It’s an obvious assumption that car insurance companies want to keep your business as long as possible. Consumers who perform rate comparisons are highly likely to buy a new policy because there are good odds of finding a lower-priced policy. Surprisingly, a recent survey revealed that consumers who shopped around every year saved an average of $850 each year compared to people who never shopped around.
If finding the cheapest price for Volkswagen CC insurance in Las Vegas is your ultimate goal, then having some knowledge of how to find companies and compare coverage rates can help you succeed in saving money.
It takes a little time, but the best way to find cheaper quotes for Volkswagen CC insurance in Las Vegas is to make a habit of regularly comparing prices from providers in Nevada. Price quotes can be compared by completing these steps.
- Get a basic knowledge of how insurance works and the factors you can control to prevent expensive coverage. Many rating criteria that cause rate increases such as your driving record and poor credit rating can be rectified by making minor changes in your lifestyle. Continue reading for additional tips to prevent rate hikes and find hidden discounts.
- Get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can provide rates from a single company like GEICO and State Farm, while independent agencies can provide price quotes for a wide range of insurance providers.
- Compare the new quotes to your current policy premium and see if you can save money. If you find a lower rate and switch companies, make sure coverage does not lapse between policies.
- Provide notification to your current agent or company to cancel the current policy and submit the completed application along with a down payment to your new company or agent. Make sure you place the new certificate of insurance in a readily accessible location in your vehicle.
The most important part of shopping around is to compare similar deductibles and liability limits on every quote request and and to get price quotes from as many different companies as possible. Doing this ensures an accurate price comparison and the most accurate and complete price analysis.
The quickest method to compare car insurance company rates for Volkswagen CC insurance in Las Vegas utilizes the fact most of the larger companies have advanced systems to compare their rates. The only thing you need to do is provide the companies a bit of rating information like your education level, if the vehicle is leased, if you’re married, and deductibles desired. Your details is automatically sent to multiple top-rated companies and they return quotes quickly.
If you would like to compare rates now, click here and find out if you can get cheaper insurance in Las Vegas.
The providers in the list below provide comparison quotes in Nevada. To locate the best auto insurance in Las Vegas, we recommend you compare several of them in order to get a fair rate comparison.
Insurance coverage analysis
The coverage table displayed next outlines estimates of insurance coverage prices for Volkswagen CC models. Learning a little about how insurance prices are calculated can assist in making decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CC Sport 4-Dr Coupe | $162 | $292 | $314 | $18 | $94 | $880 | $73 |
| CC Luxury 4-Dr Coupe | $162 | $292 | $314 | $18 | $94 | $880 | $73 |
| CC VR6 Sport 4-Dr Coupe | $180 | $336 | $314 | $18 | $94 | $942 | $79 |
| CC VR6 Motion 4-Dr Coupe | $180 | $336 | $314 | $18 | $94 | $942 | $79 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Prices do not factor in vehicle location which can lower or raise price quotes noticeably.
Rate comparison for different deductibles
One of the hardest decisions when shopping for insurance is what deductibles to buy. The following insurance rates may help you to understand the premium difference between high and low comp and collision deductibles. The first rate quote example uses a $250 deductible for comp and collision and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CC Sport 4-Dr Coupe | $268 | $472 | $308 | $18 | $92 | $1,183 | $99 |
| CC Luxury 4-Dr Coupe | $268 | $472 | $308 | $18 | $92 | $1,183 | $99 |
| CC VR6 Sport 4-Dr Coupe | $300 | $544 | $308 | $18 | $92 | $1,287 | $107 |
| CC VR6 Motion 4-Dr Coupe | $300 | $544 | $308 | $18 | $92 | $1,287 | $107 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CC Sport 4-Dr Coupe | $218 | $382 | $308 | $18 | $92 | $1,018 | $85 |
| CC Luxury 4-Dr Coupe | $218 | $382 | $308 | $18 | $92 | $1,018 | $85 |
| CC VR6 Sport 4-Dr Coupe | $244 | $438 | $308 | $18 | $92 | $1,100 | $92 |
| CC VR6 Motion 4-Dr Coupe | $244 | $438 | $308 | $18 | $92 | $1,100 | $92 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Table data does not factor in specific location which can modify premium rates noticeably.
Based on the figures above, using a $250 deductible will cost you about $14 more each month or $168 annually averaged for all CC models than opting for the higher $500 deductible. Because you would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you normally average at least 18 months between claims, you would probably save some money by going with a higher deductible.
Cautious Las Vegas drivers save money
The illustration below demonstrates how citations and at-fault accidents can raise Volkswagen CC insurance costs for each age group. The costs are based on a single female driver, full physical damage coverage, $500 deductibles, and no policy discounts are applied.
Should you buy full coverage?
The chart below shows the difference between Volkswagen CC insurance costs with and without physical damage coverage. The premium estimates are based on no claims, a clean driving record, $250 deductibles, drivers are not married, and no discounts are applied.
Are you wasting money on full coverage?
There isn’t a written rule of when to phase out comprehensive and collision coverage on your policy, but there is a general 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 you might want to consider buying only liability coverage.
For example, let’s assume your Volkswagen CC settlement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would get paid by your company is $8,000 after paying your deductible. If you are paying over $800 a year for your policy with full coverage, then you might want to think about dropping full coverage.
There are some scenarios where buying only liability insurance is not a good idea. If you still owe a portion of the original loan, you have to maintain full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should keep full coverage.
Discounts can help to save on Volkswagen CC insurance in Las Vegas
Some insurers don’t always publicize the entire discount list very well, so the following is a list of some of the best known in addition to some of the lesser obvious credits that may apply to you.
- Discounts for Government Workers – Active or retired federal employment can earn a discount up to 10% with select insurance companies.
- Own a Home – Just being a homeowner can help you save on insurance because it shows financial diligence.
- Policy Bundle Discount – When you have multiple policies with the same company you could save 10% to 20% off each policy.
- Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
- Resident Student – Kids who are attending college and won’t have access to an insured vehicle may qualify for this discount.
- Senior Citizens – Seniors can possibly qualify for better insurance rates.
- Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of 25 to 30%.
- Service Members Pay Less – Having a deployed family member may qualify for rate reductions.
One last thing about discounts, most discount credits are not given to all coverage premiums. Most only cut the cost of specific coverages such as medical payments or collision. So even though it sounds like all the discounts add up to a free policy, it just doesn’t work that way.
The example below compares Volkswagen CC premium costs with and without discounts. The prices are based on a male driver, no accidents, no driving violations, Nevada state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, multi-car, marriage, safe-driver, and homeowner discounts applied.
Larger insurance companies and their offered discounts can be found below.
- Progressive offers premium reductions for good student, continuous coverage, online signing, homeowner, online quote discount, and multi-policy.
- SAFECO may include discounts for bundle discounts, anti-theft, teen safety rewards, multi-car, teen safe driver, drive less, and anti-lock brakes.
- American Family has discounts for bundled insurance, TimeAway discount, defensive driver, mySafetyValet, and Steer into Savings.
- MetLife may offer discounts for good driver, accident-free, multi-policy, good student, claim-free, and defensive driver.
- GEICO offers discounts for membership and employees, military active duty, daytime running lights, driver training, multi-vehicle, and five-year accident-free.
- The Hartford may have discounts that include vehicle fuel type, air bag, good student, defensive driver, bundle, driver training, and anti-theft.
Before you buy a policy, ask every prospective company to apply every possible discount. Some discounts listed above may not be offered in Las Vegas. To find insurance companies with the best discounts in Las Vegas, click here to view.
Insuring your CC just makes sense
Even though Las Vegas CC insurance rates can get expensive, insurance may be mandatory for several reasons.
- Just about all states have mandatory insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability insurance in order to get the vehicle licensed. In Nevada 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.
- If your Volkswagen has a loan, almost all lenders will make it a condition of the loan that you have physical damage coverage to guarantee loan repayment. If the policy lapses, the bank or lender will purchase a policy for your Volkswagen for a much higher rate and make you pay the higher premium.
- Car insurance preserves not only your vehicle but also your financial assets. It will also pay for hospital and medical expenses for both you and anyone you injure as the result of an accident. As part of your policy, liability insurance also pays expenses related to your legal defense if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, comprehensive and collision coverage will pay to restore your vehicle to like-new condition.
The benefits of buying enough insurance definitely exceed the cost, especially with large liability claims. According to a 2015 survey, the average American driver overpays as much as $800 each year so smart consumers compare quotes each time the policy renews to be sure current rates are still competitive.
Auto insurance is unique, just like you
When it comes to buying the right insurance coverage, there is no single plan that fits everyone. Your financial needs are unique and your auto insurance should unique, too.
For example, these questions can help discover whether your personal situation could use an agent’s help.
- Does my Volkswagen CC qualify for pleasure use?
- Do I need medical payments coverage since I have good health insurance?
- Are rock chip repairs covered?
- Do I have coverage when making deliveries for my home business?
- Does low annual mileage earn a discount?
- How can I get my company to pay me more for my totaled car?
- Am I covered when driving someone else’s vehicle?
- How can I find cheaper teen driver insurance?
If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier
Compare prices but buy from a neighborhood Las Vegas auto insurance agent
A lot of people just prefer to buy from a licensed agent and that is a personal choice. The biggest benefit of price shopping on the web is the fact that drivers can get lower rates but also keep your business local.
To find an agent, once you fill out this short form, your insurance coverage information is emailed to participating agents in Las Vegas who will give you quotes to get your business. You never need to leave your house because quoted prices will be sent immediately to you. You can get cheaper auto insurance rates AND a local agent. If you want to compare prices from a specific auto insurance provider, don’t hesitate to visit that company’s website and fill out their quote form.
Finding the right insurer should depend on more than just a cheap quote. Ask your prospective agent these questions:
- If you have an accident, will your rates go up?
- Is the agency active in community causes in Las Vegas?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- How much experience to they have in personal lines coverages?
- Can you get a list of referrals?
- What are their preferred companies if they are an independent agency?
- Are they properly licensed to sell insurance in Nevada?
If you’re trying to find a local Las Vegas insurance agent, it’s helpful to know the different agency structures and how they can write your policy. Auto insurance agents are either independent or exclusive depending on the company they work for.
Exclusive Auto Insurance Agents
Exclusive agencies can only write with one company like State Farm, Allstate and AAA. Exclusive agents are unable to provide rate quotes from other companies so always compare other rates. They are highly trained on their products and sales techniques which helps them compete with independent agents. Some consumers prefer to buy from exclusive agents partially due to loyalty to the company and the convenience of having a single billing for all their coverages.
Listed below is a list of exclusive insurance agencies in Las Vegas who may provide you with price quotes.
- Ron Reedom – State Farm Insurance Agent
1943 N Nellis Blvd – Las Vegas, NV 89115 – (702) 459-9546 – View Map - David Habart – State Farm Insurance Agent
2035 Village Center Cir #100 – Las Vegas, NV 89134 – (702) 851-2400 – View Map - Luria Walker – State Farm Insurance Agent
3124 N Rainbow Blvd – Las Vegas, NV 89108 – (702) 645-3300 – View Map
Independent Insurance Agents
These type of agents do not work for one specific company and that enables them to quote your coverage through many different auto insurance companies and find you cheaper rates. If your premiums go up, your policy is moved internally which makes it simple for you.
If you are trying to find cheaper rates, you should always include price quotes from several independent agencies to get the best comparison. Many can place coverage with smaller regional carriers that many times have cheaper rates.
The following are Las Vegas independent insurance agencies that can give you rate quotes.
- Harrison Insurance Agency
724 S 9th St – Las Vegas, NV 89101 – (702) 648-1634 – View Map - Insurance Specialists – Auto and Home Agency
5025 S Eastern Ave #20 – Las Vegas, NV 89119 – (702) 307-3398 – View Map - Universal Insurance Agency
348 N Nellis Blvd – Las Vegas, NV 89110 – (702) 838-5141 – View Map