Best Volkswagen CC Insurance in Cincinnati

Trying to find cheaper insurance for a Volkswagen CC in Ohio could be a painful process, but you can learn a few tricks and make it easy.

There are both good and bad ways to find car insurance online and you need to know the absolute fastest way to quote coverages for a new or used Volkswagen and obtain the best price possible either online or from Cincinnati insurance agents.

You should make it a habit to compare premium rates at least once a year since insurance rates change frequently. Despite the fact that you may have had the best rate on Volkswagen CC insurance in Cincinnati a year ago you may be paying too much now. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to how to use the internet to save money, get proper deductibles and limits, all at the lowest rate.

Why Informed Consumers Pay Less for Volkswagen CC Insurance

Lots of factors are taken into consideration when premium rates are determined. A few of the factors are predictable such as your driving history, but some are not as apparent such as your marital status or how safe your car is.

Shown below are some of the factors that factor into prices.

Qualify for multi-policy discounts – The majority of companies allow a discount to buyers who consolidate policies with them in the form of a multi-policy discount. Even with this discount applied, drivers will still want to comparison shop to confirm you are receiving the best rates possible. Drivers may still save money even if you have your coverage with different companies

Better rates for continuous coverage – Driving without insurance is illegal and auto insurance companies will penalize you for letting your insurance lapse. Not only will rates go up, the inability to provide proof of insurance may result in fines or a revoked license. You may then have to provide proof of insurance in the form of an SR-22 filing with the Ohio DMV.

Youthful drivers are expensive to insure – More mature drivers are more responsible, tend to cause fewer accidents, and are safer drivers. Teenage drivers are known to be careless and easily distracted in a vehicle so they pay higher auto insurance rates.

The chart below uses these variables: single driver, full coverage with $500 deductibles, and no discounts or violations.

Single drivers take more risk – Having a spouse may earn you lower rates compared to being single. Having a spouse is viewed as being less irresponsible and statistics show married drivers tend to have fewer serious accidents.

Raise comp and collision deductibles and save – Insurance for physical damage, also known as collision and other-than-collision, covers your vehicle from damage. Some examples of covered claims are a windshield shattered by a rock, collision with an animal, and burglary. The deductibles you choose are the amount of money you are willing to pay if a claim is determined to be covered. The higher the amount the insured is willing to pay, the less your company will charge you for insurance.

Do safer cars cost less to insure? – Cars with high safety ratings tend to have better insurance rates. Highly rated vehicles reduce the chance of injuries and fewer serious injuries means less claims paid passed on to you as lower rates. If the Volkswagen CC earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.

Loss statistics for a Volkswagen CC – Insurers take into consideration insurance loss statistics for every vehicle to help calculate a profitable premium rate. Vehicles that statistically have a trend towards higher claim severity or frequency will have a higher premium rate.

The table below shows the collected loss data for Volkswagen CC vehicles. For each coverage type, the loss probability for all vehicles compiled together is equal to 100. Values that are 100 or less suggest a better than average loss history, while percentage numbers above 100 indicate frequent claims or statistically larger claims.

Compare quotes for Cincinnati Volkswagen CC insurance

Finding a better price on auto insurance doesn’t have to be difficult. Consumers just need to take time comparing rates to find the company with cheaper Cincinnati car insurance quotes.

The companies shown below offer free quotes in Cincinnati, OH. If multiple companies are listed, it’s highly recommended you get rates from several of them to find the lowest car insurance rates.

Volkswagen CC insurance rates and statistics

The data table displayed next highlights different insurance policy prices for Volkswagen CC models. Having a better understanding of how auto insurance prices are determined can benefit drivers when making informed coverage decisions.

Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Table data does not factor in the specific area where the vehicle is garaged which can impact coverage prices substantially.

Where to set your deductibles

One common question asked by Cincinnati drivers is where to set your physical damage deductibles. The rates below can help show the rate fluctuation between low and high physical damage deductibles. The first data table uses a $100 deductible for physical damage and the second price table uses a $500 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Information does not factor in specific zip code location which can lower or raise prices considerably.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs about $20 more each month or $240 every year than requesting the higher $500 deductible. Because you would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at a minimum 20 months between claim filings, you would save more money if you opt for a higher deductible.

One important note is that increasing deductibles to lower your rates results in more money out-of-pocket when you have a claim. You must have enough disposable savings in order to pay more to get your vehicle repaired.

Irresponsible driving raises your rates

The diagram below shows how speeding tickets and at-fault claims can increase Volkswagen CC insurance costs for different insured age categories. The price estimates are based on a single male driver, comp and collision included, $500 deductibles, and no discounts are applied.

Full coverage rates compared to liability-only

The example below shows the comparison of Volkswagen CC premium costs with full physical damage coverage and with liability coverage only. The premiums assume a clean driving record, no at-fault accidents, $100 deductibles, single status, and no other discounts are factored in.

Should you be buying full coverage?

There is no definitive rule of when to stop paying for full coverage on your policy, but there is a general convention. If the annual cost of having full coverage is 10% or more of the settlement you would receive from your company, then it might be time to consider dropping full coverage.

For example, let’s assume your Volkswagen CC claim settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $2,000 after paying your policy deductible. If premiums are more than $200 a year for your policy with full coverage, then you might want to consider buying only liability coverage.

There are some scenarios where eliminating full coverage is not recommended. If you still have a lienholder on your title, you have to carry full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should keep full coverage in place.

Why you need auto insurance

Despite the fact that auto insurance is not cheap in Cincinnati, auto insurance is required in Ohio but also provides important benefits.

First, almost all states have mandatory liability insurance requirements which means you are required to buy a minimum amount of liability protection in order to drive the car legally. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you have a loan on your CC, it’s most likely the lender will require you to have full coverage to guarantee loan repayment. If you default on your policy, the bank will be required to insure your Volkswagen at a much higher premium rate and require you to pay for the expensive policy.

Third, insurance protects both your assets and your car. It also can pay for medical transport and hospital expenses for yourself as well as anyone injured by you. As part of your policy, liability insurance will also pay to defend you if you are sued as the result of your driving. If you have damage to your Volkswagen as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.

The benefits of carrying enough insurance definitely exceed the cost, especially with large liability claims. But the average driver in Ohio is overpaying more than $820 a year so shop around every year to help ensure money is not being wasted.

Get affordable Volkswagen CC insurance in Cincinnati with discounts

Some providers don’t necessarily list all possible discounts very well, so we break down some of the more common and also the more inconspicuous discounts that you can inquire about if you buy Cincinnati car insurance online.

• Braking Control Discount – Anti-lock brake equipped vehicles can stop better under adverse conditions and the ABS can save up to 10%.
• Distant Student – Children who are enrolled in higher education away from home and do not have access to a covered vehicle could get you a discount.
• Seat Belt Usage – Buckling up and requiring all passengers to buckle up could save 15% on the premium charged for medical payments and/or PIP.
• Club Memberships – Joining qualifying clubs or civic groups could trigger savings on your next renewal.
• Theft Prevention System – Vehicles with anti-theft systems are stolen with less frequency and earn discounts up to 10% off your Cincinnati car insurance quote.
• Driver Education Discount – Require your teen driver to successfully take a driver’s education course as it will make them better drivers and lower rates.
• New Car Discount – Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
• Good Driver Discounts – Accident-free drivers can pay as much as 50% less than less cautious drivers.
• Early Switch Discount – A few auto insurance companies give discounts for renewing your policy prior to the expiration date on your current CC insurance policy. This can save 10% or more.
• Save over 55 – Mature drivers may qualify for a small discount on rates.

While discounts sound great, it’s important to understand that many deductions do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like all those discounts means the company will pay you, it’s just not the way it works.

The example below visualizes the comparison of Volkswagen CC insurance premiums with and without discounts applied to the policy premium. The rates are based on a female driver, a clean driving record, no at-fault accidents, Ohio state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, multi-car, multi-policy, homeowner, and safe-driver discounts applied.

Auto insurance companies that may offer these money-saving discounts include:

• 21st Century
• Progressive
• State Farm
• Nationwide
• Esurance
• The Hartford

If you want low cost Cincinnati car insurance quotes, ask every company to apply every possible discount. All car insurance discounts may not be offered in Cincinnati. To find insurers offering auto insurance discounts in Ohio, click here to view.

Exclusive and independent insurance agents

Some people would rather buy from a local agent and often times that is recommended Good agents are very good at helping people manage risk and will help you if you have claims. One of the great benefits of comparing rates online is that you can find cheap insurance quotes but also keep your business local. Supporting local insurance agencies is definitely important in Cincinnati.

After completing this quick form, the quote information is submitted to participating agents in Cincinnati who will gladly provide quotes for your coverage. It’s much easier because you don’t need to leave your house since rate quotes are delivered straight to your inbox. If for some reason you want to compare rates from a specific company, you would need to jump over to their website and fill out their quote form.

Finding a good insurance company requires you to look at more than just a cheap quote. Here are some questions you should ask.

• How much experience to they have in personal lines coverages?
• Do they regularly work with personal auto policies in Cincinnati?
• How many years have they been established?
• Is coverage determined by price?
• If you are a high risk driver, do they have special markets for your coverage?
• Which members of your family are coverage by the policy?
• Are there any hidden costs in their price quote and does it include driving and credit history?

How to find a good Ohio auto insurance company

Selecting a good quality insurance company is hard considering how many choices you have in Cincinnati. The rank data in the lists below may help you pick which companies to look at when comparing rate quotes.

Top 10 Cincinnati Car Insurance Companies by A.M. Best Rank

1. USAA – A++
2. GEICO – A++
3. Travelers – A++
4. State Farm – A++
5. Allstate – A+
6. Progressive – A+
7. Erie Insurance – A+
8. The Hartford – A+
9. Nationwide – A+
10. Esurance – A+

Top 10 Cincinnati Car Insurance Companies Ranked by Customer Satisfaction

1. USAA – 92%
2. Erie Insurance – 88%
3. American Family – 88%
4. State Farm – 88%
5. Nationwide – 88%
6. 21st Century – 88%
7. AAA Insurance – 87%
8. Liberty Mutual – 87%
9. Farmers Insurance – 87%
10. The Hartford – 87%

The lowest rates come from being thorough

As you quote Cincinnati car insurance, don’t be tempted to skimp on coverage in order to save money. In too many instances, someone sacrificed collision coverage and found out when filing a claim that they should have had better coverage. The aim is to get the best coverage possible for the lowest cost, but do not skimp to save money.

Cost effective Volkswagen CC insurance is possible online and with local Cincinnati insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance companies do not offer rates over the internet and most of the time these regional insurance providers only sell coverage through local independent agents.

We covered some good ideas how you can shop for Volkswagen CC insurance online. The key thing to remember is the more quotes you get, the better chance you’ll have of finding the cheapest Volkswagen CC rate quotes. Consumers may even find the most savings is with some of the lesser-known companies.

Steps to buying cheaper Volkswagen CC insurance in Cincinnati

If saving the most money is your goal, then the best way to save money on car insurance rates in Cincinnati is to do a yearly price comparison from insurance carriers who can sell car insurance in Ohio.

• Step 1: Take a little time to learn about how companies set rates and the modifications you can make to keep rates low. Many rating factors that cause high rates like speeding tickets, accidents and an imperfect credit history can be remedied by improving your driving habits or financial responsibility.
• Step 2: Quote rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can give quotes from a single company like Progressive or State Farm, while agents who are independent can give you price quotes from many different companies.
• Step 3: Compare the price quotes to your existing coverage to see if cheaper CC coverage is available. If you find a better price and make a switch, verify that coverage does not lapse between policies.
• Step 4: Give notification to your current company to cancel your current car insurance policy. Submit a down payment along with a completed application to your new insurance company. As soon as coverage is bound, put the new proof of insurance certificate above your visor, in the console, or in the glove compartment.

An important note is to make sure you’re comparing the same physical damage deductibles and liability limits on every quote and and to analyze as many companies as you can. Doing this enables the most accurate price comparison and the most accurate and complete price analysis.

More information

• Side Impact Crash Tests (iihs.org)
• Who Has Affordable Auto Insurance for Drivers with a Bad Driving Record in Cincinnati? (FAQ)
• Who Has Cheap Cincinnati Car Insurance for a Hyundai Elantra? (FAQ)
• What Insurance is Cheapest for a Ford F-150 in Cincinnati? (FAQ)
• Who Has Cheap Car Insurance for Lyft Drivers in Cincinnati? (FAQ)
• Collision Coverage (Liberty Mutual)
• Preventing Carjacking and Theft (Insurance Information Institute)
• Child Safety Seats (Insurance Information Institute)