The best way to get the cheapest Volkswagen CC insurance is to compare prices at least once a year from insurers that sell auto insurance in Chula Vista.
First, get a basic knowledge of individual coverages and the modifications you can make to keep rates low. Many things that drive up the price such as accidents, traffic violations, and poor credit rating can be remedied by being financially responsible and driving safely. Later in this article we will cover additional ideas to prevent high prices and get additional discounts.
Second, obtain price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can provide rates from a single company like GEICO or Allstate, while agents who are independent can provide prices from multiple insurance companies. Select a company
Third, compare the new quotes to your existing policy and determine if cheaper CC coverage is available. If you can save some money, make sure coverage does not lapse between policies.
Fourth, provide notification to your current agent or company of your intent to cancel your current auto insurance policy and submit a down payment along with a completed application to your new company or agent. When you receive it, store the proof of insurance paperwork somewhere easily accessible.
One key aspect of rate comparisons is that you’ll want to compare identical deductibles and limits on every quote and and to look at as many companies as you can. This ensures a level playing field and many rates to choose from.
We don’t have to tell you that insurance companies don’t want you to look at other companies. People who shop rates annually are inclined to buy a different policy because they have good chances of getting low-cost coverage. Surprisingly, a recent survey revealed that consumers who regularly shopped around saved about $3,500 over four years compared to other drivers who never shopped for cheaper rates.
If finding the best price on Volkswagen CC insurance in Chula Vista is your target objective, then knowing how to shop and compare car insurance can help make the process easier and more efficient.
If you currently have insurance, you will most likely be able to lower your rates using the concepts you’re about to learn. Quoting the best policy in Chula Vista is quite easy. But California vehicle owners must know how companies sell insurance online because rates fluctuate considerably.
Cheapest companies for Volkswagen CC insurance
The companies shown below can provide price comparisons in Chula Vista, CA. If you wish to find cheap auto insurance in CA, it’s a good idea that you visit two to three different companies to get the cheapest price.
Insurance coverage details
The data table below showcases a range of rate quotes for Volkswagen CC models. Having a better understanding of how car insurance prices are formulated can assist in making smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CC Sport 4-Dr Coupe | $304 | $536 | $450 | $26 | $134 | $1,450 | $121 |
| CC Luxury 4-Dr Coupe | $304 | $536 | $450 | $26 | $134 | $1,450 | $121 |
| CC VR6 Sport 4-Dr Coupe | $338 | $616 | $450 | $26 | $134 | $1,564 | $130 |
| CC VR6 Motion 4-Dr Coupe | $338 | $616 | $450 | $26 | $134 | $1,564 | $130 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Information does not factor in specific Chula Vista garaging location which can influence premium rates considerably.
Policy deductibles
One frequently asked question is which comprehensive and collision deductibles to buy. The tables below approximate the rate difference when you choose different insurance deductibles. The first rate estimation uses a $250 physical damage deductible and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CC Sport 4-Dr Coupe | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| CC Luxury 4-Dr Coupe | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| CC VR6 Sport 4-Dr Coupe | $430 | $780 | $442 | $26 | $132 | $1,835 | $153 |
| CC VR6 Motion 4-Dr Coupe | $430 | $780 | $442 | $26 | $132 | $1,835 | $153 |
| 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 | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Premium amounts do not factor in your specific Chula Vista location which can revise price quotes greatly.
Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you approximately $38 more each month or $456 annually averaged for all CC models than opting for the higher $1,000 deductible. Because you would be required to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you go more than 20 months between claims, you would save money if you choose the higher deductible.
Calculation for determining deductible levels
| Average monthly premium for $250 deductibles: | $147 |
| Average monthly premium for $1,000 deductibles (subtract): | – $109 |
| Monthly savings from raising deductible: | $38 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $38 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 20 months |
One important issue to know is that higher deductibles results in a higher out-of-pocket expense when you have a claim. It will be required that you have enough money in the bank in the event you have to pay the deductible to have repairs made.
Males versus Females
The diagram below shows the difference between Volkswagen CC car insurance costs for male and female drivers. The rates are based on no claims or driving citations, comprehensive and collision coverage, $250 deductibles, single status, and no discounts are applied.
Full coverage rates compared to liability-only
The diagram below shows the comparison of Volkswagen CC premium costs with full physical damage coverage and with liability coverage only. Data assumes no claims, a clean driving record, $100 deductibles, single marital status, and no policy discounts are applied.
When to drop full coverage
There is no exact formula that is best for determining when to drop full coverage on your policy, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than around 10% of the settlement you would receive from your company, then it may be the right time to buy liability only.
For example, let’s pretend your Volkswagen CC replacement cost is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $4,000 after paying your policy deductible. If premiums are more than $400 annually for comprehensive and collision coverage, then it could be time to drop full coverage.
There are some circumstances where eliminating full coverage is not financially feasible. If you haven’t paid off your loan, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should keep full coverage.
Volkswagen CC insurance discounts in Chula Vista
Some insurers don’t always list every discount available in an easy-to-find place, so we researched a few of the more well known as well as some of the hidden credits that you can use to lower your rates.
- Driving Data Discount – Insureds that choose to allow driving data collection to look at when and where they use their vehicle by installing a telematics device such as Progressive’s Snapshot could possibly reduce rates if they are good drivers.
- Military Deployment Discount – Being on active deployment in the military may lower your insurance rates slightly.
- Save with More Vehicles Insured – Drivers who insure several vehicles with the same insurance company may reduce the rate for each vehicle.
- No Charge for an Accident – Not necessarily a discount, but a few companies such as GEICO and Liberty Mutual allow you one accident before hitting you with a surcharge so long as you are claim-free prior to the accident.
- Theft Prevention System – Anti-theft and alarm system equipped vehicles prevent vehicle theft and will save you 10% or more on CC insurance in Chula Vista.
- Bundle and Save – If you insure your home and vehicles and insure them with the same company you could save 10% to 20% off each policy.
- Membership in Organizations – Joining a professional or civic organization is a good way to get lower rates when getting a Chula Vista car insurance quote.
- Low Mileage Discounts – Maintaining low annual mileage may enable drivers to earn discounted premium rates on garaged vehicles.
- Drivers Ed for Students – Have your child enroll in driver’s education in school or through a local driver safety program.
- Good Student – Excelling in school may save you up to 25%. This discount can apply up until you turn 25.
Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to all coverage premiums. A few only apply to specific coverage prices like collision or personal injury protection. So when it seems like you could get a free insurance policy, insurance companies wouldn’t stay in business.
The diagram below illustrates the comparison of Volkswagen CC insurance costs with and without discounts applied to the premium. The data assumes a female driver, no violations or claims, California 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 multi-policy, safe-driver, homeowner, marriage, multi-car, and claim-free discounts applied.
To choose companies that offer multiple discounts in California, click here to view.
Get rate quotes but buy from a neighborhood Chula Vista auto insurance agent
A small number of people just prefer to have an agent’s advice and there is nothing wrong with that. One of the great benefits of comparing rates online is the fact that you can find cheaper prices and still choose a local agent. Buying from local insurance agencies is important especially in Chula Vista.
After completing this form (opens in new window), your coverage information is sent to participating agents in Chula Vista who will give competitive quotes to get your business. You don’t have to search for any insurance agencies because quoted prices will be sent to your email. It’s the lowest rates without a big time investment. In the event you want to get a comparison quote from a specific insurance provider, you can always jump over to their website and complete a quote there.
Chula Vista auto insurance agents come in two flavors
If you are searching for a reputable agency, it helps to know the two different types of agents that differ in how they can insure your vehicles. Agents can be classified as either independent agents or exclusive agents depending on their employer.
Independent Insurance Agents
These type of agents are appointed with more than one company and that gives them the ability to insure through lots of different companies depending on which coverage is best. If you want to switch companies, the agent simply finds a different carrier and that require little work on your part. When shopping rates, you definitely need to check rates from independent agents to have the best price comparison. Most have the option of insuring with mutual insurance companies that can offer cheaper rates than bigger companies.
The following are independent insurance agents in Chula Vista that may be able to give you free rate quotes.
- L A Insurance
202 Broadway – Chula Vista, CA 91910 – (619) 476-1800 – View Map - Elect Insurance Center
1229 Third Ave c – Chula Vista, CA 91911 – (619) 425-3532 – View Map - California Brokerage Insurance
355 K St – Chula Vista, CA 91911 – (619) 420-8888 – View Map
Exclusive Insurance Agents
These agents can only write with one company and some examples include Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agencies are unable to compare other company’s rates so they really need to provide good service. Exclusive agents are very knowledgeable in insurance sales and that enables them to sell even at higher rates. Some people will only use the same agent partially due to the prominent brand name rather than having the cheapest rates.
Listed below is a list of exclusive insurance agencies in Chula Vista willing to provide comparison quotes.
- Mark G Witcher – State Farm Insurance Agent
945 Otay Lakes Rd k – Chula Vista, CA 91913 – (619) 656-4200 – View Map - Lee Meyer – State Farm Insurance Agent
826 Starboard St – Chula Vista, CA 91914 – (619) 656-5020 – View Map - Allstate Insurance: Brian Konishi
45 Third Ave Ste 104 – Chula Vista, CA 91910 – (619) 426-6580 – View Map
Picking an insurance agent should include more criteria than just the price. These are valid questions to ask:
- What discounts might you be missing?
- How much experience to they have in personal lines coverages?
- Where would glass claims be handled in Chula Vista?
- Do they offer claims assistance after hours?
- Can they provide you with a list of referrals?
- Do they have a Better Business Bureau rating in Chula Vista?
- Do they see any coverage gaps in your plan?
If you get good feedback to your questions and an affordable coverage quote, chances are good that you have found an insurance agency that meets the criteria to properly insure your vehicles. But remember, you are entitled to cancel your coverage any time you want so never feel that you are obligated to any particular company for the entire policy term.
California car insurance companies
Choosing the top insurer can be rather challenging considering how many different companies insure vehicles in California. The ranking information shown below may help you pick which providers to look at shopping your coverage with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Tailor your auto insurance coverage to you
When it comes to buying insurance from an agent or online, there isn’t really a best way to insure your cars. Your needs are unique to you.
Here are some questions about coverages that could help you determine if your insurance needs could use an agent’s help.
- Do I have newly-acquired coverage?
- If my Volkswagen CC is totaled, can I afford another vehicle?
- Should I put collision coverage on all my vehicles?
- Are there any extra discounts I can get?
- Exactly who is provided coverage by my policy?
- Am I covered if I drive in a foreign country?
- Am I covered if I break a side mirror?
If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form.
Learn about auto insurance coverages for a Volkswagen CC
Understanding the coverages of your auto insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.
Insurance for medical payments
Coverage for medical payments and/or PIP kick in for short-term medical expenses like rehabilitation expenses, X-ray expenses, dental work, pain medications and EMT expenses. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage
Comprehensive coverage (or Other than Collision)
Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things such as falling objects, vandalism, damage from getting keyed, a tree branch falling on your vehicle and fire damage. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Collision protection
Collision coverage covers damage to your CC resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against things like rolling your car, backing into a parked car and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible on your CC to save money on collision insurance.
Uninsured Motorist or Underinsured Motorist insurance
Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family and also any damage incurred to your Volkswagen CC.
Because many people only purchase the least amount of liability that is required (15/30/5 in California), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these coverages do not exceed the liability coverage limits.
Coverage for liability
Liability coverage will cover damage that occurs to other’s property or people in an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 15/30/5 that translate to $15,000 in coverage for each person’s injuries, a limit of $30,000 in injury protection per accident, and property damage coverage for $5,000. Another option is one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability coverage protects against things like medical services, medical expenses, legal defense fees, bail bonds and attorney fees. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford. California state law requires minimum liability limits of 15/30/5 but you should think about purchasing higher limits.
The chart below shows why buying minimum limits may not be adequate.
Quote. Compare. Save.
Lower-priced Volkswagen CC insurance in Chula Vista can be bought from both online companies in addition to local insurance agencies, so you should be comparing quotes from both to have the best chance of lowering rates. Some auto insurance companies may not offer online rate quotes and many times these regional carriers sell through independent insurance agents.
We’ve covered quite a bit of information on how to shop for Volkswagen CC insurance online. It’s most important to understand that the more quotes you get, the better your comparison will be. Consumers may even find the biggest savings come from a lesser-known regional company.
People leave their current company for a number of reasons such as delays in responding to claim requests, unfair underwriting practices, being labeled a high risk driver or delays in paying claims. It doesn’t matter why you want to switch choosing a new insurance company is pretty easy and you might even save some money in the process.
To learn more, feel free to browse the articles below:
- Property Damage Coverage (Liberty Mutual)
- What Insurance is Cheapest for Drivers with a Bad Driving Record in Chula Vista? (FAQ)
- Who Has the Cheapest Auto Insurance for College Students in Chula Vista? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Drivers Under 25 in Chula Vista? (FAQ)
- What Car Insurance is Cheapest for a Hyundai Sonata in Chula Vista? (FAQ)
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
- Teen Driver Statistics (Insurance Information Institute)