Insurance quote for Volkswagen CC in San JoseWish you could get out of an expensive auto insurance policy? You're preaching to the choir because many San Jose consumers are in the same pinch.

Unbelievable but true, over 70% of consumers kept their policy with the same company for over three years, and 38% of drivers have never compared rates to find cheaper insurance. Many drivers in San Jose could save $469 a year, but they won't spend time to compare rate quotes online. Many auto insurance companies vie for your hard-earned dollar, and it can be difficult to compare rates to discover the definitive best rates possible on Volkswagen CC insurance in San Jose.

It's a great practice to shop coverage around quite often because prices are rarely the same from one policy term to another. Despite the fact that you may have had the lowest price on Volkswagen CC insurance in San Jose two years ago you can probably find a better rate now. There are a lot of ways to save on CC insurance on the web, but in a few minutes you can learn some tested techniques to stop overpaying for insurance in San Jose.

Getting more affordable car insurance pricing is a great way to save money. You just have to take a couple of minutes comparing free San Jose auto insurance quotes online with multiple companies.

It's so easy to compare rate quotes online that it takes the place of having to drive around to each insurance agency near you. The fact that you can get quotes online eliminates the need for an insurance agent unless you require the professional abilities of a local San Jose agent. You can, however, compare the best prices online but have your policy serviced through an agent.

The companies shown below have been selected to offer comparison quotes in San Jose, CA. To get cheap car insurance in CA, we suggest you get rate quotes from several of them to get a more complete price comparison.

Volkswagen CC Insurance Costs in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CC Sport 4-Dr Coupe $216 $392 $456 $26 $136 $1,226 $102
CC Luxury 4-Dr Coupe $416 $792 $450 $26 $134 $1,818 $152
CC VR6 Sport 4-Dr Coupe $370 $804 $500 $30 $150 $1,854 $155
CC VR6 Motion 4-Dr Coupe $368 $774 $416 $24 $124 $1,706 $142
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Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Premium amounts do not factor in specific location which can influence rates greatly.

Raise deductibles and save

One frequently asked question is what deductibles to buy. The figures shown below determine how much more rates are when you select higher and lower deductibles. The first table uses a $100 deductible for comp and collision and the second pricing table uses a $1,000 deductible.

Volkswagen CC insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CC Sport 4-Dr Coupe $430 $810 $442 $26 $132 $1,865 $155
CC Luxury 4-Dr Coupe $430 $810 $442 $26 $132 $1,865 $155
CC VR6 Sport 4-Dr Coupe $478 $932 $442 $26 $132 $2,035 $170
CC VR6 Motion 4-Dr Coupe $478 $932 $442 $26 $132 $2,035 $170
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Volkswagen CC insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CC Sport 4-Dr Coupe $238 $426 $442 $26 $132 $1,264 $105
CC Luxury 4-Dr Coupe $238 $426 $442 $26 $132 $1,264 $105
CC VR6 Sport 4-Dr Coupe $266 $490 $442 $26 $132 $1,356 $113
CC VR6 Motion 4-Dr Coupe $266 $490 $442 $26 $132 $1,356 $113
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Cost estimates assume 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, homeowner, and multi-policy. Premium costs do not factor in specific zip code location which can influence rates greatly.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you about $54 more each month or $648 a year than requesting the higher $1,000 deductible. Because you would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you average at a minimum 17 months between claims, you would most likely save money if you decide on a higher deductible.

Calculate savings of higher deductibles

Average monthly premium for $100 deductibles: $163
Average monthly premium for $1,000 deductibles (subtract): - $109
Monthly savings from raising deductible: $54
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $54
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

One big caveat is that increasing deductibles to save money results in having to pay to pay more out-of-pocket when you have a claim. That will force you to have some non-essential savings in the event you need to pay more to get your vehicle repaired.

Comparison of car insurance rates by gender and age

The information below compares Volkswagen CC insurance rates for male and female drivers. Data assumes no claims, a clean driving record, comprehensive and collision coverage, $100 deductibles, single marital status, and no discounts are factored in.

Reckless driving habits raise car insurance rates

The chart below shows how violations and at-fault claims raise Volkswagen CC car insurance costs for different insured age categories. The price estimates are based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are factored in.

Why car insurance is not optional

Despite the high cost of buying insurance for a Volkswagen CC in San Jose, buying car insurance is required by state law in California and it also provides benefits you may not be aware of.

The benefits of buying car insurance definitely exceed the cost, especially with large liability claims. The average driver in California overpays as much as $750 every year so you should quote your policy with other companies every year to save money.

Auto insurance buyers beware

Consumers can't get away from all the ads that claim the cheapest car insurance rates by Allstate, GEICO and Progressive. All the ads say the same thing of big savings if you switch your policy.

Is it even possible that every company can charge less that you're paying now? Just pay attention to how they say it.

All companies have specific characteristics for the type of driver that will not have excessive claims. One example of this type of insured could be married and over the age of 30, has never had a claim, and drives a car with an anti-theft system. A driver who fits those characteristics will get the preferred prices in San Jose and therefore will cut their Volkswagen CC insurance rates if they switch.

Drivers who don't measure up to this stringent profile will probably have to pay higher rates which usually ends up with the customer not buying. The ads state "drivers that switch" not "everybody who quotes" save money. That's why companies can lure you into getting a quote. Because each company has a different risk profile, you absolutely need to get a wide range of price quotes. It is impossible to guess which insurance companies will give you the biggest savings.

Determine discounts to get cheap San Jose auto insurance rates

Auto insurance is easily one of your largest bills, but there's a good chance there are discounts that you may not even know about. Certain reductions will be credited when you get a quote, but a few must be specifically requested prior to getting the savings. If you do not double check each discount available, you may be paying too high a price.Cheaper auto insurance with discounts

Discounts reduce rates, but you should keep in mind that most discount credits are not given to the entire policy premium. Most only cut the price of certain insurance coverages like comp or med pay. Just because you may think you would end up receiving a 100% discount, company stockholders wouldn't be very happy.

Car insurance companies that may offer policyholders some of the above discounts possibly include:

Double check with all companies you are considering to apply every possible discount. Discounts might not be available to policyholders in San Jose.

Buying from insurance agencies

A small number of people prefer to talk to a local agent and that is recommended in a lot of cases Licensed agents can help you choose the best coverages and help submit paperwork. The best thing about comparing auto insurance online is that drivers can save money and get better rates but also keep your business local.

Once you complete this quick form, the coverage information is sent to insurance agents in San Jose who will give you quotes for your insurance coverage. There is no need to find an agent on your own since price quotes are sent immediately to your email address. If you have a need to compare prices from a specific auto insurance provider, don't hesitate to find their quoting web page and fill out their quote form.

Deciding on an company requires more thought than just a cheap quote. Before buying a policy in San Jose, get answers to these questions.

Your car insurance coverage should be tailored to you

When buying coverage online or from an agent, there really isn't a "perfect" insurance plan. Everyone's situation is a little different.Safe vehicles cost less to insure

For example, these questions may help highlight if your situation might need professional guidance.

If you can't answer these questions but you know they apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It's fast, free and can help protect your family.

Car insurance 101

Having a good grasp of your policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hitting a deer, damage from getting keyed, theft and falling objects. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Auto collision coverage

This coverage pays to fix your vehicle from damage caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as sideswiping another vehicle, sustaining damage from a pot hole, colliding with a tree and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also increase the deductible on your CC in order to get cheaper collision rates.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like hospital visits, ambulance fees, surgery and funeral costs. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

This protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Volkswagen CC.

Due to the fact that many California drivers carry very low liability coverage limits (15/30/5), it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Liability auto insurance

Liability coverage can cover damage or injury you incur to other's property or people. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 15/30/5 that translate to $15,000 in coverage for each person's injuries, $30,000 for the entire accident, and property damage coverage for $5,000.

Liability coverage protects against claims like medical expenses, emergency aid, loss of income, attorney fees and funeral expenses. The amount of liability coverage you purchase is your choice, but it's cheap coverage so purchase higher limits if possible. California requires minimum liability limits of 15/30/5 but it's recommended drivers buy better liability coverage.

What is YOUR best insurance company?

Cheaper car insurance in San Jose is definitely available from both online companies and with local San Jose insurance agents, so you should compare both so you have a total pricing picture. A few companies don't offer price quotes online and many times these small insurance companies work with local independent agents.

You just learned some good ideas how you can find cheaper Volkswagen CC insurance in San Jose. It's most important to understand that the more companies you get auto insurance rates for, the better your chances of lowering your auto insurance rates. You may even be surprised to find that the best rates are with some of the lesser-known companies.

When shopping online for car insurance, do not buy poor coverage just to save money. In many cases, an accident victim reduced liability limits or collision coverage only to discover later that it was a big error on their part. Your objective should be to purchase a proper amount of coverage at the lowest possible cost but still have enough coverage for asset protection.

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