Compare Volkswagen CC Insurance Rates in Plano

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Regrettably, most insurance policyholders have purchased from the same company for well over three years, and almost half have never compared quotes from other companies. Many drivers in Plano could save themselves up to 70% a year by just comparing quotes, but most undervalue how much money they would save if they switch to a new company.

Insurance quote for Volkswagen CC in PlanoTo save the most money, the best way to find low-cost prices for Volkswagen CC insurance is to compare prices at least once a year from insurers in Plano. You can compare rates by completing these steps.

  • Step 1: Get a basic knowledge of how insurance companies determine prices and the things you can change to lower rates. Many factors that drive up the price such as at-fault accidents, careless driving, and poor credit history can be eliminated by making lifestyle changes or driving safer.
  • Step 2: Compare rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from a single company like Progressive and State Farm, while independent agents can provide rate quotes from multiple companies.
  • Step 3: Compare the new rates to your current policy premium to see if switching to a new carrier will save money. If you find better rates and decide to switch, make sure there is no lapse in coverage.

One tip to remember is to try to compare the same level of coverage on every quote request and and to get rate quotes from every insurance company. This ensures the most accurate price comparison and a good representation of prices.

Finding the cheapest car insurance coverage in Plano is easy if you know what you're doing. In a nutshell, every vehicle owner who quotes car insurance will probably be able to cut their insurance bill. But Texas vehicle owners do need to learn how companies sell online because rates are impacted by many factors.

Just keep in mind that quoting more helps increase your odds of locating a lower rate than you're paying now. Some companies don't provide Plano CC insurance quotes over the internet, so you need to compare rates from them, too.

The providers in the list below have been selected to offer free quotes in Texas. If your goal is to find cheaper auto insurance in Plano, we suggest you get prices from several of them to get a more complete price comparison.

Volkswagen CC coverage statistics

The information below covers detailed analysis of coverage prices for Volkswagen CC models. Having a good understanding how insurance rates are formulated can help customers make informed decisions when shopping around for a new policy.

Volkswagen CC Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CC Sport 4-Dr Coupe $422 $698 $500 $30 $150 $1,800 $150
CC Luxury 4-Dr Coupe $422 $698 $500 $30 $150 $1,800 $150
CC VR6 Sport 4-Dr Coupe $470 $804 $500 $30 $150 $1,954 $163
CC VR6 Motion 4-Dr Coupe $470 $804 $500 $30 $150 $1,954 $163
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Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Price information does not factor in zip code location which can change premiums considerably.

Rate comparison for different deductibles

One of the most common auto insurance questions is how high should the physical damage coverage deductibles be. The comparisons below summarize the price difference of buying low and high physical damage coverage deductibles. The first price estimate table uses a $250 comprehensive and collision deductible and the second set of rates uses a $500 deductible.

Volkswagen CC insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CC Sport 4-Dr Coupe $332 $584 $382 $22 $114 $1,459 $122
CC Luxury 4-Dr Coupe $332 $584 $382 $22 $114 $1,459 $122
CC VR6 Sport 4-Dr Coupe $370 $672 $382 $22 $114 $1,585 $132
CC VR6 Motion 4-Dr Coupe $370 $672 $382 $22 $114 $1,585 $132
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Volkswagen CC insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CC Sport 4-Dr Coupe $270 $472 $382 $22 $114 $1,260 $105
CC Luxury 4-Dr Coupe $270 $472 $382 $22 $114 $1,260 $105
CC VR6 Sport 4-Dr Coupe $300 $542 $382 $22 $114 $1,360 $113
CC VR6 Motion 4-Dr Coupe $300 $542 $382 $22 $114 $1,360 $113
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Price information does not factor in Plano location which can change insurance rates greatly.

Based on this data, using a $250 deductible will cost you roughly $18 more each month or $216 each year averaged for all CC models than selecting the higher $500 deductible. Because you would pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to average at least 14 months between claims, you would most likely save money going with the higher deductible.

Volkswagen CC annual premiums for males versus females

The information below shows the difference between Volkswagen CC insurance costs for male and female drivers. The costs are based on no claims, a clean driving record, comprehensive and collision coverage, $250 deductibles, drivers are not married, and no discounts are applied to the premium.

Score discounts on Plano auto insurance

Companies do not list every possible discount in a way that's easy to find, so the list below details a few of the more common as well as some of the hidden discounts that you may qualify for. If they aren't giving you every credit you deserve, you are not getting the best rate possible.Cheaper auto insurance with discounts

  • Plano Homeowners Pay Less - Owning a house in Plano can help you save on auto insurance due to the fact that maintaining a home requires a higher level of personal finance.
  • First Accident Forgiveness - Not really a discount, but some companies like Allstate and GEICO allow you one accident without raising rates so long as you haven't had any claims for a specific time period.
  • Discounts for Safe Drivers - Drivers without accidents can save as much as half off their rates as compared to drivers with claims.
  • Paperwork-free - Many insurance companies may give you up to $50 for buying a policy and signing up on the internet.
  • Low Mileage Discounts - Maintaining low annual mileage can qualify you for better rates on cars that stay parked.

Just know that most of the big mark downs will not be given to the entire cost. Most cut the price of certain insurance coverages like comprehensive or collision. So even though it sounds like having all the discounts means you get insurance for free, that's just not realistic. But all discounts will help lower the cost of coverage.

The chart below illustrates the comparison of Volkswagen CC annual premium costs with and without discounts applied to the policy premium. The data is based on a female driver, no claims or driving violations, Texas 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 safe-driver, claim-free, multi-policy, multi-car, marriage, and homeowner discounts applied.

Car insurance companies who might offer these discounts are:

Before purchasing a policy, check with every company which discounts they offer. All car insurance discounts might not apply in every state. To see providers who offer free Volkswagen CC insurance quotes in Texas, click here to view.

Buying the right vehicle insurance in Texas is an important decision

Despite the high cost, buying car insurance is required for several reasons.

  • The majority of states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a specific level of liability protection if you don't want to risk a ticket. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If you bought your vehicle with a loan, almost every bank will stipulate that you have full coverage to guarantee their interest in the vehicle. If you default on your policy, the bank or lender will purchase a policy for your Volkswagen at a much higher rate and force you to reimburse them a much higher amount than you were paying before.
  • Car insurance protects both your vehicle and your assets. It also can pay for all forms of medical expenses for yourself as well as anyone injured by you. One policy coverage, liability insurance, will also pay attorney fees if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, your policy will cover the damage repairs after a deductible is paid.

The benefits of insuring your car greatly outweigh the cost, particularly if you ever have a claim. Today the average American driver overpays more than $850 per year so you should quote and compare rates every year to ensure rates are inline.

Local neighborhood Plano car insurance agents

Many drivers prefer to talk to a local agent and doing so can bring peace of mind An additional benefit of comparing rate quotes online is that you can find the lowest rates but still work with a licensed agent.

Insurance agents in PlanoTo find an agent, once you fill out this short form, the quote information is transmitted to local insurance agents who will give competitive quotes and help you find cheaper coverage. You never need to contact any agents since rate quotes are delivered to your email. You can get cheaper car insurance rates without the usual hassles of price shopping. If for some reason you want to quote rates from a specific car insurance provider, feel free to search and find their rate quote page and fill out their quote form.

Choosing an provider shouldn't rely on just a low price. The questions below may impact your decision as well.

  • How long has their agency been in business in Plano?
  • Is the coverage adequate for your vehicle?
  • Are they able to influence company decisions when a claim is filed?
  • How many companies do they write for?
  • When do they do a full risk review?
  • Who are their largest clients?
  • Is the agency active in community causes in Plano?

Auto insurance specifics

Understanding the coverages of your policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. This coverage pays for hospital bills for your injuries as well as damage to your Volkswagen CC.

Because many people only carry the minimum required liability limits (Texas limits are 30/60/25), it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for chiropractic care, EMT expenses and prosthetic devices. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverage protection

This coverage pays for damage to your CC resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as colliding with a tree, colliding with another moving vehicle, damaging your car on a curb and rolling your car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible on your CC to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as a broken windshield, damage from getting keyed and hitting a bird. The most your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Auto liability insurance

This coverage protects you from injuries or damage you cause to other's property or people in an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 30/60/25 which means a $30,000 limit per person for injuries, a limit of $60,000 in injury protection per accident, and $25,000 of coverage for damaged property.

Liability coverage pays for things such as funeral expenses, medical services and bail bonds. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible. Texas state minimum liability requirements are 30/60/25 but you should consider buying higher limits.

The chart below demonstrates why buying low liability limits may not provide you with enough coverage.