Car Insurance Rate Quotes for a Volkswagen CC in Boston

It’s well known that auto insurance companies want to keep you from shopping around. Consumers who compare rates once a year are likely to buy a new policy because there is a great chance of finding coverage at a more affordable price. A survey found that people who compared prices regularly saved approximately $72 a month as compared to drivers who don’t regularly compare prices.

If finding the most affordable Volkswagen CC insurance is your ultimate target, then learning about how to get price quotes and compare auto insurance can make the process less intimidating.

If you want to find the absolute lowest rates, then the best way to find more affordable auto insurance rates is to do a yearly price comparison from providers that sell auto insurance in Boston.

1. Read about coverages and the modifications you can make to prevent high rates. Many factors that result in higher prices like accidents, careless driving, and a low credit score can be rectified by making small lifestyle or driving habit changes. Keep reading for instructions to find cheap prices and get bigger discounts that may have been overlooked.
2. Compare prices from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like GEICO and Allstate, while agents who are independent can give you price quotes for many different companies. View a list of agents
3. Compare the new quotes to the price on your current policy and determine if there is any savings. If you find a lower rate quote, ensure coverage does not lapse between policies.
4. Give notification to your agent or company to cancel your current coverage. Submit a completed application and payment for the new policy. When you receive it, place the new certificate verifying proof of insurance somewhere easily accessible.

The key thing to know about shopping around is to try to use identical coverage information on every price quote and and to get quotes from every insurance company. This ensures an accurate price comparison and a thorough selection of prices.

If you have a policy now, you will most likely be able to find better prices using the concepts you’re about to learn. Locating the most cost-effective insurance policy in Boston can initially seem challenging. But Massachusetts drivers can benefit by having an understanding of the way companies price online insurance because it can help you find the best coverage.

Cheapest companies for Volkswagen CC insurance in Massachusetts

The providers in the list below have been selected to offer free quotes in Massachusetts. To get cheap car insurance in Massachusetts, we recommend you visit as many as you can to find the cheapest auto insurance rates.

Rates and other information

The coverage table shown next covers a range of insurance costs for Volkswagen CC models. Having a better idea how insurance rates are determined can assist in making informed decisions.

Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Massachusetts minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Premium costs do not factor in vehicle garaging location which can revise premiums noticeably.

Insurance deductibles

One frequently asked question is how high or low should comp and collision deductibles be. The tables below show how much more rates are between low and high coverage deductibles. The first table uses a $250 physical damage deductible and the second data table uses a $1,000 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Rates do not factor in garaging location in Boston which can alter coverage prices significantly.

We can estimate from the data above that using a $250 deductible costs roughly $29 more each month or $348 for a full year than requesting the higher $1,000 deductible. Since you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you average at least 26 months between claim filings, you would save money going with the higher deductible.

Full coverage versus liability-only

The illustration below illustrates the comparison of Volkswagen CC auto insurance rates with liability coverage only compared to full coverage. The premiums assume no violations or claims, $500 deductibles, drivers are not married, and no discounts are factored in.

When to drop comprehensive and collision coverage

There isn’t a steadfast formula to stop buying comp and collision coverage, but there is a guideline you can use. If the annual cost of having full coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.

For example, let’s say your Volkswagen CC claim settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company would pay you is $5,000 after paying your deductible. If you are paying over $500 a year for your policy with full coverage, then it’s probably a good time to buy liability coverage only.

There are some situations where eliminating full coverage is not a good plan. If you still owe a portion of the original loan, you have to keep full coverage to protect the lienholder’s interest. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should keep full coverage on your policy.

Save a ton by earning discounts

Car insurance companies do not advertise all their discounts very clearly, so we break down both the well known and the more hidden discounts that you may qualify for.

• Cautious Driver Discount – Drivers who avoid accidents can get discounts for up to 45% lower rates compared to rates paid by drivers with frequent claims.
• Discount for Multiple Policies – If you have multiple policies and place coverage with the same company you could save at least 10% off all policies.
• Student Discounts – This discount may save as much as 25% on a Boston car insurance quote. This discount can apply until age 25.
• Military Deployment Discount – Having an actively deployed family member could be rewarded with lower rates.
• Senior Discount – Seniors are able to get lower premium rates.
• Federal Employees – Being employed by or retired from a federal job can save as much as 8% depending on your car insurance provider.
• Drivers Ed for Students – Teen drivers should successfully take a driver’s education course in school.
• Theft Prevention System – Cars, trucks, and SUVs optioned with advanced anti-theft systems are stolen with less frequency and qualify for as much as a 10% discount.
• E-sign Discounts – Many car insurance companies will give you a small discount just for signing your application digitally online.

Remember that most of the big mark downs will not be given to the entire policy premium. A few only apply to the cost of specific coverages such as collision or personal injury protection. Just because you may think all those discounts means the company will pay you, you aren’t that lucky. Any amount of discount should help lower the amount you have to pay.

The example below visualizes the comparison of Volkswagen CC insurance costs with and without discounts applied. The prices are based on a female driver, no violations or accidents, Massachusetts state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, multi-car, safe-driver, homeowner, and marriage discounts applied.

Companies and some of the premium reductions they offer are detailed below.

• Progressive has discounts for multi-vehicle, homeowner, good student, online signing, and multi-policy.
• The Hartford may have discounts that include vehicle fuel type, air bag, bundle, defensive driver, driver training, and anti-theft.
• Mercury Insurance has savings for annual mileage, ease of repair, location of vehicle, professional/association, and anti-theft.
• GEICO may offer discounts for federal employee, anti-theft, membership and employees, emergency military deployment, and daytime running lights.
• AAA includes discounts for multi-car, multi-policy, good driver, pay-in-full, anti-theft, and AAA membership discount.
• State Farm offers premium reductions for driver’s education, safe vehicle, Drive Safe & Save, good driver, Steer Clear safe driver discount, student away at school, and anti-theft.

Before you buy a policy, ask each insurance company how you can save money. Depending on the company, some discounts might not be offered on policies in every state. To find car insurance companies offering car insurance discounts in Boston, click here.

Six factors that determine insurance rates

Many different elements are part of the equation when pricing auto insurance. Some of the criteria are obvious like a motor vehicle report, but others are more obscure such as whether you are married and annual miles driven. Smart consumers have a good feel for the different types of things that help determine the level of your policy premiums. When consumers understand what influences your rates, this helps enable you to make changes that can help you get lower car insurance prices.

Shown below are most of the major factors used by insurance companies to determine prices.

• Annual miles is a factor – The more you drive your Volkswagen in a year the more you’ll pay to insure your vehicle. Most insurance companies apply a rate based on how the vehicle is used. Autos that sit idle most of the time cost less to insure than vehicles that have high annual mileage. It’s always a good idea to double check that your car insurance policy correctly shows how each vehicle is driven. Improper usage on your CC may be costing you.
• Little extras can really add up – There are a ton of additional extra coverages that may not really be needed if you aren’t careful. Coverages for vanishing deductibles, towing coverage, and extra life insurance coverage are examples of these. These may sound like a good investment when you first buy your policy, but if you have no use for them consider taking them off your policy.

• Obey driving laws and save – Just one citation can increase the cost of insurance by as much as twenty percent. Attentive drivers get better prices as compared to careless drivers. Drivers who have gotten multiple tickets like DUI or reckless driving might be required by their state to maintain a SR-22 with their state in order to keep their license.

  The illustration below shows how traffic citations and at-fault collisions influence Volkswagen CC insurance costs for each different age category. The information is based on a married female driver, full coverage, $100 deductibles, and no policy discounts are applied.

• When should you not file car insurance claims? – If you tend to file frequent claims, you should expect either higher rates or even cancellation. Car insurance companies in Massachusetts generally give most affordable rates to policyholders that do not abuse their auto insurance. Auto insurance is intended for claims that you cannot pay yourself.

• Battle of the sexes – Statistics have proven that females take fewer risks when driving. Now that doesn’t mean women are better drivers. Both sexes tend to get into at-fault accidents in similar percentages, but males cause more damage and cost insurance companies more money. Not only that, but men also receive more major tickets like DWI (DUI) or reckless driving. Male teenagers tend to get in the most accidents and therefore have the most expensive car insurance rates.

  The illustration below compares Volkswagen CC insurance premiums for male and female drivers. Data assumes no claims or driving violations, comprehensive and collision coverage, $100 deductibles, marital status is single, and no discounts are applied to the premium.

• Multiple policies with one company – Some companies allow lower prices to customers who buy several policies from them, otherwise known as a multi-policy discount. Even if you’re getting this discount consumers should still compare other Boston CC insurance rates to guarantee you are still saving the most. Consumers may find lower rates even if you insure with multiple companies

• Insurance losses for a Volkswagen CC – Insurers use historical loss data as a way to help calculate a profitable premium rate. Models that tend to have higher frequency or amount of claims will have a higher premium rate. The table below outlines the actual insurance loss data for Volkswagen CC vehicles.

  For each insurance policy coverage type, the loss probability for all vehicles as a whole is a value of 100. Percentage values below 100 are indicative of better than average losses, while values that are above 100 indicate more frequent losses or larger claims.

  
  

  Insurance Loss Ratings for Volkswagen CC Vehicles

  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

  BETTER

  AVERAGE

  WORSE

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

Neighborhood insurance agents

Many drivers still like to sit down with an agent and that is a smart decision The biggest benefit of price shopping on the web is you may find lower rates and also buy local. And buying from local insurance agents is important particularly in Boston.

Upon completion of this quick form, your insurance data is transmitted to local insurance agents who will give you quotes for your insurance coverage. You don’t have to even leave your home since price quotes are sent straight to your inbox. You can find better rates AND an agent nearby. If you need to get a rate quote from a particular provider, just find their quoting web page and give them your coverage information.

If you prefer to buy insurance from a reliable agent, it’s helpful to know the types of insurance agents from which to choose. Insurance agents in Boston can be described as either independent agents or exclusive agents.

Independent Insurance Agencies

Agents in the independent channel are not limited to a single company so as a result can place your coverage with an assortment of companies enabling the ability to shop coverage around. If premiums increase, they simply move your policy to a different company and you stay with the same agent.

If you need cheaper insurance rates, you will want to include rate quotes from at a minimum one independent agency to have the most options to choose from.

Listed below is a partial list of independent insurance agencies in Boston who can help you get competitive price quotes.

More insurance agents

Exclusive Agents

Agents that elect to be exclusive can usually just insure with one company and some examples include State Farm, Allstate and AAA. Exclusive agents cannot provide prices from multiple companies so they are skilled at selling on more than just price. Exclusive agencies are highly trained in insurance sales which helps offset the inability to provide other markets.

Below is a short list of exclusive agents in Boston who can help you get comparison quotes.

More insurance agents

Picking a insurance agency requires you to look at more than just a cheap quote. The answers to these questions are important, too.

• Does the agent have a valid license to sell insurance in Massachusetts?
• Do they have any clout with companies to ensure a fair claim settlement?
• Which companies do they recommend if they are an independent agency?
• Do the coverages you’re quoting properly cover your vehicle?
• Can you use your own choice of collision repair facility?
• What are the financial ratings for the companies they represent?
• Do they assist clients in filing claims?
• Is coverage determined by price?

After talking to the agent and getting answers to your satisfaction to all your questions and a low price estimate, you may have just found a car insurance agent that can be relied on to properly insure your vehicles.

Don’t give up on affordable premiums

When trying to cut insurance costs, you should never buy less coverage just to save a little money. There have been many situations where drivers have reduced liability limits or collision coverage only to regret they didn’t have enough coverage. Your goal is to buy a smart amount of coverage at the best cost, not the least amount of coverage.

You just read a lot of techniques to save on Volkswagen CC insurance in Boston. The key thing to remember is the more rate quotes you have, the better likelihood of getting low cost Boston car insurance quotes. You may even find the most savings is with the smaller companies. Some small companies may cover specific market segments cheaper than the large multi-state companies such as Allstate and Progressive.

For more information, take a look at the resources below:

• Distracted Driving (Insurance Information Institute)
• Who Has Cheap Auto Insurance Rates for a Nissan Rogue in Boston? (FAQ)
• Who Has the Cheapest Car Insurance for a Chevrolet Equinox in Boston? (FAQ)
• Who Has Cheap Car Insurance Rates for Business Use in Boston? (FAQ)
• Prom Night Tips for Teen Drivers (State Farm)
• Collision Coverage (Liberty Mutual)
• Child Safety Seats (Insurance Information Institute)