Cheapest Rates for Volkswagen CC Insurance in Bakersfield

Sadly, nearly 70% of consumers have remained with the same insurance company for over three years, and just under half have never compared rates from other carriers. Many drivers in the United States could save as much as $850 each year by just comparing rate quotes, but they underestimate the rate savings if they switched.

The most effective way to get affordable Volkswagen CC insurance is to annually compare prices from insurers in Bakersfield. Prices can be compared by following these steps.

• First, try to learn about individual coverages and the things you can change to drop your rates. Many policy risk factors that result in higher rates such as inattentive driving and poor credit history can be rectified by making minor changes to your lifestyle.
• Second, quote rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only quote rates from a single company like GEICO and State Farm, while agents who are independent can give you price quotes for many different companies.
• Third, compare the new quotes to your current policy premium and see if you can save money. If you can save some money and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.
• Fourth, give notification to your current company of your intention to cancel your current policy and submit a down payment and signed policy application for your new policy. As soon as coverage is bound, keep the new certificate of insurance with your vehicle’s registration.

A tip to remember is to try to use similar deductibles and liability limits on each quote request and and to get price quotes from as many companies as you can. This helps ensure a fair price comparison and a good representation of prices.

Locating the most cost-effective insurance policy in Bakersfield is really not that difficult. If you have insurance now, you will surely be able to save money using the tips covered below. Comparison shoppers just have to learn the quickest method to compare price quotes using one simple form.

The following companies provide comparison quotes in Bakersfield, CA. If multiple providers are shown, we suggest you compare several of them to get a more complete price comparison.

Save with these five discounts on Volkswagen CC insurance in Bakersfield

Insurance can be prohibitively expensive, but you may find discounts that can help lower your rates. Some discounts will apply when you purchase, but a few need to be specially asked for in order for you to get them.

• Theft Deterrent System – Cars optioned with advanced anti-theft systems have a lower chance of being stolen and can earn a small discount on your policy.
• Senior Citizens – If you qualify as a senior citizen, you may be able to get lower premium rates.
• Savings for New Vehicles – Buying a new car instead of a used CC can save you some money since new model year vehicles have better safety ratings.
• Defensive Driving Course – Participating in a driver safety class could save 5% or more if your company offers it.
• ABS Braking Discount – Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.

You can save money using discounts, but most discount credits are not given to the whole policy. Some only reduce the price of certain insurance coverages like comp or med pay. So even though you would think adding up those discounts means a free policy, nobody gets a free ride.

The chart below illustrates the difference between Volkswagen CC annual premium costs with and without discounts applied to the policy rates. The rate quotes are based on a male driver, no violations or accidents, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, claim-free, multi-policy, safe-driver, and homeowner discounts applied.

Companies that may offer policyholders some of the discounts shown above include:

• State Farm
• American Family
• AAA
• GEICO
• Mercury Insurance
• Farmers Insurance
• Progressive

If you are trying to find affordable Volkswagen CC insurance quotes, ask each company or agent which discounts can lower your rates. All car insurance discounts may not apply in your area.

Rate information and statistics

The premium information displayed below showcases a range of insurance premium costs for Volkswagen CC models. Learning how rates are established can be valuable when making smart choices when selecting a coverage provider.

Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Price information does not factor in specific zip code location which can increase or decrease premiums greatly.

Choosing deductibles

A question often asked by Bakersfield drivers is how high should the deductibles for physical damage be. The figures shown below sum up how much more you’ll pay when you choose different deductibles. The first price estimate table uses a $250 deductible for comp and collision and the second pricing table uses a $500 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Rate information does not factor in zip code location which can influence auto insurance rates noticeably.

Based on the data above, we can derive that using a $250 deductible will cost in the ballpark of $20 more each month or $240 each year across all Volkswagen CC models than choosing the higher $500 deductible. Because you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to go at least 13 months between claim filings, you would save more money if you elect the higher deductible.

The chart below demonstrates how deductible levels and can affect Volkswagen CC insurance premiums for different age groups. The prices are based on a married male driver, comprehensive and collision coverage, and no discounts are factored in.

Rate comparison of full coverage and liability-only

The chart below visualizes the comparison of Volkswagen CC insurance costs with full physical damage coverage and with liability coverage only. The premiums assume no accidents, no driving violations, $250 deductibles, marital status is single, and no policy discounts are applied.

Guidelines for dropping full coverage

There is no definitive formula to drop full coverage, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than around 10% of any settlement you would receive from your insurance company, then it might be time to buy liability only.

For example, let’s pretend your Volkswagen CC claim settlement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would receive is $2,000 after paying your policy deductible. If you are paying over $200 annually for physical damage coverage, then you may want to consider only buying liability coverage.

There are a few cases where only buying liability is not in your best interest. If you still owe money on your vehicle, you have to maintain full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should keep full coverage in place.