Finding low-cost insurance for a new or used Volkswagen CC in Colorado could be a lot of work, but you can learn these tips to make it easier. There are both good and bad ways to shop for car insurance and we’ll show you the quickest way to compare rates for a Volkswagen and locate the lowest price either online or from Colorado Springs insurance agents.
We don’t have to tell you that auto insurance companies don’t want you to compare rates. Insureds who shop around at least once a year will probably buy a new policy because there is a good probability of finding a lower rate. A recent survey found that drivers who regularly compared rates saved over $3,450 over four years as compared to drivers who never shopped around for better prices.
If finding budget-friendly auto insurance is your target objective, knowing the best ways to find and compare car insurance can help you succeed in saving money.
If you have a current auto insurance policy or are just looking to switch companies, you can use these techniques to buy cheaper auto insurance and possibly find even better coverage. Comparing rates for the cheapest auto insurance in Colorado Springs is easy if you know what you’re doing. Consumers just have to learn the most effective way to compare different rates from many different companies.
The quickest method to compare insurance rates from multiple companies takes advantage of the fact most of the bigger providers have advanced systems to give you rate quotes. All you need to do is take a few minutes to give details including how much education you have, daily mileage, an estimate of your credit level, and if you lease or own. Your rating data is automatically sent to many different companies and you should receive rate quotes very quickly.
If you wish to get multiple quotes for your Volkswagen CC now, click here and enter your coverage details.
The companies in the list below can provide price comparisons in Colorado. To buy cheap car insurance in CO, we suggest you compare several of them to find the cheapest car insurance rates.
Volkswagen CC coverage statistics
The coverage information below covers detailed analysis of insurance coverage prices for Volkswagen CC models. Learning as much as possible about how auto insurance premiums are figured is important to be able to make smart choices when selecting a coverage provider.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|CC Sport 4-Dr Coupe||$334||$740||$426||$26||$128||$1,654||$138|
|CC Luxury 4-Dr Coupe||$334||$740||$426||$26||$128||$1,654||$138|
|CC VR6 Sport 4-Dr Coupe||$372||$852||$426||$26||$128||$1,804||$150|
|CC VR6 Motion 4-Dr Coupe||$372||$852||$426||$26||$128||$1,804||$150|
|Get Your Own Custom Quote Go|
Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Rate quotes do not factor in vehicle location which can impact coverage rates considerably.
The diagram below shows how choosing a deductible and can influence Volkswagen CC annual premium costs for different age groups. Data assumes a single male driver, full physical damage coverage, and no discounts are applied to the premium.
Premiums by gender and age
The illustration below compares Volkswagen CC car insurance rates for male and female drivers. The premium estimates are based on no claims, a clean driving record, full physical damage coverage, $500 deductibles, drivers are not married, and no policy discounts are applied.
Volkswagen CC liability-only versus full coverage
The example below shows the difference between Volkswagen CC yearly insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums are based on no accidents, no driving violations, $500 deductibles, single marital status, and no discounts are factored in.
Are you wasting money paying for full coverage?
There is no set guideline of when to stop paying for comp and collision coverage, but there is a general guideline you can use. If the annual cost of coverage is about 10% or more of replacement cost minus your deductible, then it may be the right time to buy liability only.
For example, let’s assume your Volkswagen CC book value is $9,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company would pay you is $8,000 after the deductible is paid. If premium cost is more than $800 a year for your policy with full coverage, then you might want to think about dropping full coverage.
There are some scenarios where eliminating full coverage is not a good idea. If you haven’t satisfied your loan, you are required to maintain full coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should maintain full coverage.
You are unique and your car insurance should be too
Keep in mind that when it comes to choosing insurance from an agent or online, there is no single plan that fits everyone. Your needs are unique to you so this has to be addressed.
Here are some questions about coverages that may help you determine if your situation could use an agent’s help.
- Is my custom stereo system covered?
- Am I covered if hit by an uninsured driver?
- When should I not buy collision coverage?
- Can I use my car for my catering business?
- What does medical payments coverage do?
- What is the rate difference between pleasure use and commuting?
- Am I covered if I break a side mirror?
If you can’t answer these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.
Exclusive versus independent insurance agents
Some consumers just want to talk to a local agent and that can be a smart move Licensed agents can help you choose the best coverages and help file insurance claims. One of the benefits of comparing rate quotes online is that you can obtain better rates and still buy from a local agent.
After completing this short form, your insurance data is transmitted to participating agents in Colorado Springs who will return price quotes to get your business. You don’t have to even leave your home due to the fact that quote results will go immediately to you. In the event you want to quote rates from a specific insurance company, feel free to go to their quote page and fill out their quote form.
Choosing the best company needs to be determined by more than just the quoted price. Ask your prospective agent these questions:
- Are they involved in claim handling?
- Is the agency involved in supporting local community causes?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Do they see any coverage gaps in your plan?
- Which members of your family are coverage by the policy?
Choose the right car insurance agent
When narrowing the list to find a local Colorado Springs insurance agent, you must know there are a couple different agency structures that differ in how they can insure your vehicles. Colorado Springs agents can either be exclusive or independent agents depending on their company appointments. Both types can handle car insurance, but it’s worth mentioning the difference between them since it can affect your agent selection.
Exclusive Insurance Agencies
Agents that choose to be exclusive can only place business with one company like Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents are unable to provide rate quotes from other companies so always compare other rates. They are well schooled on what they offer and that allows them to sell at a higher price point. Some insured continue to buy from the same agent for years mainly due to the prominence of the brand instead of buying on price only.
The following are exclusive agents in Colorado Springs willing to provide rate quotes.
- Kevin Good – State Farm Insurance Agent
11550 Ridgeline Dr #118 – Colorado Springs, CO 80921 – (719) 599-8200 – View Map
- Chris Sutherland – State Farm Insurance Agent
6130 Barnes Rd #104 – Colorado Springs, CO 80922 – (719) 598-8211 – View Map
- Tom Harbert – State Farm Insurance Agent
8027 Academy Blvd N – Colorado Springs, CO 80920 – (719) 594-4500 – View Map
Agents that choose to be independent do not write with just one company so they can write business with a variety of different insurance companies and get you the best rates possible. To transfer your coverage to a different company, your agent can switch companies and you don’t have to find a new agent.
When comparison shopping, we highly recommend that you include price quotes from independent agents in order to have the best price comparison. Most also have access to small regional insurance companies which could offer lower prices.
Listed below are Colorado Springs independent agents willing to provide rate quotes.
- Springs Insurance Brokers
1837 Austin Bluffs Pkwy #101 – Colorado Springs, CO 80918 – (719) 268-1300 – View Map
- Solid Rock Insurance Agency
2850 Serendipity Cir W #230 – Colorado Springs, CO 80917 – (719) 574-0082 – View Map
- O’Donnell Agency Inc
707 S Tejon St – Colorado Springs, CO 80903 – (719) 227-7100 – View Map