Save Money on Volkswagen CC Insurance in Oakland

How many years has it been since you compared lower-priced Volkswagen CC insurance in Oakland? Trying to come up with a payment for pricey insurance can bottom out your monthly budget and put a big crunch on your finances. Doing a rate analysis can be a smart way to ensure you are getting the best deal.

Statistics show that a large majority of consumers kept their policy with the same company for well over three years, and approximately 38% of consumers have never taken the time to shop around. California consumers could pocket nearly 35% a year by just comparing quotes, but they just don’t understand the large savings they would see if they moved their coverage to a different company.

Steps to quoting cheaper Volkswagen CC insurance in Oakland

It takes a little time, but the best way to find cheaper prices for Volkswagen CC insurance in Oakland is to start comparing prices regularly from different companies that sell auto insurance in California.

First, gain an understanding of the different coverages in a policy and the things you can control to drop your rates. Many rating criteria that drive up the price such as multiple speeding tickets and a less-than-favorable credit score can be remedied by making minor changes to your lifestyle.

Second, request rate estimates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give rate quotes from one company like GEICO or Allstate, while independent agents can give you price quotes for a wide range of companies.

Third, compare the quotes to your current policy premium to see if cheaper CC coverage is available. If you find better rates, ensure there is no coverage lapse between policies.

Fourth, provide adequate notice to your current company to cancel your existing policy and submit a down payment along with a signed application to your new insurance company. As soon as you can, store the proof of insurance paperwork somewhere easily accessible.

One important bit of advice is to use identical coverages on every quote request and and to get price quotes from as many companies as feasibly possible. Doing this enables a fair price comparison and a complete rate analysis.

There are many auto insurance companies to buy insurance from, and though it is a good thing to have a choice, more options can take longer to find the best rates for your vehicles.

It’s important to do rate comparisons occasionally due to the fact that insurance prices tend to go up over time. Even if you got the lowest price on Volkswagen CC insurance in Oakland two years ago you will most likely find a better rate quote today. Ignore everything you know about insurance because we’re going to show you the best methods to properly buy coverages and cut your premium.

The purpose of this article is to tell you how to effectively get price quotes and some money-saving tips. If you already have coverage, you should be able to shop for the lowest rates using the ideas covered in this article. Vehicle owners only need an understanding of the tricks to compare insurance rates from many different companies.

Cheapest companies for Volkswagen CC insurance

The companies shown below offer free rate quotes in Oakland, CA. If your goal is to find cheap auto insurance in Oakland, we recommend you visit two to three different companies in order to get a fair rate comparison.

Analysis of coverages

The price information below outlines detailed analysis of coverage costs for Volkswagen CC models. Having a good grasp of how insurance quotes are established helps drivers make smart choices when selecting a policy.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Rate quotes do not factor in specific zip code location which can change premiums substantially.

Deductible analysis

One common question asked by Oakland drivers is which deductibles should you choose. The rates below illustrate the rate difference when you choose different physical damage coverage deductibles. The first rate quote example uses a $100 deductible and the second price chart uses a $1,000 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Price information does not factor in specific garaging location which can increase or decrease price quotes noticeably.

Based on the figures above, using a $100 deductible would cost the average driver about $54 more each month or $648 each year than requesting the higher $1,000 deductible. Since you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you average at least 17 months between claims, you would save money if you choose the higher deductible.

The example below demonstrates how deductible levels and can change Volkswagen CC insurance costs for each age group. The rates are based on a married male driver, comp and collision included, and no discounts are taken into consideration.

Impact of citations and accidents on insurance rates

The diagram below illustrates how traffic citations and at-fault accidents impact Volkswagen CC auto insurance rates for different categories of driver ages. The information is based on a single male driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.

Learn How to Lower Your Insurance Costs

It’s important that you understand the different types of things that help determine the price you pay for auto insurance. If you understand what determines premiums, this enables you to make decisions that could help you find lower premium levels.

Listed below are some of the most common factors used by your company to calculate your prices.

• Optional features can affect auto insurance rates – Selecting a car model with a theft deterrent system can help bring down rates. Advanced theft deterrents such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent vehicle theft.
• Only buy coverage you need – There are a lot of add-on coverages that can add up if you don’t pay attention. Insurance for roadside assistance, better glass coverage, and additional equipment coverage may be costing you every month. The coverages may be enticing initially, but now you might not need them so consider taking them off your policy.
• Never let your auto insurance policy lapse – Driving without insurance is not a good idea and your next policy will cost more because you let your insurance expire. Not only will you pay higher rates, not being able to provide proof of insurance might get you a revoked license or a big fine.
• More than one policy can earn a discount – Some auto insurance companies give lower prices to insureds that buy multiple policies, otherwise known as a multi-policy discount. The discount can be ten percent or more. Even if you’re getting this discount consumers should still compare other Oakland CC insurance rates to verify if the discount is saving money. Drivers may still save money by buying auto insurance from a different company.

• Youthful vs. experienced drivers – Teenage drivers in California are statistically proven to be careless and easily distracted when driving therefore auto insurance rates are much higher. Older drivers are proven to be safer behind the wheel, tend to file fewer claims, and tend to be get fewer driving tickets.

  The following data uses these variables: single driver, full coverage with $250 deductibles, and no discounts or violations.

• Your spouse saves you money – Having a spouse may save some money when shopping for auto insurance. Having a spouse is viewed as being more financially stable and insurance companies like that drivers who are married are more cautious.
• Vehicles with better crash test results lower premiums – Safe vehicles get lower rates. Safe vehicles have better occupant injury protection and better occupant protection translates into savings for insurance companies passed on to you as lower rates.
• Auto insurance rates and your job – Do you have a high-stress occupation? Jobs like military personnel, executives, and stock brokers generally pay higher premiums than the average policyholder attributed to job stress and long work hours. On the other hand, jobs such as professors, students and the unemployed generally pay rates lower than average.

• Volkswagen CC insurance loss probability – Companies use data from past claims in order to profitably underwrite each model. Vehicles that have higher claim amounts or frequency will cost more for specific coverages. The data below shows the actual insurance loss data for Volkswagen CC vehicles.

  For each type of coverage, the claim amount for all vehicles, regardless of manufacturer or model, equals 100. Values below 100 suggest a better than average loss history, while numbers above 100 indicate a higher chance of having a claim or an increased likelihood of larger losses.

  
  

  Volkswagen CC Insurance Claim Statistics

  Specific Volkswagen 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

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Take advantage of these rate reducing discounts

Insurance can be pricey, but there’s a good chance there are discounts that can dramatically reduce your bill. Many discounts should be triggered when you get a quote, but some discounts are required to be specially asked for before you get the savings. If you do not check that you are getting every discount you deserve, you could be getting lower rates.

• ABS Braking Discount – Vehicles with ABS and/or traction control can avoid accidents and therefore earn up to a 10% discount.
• Pay Upfront and Save – If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
• Discounts for Federal Employees – Federal government employees can earn a discount up to 10% with a few insurance companies.
• Save with More Vehicles Insured – Buying insurance for several vehicles on a single policy may reduce the rate for each vehicle.
• Seat Belt Discounts – Drivers who require all occupants to buckle up before driving could cut 10% or more on the premium charged for medical payments and/or PIP.
• New Vehicle Savings – Adding a new car to your policy can save you some money because newer vehicles have to meet stringent safety requirements.
• Fewer Miles Equal More Savings – Low mileage vehicles may enable drivers to earn substantially lower prices.
• Accident Free – Drivers who don’t have accidents have much lower rates as opposed to bad drivers.
• Clubs and Organizations – Being a member of qualifying employment or professional organizations is a simple method to lower premiums when getting a Oakland auto insurance quote.

As is typical with insurance, some credits don’t apply to the entire cost. Some only apply to the cost of specific coverages such as collision or personal injury protection. Even though the math looks like all those discounts means the company will pay you, companies don’t profit that way. But any discount will positively reduce your policy premium.

The diagram below illustrates the comparison of Volkswagen CC car insurance rates with and without discounts applied. The rate quotes are based on a female driver, no claims or driving citations, California state minimum liability limits, comp and collision included, 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, homeowner, safe-driver, marriage, and claim-free discounts applied.

Companies that may have these discounts possibly include:

• GEICO
• Auto-Owners Insurance
• American Family
• Esurance
• Progressive
• State Farm
• AAA

When getting free Oakland auto insurance quotes, it’s a good idea to each company to give you their best rates. Discounts might not be offered in your area.

Exclusive or independent insurance agents

Some people would prefer to talk to an insurance agent and that is OK! Most agents can make sure you are properly covered and give you someone to call. The biggest benefit of getting online price quotes is that you can find cheaper rates and still buy from a local agent. And buying from local insurance agencies is especially important in Oakland.

For easy comparison, once you complete this simple form, your information gets sent to agents in your area who will give you quotes and help you find cheaper coverage. There is no need to contact any agents since rate quotes are delivered straight to your inbox. If you have a need to compare prices from a specific car insurance provider, feel free to jump over to their website and fill out the quote form the provide.

If you prefer to buy car insurance from a local Oakland insurance agent, you must know there are a couple types of agencies and how they differ in how they quote coverages. Car insurance agencies are categorized either independent agents or exclusive agents. Either one can sell and service car insurance coverage, but it’s worth learning how they differ because it may have an impact on the selection process.

Independent Car Insurance Agencies

Independent agencies are not limited to a single company so they can insure your vehicles through many companies and get the cheapest rates. If they find a lower price, your policy is moved internally and you don’t have to do anything. If you are comparing rate quotes, you need to include rate quotes from several independent insurance agents to get the most accurate price comparison.

Shown below are independent agents in Oakland that may be able to give price quotes.

View more Oakland agents

Exclusive Agencies

Agents of this type can only quote rates from one company such as Allstate, AAA, Farmers Insurance, and State Farm. They generally cannot place coverage with different providers so always compare other rates. Exclusive agents are usually well trained on their products and sales techniques which helps them compete with independent agents.

The following are exclusive insurance agents in Oakland that can give you rate quotes.

View more Oakland agents

Finding the right insurance agency is decision based upon more than just a cheap price quote. Some important questions to ask are:

• Will you work with the agent or an assistant?
• Can you get a list of referrals?
• How many companies do they write for?
• If you have an accident, will your rates go up?
• Is coverage determined by price?
• Are there any discounts that you might be missing?
• Does the company allow you to choose your own collision repair facility?
• How would your car be valued if totaled?

Upon getting positive responses to any questions you may have and a good coverage price, you may have found an insurance agent that is reputable and can insure your vehicles.

Best car insurance in California

Selecting the top auto insurance company is hard considering how many different companies there are to choose from in California. The rank data in the lists below can help you choose which insurers to look at when shopping your coverage around.

Top 10 Oakland Car Insurance Companies Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. AAA of Southern California
5. Titan Insurance
6. The General
7. AAA Insurance
8. State Farm
9. Mercury Insurance
10. Nationwide

Top 10 Oakland Car Insurance Companies Ranked by Customer Service

1. AAA of Southern California
2. GEICO
3. State Farm
4. The Hartford
5. Mercury Insurance
6. The General
7. Progressive
8. Allstate
9. AAA Insurance
10. American Family

How much can you save?

Some car insurance companies may not provide the ability to get quotes online and many times these regional insurance providers provide coverage only through independent insurance agencies. Cheaper Volkswagen CC insurance in Oakland is attainable both online as well as from insurance agents, so compare prices from both in order to have the best chance of saving money.

When buying insurance coverage, it’s very important that you do not buy less coverage just to save a little money. There have been many cases where someone dropped full coverage and discovered at claim time that they should have had better coverage. Your aim should be to buy the best coverage you can find for the lowest price while not skimping on critical coverages.

You just read quite a bit of information on how to find affordable Volkswagen CC insurance in Oakland. The key concept to understand is the more companies you get rates for, the better chance you’ll have of finding the cheapest Volkswagen CC rate quotes. You may even find the lowest priced car insurance comes from a small mutual company. Smaller companies can often insure niche markets at a lower cost than their larger competitors like Allstate, GEICO and Progressive.

Steps to quoting cheaper Volkswagen CC insurance in Oakland

If saving the most money is your goal, then the best way to save money on Volkswagen CC insurance is to start comparing prices yearly from providers in Oakland. You can compare prices by following these guidelines.

1. Spend a few minutes and learn about how car insurance works and the steps you can take to lower rates. Many factors that result in higher prices such as traffic violations, accidents, and an unacceptable credit score can be controlled by making minor changes to your lifestyle.
2. Obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from one company like GEICO and State Farm, while independent agencies can quote rates from multiple sources.
3. Compare the new rates to the price on your current policy to see if a cheaper rate is available. If you find a lower rate and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
4. Provide notification to your current agent or company of your intent to cancel your current car insurance policy and submit the signed application along with the required initial payment for the new policy. As soon as coverage is bound, keep your new certificate verifying proof of insurance above your visor, in the console, or in the glove compartment.

An important bit of advice to remember is to try to use similar deductibles and liability limits on every price quote and and to get price quotes from all possible companies. Doing this provides an apples-to-apples comparison and the best rate selection.

More detailed car insurance information can be read in these articles:

• Liability Insurance Coverage (Nationwide)
• Who Has the Cheapest Oakland Car Insurance Rates for Retired Military? (FAQ)
• How Much is Car Insurance for State Employees in Oakland? (FAQ)
• What Car Insurance is Cheapest for a Ford F-150 in Oakland? (FAQ)
• Who Has the Cheapest Oakland Auto Insurance Quotes for Drivers Under 25? (FAQ)
• Who Has Cheap Auto Insurance Quotes for Police Officers in Oakland? (FAQ)
• Who Has Affordable Auto Insurance Rates for High School Students in Oakland? (FAQ)
• Booster Seat Ratings (iihs.org)
• Teen Driving and Texting (State Farm)
• Automakers compete to add autobraking (Insurance Institute for Highway Safety)
• Avoiding Deer Collisions (Insurance Information Institute)