Do you need a fast way to compare the cheapest Volkswagen CC insurance in Philadelphia? Pretty sure you bought an expensive auto insurance policy? Believe me when I say many Philadelphia consumers feel financially strained by their auto insurance policy.
Remarkably, a study showed that nearly 70% of drivers have purchased from the same company for over three years, and almost 40% of drivers have never compared rate quotes at all. Many drivers in Pennsylvania can cut their rates by 55% a year just by comparing rates, but they don’t understand how simple it is to shop around.
Numerous car insurance companies battle for your insurance dollar, and because of this it can be hard to compare car insurance companies and uncover the absolute lowest price on Volkswagen CC insurance in Philadelphia.
Companies offering low-cost Volkswagen CC rates in Philadelphia, PA
The following companies have been selected to offer free rate quotes in Philadelphia, PA. If multiple companies are shown, we suggest you compare several of them in order to find the most affordable rates.
Volkswagen CC insurance charts and tables
The table displayed next highlights detailed analysis of prices for Volkswagen CC models. Learning more about how insurance quotes are calculated is important to be able to make informed decisions when comparing rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|CC Sport 4-Dr Coupe||$200||$420||$372||$22||$112||$1,126||$94|
|CC Luxury 4-Dr Coupe||$200||$420||$372||$22||$112||$1,126||$94|
|CC VR6 Sport 4-Dr Coupe||$224||$484||$372||$22||$112||$1,214||$101|
|CC VR6 Motion 4-Dr Coupe||$224||$484||$372||$22||$112||$1,214||$101|
|Get Your Own Customized Quote Go|
Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Estimates do not factor in specific zip code location which can raise or lower price quotes noticeably.
The illustration below demonstrates how deductibles and can raise or lower Volkswagen CC yearly insurance costs for different age groups. Data assumes a single female driver, full coverage, and no discounts are factored in.
Insurance premiums for males and females
The chart below shows the comparison of Volkswagen CC annual premium costs for male and female drivers. The premium estimates are based on no claims, a clean driving record, comprehensive and collision coverage, $500 deductibles, drivers are not married, and no discounts are taken into consideration.
Full coverage rates vs. liability-only in Philadelphia
The chart below compares Volkswagen CC premium costs with full coverage and liability only. The premiums assume no claims or driving citations, $100 deductibles, drivers are single, and no policy discounts are applied.
When to stop paying for full coverage
There is no set guideline to stop buying physical damage coverage, but there is a general guideline. If the annual cost of your full coverage insurance is more than 10% of the settlement you would receive from your company, then you might consider buying liability only.
For example, let’s pretend your Volkswagen CC book value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company would pay you is $2,000 after paying your policy deductible. If it’s costing you more than $200 a year to have full coverage, then it’s probably a good time to buy liability coverage only.
There are some cases where dropping physical damage coverage is not in your best interest. If you still have a loan on your vehicle, you have to keep full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not buy liability only.
What Determines Volkswagen CC Insurance Premiums?
One of the most helpful ways to save on auto insurance is to to have a grasp of some of the things that aid in calculating your auto insurance rates. When consumers understand what determines premiums, this enables informed choices that could result in big savings.
Annual miles is a factor – The higher the mileage driven in a year the higher your rates will be. Most companies rate vehicles based on their usage. Autos that sit idle most of the time get more affordable rates than those used for commuting. Having an incorrect usage rating on your CC is just wasting money. It’s a good idea to make sure your auto insurance policy is showing the proper vehicle usage.
Premiums are high for teenagers – Youthful drivers in Pennsylvania are proven to get distracted easily behind the wheel and because of this, their auto insurance rates are much higher. Older insureds are viewed as being more responsible, statistically cause fewer accidents, and usually have better credit.
The following chart uses these assumptions: single driver, full coverage with $1000 deductibles, and no discounts or violations.
The type of car makes a difference – The performance level of the car you need insurance for makes a huge difference in your car insurance bill. Smaller low performance passenger vehicles generally receive the lowest base rates, but your final cost has many other factors.
The following data uses these assumptions: single male driver age 40, full coverage with $100 deductibles, and no discounts or violations. It shows Volkswagen CC car insurance rates compared to other models of vehicles that have different performance risks.
Bad credit hurts insurance rates – An insured’s credit rating is a large factor in your rate calculation. Consumers who have excellent credit tend to be less risk to insure than drivers who have worse credit. If your credit is not that good, you may save money insuring your Volkswagen CC if you clean up your credit.
Where you reside factors in – Residing in a rural area has definite advantages when it comes to auto insurance. Urban drivers have to deal with more auto accidents and higher rates of accident claims. Lower population corresponds to lower accident rates and a lower car theft rate.
Tickets drive up costs – Even a single driving citation can bump up the cost to the point where it’s not affordable. Good drivers receive lower rates than their less careful counterparts. Drivers unfortunate enough to have dangerous citations like DWI, reckless driving or hit and run convictions are required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to legally drive.
The illustration below highlights how traffic violations and at-fault fender-benders impact Volkswagen CC auto insurance rates for different age groups. The premiums are based on a married male driver, comp and collision included, $250 deductibles, and no discounts are applied.
Loss statistics for a Volkswagen CC – Companies analyze historical claim data when determining insurance costs. Models that the data shows to have high amounts or severity of claims will have higher rates for specific coverages.
The table below shows the collected loss data for Volkswagen CC vehicles. For each policy coverage type, the loss probability for all vehicles, as an average, is equal to 100. Numbers below 100 suggest a positive loss record, while values that are above 100 point to more claims or an increased chance of larger losses than average.
|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
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Do you qualify for discounts on Volkswagen CC insurance in Philadelphia?
Auto insurance is neither fun to buy or cheap, but you may be missing some discounts that can drop the cost substantially. Certain discounts will be applied when you complete an application, but occasionally some discounts must be asked about prior to getting the savings.
- Drive Less and Save – Driving less may allow you to get lower premium rates due to less chance of an accident.
- Include Life Insurance and Save – Larger insurance carriers have a break if you buy a life policy as well.
- First Accident Forgiveness – This isn’t a discount exactly, but a few companies such as GEICO, Allstate and Liberty Mutual permit an accident without raising rates so long as you haven’t had any claims for a certain period of time.
- No Claim Discounts – Good drivers with no accidents have much lower rates as compared to insureds who have frequent claims or accidents.
- Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts may earn rate discounts of 20% or more.
- Good Drivers – Insureds who avoid accidents can save up to 40% or more on their Philadelphia car insurance quote than drivers with accidents.
Please keep in mind that most credits do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like medical payments or collision. So when the math indicates you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.
The chart below shows the difference between Volkswagen CC auto insurance costs with and without discounts. Data assumes a female driver, no claims or driving citations, Pennsylvania state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, safe-driver, marriage, claim-free, and multi-policy discounts applied.
To see a list of insurers who offer online Volkswagen CC insurance quotes in Pennsylvania, click here.
When to have guidance from a local insurance agent
A small number of people just want to talk to a local agent and that is not a bad decision The best thing about comparing insurance prices online is the fact that you can find cheap insurance rates and also buy local.
To find an agent, once you fill out this simple form, the coverage information gets sent to companies in Philadelphia who can give free rate quotes for your business. You never need to contact any agents because quoted prices will be sent to you. You can most likely find cheaper rates without requiring a lot of work. In the event you want to compare rates for a specific company, feel free to search and find their rate quote page and fill out the quote form the provide.
Picking an provider requires more thought than just the quoted price. Here are some questions to ask:
- Where are claims handled?
- How often do they review coverages?
- Do they offer claims assistance after hours?
- How are claims handled?
- Is auto insurance their primary focus in Philadelphia?
- If independent agents, which companies do they recommend?
- Which companies can they place coverage with?
If you want a reliable insurance agency, you need to know there are two types of agencies to choose from. Philadelphia agents can be categorized as either exclusive or independent agents depending on their company appointments.
Agents of this type can only provide one company’s prices and some examples include AAA, Allstate, and State Farm. They are unable to provide prices from multiple companies so if the price isn’t competitive there isn’t much they can do. These agents receive extensive training on what they offer which helps overcome the inability to quote other rates.
Listed below is a list of exclusive agents in Philadelphia that are able to give price quotes.
George Kweder – State Farm Insurance Agent
1521 W Oregon Ave – Philadelphia, PA 19145 – (215) 467-1837 – View Map
Independent Insurance Agents
Independent insurance agents often have affiliation with several companies so they have the ability to put coverage with a variety of different insurance companies and find you the best rates. If they quote lower rates, your agent can switch companies and you don’t have to do anything. When comparison shopping, it’s recommended you include at a minimum one independent agency so that you have a good selection of quotes to compare.
Below are independent agents in Philadelphia willing to provide price quotes.
If you get positive feedback to any questions you have as well as a affordable price, it’s a good possibility that you have found a car insurance agent that can properly service your insurance policy. Just keep in mind you can cancel coverage for any reason so never feel that you’re stuck with any specific company for any length of time.
What is the best insurance coverage?
Always remember that when buying coverage online or from an agent for your personal vehicles, there really is not a perfect coverage plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply.
Here are some questions about coverages that could help you determine whether your personal situation may require specific advice.
- Are rock-chip repairs free?
- What should my uninsured motorist coverage limits be in Pennsylvania?
- Should I rate my vehicle as business use?
- How high should deductibles be on a Volkswagen CC?
- When would I need additional glass coverage?
- Are my company tools covered if they get stolen?
- Is rental equipment covered for theft or damage?
- Do I need PIP coverage since I have good health insurance?
- What is the rate difference between pleasure use and commuting?
- What is GAP insurance?
If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.
Persistence will pay off
When buying insurance coverage, you should never sacrifice coverage to reduce premiums. In many cases, consumers will sacrifice full coverage only to discover later they didn’t purchase enough coverage. The proper strategy is to find the BEST coverage for the lowest cost and still be able to protect your assets.
You just read many tips how you can save on Volkswagen CC insurance in Philadelphia. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. Drivers may even discover the biggest savings come from some of the smallest insurance companies. They may only write in your state and offer lower prices than the large multi-state companies such as Allstate, GEICO and Progressive.
To read more, feel free to browse the resources below:
- Help Your Teen Be a Better Driver (State Farm)
- What Car Insurance is Cheapest for a Ford Explorer in Philadelphia? (FAQ)
- What Auto Insurance is Cheapest for Young Drivers in Philadelphia? (FAQ)
- Who Has Cheap Car Insurance Quotes for Veterans in Philadelphia? (FAQ)
- Who Has Cheap Auto Insurance for a Chevrolet Equinox in Philadelphia? (FAQ)
- Learn About Car Insurance (GEICO)
- Where can I buy Insurance? (Insurance Information Institute)