How many times have you told yourself it’s time to shop around for cheaper Volkswagen CC insurance in Chicago? Searching for the cheapest insurance for a Volkswagen CC in Illinois can normally be an all-consuming task, but you can use our car insurance buying tips to save time.
There is a better way to buy car insurance so we’re going to tell you the proper way to price shop coverage for your Volkswagen and get the lowest price from Chicago insurance agents and online providers.
It’s a good idea to quote other rates at least once a year because prices trend upward over time. Just because you found the best rates on Volkswagen CC insurance in Chicago at your last renewal you will most likely find a better rate quote today. Don’t believe everything you read about CC insurance on the internet, but in a few minutes you can learn a bunch of ideas how to put money back in your pocket.
The best way to get rate comparisons for Volkswagen CC insurance in Chicago is to realize most insurance companies participate in a system to quote your coverage. To get started, all you need to do is give the companies some data such as driver details, whether you are married, your occupation, and how your vehicles are used. That rating information is then submitted to many of the top insurers and you should receive rate quotes almost instantly.
To find the cheapest Volkswagen CC insurance rates, click here and find out if you can get cheaper insurance in Chicago.
The auto insurance companies shown below have been selected to offer price comparisons in Illinois. If multiple companies are shown, we recommend you visit two to three different companies in order to find the lowest rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|CC Sport 4-Dr Coupe||$260||$400||$342||$20||$102||$1,124||$94|
|CC Luxury 4-Dr Coupe||$160||$316||$294||$18||$88||$876||$73|
|CC VR6 Sport 4-Dr Coupe||$282||$550||$262||$16||$78||$1,188||$99|
|CC VR6 Motion 4-Dr Coupe||$134||$284||$294||$18||$88||$818||$68|
|Get Your Own Custom Quote Go|
Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Illinois minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Premium amounts do not factor in vehicle location which can impact coverage prices significantly.
Does full coverage make sense?
The illustration below illustrates the difference between Volkswagen CC insurance premiums with full physical damage coverage compared to only buying liability only. The rate quotes are based on no claims or violations, $250 deductibles, single male driver, and no discounts are applied to the premium.
When to drop comprehensive and collision
There is no definitive guideline to drop comp and collision coverage, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than 10% of replacement cost minus your deductible, then you might consider buying liability only.
For example, let’s say your Volkswagen CC book value is $5,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company would pay you is $4,000 after the policy deductible has been paid. If you are paying over $400 annually to have full coverage, then you might consider buying liability only.
There are a few situations where dropping physical damage coverage is not a good plan. If you still owe a portion of the original loan, you have to carry full coverage to protect the lienholder’s interest. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not buy liability only.
Yearly auto insurance costs for men versus women
The diagram below shows the comparison of Volkswagen CC insurance prices for male and female drivers. The premiums are based on no accidents, no driving violations, comprehensive and collision coverage, $1,000 deductibles, single marital status, and no discounts are factored in.
Chicago auto insurance discounts
Some providers don’t list every discount in an easy-to-find place, so we researched a few of the more well known and the more hidden discounts you could be receiving when you buy Chicago car insurance online.
- Seat Belt Discounts – Drivers who require all occupants to use their safety belts can save 10% or more off the personal injury premium cost.
- Distant College Student Discount – Any of your kids living away from Chicago attending college and do not have a car may be insured at a cheaper rate.
- Save over 55 – Drivers that qualify as senior citizens can get lower premium rates.
- New Vehicle Savings – Adding a new car to your policy can save up to 30% since new model year vehicles are generally safer.
- Discounts for Federal Employees – Being employed by or retired from a federal job could provide a small rate reduction depending on your auto insurance provider.
- Good Students Pay Less – Performing well in school can earn a discount of 20% or more. Most companies allow this discount until age 25.
- Club Memberships – Having an affiliation with a professional or civic organization is a simple method to lower premiums on auto insurance.
- No Claims – Drivers with accident-free driving histories are rewarded with significantly better rates on Chicago car insurance quote compared to bad drivers.
- Discounts for Multiple Vehicles – Buying a policy with multiple vehicles with the same auto insurance company can get a discount for every vehicle.
- Drivers Ed for Students – Cut your cost by having your teen driver complete a driver education course as it will make them better drivers and lower rates.
Policy discounts save money, but some of the credits will not apply to the overall cost of the policy. A few only apply to specific coverage prices like collision or personal injury protection. Even though the math looks like all the discounts add up to a free policy, it doesn’t quite work that way. But any discount should help lower your overall premium however.
Some of the insurance companies that may have many of the previously listed discounts may include but are not limited to:
Before purchasing a policy, check with each company or agent to apply every possible discount. A few discounts might not be offered in every state. For a list of companies who offer online Volkswagen CC insurance quotes in Chicago, follow this link.
The Volkswagen CC Insurance Price Equation
Lots of factors are taken into consideration when pricing auto insurance. Some factors are common sense such as traffic violations, but other criteria are more transparent like your vehicle usage and annual miles driven. When buying insurance it’s important to understand the different types of things that go into determining the rates you pay for insurance. When you understand what determines base rates, this allows you to make good choices that may result in cheaper rates.
The itemized list below are some of the items utilized by car insurance companies to help set premiums.
Car features that lower insurance rates – Selecting a car model that has a built-in theft deterrent system can help lower your premiums. Advanced theft deterrents such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop auto theft.
Older drivers are lower risk – More experienced drivers are more cautious drivers, cost insurance companies less in claims, and tend to be get fewer driving tickets.Teen drivers have been known to be less responsible in a vehicle and because of this, their insurance rates are much higher.
Get hitched and get better prices – Having a wife or husband may save some money on your policy. Having a significant other may mean you are more mature and responsible and statistics prove married drivers tend to file fewer claims.
Women tend to take less risk – Statistics demonstrate that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are worse drivers. They both are responsible for at-fault accidents in similar percentages, but guys cause more damage. Men also tend to get cited for more serious violations like DUI and reckless driving.
Vehicles with better crash test results cost less to insure – Cars with high safety ratings tend to be cheaper to insure. Vehicles built for safety reduce the chance of injuries and lower injury rates means less claims paid passed on to you as lower rates. If your Volkswagen scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may cost less to insure.
Save money by having multiple policies – The majority of insurance companies provide lower prices to policyholders that have more than one policy, otherwise known as a multi-policy discount. Even with this discount applied, consumers should still shop around to ensure the best deal. You may still find lower rates by buying from different companies
Vocation can influence prices – Did you know your job can affect your rates? Careers like lawyers, executives and accountants tend to have higher average rates due to job stress and long work days. On the other hand, occupations such as professors, historians and retirees have the lowest average rates.
More performance means more cost – The performance level of the car or truck you are insuring makes a significant difference in your auto insurance rates. The cheapest insurance rates are for low performance passenger cars, but that’s not the only thing that factors into the final price. Due to the fact that the Volkswagen CC is considered a sedan, insuring your vehicle will cost about the same compared to average rates in Chicago.
Insurance loss statistics a Volkswagen CC – Insurers include the past claim trends for vehicles when setting premium costs. Models that have higher frequency or amount of claims will have increased rates.
The table below shows the actual insurance loss data for Volkswagen CC vehicles. For each coverage category, the claim probability for all vehicles, regardless of make or model, is represented as 100. Percentage numbers below 100 suggest losses that are better than average, while percentages above 100 indicate more frequent losses or an increased likelihood of larger losses.
Insurance Loss Ratings for Volkswagen CC Vehicles
|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: Insurance Institute for Highway Safety for 2013-2015 Model Years
Insurance agent or online?
Certain consumers prefer to get advice from a local agent and that can be a smart move Licensed agents can help you choose the best coverages and help file insurance claims. The best thing about price shopping on the web is that you can find better rates and also buy local. Buying from and supporting local insurance agencies is important especially in Chicago.
Once you complete this simple form, your insurance coverage information gets sent to agents in your area who can give free rate quotes and help you find cheaper coverage. There is no reason to even leave your home due to the fact that quote results will go to the email address you provide. If you want to compare prices from a particular provider, just visit that company’s website and submit a quote form there.
Pick the best auto insurance agent in Chicago for you
If you’re trying to find local Chicago agents, you should know the types of agencies that you can choose from. Agents in Chicago are either independent (non-exclusive) or exclusive. Both types can sell and service insurance coverage, but it’s important to know how they are different because it can impact which agent you choose.
Agents in the independent channel do not write with just one company so they can quote policies through many companies and help determine which has the cheapest rates. If premiums increase, they simply switch companies in-house and you stay with the same agent. When comparing insurance rates, you should always check rates from at a minimum one independent agency to get the most accurate price comparison. Most also have access to smaller companies which may provide better rates.
Listed below is a list of independent insurance agencies in Chicago that may be able to provide free insurance rate quotes.
- W.A. George Insurance Agency
155 N Michigan Ave #300 – Chicago, IL 60601 – (312) 729-5265 – View Map
- American Auto Insurance
3201 N Harlem Ave #1 – Chicago, IL 60634 – (773) 286-3500 – View Map
- Active Insurance Agency – Auto Insurance
1034 N Ashland Ave – Chicago, IL 60622 – (773) 286-3473 – View Map
Exclusive Insurance Agents
Exclusive agencies can only write with one company such as State Farm, Allstate, and Farm Bureau. Exclusive agents cannot shop your coverage around so keep that in mind. Exclusive insurance agents are usually quite knowledgeable on their company’s products and that can be a competitive advantage. Consumers sometimes buy from exclusive agents partially due to the brand legacy and strong financial ratings.
Below are exclusive insurance agencies in Chicago willing to provide comparison quotes.
- Allstate Insurance: Maribel Marron
3060 W Armitage Ave – Chicago, IL 60647 – (773) 572-9495 – View Map
- Angela Roudez – State Farm Insurance Agent
1505 S State St – Chicago, IL 60605 – (312) 663-1820 – View Map
- Liane Williams – State Farm Insurance Agent
3143 W 71st St – Chicago, IL 60629 – (773) 436-7500 – View Map
Selecting an auto insurance agent requires you to look at more than just a low price. A good agent in Chicago will have answers to these questions.
- Do they feel the quoted coverages are adequate?
- Can they provide you with a list of referrals?
- How will an accident affect your rates?
- Which insurance company do they prefer to write with?
- Do they regularly work with personal auto policies in Chicago?
- Is their price quote a firm figure or are their hidden costs?
- Does the agency have a positive business rating?
After you get satisfactory answers to these questions and locked in a price quote, chances are good that you have found an insurance agency that can be trusted to properly insure your vehicles. Keep in mind you have the power to cancel a policy whenever you wish so never feel you’re contractually obligated to a policy for the entire policy term.
Persistent drivers can save
Consumers change insurance companies for many reasons like delays in paying claims, high prices, high rates after DUI convictions or policy non-renewal. Regardless of your reason, finding a great new company can be less work than you think.
You just learned quite a bit of information on how to shop for Volkswagen CC insurance online. The key concept to understand is the more providers you compare, the better your comparison will be. Drivers may even discover the most savings is with the smaller companies.
When getting Chicago car insurance quotes online, it’s a bad idea to sacrifice coverage to reduce premiums. There have been many cases where an insured dropped collision coverage only to discover later that it was a big mistake. Your goal is to get the best coverage possible for the lowest cost and still be able to protect your assets.
Other learning opportunities
- Auto Crash Statistics (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance Rates for Safe Drivers in Chicago? (FAQ)
- Who Has the Cheapest Chicago Auto Insurance for a Nissan Altima? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Drivers with Bad Credit in Chicago? (FAQ)
- Who Has Affordable Car Insurance for Teenage Males in Chicago? (FAQ)
- Who Has Affordable Chicago Auto Insurance Quotes for a Toyota RAV4? (FAQ)
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- Think You’re a Safe Driver? (State Farm)