Best Insurance for a Volkswagen CC in Jersey City

Smart shoppers know that insurance companies don’t want policyholders to compare prices from other companies. Insureds who shop around for better prices are very likely to switch to a new company because there are good odds of finding a lower-priced company. A recent survey revealed that drivers who compared price quotes annually saved over $72 a month compared to people who never shopped around for better prices.

If finding low prices for Volkswagen CC insurance is your target objective, then having a good understanding how to compare insurance can help make the process easier.

If your goal is the lowest price, then the best way to get affordable auto insurance rates is to regularly compare quotes from providers who provide auto insurance in Jersey City.

1. It will benefit you to learn about policy coverages and the changes you can make to drop your rates. Many rating criteria that cause high rates such as speeding and an imperfect credit rating can be rectified by improving your driving habits or financial responsibility.
2. Quote rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give rate quotes from one company like Progressive or Farmers Insurance, while agents who are independent can quote prices for a wide range of insurance providers.
3. Compare the new rates to your current policy to determine if switching companies saves money. If you can save some money, make sure the effective date of the new policy is the same as the expiration date of the old one.

One key aspect when comparing rates is to try to compare identical coverage information on every quote and and to get quotes from as many companies as feasibly possible. Doing this provides a level playing field and a thorough price selection.

Ways to get Volkswagen CC insurance quotes in Jersey City, New Jersey

Just remember that having more price comparisons will enable you to find lower pricing. Some insurance companies are not set up to provide online rate quotes, so it’s important to compare price estimates on coverage from those companies, too.

The providers in the list below are ready to provide comparison quotes in Jersey City, NJ. To get the best cheap auto insurance in Jersey City, we suggest you get price quotes from several of them to find the cheapest car insurance rates.

Insurance discounts are available to get cheap rates

Insurance is not an enjoyable expense, but there are discounts available to help bring down the price. Many of these discounts will be applied automatically when you get a quote, but less common discounts must be specially asked for prior to getting the savings.

• Clubs and Organizations – Having an affiliation with a professional or civic organization can get you a small discount on your policy.
• Discount for Multiple Policies – When you combine your homeowners and auto insurance with one insurance company you may earn nearly 15% which can help you find the cheapest Volkswagen CC insurance in Jersey City.
• Anti-theft Discount – Cars with anti-theft systems have a lower chance of being stolen and qualify for as much as a 10% discount.
• Own a Home and Save – Being a homeowner can earn you a little savings due to the fact that maintaining a home is proof of financial responsibility.
• Pay Early and Save – If you pay your entire premium ahead of time instead of paying each month you can avoid monthly service charges.
• Drivers Ed for Students – Teen drivers should enroll and complete driver’s education as it will make them better drivers and lower rates.
• Discounts for New Vehicles – Insuring a vehicle that is new can save you some money because new vehicles keep occupants safer.
• Online Discount – Many insurance companies will give you a small discount simply for signing digitally online.

A little disclaimer on discounts, some of the credits will not apply to the whole policy. Most only apply to the cost of specific coverages such as collision or personal injury protection. So when it seems like you would end up receiving a 100% discount, it just doesn’t work that way. But all discounts will help reduce the amount you pay for coverage.

The illustration below illustrates the comparison of Volkswagen CC auto insurance costs with and without policy discounts. The rates are based on a female driver, no driving violations, no at-fault accidents, New Jersey state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, claim-free, safe-driver, homeowner, and multi-policy discounts applied.

A list of companies and some of the premium reductions they offer include:

• GEICO includes discounts for air bags, five-year accident-free, military active duty, anti-lock brakes, anti-theft, multi-policy, and daytime running lights.
• Mercury Insurance offers discounts for annual mileage, accident-free, good student, professional/association, age of vehicle, and location of vehicle.
• Farmers Insurance may include discounts for youthful driver, bundle discounts, switch companies, homeowner, electronic funds transfer, and multi-car.
• Auto-Owners Insurance may have discounts that include good student, safe vehicle, anti-theft, company car, group or association, paperless, and mature driver.
• Liberty Mutual discounts include new graduate, new move discount, newly married, teen driver discount, newly retired, and exclusive group savings.
• SAFECO offers premium reductions for anti-theft, teen safe driver, anti-lock brakes, teen safety rewards, accident prevention training, and homeowner.
• Progressive offers discounts including continuous coverage, online quote discount, multi-vehicle, multi-policy, and online signing.
• USAA has savings for family discount, multi-vehicle, good student, annual mileage, and multi-policy.

If you want affordable Jersey City car insurance quotes, ask each company to apply every possible discount. Some credits may not apply to policies everywhere. To see a list of insurers who offer cheap Volkswagen CC insurance quotes in New Jersey, follow this link.

Volkswagen CC insurance rate analysis

The price information below showcases detailed analysis of coverage prices for Volkswagen CC models. Understanding more about how insurance premiums are formulated can be of help when making decisions on which insurance to purchase.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and New Jersey minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Price estimates do not factor in specific location which can affect premiums noticeably.

Rate comparison for different deductibles

When shopping for insurance, a common question is how high should the physical damage coverage deductibles be. The following insurance rates can help you visualize the cost difference between low and high insurance deductibles. The first rate comparisons uses a $100 physical damage coverage deductible and the second set of rates uses a $1,000 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Rate quotes do not factor in your specific Jersey City location which can lower or raise rates substantially.

Based on these figures, using a $100 deductible costs approximately $58 more each month or $696 every year averaged for all CC models than selecting the higher $1,000 deductible. Since you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you go more than 16 months between claim filings, you would more than likely save some money going with the higher deductible.

Impact of citations and accidents on Jersey City insurance rates

The diagram below shows how traffic citations and at-fault accidents drive up Volkswagen CC auto insurance rates for different insured age categories. The data is based on a single male driver, full coverage, $1,000 deductibles, and no other discounts are factored in.

Age-based insurance rates by gender

The example below illustrates the comparison of Volkswagen CC yearly insurance costs for male and female drivers. The premium estimates are based on no violations or claims, comp and collision included, $100 deductibles, single status, and no additional discounts are factored in.

Should you buy full coverage?

The information below illustrates the difference between Volkswagen CC auto insurance costs with full physical damage coverage and with liability coverage only. The premium estimates are based on no violations or accidents, $1,000 deductibles, single marital status, and no additional discounts are factored in.

Deciding between full coverage and liability only

There is no clear-cut rule to delete comp and collision coverage, but there is a guideline you can consider. If the annual cost of coverage is 10% or more of the settlement you would receive from your company, then it may be the right time to buy liability only.

For example, let’s say your Volkswagen CC claim settlement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company would pay you is $8,000 after paying your policy deductible. If it’s costing you more than $800 annually to have full coverage, then it might be time to consider dropping full coverage.

There are a few cases where dropping full coverage is not in your best interest. If you haven’t paid off your loan, you have to carry full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should maintain full coverage.

Compare rates but buy from a local neighborhood Jersey City car insurance agent

Many people still prefer to go talk to an agent. The biggest benefit of comparing insurance prices online is you can get cheap auto insurance rates and also buy local.

For easy comparison, once you complete this form (opens in new window), the quote information gets sent to local insurance agents in Jersey City that provide free Jersey City car insurance quotes to get your business. It makes it easy because there is no need to do any legwork as quotes are delivered to you. You can most likely find cheaper rates AND an agent nearby. If you need to get a rate quote from a particular provider, you just need to search and find their rate quote page and complete a quote there.

Selecting an insurance company is decision based upon more than just a cheap quote. Agents should be asked these questions:

• Are claims handled at the agent’s location?
• Is the agency covered by Errors and Omissions coverage?
• Does the company allow you to choose your own collision repair facility?
• Will high miles depreciate repair valuations?
• Are aftermarket or OEM parts used to repair vehicles?
• Which companies do they recommend if they are an independent agency?
• Can glass claims be handled at your home?
• Does the agent have professional designations like CIC, CPCU or AIC?

What types of car insurance agents are in Jersey City?

If you are wanting to find a local Jersey City insurance agent, you must know there are a couple different agency structures that you can select. Auto insurance agencies are either independent agents or exclusive agents depending on their employer.

Exclusive Insurance Agencies

These agents work for only one company and examples are AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents cannot compare other company’s rates so always compare other rates. Exclusive agents receive extensive training on their products and sales techniques and that can be a competitive advantage.

Listed below is a list of exclusive insurance agents in Jersey City who can help you get price quotes.

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Independent Agents (or Brokers)

Independent insurance agents do not write with just one company so they can quote policies with many different companies and find the cheapest rate. To transfer your coverage to a different company, your agent can just switch to a different company which is easy for the insured. If you need lower rates, we highly recommend that you include rate quotes from a couple of independent agencies so that you can do a thorough price comparison.

The following are Jersey City independent insurance agencies who can help you get rate quotes.

View more agents

Upon getting good answers to any questions you may have and an acceptable price quote, you’ve probably found an insurance agent that can be relied on to properly insure your vehicles.

Auto insurance is unique, just like you

When it comes to the best auto insurance coverage, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s and your auto insurance should unique, too.
For example, these questions might help in determining whether or not you could use an agent’s help.

• I have a DUI can I still get coverage?
• Can I afford to buy a different vehicle if my Volkswagen CC is totaled?
• Do I pay less if my vehicle is kept in my garage?
• What if a claim settlement is too low?
• Do I need special coverage while pulling a rented trailer?
• Do I need to call my car insurance company before buying a new car?
• If I drive on a suspended license am I covered?
• How much will a speeding ticket raise my rates?
• Does every company file a SR-22 automatically?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

How Your CC Insurance Prices are Determined

Consumers need to have an understanding of some of the elements that help determine your premiums. If you understand what controls the rates you pay, this allows you to make good choices that can earn you better auto insurance rates.

Listed below are some of the major factors utilized by car insurance companies to help set rates.

• Performance affects insurance rates – The make and model of the vehicle you need to insure makes a big difference in your premium level. The best insurance prices are usually found on small economy passenger vehicles, but the cost you end up paying is determined by many additional factors.

  The following chart is based on a single female driver age 50, full coverage with $100 deductibles, and no discounts or violations. It illustrates Volkswagen CC policy rates compared to other models that have a range of performances.

• Additional coverages that may be costing you – Policies have extra bells and whistles that can add up if you aren’t diligent. Insurance for things like rental car coverage, towing coverage, and motor club memberships may be costing you every month. These may sound like a good investment when discussing your needs, but your money might be better spent on other coverage so remove them from your policy.
• Do thieves like your car? – Purchasing a vehicle with anti-theft technology or alarm system can help bring down rates. Systems that thwart thieves such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help prevent auto theft.
• Limits of liability – Liability insurance kicks in in the event that a court rules you are at fault for causing damage or personal injury in an accident. Your policy’s liability insurance provides legal defense to attempt to prove you were not liable. Liability is cheap compared to physical damage coverage, so buy as much as you can afford.
• More miles driven equals more premium – The more you drive in a year’s time the higher your rates will be. A lot of insurance companies calculate rates based upon how the vehicle is primarily used. Cars and trucks that have low annual miles can be on a lower rate level as compared to vehicles used primarily for driving to work. An incorrectly rated CC may be costing you higher rates. It’s a smart idea to ensure your vehicle rating is showing the proper vehicle usage, because it can save money.
• Higher premiums for demanding vocations – Careers such as military generals, executives, and medical professionals generally pay higher rates than the rest of us in part from high stress and extremely grueling work hours. On the flip side, jobs such as farmers, historians and the unemployed pay lower than average rates.

• Claims statistics for a Volkswagen CC – Insurance companies include the past claim history for a vehicle to calculate a rate that will offset any claims. Models that have higher loss trends will cost more for coverage.

  The table below demonstrates the insurance loss data used by companies for Volkswagen CC vehicles. For each policy coverage, the claim amount for all vehicles as a whole is equal to 100. Values that are 100 or less suggest a better than average loss history, while numbers shown that are more than 100 indicate higher probability of having a loss or a tendency for claims to be larger.

  
  

  Volkswagen CC Insurance Claim Statistics

  Make and 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
  Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Auto insurance is not optional

Despite the high cost, maintaining insurance serves a purpose in several ways.

• Most states have mandatory liability insurance requirements which means you are required to buy a specific minimum amount of liability protection in order to get the vehicle licensed. In New Jersey 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.
• If you bought your vehicle with a loan, more than likely the lender will stipulate that you have comprehensive coverage to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the lender may have to buy a policy to insure your Volkswagen at a more expensive rate and require you to reimburse them a much higher amount than you were paying before.
• Insurance safeguards both your Volkswagen CC and your personal assets. It will also pay for most medical and hospital costs for both you and anyone you injure as the result of an accident. Liability insurance will also pay for a defense attorney if someone files suit against you as the result of an accident. If your Volkswagen gets damaged, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.

The benefits of carrying enough insurance definitely exceed the cost, particularly when you have a large claim. According to a 2015 survey, the average American driver overpays as much as $855 a year so compare rate quotes each time the policy renews to ensure rates are inline.

Persistence is the key to cheaper rates

We’ve covered a lot of tips how to shop for Volkswagen CC insurance online. The most important thing to understand is the more price quotes you have, the better your chances of lowering your prices. Drivers may even discover the best premium rates are with a lesser-known regional company. Smaller companies may have significantly lower prices on certain market segments as compared to the big name companies such as State Farm and Allstate.

As you prepare to switch companies, do not reduce needed coverages to save money. In many instances, drivers have reduced liability coverage limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The goal is to buy the best coverage you can find at the best price and still be able to protect your assets.

More tips and info about auto insurance is located in these articles:

• Learn About Car Insurance (GEICO)
• Who Has Cheap Jersey City Car Insurance Rates for College Students? (FAQ)
• Who Has Cheap Jersey City Auto Insurance for a Honda Civic? (FAQ)
• Who Has the Cheapest Auto Insurance Quotes for Drivers Requiring a SR22 in Jersey City? (FAQ)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Where can I buy Insurance? (Insurance Information Institute)
• Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)