It’s an obvious conclusion that car insurance companies want to keep you from comparing rates. Consumers who shop for lower rates are inclined to buy a different policy because there is a high probability of finding better rates. A study showed that people who did price comparisons regularly saved about $70 a month compared to those who never shopped for cheaper rates.
If finding the lowest rates on auto insurance is your intention, then understanding how to find and compare auto insurance can make the process more efficient.
The most effective way to get affordable Volkswagen CC insurance in Irvine is to compare prices annually from companies in California.
First, read and learn about what is in your policy and the modifications you can make to keep rates low. Many risk factors that result in higher prices like getting speeding tickets and bad credit can be amended by paying attention to minor details. This article provides the details to help keep rates affordable and find additional discounts you may qualify for.
Second, get rate quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only provide price estimates from a single company like GEICO or Allstate, while independent agencies can provide price quotes from multiple companies.
Third, compare the new rate quotes to your current policy premium and see if there is a cheaper rate in Irvine. If you find a better price and make a switch, ensure coverage does not lapse between policies.
Fourth, provide proper notification to your current company of your intent to cancel your current car insurance policy. Submit the completed application along with a down payment to your new insurance company. Once the paperwork is finalized, store the certificate of insurance in an accessible location in your vehicle.
The most important part of shopping around is that you’ll want to compare identical limits and deductibles on every price quote and and to get quotes from as many carriers as you can. This helps ensure a fair price comparison and the best price quote selection.
If you have insurance now or just want to save money, you can use these tips to shop for the lowest rates without reducing protection. Buying the cheapest car insurance in Irvine is easy if you know what you’re doing. Vehicle owners just have to understand the most effective way to compare rate quotes from multiple carriers.
Getting cheap insurance pricing is surprisingly easy. All you need to do is spend a few minutes to get quotes from different insurance companies.
Comparison shopping price quotes online is easy and it makes it obsolete to waste gas driving to local Irvine insurance agencies. Comparing online rate quotes eliminates this option unless your situation requires the trained advice only provided by licensed Irvine agents. You can, however, comparison shop your insurance online and have a local agent actually service the policy.
The companies in the list below can provide free quotes in Irvine, CA. If you want cheap auto insurance in Irvine, we suggest you click on several of them to find the cheapest car insurance rates.
Premium rates and analysis
The rate table shown below outlines different insurance coverage prices for Volkswagen CC models. Having a better idea how insurance premiums are determined can assist in making smart choices when purchasing an auto insurance policy.
| 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 | $216 | $392 | $456 | $26 | $136 | $1,226 | $102 |
| CC VR6 Sport 4-Dr Coupe | $242 | $452 | $456 | $26 | $136 | $1,312 | $109 |
| CC VR6 Motion 4-Dr Coupe | $242 | $452 | $456 | $26 | $136 | $1,312 | $109 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Information does not factor in the specific area where the vehicle is garaged which can modify prices noticeably.
Car insurance deductibles
One common question asked by Irvine drivers is how high should the physical damage deductibles be. The tables below illustrate the costs and benefits between high and low comp and collision deductibles. The first price estimate table uses a $100 comprehensive and collision deductible and the second set of prices uses a $1,000 deductible.
| 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 |
| Get Your Own Custom Quote Go | |||||||
| 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 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Information does not factor in Irvine location which can lower or raise premiums substantially.
Based on these figures, using a $100 deductible costs roughly $54 more each month or $648 each year averaged for all CC models than requesting the higher $1,000 deductible. Since you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at a minimum 17 months between claim filings, you would probably come out ahead by selecting a higher deductible.
Insuring your Volkswagen CC just makes sense
Despite the fact that auto insurance is not cheap in Irvine, paying for auto insurance is required in California but also provides important benefits.
- Most states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a specific minimum amount of liability coverage in order to drive the car. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your Volkswagen has a loan, it’s most likely the lender will stipulate that you have insurance to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the bank may insure your Volkswagen at a more expensive rate and force you to reimburse them the higher price.
- Insurance safeguards not only your car but also your financial assets. Insurance will also pay for medical bills for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, also pays for attorney fees and expenses if you are sued as the result of your driving. If mother nature or an accident damages your car, your policy will pay all costs to repair after the deductible has been paid.
The benefits of having insurance greatly outweigh the cost, specifically if you ever have a liability claim. As of last year, the average driver in California overpays more than $855 a year so it’s recommended you shop around once a year at a minimum to ensure rates are competitive.
When should I discuss my situation with an agent?
When selecting the right insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is a little different.
Here are some questions about coverages that can help discover whether you might need professional guidance.
- Where can I get insurance after a DUI in California?
- What is the difference between personal and commercial auto insurance policies?
- What are the financial responsibility laws in my state?
- Is other people’s property covered if stolen from my vehicle?
- Am I missing any policy discounts?
- Should I waive the damage coverage when renting a car?
- Why do I have to buy liability insurance?
- Where can I find DUI or SR-22 insurance?
- What does medical payments cover?
If you can’t answer these questions but one or more may apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form. It’s fast, free and can help protect your family.
Insurance coverage basics
Having a good grasp of a insurance policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.
Auto collision coverage
This coverage covers damage to your CC caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.
Collision coverage protects against things like scraping a guard rail, colliding with another moving vehicle and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible on your CC to bring the cost down.
Medical costs insurance
Med pay and PIP coverage pay for immediate expenses for things like pain medications, dental work, chiropractic care and doctor visits. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage
Comprehensive or Other Than Collision
This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage protects against things like hail damage, falling objects and damage from getting keyed. The maximum amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
UM/UIM Coverage
This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.
Since many California drivers only carry the minimum required liability limits (15/30/5), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.
Auto liability insurance
Liability coverage protects you from damage that occurs to people or other property. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 15/30/5 that means you have a limit of $15,000 per injured person, a total of $30,000 of bodily injury coverage per accident, and property damage coverage for $5,000.
Liability coverage pays for things like pain and suffering, legal defense fees, medical services and repair bills for other people’s vehicles. How much coverage you buy is up to you, but consider buying higher limits if possible. California state law requires minimum liability limits of 15/30/5 but you should think about purchasing more liability than the minimum.
The illustration below demonstrates why buying the state minimum limits may not be enough.
Cheap insurance premiums are possible
As you quote Irvine car insurance, don’t be tempted to buy poor coverage just to save money. There are many occasions where consumers will sacrifice comprehensive coverage or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your goal is to buy enough coverage at the best price, not the least amount of coverage.
Discount Volkswagen CC insurance in Irvine can be found online in addition to local insurance agencies, and you need to comparison shop both in order to have the best chance of saving money. Some insurance providers may not offer rate quotes online and these small insurance companies sell through independent insurance agencies.
We just showed you a lot of techniques to reduce Volkswagen CC insurance car insurance rates online in Irvine. It’s most important to understand that the more companies you get premium rates for, the higher the chance of saving money. You may even be surprised to find that the most savings is with a small mutual company.
Much more information about insurance in California can be read at the links below
- State Laws for Cellphones and Texting (iihs.org)
- Who Has the Cheapest Car Insurance for a GMC Sierra in Irvine? (FAQ)
- Who Has Affordable Car Insurance Rates for a Dodge Ram in Irvine? (FAQ)
- Who Has Cheap Car Insurance Quotes for Drivers with Bad Credit in Irvine? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for 16 Year Olds in Irvine? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for College Students in Irvine? (FAQ)
- Shopping for a Safe Car (Insurance Information Institute)
- Teen Driving Statistics (GEICO)
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- Understanding Limits and Deductibles (Allstate)