Save on Volkswagen CC Insurance in Madison

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Insurance for Volkswagen CCWant lower-priced insurance rates in Madison, WI? Madison drivers have options when trying to find affordable Volkswagen CC insurance. You can either waste hours struggling with agents getting price quotes or leverage the internet to make rate comparisons. There is a better way to buy insurance and you need to know the best way to get price quotes for a new or used Volkswagen and get the cheapest rates from Madison insurance agents and online providers.

Shockingly, the vast majority of consumers in Wisconsin have been with the same company for well over three years, and almost half have never compared rates from other carriers. Many consumers in the U.S. could save themselves about $859 a year, but they just don't understand how much savings they would realize if they moved their coverage to a different company.

It's a good idea to get comparison quotes at least once a year because prices change frequently. If you had the lowest rates on Volkswagen CC insurance in Madison two years ago other companies may now be cheaper. You can find a lot of misleading information regarding CC insurance on the internet, but I'm going to show you some solid techniques on how to find cheap insurance in Madison.

Locating the most cost-effective car insurance policy in Madison is really quite simple as long as you have a good starting point. If you have car insurance now, you will definitely be able to reduce the price you pay using the techniques covered below. Smart buyers just have to learn the most time-saving way to quote multiple rates online.

Finding a better price on insurance isn't really that difficult. You just need to spend a little time getting comparison quotes to see which company has the cheapest Volkswagen CC rate quotes.

The companies shown below can provide price quotes in Wisconsin. To find the best cheap car insurance in WI, it's highly recommended you compare several of them to find the lowest auto insurance rates.

You may qualify for discounts for Volkswagen CC insurance in Madison

Companies offering auto insurance don't list every available discount very well, so here is a list some of the best known as well as some of the hidden credits that may apply to you.Discount insurance

  • Clubs and Organizations - Participating in a qualifying organization can get you a small discount on insurance.
  • Theft Prevention Discount - Cars and trucks equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your Madison auto insurance quote.
  • Renewal Discounts - A few insurance companies give discounts for switching policies before your current expiration date. You may see this discount when you get Madison auto insurance quotes online.
  • Data Collection Discounts - Policyholders that allow their company to scrutinize when and where they use their vehicle by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate might see lower rates if their driving habits are good.
  • Homeowners Savings - Just owning your own home can save you money because maintaining a house shows financial diligence.
  • Driver Safety - Successfully completing a defensive driver course could cut 5% off your bill if your company offers it.
  • First Accident Forgiveness - Not a discount per se, but a handful of insurance companies permit an accident before hitting you with a surcharge as long as you don't have any claims before the accident.
  • Auto/Life Discount - If the company offers life insurance, you could get a discount if you purchase some life insurance too.
  • No Claims - Drivers with accident-free driving histories can earn big discounts when compared with frequent claim filers.

Discounts lower rates, but some credits don't apply to the overall cost of the policy. Most only reduce individual premiums such as liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, you aren't that lucky.

The diagram below shows the difference between Volkswagen CC premium costs with and without discounts applied to the premium. The rates are based on a female driver, no tickets, no at-fault accidents, Wisconsin state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, claim-free, safe-driver, marriage, and multi-car discounts applied.

A partial list of companies that have some of the discounts shown above include:

If you need lower rates, check with all the companies to give you their best rates. Some discounts listed above might not be offered on policies in every state. To locate insurance companies that offer multiple discounts in Wisconsin, follow this link.

Insurance rate breakdown

The premium table shown below covers detailed analysis of policy rates for Volkswagen CC models. Learning more about how policy premiums are established is important for drivers to make smart choices when purchasing an insurance policy.

Volkswagen CC Insurance Rates in Madison, WI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CC Sport 4-Dr Coupe $172 $364 $260 $16 $78 $890 $74
CC Luxury 4-Dr Coupe $172 $364 $260 $16 $78 $890 $74
CC VR6 Sport 4-Dr Coupe $192 $418 $260 $16 $78 $964 $80
CC VR6 Motion 4-Dr Coupe $192 $418 $260 $16 $78 $964 $80
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Wisconsin minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Prices do not factor in the specific area where the vehicle is garaged which can influence prices greatly.

Analysis of deductible levels

The hardest decision when buying coverage is how low should you set your deductibles. The rates below lay out the costs and benefits when you select higher and lower deductibles. The first data set uses a $100 comprehensive and collision deductible and the second pricing table uses a $500 deductible.

Volkswagen CC insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CC Sport 4-Dr Coupe $224 $422 $230 $14 $68 $983 $82
CC Luxury 4-Dr Coupe $224 $422 $230 $14 $68 $983 $82
CC VR6 Sport 4-Dr Coupe $248 $484 $230 $14 $68 $1,069 $89
CC VR6 Motion 4-Dr Coupe $248 $484 $230 $14 $68 $1,069 $89
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Volkswagen CC insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CC Sport 4-Dr Coupe $164 $284 $230 $14 $68 $760 $63
CC Luxury 4-Dr Coupe $164 $284 $230 $14 $68 $760 $63
CC VR6 Sport 4-Dr Coupe $182 $328 $230 $14 $68 $822 $69
CC VR6 Motion 4-Dr Coupe $182 $328 $230 $14 $68 $822 $69
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Wisconsin minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Premium costs do not factor in specific Madison garaging location which can impact insurance rates noticeably.

Based on the data above, we can derive that using a $100 deductible will cost you approximately $20 more each month or $240 a year averaged for all CC models than selecting the higher $500 deductible. Because you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to go more than 20 months between claims, you would probably be better off going with the higher deductible. The table below illustrates a better example of how you can come to your own conclusion.

Average monthly premium for $100 deductibles: $86
Average monthly premium for $500 deductibles (subtract): - $66
Monthly savings from raising deductible: $20
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $20
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 20 months

One important caveat is that raising deductibles means you will have to cover more of the damage yourself when you have a physical damage claim. You should have some available funds in order to pay more for the deductible.

Volkswagen CC Insurance Costs Can Be More Affordable

Lots of things are part of the calculation when you quote your car insurance policy. Most are fairly basic like an MVR report, but other criteria are more obscure like your continuous coverage or your financial responsibility. Smart consumers have a good feel for the factors that help determine the rates you pay for car insurance. If you understand what controls the rates you pay, this allows you to make educated decisions that could help you find better car insurance rates.

The itemized list below are some of the factors used by companies to determine rates.

  • Drive a fast car and pay more - The type of car, truck or SUV you need insurance for makes a huge difference in your rates. The lowest base rates will normally be found when insuring small economy passenger vehicles, but that's not the only thing that factors into the final price.

    The chart below uses these variables: single female driver age 20, full coverage with $100 deductibles, and no discounts or violations. It illustrates Volkswagen CC policy rates compared to other models of vehicles that have a range of risk factors.

  • Gender and insurance coverage prices - Statistics show that females take fewer risks when driving. This data doesn't prove that males are worse at driving than females. Men and women are in at-fault accidents in similar percentages, but the male of the species have costlier accidents. In addition to higher claims, males also have more aggressive citations like driving under the influence (DUI).

    The chart below visualizes the comparison of Volkswagen CC car insurance rates for male and female drivers. The information is based on no violations or claims, comp and collision included, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.

  • Protect yourself with liability protection - Your policy's liability coverage will provide protection if you are found liable for personal injury or accident damage. Your liability coverage provides for a legal defense starting from day one. This coverage is relatively inexpensive when compared with rates for comp and collision, so drivers should buy more than the minimum limits required by law.
  • Multi-policy discounts can save money - The majority of companies will give a discount to customers that purchase more than one policy such as combining an auto and homeowners policy. Even if you qualify for this discount already, it's still a good idea to comparison shop to verify if the discount is saving money. You may still find a better deal by buying car insurance from a different company.
  • Experienced drivers pay less - Youthful drivers in Wisconsin tend to be less responsible with other occupants in the car therefore car insurance rates are much higher. Mature drivers tend to be more responsible, are lower risk to insure, and are generally more financially stable.

    The next chart uses these variables: single driver, full coverage with $1000 deductibles, and no discounts or violations.

  • Avoid policy lapses - Letting your insurance expire is a guaranteed way to pay more for car insurance. Not only will rates go up, the inability to provide proof of insurance could result in a license revocation or jail time.
  • Volkswagen CC claim statistics - Insurers analyze past claim statistics as a way to help calculate a profitable premium rate. Models that are shown to have a trend towards higher claims will cost more for coverage. The table shown below demonstrates the compiled insurance loss statistics for Volkswagen CC vehicles.

    For each insurance policy coverage type, the statistical loss for all vehicles as a whole is considered to be 100. Numbers shown that are under 100 suggest a better than average loss history, while numbers above 100 indicate frequent claims or an increased chance of larger losses than average.

    Auto Insurance Loss Data for Volkswagen CC Models
    Specific Volkswagen 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: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Insurance agent or online?

Some consumers would rather get professional advice from a licensed agent and that is OK! Experienced insurance agents are trained risk managers and help file insurance claims. One of the great benefits of getting online price quotes is that drivers can save money and get the best rates and still choose a local agent.

Madison insurance agentsBy using this form (opens in new window), your insurance coverage information is instantly submitted to insurance agents in Madison who will gladly provide quotes for your insurance coverage. You won't need to drive around due to the fact that quote results will go directly to you. If you need to quote rates from a specific auto insurance provider, feel free to find their quoting web page and give them your coverage information.

Choosing an insurance company should depend on more than just the quoted price. The answers to these questions are important, too.

  • Will your rates increase after a single accident?
  • What is their Better Business Bureau rating?
  • Do they reduce claim amounts on high mileage vehicles?
  • Do they write coverage based solely on cost?
  • How experienced are they in personal risk management?
  • Are they able to influence company decisions when a claim is filed?
  • Does the company have a solid financial rating?
  • Which insurance company do they prefer to write with?

Two different types of car insurance agents

When researching a good insurance agency, it helps to know the two different types of agents and how they can service your needs differently. Auto insurance agents in Madison are considered either exclusive or independent (non-exclusive). Both sell and service auto insurance coverage, but it's worth learning how they differ since it could factor into which agent you choose.

Exclusive Agencies

Exclusive agencies can only provide one company's prices and examples are Allstate, State Farm and Farmers Insurance. Exclusive agents cannot provide other company's prices so they really need to provide good service. They are highly trained on their company's products and that enables them to sell even at higher rates. Consumers frequently purchase coverage from exclusives mainly due to loyalty to the company and the convenience of having all coverages with one company.

Shown below are exclusive insurance agencies in Madison willing to provide price quotes.

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Independent Auto Insurance Agencies

Agents of this type are not limited to a single company and that allows them to write policies through many different auto insurance companies depending on which coverage is best. If prices rise, the business is moved internally and you can keep the same agent.

When searching for an agent, we highly recommend that you get quotes from independent agents to have the most options to choose from. They also have the ability to place coverage with smaller regional carriers that may provide cheaper auto insurance rates.

Listed below are Madison independent agents willing to provide rate quotes.

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Best car insurance in Wisconsin

Ending up with the highest-rated insurance provider can be rather challenging considering how many companies are available to choose from in Madison. The company ratings listed below can help you analyze which car insurance providers to look at when comparing rates.

Top 10 Madison Car Insurance Companies Ranked by Claims Service

  1. Progressive
  2. Travelers
  3. Liberty Mutual
  4. Nationwide
  5. USAA
  6. AAA Insurance
  7. Safeco Insurance
  8. GEICO
  9. Esurance
  10. The General

Top 10 Madison Car Insurance Companies Overall

  1. USAA
  2. 21st Century
  3. GEICO
  4. Nationwide
  5. AAA Insurance
  6. Liberty Mutual
  7. Safeco Insurance
  8. State Farm
  9. Travelers
  10. American Family

Persistence will pay off

As you go through the steps to switch your coverage, you should never skimp on critical coverages to save a buck or two. In many instances, someone dropped full coverage only to regret that they should have had better coverage. Your focus should be to buy a smart amount of coverage at the lowest possible cost, but do not sacrifice coverage to save money.

We just covered a lot of tips how to get a better price on Volkswagen CC insurance in Madison. The key thing to remember is the more providers you compare, the better your comparison will be. You may even be surprised to find that the most savings is with an unexpected company.

Low-cost Volkswagen CC insurance in Madison can be found both online as well as from insurance agents, and you need to comparison shop both to have the best selection. Some insurance providers do not offer the ability to get a quote online and most of the time these smaller companies work with independent agents.

How to find affordable quotes for Volkswagen CC insurance in Madison

Really, the only way to get more affordable Volkswagen CC insurance in Madison is to make a habit of comparing prices annually from providers that insure vehicles in Wisconsin. You can compare prices by completing these steps.

Step 1: Get a basic knowledge of coverages and the things you can control to prevent expensive coverage. Many rating factors that drive up the price such as accidents, careless driving, and a not-so-good credit history can be improved by paying attention to minor details.

Step 2: Request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from a single company like Progressive or State Farm, while agents who are independent can provide prices from multiple sources. Compare rates now

Step 3: Compare the new quotes to your existing coverage and see if there is a cheaper rate in Madison. If you can save money and make a switch, ensure coverage does not lapse between policies.

One thing to point out is to try to use the same coverage limits and deductibles on every price quote and and to get rates from as many car insurance companies as possible. This guarantees an accurate price comparison and the most accurate and complete price analysis.

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