Anyone knows that insurance companies don't want you to look at other companies. Insureds who compare rates once a year are likely to switch to a new company because of the good chance of finding a lower-priced company. A study discovered that consumers who routinely shopped around saved an average of $860 a year as compared to drivers who never compared rates.
If finding discount rates on auto insurance in Santa Ana is the reason for your visit, knowing how to get rate quotes and compare cheaper coverage can make shopping around easier.
The preferred way to get the cheapest auto insurance rates is to start comparing prices regularly from insurers who provide car insurance in Santa Ana.
- Try to learn about how insurance works and the measures you can control to prevent rate increases. Many risk factors that result in higher prices such as at-fault accidents and a low credit score can be rectified by being financially responsible and driving safely. This article gives more details to get low prices and find overlooked discounts.
- Compare prices from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give rate quotes from one company like Progressive or State Farm, while agents who are independent can provide prices from multiple companies. Compare rates now
- Compare the new rate quotes to your existing rates to determine if you can save on CC insurance in Santa Ana. If you find a lower rate and make a switch, make sure coverage does not lapse between policies.
- Give notification to your current company of your intent to cancel your current auto insurance policy and submit a down payment and signed policy application to the newly selected company. Once received, put the proof of insurance certificate in your vehicle's glove compartment or console.
One thing to remember is to make sure you're comparing the same level of coverage on every quote request and and to analyze as many companies as feasibly possible. This enables an accurate price comparison and a thorough price selection.
When comparing auto insurance rates, know that getting more free quotes will increase your chances of finding the best rates.
The providers in the list below are ready to provide comparison quotes in California. If more than one company is shown, we recommend you visit two to three different companies to find the most affordable auto insurance rates.
Choosing the best Volkswagen CC insurance in California is an important decision
Despite the high insurance cost for a Volkswagen CC in Santa Ana, insuring your vehicle is not optional due to several reasons.
First, just about all states have compulsory liability insurance requirements which means you are required to buy specific limits of liability if you drive a vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if your vehicle has a lienholder, it's guaranteed your bank will stipulate that you buy insurance to ensure the loan is repaid in case of a total loss. If you default on your policy, the bank may buy a policy for your Volkswagen at an extremely high rate and require you to pay for the much more expensive policy.
Third, insurance safeguards both your assets and your vehicle. It will also cover most medical and hospital costs incurred in an accident. Liability insurance, one of your policy coverages, also pays for attorney fees and expenses if you cause an accident and are sued. If you have damage to your Volkswagen as the result of the weather or an accident, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of buying enough insurance more than offset the price you pay, especially when you need to use it. As of last year, the average driver in California overpays more than $865 each year so compare rates once a year at a minimum to ensure rates are inline.
Volkswagen CC detailed coverage information
The rate information displayed below outlines a range of insurance rates for Volkswagen CC models. Having a good understanding how rates are formulated can benefit drivers when making smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CC Sport 4-Dr Coupe | $270 | $564 | $500 | $30 | $150 | $1,514 | $126 |
| CC Luxury 4-Dr Coupe | $270 | $564 | $500 | $30 | $150 | $1,514 | $126 |
| CC VR6 Sport 4-Dr Coupe | $300 | $648 | $500 | $30 | $150 | $1,628 | $136 |
| CC VR6 Motion 4-Dr Coupe | $300 | $648 | $500 | $30 | $150 | $1,628 | $136 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Premium amounts do not factor in the specific area where the vehicle is garaged which can alter insurance rates noticeably.
The chart below demonstrates how deductibles and can impact Volkswagen CC annual premium costs for different age groups of insureds. The rate quotes are based on a single female driver, full physical damage coverage, and no additional discounts are factored in.
Insurance premiums for males and females
The information below illustrates the difference between Volkswagen CC auto insurance rates for male and female drivers. The information is based on a clean driving record, no at-fault accidents, full physical damage coverage, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.
Cost comparison with and without full coverage
The information below visualizes the comparison of Volkswagen CC insurance rates with and without full coverage. The premiums assume no claims or violations, $100 deductibles, marital status is single, and no discounts are applied.
When to switch to liability coverage only
There is no definitive formula to stop paying for physical damage coverage on your policy, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is 10% or more of replacement cost minus your deductible, then you might want to consider buying only liability coverage.
For example, let's assume your Volkswagen CC replacement cost is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company will settle for is $8,000 after the policy deductible has been paid. If it's costing you more than $800 a year for full coverage, then it's probably a good time to buy liability coverage only.
There are some conditions where eliminating full coverage is not a good idea. If you still owe money on your vehicle, you must maintain physical damage coverage to protect the lienholder's interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should maintain full coverage.
Companies offer lots of discounts on Volkswagen CC insurance in Santa Ana
Car insurance can cost a lot, but you may find discounts that could help you make your next renewal payment. Some discounts will apply at the time of purchase, but some must be specifically requested in order for you to get them.
- Accident-Free Discounts - Insureds who avoid accidents and claims can save substantially as compared to accident-prone drivers.
- E-sign Discounts - A few larger online companies give back up to $50 for buying your policy on their website.
- Life Insurance - If the company offers life insurance, you could get lower rates if you buy life insurance from them.
- Fewer Miles Equal More Savings - Low annual miles can earn slightly better rates than normal.
- Senior Discount - If you qualify as a senior citizen, you are able to get better insurance rates.
- Driver Training Discounts - Taking time to complete a driver safety course is a good idea and can lower rates and easily pay for the cost of the class.
- Good Student Discount - Being a good student may save as much as 25% on a Santa Ana auto insurance quote. Many companies even apply the discount to college students until age 25.
Don't be shocked that some of the credits will not apply to the entire policy premium. Most only cut specific coverage prices like liability, collision or medical payments. Just because it seems like it's possible to get free car insurance, it just doesn't work that way.
The chart below illustrates the difference between Volkswagen CC yearly insurance costs with and without discounts applied to the policy premium. The premium estimates are based on a female driver, no driving violations, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, multi-car, claim-free, multi-policy, and homeowner discounts applied.
Companies that may offer policyholders these benefits include:
If you need lower rates, check with each company how many discounts you can get. Some credits may not be offered in Santa Ana.