Finding low-cost insurance for a Volkswagen CC in Nevada can turn out to be a painful process, but you can learn a few tricks to find lower rates.
There are both good and bad ways to buy auto insurance and we'll show you the quickest way to compare rates for a new or used Volkswagen and obtain the cheapest rates either online or from Las Vegas insurance agents.
Smart consumers take time to quote other rates before your policy renews because auto insurance prices go up and down regularly. Just because you found the best deal on Volkswagen CC insurance in Las Vegas last year there is a good chance you can find better premium rates now. Forget all the misinformation about auto insurance because we're going to demonstrate the easiest way to buy cheaper Volkswagen CC insurance in Las Vegas.
Companies offering Volkswagen CC insurance in Nevada
The following companies offer price quotes in Las Vegas, NV. If the list has multiple companies, we recommend you get rates from several of them to get a more complete price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|CC Sport 4-Dr Coupe||$170||$324||$296||$18||$88||$896||$75|
|CC Luxury 4-Dr Coupe||$288||$638||$400||$24||$120||$1,470||$123|
|CC VR6 Sport 4-Dr Coupe||$184||$342||$308||$18||$92||$944||$79|
|CC VR6 Motion 4-Dr Coupe||$222||$404||$318||$18||$96||$1,058||$88|
|Get Your Own Custom Quote Go|
Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Premium costs do not factor in garaging location in Las Vegas which can impact coverage rates greatly.
Impact of violations and accidents on rates
The diagram below demonstrates how citations and at-fault collisions increase Volkswagen CC insurance costs for different insured age categories. The data is based on a single female driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.
Cost comparison with and without full coverage
The illustration below shows the comparison of Volkswagen CC auto insurance rates with full coverage and liability only. The data assumes no violations or accidents, $500 deductibles, single female driver, and no discounts are taken into consideration.
When to buy liability coverage only
There is no exact formula that is best for determining when to drop physical damage insurance, but there is a general guideline. If the annual cost of having full coverage is more than around 10% of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.
For example, let's assume your Volkswagen CC settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would receive is $7,000 after paying the physical damage deductible. If it's costing in excess of $700 a year for full coverage, then it may be the right time to buy liability only.
There are some conditions where buying only liability insurance is not recommended. If you haven't satisfied your loan, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should maintain full coverage.
Volkswagen CC annual premiums for males versus females
The example below shows the comparison of Volkswagen CC annual premium costs for male and female drivers. The costs are based on no claims or violations, comprehensive and collision coverage, $100 deductibles, drivers are single, and no discounts are applied.
These discounts can lower your car insurance rates
Car insurance is not cheap, but companies offer discounts that may help make it more affordable. A few discounts will be applied at quote time, but some discounts are required to be specifically requested before they will apply. If you aren't receiving every discount available, you are not getting the best rate possible.
- Safety Restraint Discount - Drivers who require all occupants to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.
- College Student - Kids who live away from home at college and do not have a car may be able to be covered for less.
- Student Discount for Driver Training - It's a good idea to have your young drivers enroll in driver's education in school or through a local driver safety program.
- Club Memberships - Belonging to a qualifying organization is a good way to get lower rates on your bill.
- Waiver for an Accident - Not necessarily a discount, but some companies like Allstate, Progressive, and GEICO permit an accident without getting socked with a rate hike if you are claim-free before the accident.
- Passive Restraints - Factory air bags and/or automatic seat belt systems may get savings as much as 30%.
- Discount for Swiching Early - A few larger companies allow discounts for switching to them before your current expiration date. Ten percent is about the average savings.
You can save money using discounts, but most discount credits are not given to your bottom line cost. Most only cut specific coverage prices like comprehensive or collision. Even though it may seem like adding up those discounts means a free policy, that's just not realistic.
Companies that may include these benefits include:
If you are trying to find affordable Las Vegas car insurance quotes, ask each insurance company how you can save money. Discounts might not be offered on policies in your area.
Local neighborhood agents and auto insurance
A small number of people would rather sit down and talk to an agent and that is a smart decision Insurance agents can help you build your policy and help file insurance claims. An additional benefit of comparing rates online is the fact that you can find the best rates but also keep your business local. Putting coverage with neighborhood agents is especially important in Las Vegas.
By using this short form, the coverage information is emailed to insurance agents in Las Vegas that can provide free Las Vegas car insurance quotes for your coverage. You never need to drive around because prices are sent directly to you. If you want to get a price quote from a specific insurance company, just jump over to their website and give them your coverage information.
If you're trying to find a local Las Vegas insurance agent, there are two types of insurance agents to choose from. Agents in Las Vegas can be categorized as either independent agents or exclusive agents depending on their employer. Both can insure your vehicles, but it's a good idea to understand how they differ since it may influence which agent you choose.
Independent Auto Insurance Agents (or Brokers)
Agents that elect to be independent can quote rates with many companies so they can insure your vehicles amongst many companies and get you the best rates possible. If premiums increase, your policy is moved internally and you can keep the same agent.
When comparing auto insurance prices, you absolutely need to include at least one independent agent to maximize your price options. They also have the ability to place coverage with smaller mutual companies which can be an advantage.
Listed below are Las Vegas independent insurance agents that may be able to give price quote information.
- Invest America Insurance LLC
6190 W Charleston Blvd - Las Vegas, NV 89146 - (702) 685-3888 - View Map
- Lanny Maren CIG Insurance Las Vegas
4175 S Riley St #200 - Las Vegas, NV 89147 - (702) 597-5998 - View Map
- All Nevada Insurance
9440 W Sahara Ave #210 - Las Vegas, NV 89117 - (702) 873-4889 - View Map
Agents in the exclusive channel have only one company to place business with and examples are Farmers Insurance, Allstate, or State Farm. Exclusive agents cannot compare other company's rates so they have to upsell other benefits. Exclusive agencies receive a lot of sales training on what they offer and that allows them to sell at a higher price point. Some insured continue to use the same agent mostly because of the prominence of the brand instead of buying on price only.
Listed below is a list of exclusive agencies in Las Vegas willing to provide rate quotes.
- Kate Lowe - State Farm Insurance Agent
10198 W Flamingo Rd #130 - Las Vegas, NV 89147 - (702) 363-4500 - View Map
- Luria Walker - State Farm Insurance Agent
3124 N Rainbow Blvd - Las Vegas, NV 89108 - (702) 645-3300 - View Map
- Ron Reedom - State Farm Insurance Agent
1943 N Nellis Blvd - Las Vegas, NV 89115 - (702) 459-9546 - View Map
Finding the right auto insurance agent needs to be determined by more than just a cheap quote. The following questions are important to ask.
- If they are an independent agency in Las Vegas, which companies do they recommend?
- How are claims handled?
- What company holds the largest book of business for them?
- Do the agents have professional certifications like CPCU or CIC?
- Do they have cheaper tiers of coverage?
- Do they offer claims assistance after hours?
- Does the company have a solid financial rating?
- Do you need full coverage on every vehicle?
Auto insurance savings summarized
In this article, we covered many tips how you can get a better price on Volkswagen CC insurance in Las Vegas. The most important thing to understand is the more quotes you get, the better likelihood of getting low cost Las Vegas car insurance quotes. You may even be surprised to find that the most savings is with some of the lesser-known companies.
Consumers change insurance companies for many reasons like being labeled a high risk driver, unfair underwriting practices, policy non-renewal or even delays in responding to claim requests. Regardless of your reason, choosing a new insurance company can be pretty painless.
Lower-priced Volkswagen CC insurance in Las Vegas is definitely available online and with local Las Vegas insurance agents, so get free Las Vegas car insurance quotes from both of them so you have a total pricing picture. Some insurance providers may not offer internet price quotes and these regional insurance providers only sell coverage through independent agencies.
For more information, link through to these articles:
- What are my Rights when Filing a Claim? (Insurance Information Institute)
- Who Has Cheap Car Insurance Rates for a Subaru Outback in Nevada? (FAQ)
- Who Has Affordable Nevada Auto Insurance for a Toyota Tacoma? (FAQ)
- What is the Cheapest Auto Insurance in Spring Valley, NV? (FAQ)
- Who Has the Cheapest Nevada Car Insurance Quotes for a Mazda CX-7? (FAQ)
- Neck Injury FAQ (iihs.org)
- Older Driver Statistics (Insurance Information Institute)
- Vehicle Size and Weight FAQ (iihs.org)