Buying the cheapest auto insurance in Sacramento is quite easy if you know the best way to do it. If you have a current auto insurance policy, you will definitely be able to get lower rates using this information. But California vehicle owners do need to understand how the larger insurance companies sell online and use this information to your advantage.

Keep in mind that obtaining a wide range of quotes will increase your chances of finding the best price.

The companies in the list below are ready to provide quotes in Sacramento, CA. In order to find cheaper auto insurance in Sacramento, it’s highly recommended you visit two to three different companies to get the most competitive price.

Insurance coverage details

The premium table shown below showcases a range of insurance coverage prices for Volkswagen CC models. Learning how policy rates are figured is important for you to make decisions when shopping around.

Volkswagen CC Insurance Rates in Sacramento, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CC Sport 4-Dr Coupe $374 $664 $450 $26 $134 $1,648 $137
CC Luxury 4-Dr Coupe $374 $664 $450 $26 $134 $1,648 $137
CC VR6 Sport 4-Dr Coupe $416 $764 $450 $26 $134 $1,790 $149
CC VR6 Motion 4-Dr Coupe $416 $764 $450 $26 $134 $1,790 $149
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Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Rates do not factor in specific Sacramento garaging location which can impact price quotes greatly.

Physical damage deductibles

When buying insurance, a common question is how high or low should comp and collision deductibles be. The premium rates below illustrate the price difference when you buy lower versus higher physical damage deductibles. The first data set uses a $250 comprehensive and collision deductible and the second price grid uses a $500 deductible.

Volkswagen CC insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CC Sport 4-Dr Coupe $386 $678 $442 $26 $132 $1,689 $141
CC Luxury 4-Dr Coupe $386 $678 $442 $26 $132 $1,689 $141
CC VR6 Sport 4-Dr Coupe $430 $780 $442 $26 $132 $1,835 $153
CC VR6 Motion 4-Dr Coupe $430 $780 $442 $26 $132 $1,835 $153
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Volkswagen CC insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CC Sport 4-Dr Coupe $314 $546 $442 $26 $132 $1,460 $122
CC Luxury 4-Dr Coupe $314 $546 $442 $26 $132 $1,460 $122
CC VR6 Sport 4-Dr Coupe $348 $630 $442 $26 $132 $1,578 $132
CC VR6 Motion 4-Dr Coupe $348 $630 $442 $26 $132 $1,578 $132
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Premium costs do not factor in specific garaging location which can lower or raise price quotes considerably.

We can derive from the above data that using a $250 deductible costs about $20 more each month or $240 annually averaged for all CC models than buying the higher $500 deductible. Because you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you have at least 13 months between claim filings, you would probably be better off if you choose the higher deductible. The numbers below show a better example of how this calculation is made.

Average monthly premium for $250 deductibles: $147
Average monthly premium for $500 deductibles (subtract): – $127
Monthly savings from raising deductible: $20
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $20
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

One big caveat is that raising deductibles means you will have to pay more at claim time. You need to have enough disposable savings in the event you need to pay the deductible for vehicle repair.

The chart below demonstrates how deductible levels and can change Volkswagen CC insurance prices for different age groups. The rates are based on a married male driver, comp and collision included, and no policy discounts are applied.

Rate difference between full and liability-only coverage

The information below visualizes the comparison of Volkswagen CC premium costs with full physical damage coverage compared to only buying liability only. The premiums assume no claims, a clean driving record, $500 deductibles, single status, and no discounts are applied to the premium.

Guidelines for eliminating full coverage

There is no definitive guideline to exclude physical damage coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is about 10% or more of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.

For example, let’s assume your Volkswagen CC claim settlement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, you would only receive $4,000 after paying the physical damage deductible. If premium cost is more than $400 annually for comprehensive and collision coverage, then you might consider buying liability only.

There are a few cases where only buying liability is not financially feasible. If you haven’t satisfied your loan, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.

Auto insurance does more than just repair your car

Despite the high insurance cost for a Volkswagen CC in Sacramento, maintaining insurance is most likely required but also gives you several important benefits.

The benefits of insuring your car more than offset the price you pay, specifically if you ever have a liability claim. On average, a vehicle owner in Sacramento overpays more than $825 a year so we recommend shopping around every year to help ensure money is not being wasted.

Choices You Make Can Impact Your Insurance Rates

Lots of things are used in the calculation when you get a price on insurance. Some factors are common sense such as your driving history, but some are not as apparent such as your marital status or your vehicle rating.

Listed below are a partial list of the pieces used by companies to determine your prices.

Do you qualify for discounts on Volkswagen CC insurance in Sacramento?

Car insurance can cost a lot, but there’s a good chance there are discounts that you may not know about. Many of these discounts will be applied automatically when you purchase, but occasionally some discounts must be asked for prior to receiving the credit.Insurance discounts

We need to note that most discounts do not apply to your bottom line cost. Most cut the cost of specific coverages such as liability and collision coverage. So when it seems like it’s possible to get free car insurance, that’s just not realistic.

The example below visualizes the comparison of Volkswagen CC insurance prices with and without discounts applied to the policy premium. Data assumes a male driver, no accidents or driving violations, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, homeowner, multi-policy, marriage, and safe-driver discounts applied.

A list of insurance companies and their offered discounts are included below.

When getting a coverage quote, ask every company to apply every possible discount. Some discounts listed above may not apply in every state. To locate insurers with significant discounts in California, follow this link.

Comparing quotes from local Sacramento car insurance agents

Some consumers prefer to sit down and talk to an agent and that is recommended in a lot of cases The best thing about comparing rate quotes online is that you can obtain the best rates and still have an agent to talk to.

Sacramento insurance agentsAfter filling out this simple form, your insurance coverage information gets sent to agents in your area who want to provide quotes for your business. You don’t have to contact an agency since rate quotes are delivered to you instantly. You can find better rates without a big time investment. If you need to compare rates from one company in particular, don’t hesitate to find their quoting web page and complete a quote there.

Finding the right company should depend on more than just the bottom line cost. Get answers to these questions too.

Best car insurance in Sacramento

Finding the best company is difficult considering how many choices you have in Sacramento. The company information in the lists below could help you analyze which companies you want to consider shopping prices with.

Top Car Insurance Companies in California
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies

Persistence is the key to affordable rates

Budget-conscious Volkswagen CC insurance is possible both online and with local Sacramento insurance agents, so you need to quote Sacramento car insurance with both to have the best rate selection. Some insurance companies do not offer the ability to get a quote online and these smaller providers work with local independent agents.

As you prepare to switch companies, don’t be tempted to reduce needed coverages to save money. There are a lot of situations where drivers have reduced full coverage only to discover later that the small savings ended up costing them much more. The proper strategy is to find the BEST coverage at the lowest possible cost, but don’t skip important coverages to save money.

People change insurance companies for a number of reasons such as an unsatisfactory settlement offer, lack of trust in their agent, denial of a claim and high rates after DUI convictions. Whatever your reason, finding a new company is pretty simple and you could end up saving a buck or two.

Steps to finding more affordable Volkswagen CC insurance in Sacramento

The recommended way to find cheaper quotes for Volkswagen CC insurance is to compare quotes annually from insurance carriers who sell insurance in Sacramento.

  1. Spend a few minutes and learn about car insurance and the modifications you can make to keep rates low. Many rating criteria that result in higher prices such as multiple speeding tickets and an unacceptable credit rating can be remedied by making minor driving habit or lifestyle changes.
  2. Compare rates from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from one company like GEICO or State Farm, while independent agencies can provide price quotes for a wide range of insurance providers.
  3. Compare the price quotes to your current policy to determine if switching companies saves money. If you find a lower rate and switch companies, ensure there is no coverage lapse between policies.
  4. Provide adequate notice to your current company to cancel your current car insurance policy. Submit a down payment along with a completed application for the new coverage. Be sure to store the certificate verifying proof of insurance in your glove compartment.

A tip to remember is to use similar coverage information on each quote request and and to look at as many companies as possible. Doing this ensures a fair price comparison and a better comparison of the market.

Much more information about auto insurance in California can be found on the following sites: