Statistics show that 70% of consumers kept their coverage with the same insurance company for more than four years, and approximately 40% of consumers have never compared insurance rates at all. Drivers in America could pocket roughly $850 a year just by getting comparison quotes, but they just don’t understand the big savings they would realize if they swap their current policy for a cheaper one.
The best way to get the cheapest car insurance rates is to do an annual price comparison from insurers in Indianapolis.
Step 1: Get an understanding of how insurance works and the changes you can make to drop your rates. Many factors that increase rates such as accidents, traffic violations, and bad credit can be remedied by making minor changes in your lifestyle.
Step 2: Get rate quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like GEICO and State Farm, while independent agencies can provide price quotes from multiple sources.
Step 3: Compare the new rates to the premium of your current policy to determine if you can save on CC insurance. If you can save money, ensure coverage does not lapse between policies.
Step 4: Notify your company or agent of your intention to cancel your current coverage and submit a completed application and payment to the new insurer. Don’t forget to place the new proof of insurance certificate in your vehicle’s glove compartment or console.
A good tip to remember is to use the same physical damage deductibles and liability limits on each quote and and to compare as many companies as feasibly possible. This provides a fair rate comparison and maximum price selection.
Companies offering Volkswagen CC insurance in Indianapolis
The providers in the list below are our best choices to provide price comparisons in Indianapolis, IN. If the list has multiple companies, we suggest you get prices from several of them in order to get a fair rate comparison.
Rates and statistics
The coverage information shown below showcases different prices for Volkswagen CC models. Having knowledge of how insurance premiums are figured can help guide drivers when making smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CC Sport 4-Dr Coupe | $268 | $592 | $340 | $20 | $102 | $1,322 | $110 |
| CC Luxury 4-Dr Coupe | $268 | $592 | $340 | $20 | $102 | $1,322 | $110 |
| CC VR6 Sport 4-Dr Coupe | $298 | $680 | $340 | $20 | $102 | $1,440 | $120 |
| CC VR6 Motion 4-Dr Coupe | $298 | $680 | $340 | $20 | $102 | $1,440 | $120 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Estimates do not factor in specific zip code location which can raise or lower coverage rates substantially.
Physical damage deductibles
When shopping for car insurance, a common question is what deductibles to buy. The rates shown below outline the rate difference when you select higher and lower policy deductibles. The first table uses a $250 deductible for physical damage and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CC Sport 4-Dr Coupe | $244 | $430 | $280 | $16 | $84 | $1,079 | $90 |
| CC Luxury 4-Dr Coupe | $244 | $430 | $280 | $16 | $84 | $1,079 | $90 |
| CC VR6 Sport 4-Dr Coupe | $272 | $496 | $280 | $16 | $84 | $1,173 | $98 |
| CC VR6 Motion 4-Dr Coupe | $272 | $496 | $280 | $16 | $84 | $1,173 | $98 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CC Sport 4-Dr Coupe | $152 | $270 | $280 | $16 | $84 | $802 | $67 |
| CC Luxury 4-Dr Coupe | $152 | $270 | $280 | $16 | $84 | $802 | $67 |
| CC VR6 Sport 4-Dr Coupe | $168 | $312 | $280 | $16 | $84 | $860 | $72 |
| CC VR6 Motion 4-Dr Coupe | $168 | $312 | $280 | $16 | $84 | $860 | $72 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Premium costs do not factor in specific Indianapolis garaging location which can raise or lower auto insurance rates greatly.
Based on this data, using a $250 deductible will cost you about $24 more each month or $288 annually across all Volkswagen CC models than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to go at least 31 months between claim filings, you would probably come out ahead by selecting a higher deductible.
Lower-cost Volkswagen CC insurance rates in Indianapolis
Auto insurance is not an enjoyable expense, but discounts can save money and there are some available that many people don’t even know exist. Many of these discounts will be applied automatically at the time of purchase, but some need to be specially asked for before you will receive the discount.
- Drivers Education – Cut your cost by having your teen driver take driver’s ed class in high school.
- Anti-theft Discount – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and can earn a small discount on your policy.
- Discount for New Cars – Adding a new car to your policy can get you a discount compared to insuring an older model.
- Distant Student – Youth drivers living away from Indianapolis attending college and do not take a car to college may be able to be covered for less.
- Use Seat Belts – Using a seat belt and requiring all passengers to wear their seat belts can save 10% or more off the medical payments premium.
Remember that most of the big mark downs will not be given to all coverage premiums. Most only cut specific coverage prices like physical damage coverage or medical payments. If you do the math and it seems like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.
The diagram below compares Volkswagen CC insurance rates with and without discounts applied to the policy rates. The premiums are based on a female driver, no tickets, no at-fault accidents, Indiana 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 safe-driver, marriage, homeowner, multi-car, claim-free, and multi-policy discounts applied.
Larger auto insurance companies and their possible discounts can be read below.
- Mercury Insurance policyholders can earn discounts including multi-policy, annual mileage, professional/association, good student, low natural disaster claims, and ease of repair.
- Farmers Insurance discounts include business and professional, multi-car, pay in full, good student, and alternative fuel.
- Farm Bureau includes discounts for 55 and retired, multi-policy, renewal discount, safe driver, driver training, and youthful driver.
- State Farm has savings for defensive driving training, anti-theft, multiple autos, safe vehicle, good driver, passive restraint, and accident-free.
- Allstate may offer discounts for senior citizen, premier discount, utility vehicle, economy car, good student, and good payer.
- GEICO offers premium reductions for daytime running lights, air bags, multi-policy, seat belt use, anti-theft, and emergency military deployment.
If you are trying to find cheaper Indianapolis auto insurance quotes, ask all the companies to give you their best rates. A few discounts might not apply everywhere. To view insurers with significant discounts in Indiana, click here to view.
Learn How to Lower Your Insurance Costs
Lots of things are part of the equation when quoting car insurance. Some factors are common sense such as traffic violations, but some are not quite as obvious such as whether you are married or your commute time.
Drive less and save – The more you drive in a year’s time the more you’ll pay to insure your vehicle. Many insurance companies apply a rate based upon how you use the vehicle. Cars that are left in the garage can be on a lower rate level than vehicles that have high annual mileage. Ask your agent if your insurance policy is showing the correct usage for each vehicle, because it can save money. Incorrect rating for your CC may be costing you higher rates.
Lower rates for married couples – Having a wife or husband may earn you lower rates when buying insurance. Marriage translates into being more responsible and it’s statistically proven that married drivers tend to have fewer serious accidents.
Vehicle theft costs us all – Buying a car with advanced anti-theft systems can get you a discount on your insurance. Systems that thwart thieves such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop car theft and help bring rates down.
Your address can affect prices – Residing in areas with lower population is a positive aspect when buying insurance. Fewer people means less chance of accidents. People in densely populated areas regularly have much more traffic and more severe claims. More time commuting translates into higher accident risk.
Insurance loss data for a Volkswagen CC – Insurance companies use claims history to calculate a rate that will offset any claims. Models that historically have higher frequency or amount of claims will have higher rates for specific coverages.
The next table illustrates the historical loss data for Volkswagen CC vehicles. For each coverage type, the claim amount for all vehicles, as an average, is equal to 100. Numbers under 100 indicate better than average losses, while percentage values above 100 point to more losses or larger claims.
| 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 |
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
What insurance coverages do I need?
When it comes to buying the right insurance coverage, there isn’t really a one size fits all plan. Each situation is unique.
For instance, these questions might help in determining if your situation will benefit from professional help.
- Does my insurance cover damage caused when ticketed for reckless driving?
- How high should my uninsured/underinsured coverage be in Indiana?
- What are the liability requirements in my state?
- When would I need rental car insurance?
- Should I put collision coverage on all my vehicles?
- Should I have combined single limit or split liability limits?
- What is medical payments coverage?
- Do I need PIP (personal injury protection) coverage in Indiana?
- How does medical payments coverage work?
- Does my policy cover my teen driver if they drive my company car?
If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, complete this form. It’s fast, free and you can get the answers you need.
Local Indianapolis car insurance agents and car insurance
Many drivers just prefer to visit with an insurance agent and often times that is recommended Good insurance agents will help you protect your assets and help file insurance claims. The biggest benefit of getting free rate quotes online is the fact that drivers can get cheap car insurance quotes and still buy from a local agent. And providing support for local insurance agents is still important in Indianapolis.
After filling out this quick form, the quote information is sent to agents in your area that can provide free Indianapolis auto insurance quotes for your business. There is no reason to find an agent on your own since price quotes are sent to you instantly. If you have a need to quote rates for a specific company, feel free to visit that company’s website and complete a quote there.
Picking the best provider should depend on more than just the premium amount. These are some questions your agent should answer.
- Who is covered by the car insurance policy?
- How often do they review policy coverages?
- Do they feel the quoted coverages are adequate?
- Is the agency covered by Errors and Omissions coverage?
- What insurance companies do they recommend if they are an independent agent?
- How long has their agency been open in Indianapolis?
- Is insurance their full-time profession?
- Will the agent help in case of a claim?
The best insurance company isn’t always the cheapest
In this article, we presented a lot of ways to find cheaper Volkswagen CC insurance in Indianapolis. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding affordable Volkswagen CC insurance quotes. Drivers may even discover the lowest car insurance rates are with a small local company.
Insureds switch companies for a number of reasons such as questionable increases in premium, being labeled a high risk driver, an unsatisfactory settlement offer and high rates after DUI convictions. It doesn’t matter why you want to switch finding a new auto insurance company is not as difficult as it may seem.
When buying insurance coverage, it’s a bad idea to buy poor coverage just to save money. There have been many cases where an insured dropped full coverage only to regret they didn’t purchase enough coverage. The ultimate goal is to buy the best coverage you can find at the best cost, but do not skimp to save money.
Even more information is located in these articles:
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- What Auto Insurance is Cheapest for a Honda CR-V in Indianapolis? (FAQ)
- How Much are Auto Insurance Rates for Drivers with a DUI in Indianapolis? (FAQ)
- Who Has the Cheapest Auto Insurance for Teenagers in Indianapolis? (FAQ)
- Who Has Cheap Auto Insurance for Uninsured Drivers in Indianapolis? (FAQ)
- Who Has the Cheapest Indianapolis Auto Insurance Rates for Safe Drivers? (FAQ)
- What Insurance is Cheapest for Police Officers in Indianapolis? (FAQ)
- Help Your Teen Be a Better Driver (State Farm)
- Safety Features for Your New Car (State Farm)