Car Insurance Quotes for a Volkswagen CC in Mesa

How long has it been since you compared low-cost Volkswagen CC insurance in Mesa? Are you at wits end from sacrificing other expenses each month for car insurance? You are in the same boat as many other Arizona consumers.

Amazingly, a large majority of car insurance policyholders kept their coverage with the same car insurance company for more than four years, and almost 40% of drivers have never shopped around. Consumers in Arizona could save approximately $730 a year by just shopping around, but they assume it’s a waste of time to shop around. Big companies like GEICO, 21st Century and Progressive all promote huge savings with TV and radio ads and it is difficult to see through the cute green geckos and mayhem and do the work needed to find the best deal.

It is always a good idea to get comparison quotes at least once a year since insurance prices change frequently. If you had the best rates on Volkswagen CC insurance in Mesa six months ago you can probably find a lower rate today. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to the proper way to properly buy coverages while reducing your premium.

Cutting your Mesa auto insurance rates is not a difficult process. All that’s required is to spend a few minutes on the computer comparing rates from some recommended companies.

Doing online price quotes comparisons is so easy that it replaces the need to drive to different Mesa agent offices. Buying insurance online reduces the need to sit down with an agent unless you want the professional guidance of a licensed agent. Although, it is possible compare the best prices online but buy from a local insurance agent.

The providers in the list below provide free rate quotes in Mesa, AZ. If your goal is to find cheaper auto insurance in Arizona, we recommend you compare several of them to find the cheapest car insurance rates.

Insurance is an important decision

Even though Mesa CC insurance rates can get expensive, insurance serves a purpose in several ways.

First, most states have mandatory liability insurance requirements which means state laws require a specific minimum amount of liability protection in order to drive the car legally. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if your vehicle has a loan, almost all lenders will make it a condition of the loan that you have full coverage to ensure loan repayment if the vehicle is totaled. If you default on your policy, the bank may insure your Volkswagen at a more expensive rate and force you to pay much more than you were paying before.

Third, insurance safeguards both your Volkswagen CC and your assets. It will also provide coverage for all forms of medical expenses that are the result of an accident. Liability coverage, the one required by state law, 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, collision and comprehensive coverages will cover the repair costs.

The benefits of buying insurance definitely exceed the price paid, especially if you ever need it. As of last year, the average driver in Arizona is currently overpaying as much as $830 a year so it’s important to compare rates at least once a year to ensure rates are inline.

Volkswagen CC insurance analysis

The table displayed below outlines detailed analysis of rate quotes for Volkswagen CC models. Learning as much as possible about how insurance prices are determined can assist in making decisions when choosing a new policy provider.

Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Price information does not factor in vehicle garaging location which can decrease or increase insurance rates substantially.

Comparison of policy deductibles

When shopping for auto insurance, a common question is where to set your physical damage deductibles. The comparison tables below highlight the rate fluctuation when you choose different policy deductibles. The first pricing table uses a $250 deductible for comprehensive and collision coverage and the second price table uses a $1,000 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Table data does not factor in specific garaging location which can revise premiums greatly.

Using the premium rates above, we can conclude that using a $250 deductible would cost the average driver about $26 more each month or $312 every year averaged for all CC models than opting for the higher $1,000 deductible. Because you would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average more than 29 months between claim filings, you would come out ahead by selecting a higher deductible.

The example below illustrates how your deductible choice and can raise or lower Volkswagen CC insurance costs for each age group. The rate quotes are based on a single male driver, comprehensive and collision coverage, and no discounts are factored in.

Cautious Mesa drivers save money

The information below shows how violations and accidents can influence Volkswagen CC premium costs for different age groups of insureds. Data assumes a married female driver, full physical damage coverage, $500 deductibles, and no discounts are applied to the premium.

Yearly auto insurance costs for men versus women

The example below shows the difference between Volkswagen CC car insurance costs for male and female drivers. The data assumes no claims or driving citations, comprehensive and collision coverage, $1,000 deductibles, drivers are not married, and no other discounts are factored in.

Slash rates with these discounts

Car insurance is easily one of your largest bills, but you may qualify for discounts that could help you make your next renewal payment. A few discounts will be applied at quote time, but once in a while a discount must be specially asked for prior to getting the savings.

• Driver’s Education for Students – Teen drivers should enroll and complete driver’s education in school.
• College Student Discount – Older children who are enrolled in higher education away from home and do not have a car can receive lower rates.
• Discount for Life Insurance – Some companies give a break if you buy some life insurance too.
• Save with More Vehicles Insured – Buying coverage for multiple cars or trucks on one policy can get a discount for every vehicle.
• Bundled Policy Discount – If you insure your home and vehicles and insure them with the same company you could get a discount of approximately 10% to 15%.

One last thing about discounts, many deductions do not apply to the entire cost. Most cut the cost of specific coverages such as collision or personal injury protection. Despite the appearance that you can get free auto insurance, it’s just not the way it works. But all discounts will definitely reduce your policy premium.

The diagram below shows the difference between Volkswagen CC insurance prices with and without some available policy discounts. The information is based on a male driver, no claims, a clean driving record, Arizona state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, multi-car, multi-policy, marriage, and claim-free discounts applied.

Some companies that may include these discounts possibly include:

• American Family
• Farm Bureau
• State Farm
• Travelers
• The Hartford
• GEICO
• Progressive

Before buying, ask each insurance company how many discounts you can get. Some credits might not apply everywhere. To view car insurance companies who offer discounts in Mesa, click here to view.

Insurance agent or online?

Some people would prefer to buy from a local agent. Good agents will help you protect your assets and help file insurance claims. A nice benefit of getting online price quotes is you can get lower car insurance rates but still work with a licensed agent.

For easy comparison, once you complete this quick form, your coverage information gets sent to local insurance agents that can provide free Mesa auto insurance quotes to get your business. It simplifies rate comparisons since you won’t have to find an agent since price quotes are sent to your email. If you have a need to get a comparison quote for a specific company, don’t hesitate to jump over to their website and fill out the quote form the provide.

Finding the right insurer needs to be determined by more than just the quoted price. Any agent in Mesa should be forthright in answering these questions:

• What insurance company do they write the most business with?
• Is auto insurance their primary focus in Mesa?
• If you have an accident, will your rates go up?
• Do they offer rental car reimbursement?
• Do they feel the quoted coverages are adequate?
• Does the quote include credit and driving reports?
• Do they make recommendations based only on price?

Insurance agent types

When searching for a reputable agency, there are a couple of different agency structures and how they differ in how they quote coverages. Mesa agents can be classified as either independent or exclusive. Either one can do a good job, but it’s a good idea to understand how they are different since it can impact your agent selection.

Exclusive Insurance Agents

Agents that elect to be exclusive can only quote rates from one company like AAA, State Farm, Farmers Insurance, and Allstate. They are unable to compare other company’s rates so you might not find the best rates. They are well trained on sales techniques and that can be a competitive advantage.

Shown below are Mesa exclusive agents that can give you rate quotes.

More insurance agents

Independent Agents (or Brokers)

These agents often have many company appointments and that gives them the ability to insure with any number of different companies and get the cheapest rates. If you want to switch companies, your policy is moved internally and you don’t have to do anything.

If you are trying to find cheaper rates, you will want to compare prices from several independent agencies to maximize your price options.

Shown below is a list of independent insurance agents in Mesa that can give you rate quotes.

More insurance agents

Quote often and quote early

We covered many tips how you can get a better price on Volkswagen CC insurance in Mesa. It’s most important to understand that the more price quotes you have, the better your comparison will be. Drivers may even discover the best rates are with a lesser-known regional company. These smaller insurers may only write in your state and offer lower car insurance rates as compared to the big name companies such as Allstate or State Farm.

When trying to cut insurance costs, it’s not a good idea to sacrifice coverage to reduce premiums. There are too many instances where an insured dropped comprehensive coverage or liability limits and found out when filing a claim they didn’t purchase enough coverage. Your objective should be to buy a smart amount of coverage at the best possible price, but don’t skip important coverages to save money.

Steps to saving on Volkswagen CC insurance in Mesa

To save the most money, the best way to save on car insurance rates in Mesa is to make a habit of regularly comparing prices from companies that insure vehicles in Arizona.

1. Try to comprehend how companies set rates and the factors you can control to prevent expensive coverage. Many rating factors that cause high rates such as traffic violations, accidents, and poor credit rating can be rectified by making minor driving habit or lifestyle changes.
2. Compare price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only quote rates from a single company like Progressive or Allstate, while independent agents can provide price quotes for a wide range of insurance providers. View companies
3. Compare the price quotes to the price on your current policy to determine if you can save on CC insurance in Mesa. If you find a better price, verify that coverage does not lapse between policies.

One key aspect of rate comparisons is to make sure you’re comparing identical coverages on every price quote and and to analyze as many carriers as you can. Doing this helps ensure a fair rate comparison and a better comparison of the market.

More information

• Vehicle Insurance (Wikipedia)
• Who Has Affordable Mesa Car Insurance for a Ford Escape? (FAQ)
• Who Has the Cheapest Mesa Car Insurance Quotes for Hybrid Vehicles? (FAQ)
• Who Has the Cheapest Auto Insurance Quotes for a School Permit in Mesa? (FAQ)
• Eight Auto Insurance Myths (Insurance Information Institute)
• Rental Reimbursement Coverage (Allstate)