There isn't a single person who likes having to buy insurance, especially when they are paying too much.
A recent survey discovered that nearly 70% of drivers kept buying from the same company for a minimum of four years, and almost half have never shopped around. Indianapolis insurance shoppers can save 55% each year just by comparing rates, but they just don't understand the amount of money they would save if they switched to a cheaper policy.
Since vehicle owners have many options when it comes to insurance, it can be hard to locate the best insurer.
This article's goal is to teach you a little about how to get online quotes and some money-saving tips. If you already have coverage, you stand a good chance to be able to get lower rates using this information. Although Indiana drivers do need to learn the methods companies use to calculate their prices and use it to your advantage.
When shopping for Volkswagen CC insurance in Indianapolis there are multiple ways to get quotes from companies that offer car insurance in Indiana. The recommended way to find competitive Volkswagen CC insurance rates is simply to get online rate quotes.
Getting rate quotes online is very simple and it takes the place of having to spend your day driving to all the different insurance agencies. Comparing online rate quotes eliminates the need for an insurance agent unless you want the guidance that can only be provided by a licensed insurance agent. However, consumers can compare the best prices online but still have the advice of a local agent.
It's important to know that making a lot of price comparisons will enable you to find more affordable rates. Some smaller insurers do not give price estimates online, so it's important to compare prices from them, too.
The following companies have been selected to offer free rate quotes in Indiana. If multiple companies are shown, we recommend you visit as many as you can to find the lowest auto insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|CC Sport 4-Dr Coupe||$146||$306||$364||$22||$110||$948||$79|
|CC Luxury 4-Dr Coupe||$154||$288||$264||$16||$80||$802||$67|
|CC VR6 Sport 4-Dr Coupe||$262||$610||$318||$18||$94||$1,302||$109|
|CC VR6 Motion 4-Dr Coupe||$190||$392||$318||$18||$94||$1,012||$84|
|Get Your Own Custom Quote Go|
Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Table data does not factor in vehicle garaging location which can lower or raise premiums noticeably.
Insurance premiums for males and females
The example below shows the difference between Volkswagen CC auto insurance costs for male and female drivers. The rates are based on no claims, a clean driving record, full coverage, $250 deductibles, single marital status, and no discounts are factored in.
Lower-cost Volkswagen CC insurance rates in Indianapolis
Car insurance companies do not advertise the entire discount list very well, so the list below gives a summary of some of the best known as well as some of the hidden discounts that you can inquire about if you buy Indianapolis auto insurance online.
- Driver's Ed - It's a good idea to have your young drivers complete a driver education course if it's offered in school.
- No Claim Discounts - Claim-free drivers can save substantially compared to frequent claim filers.
- Safety Restraint Discount - Requiring all passengers to wear their seat belts could save 15% on the premium charged for medical payments and/or PIP.
- Service Members Pay Less - Being deployed in the military could trigger a small discount.
- Professional Organizations - Joining a professional or civic organization may earn a discount on your next renewal.
- Discount for Swiching Early - A few car insurance companies give discounts for switching to them before your current coverage expires. The savings is around 10%.
- Smart Student Discounts - Performing well in school can save 20 to 25%. Many companies even apply the discount to college students up to age 25.
- Resident Student - Older children who are enrolled in higher education away from home and do not have a car may be insured at a cheaper rate.
One last thing about discounts, many deductions do not apply the the whole policy. Most cut the cost of specific coverages such as medical payments or collision. Just because you may think you would end up receiving a 100% discount, it just doesn't work that way.
The best car insurance companies and some of their more popular discounts are detailed below.
- Travelers discounts include IntelliDrive, new car, save driver, multi-car, and payment discounts.
- 21st Century may include discounts for early bird, theft prevention, air bags, student driver, defensive driver, good student, and anti-lock brakes.
- State Farm has savings for Steer Clear safe driver discount, multiple policy, good student, Drive Safe & Save, and student away at school.
- GEICO policyholders can earn discounts including emergency military deployment, seat belt use, driver training, good student, anti-theft, daytime running lights, and federal employee.
- SAFECO includes discounts for safe driver, accident prevention training, anti-theft, anti-lock brakes, bundle discounts, homeowner, and multi-car.
- AAA offers discounts for good driver, education and occupation, multi-car, anti-theft, and good student.
If you want the cheapest Volkswagen CC rate quotes, ask all companies you are considering which discounts they offer. Some of the earlier mentioned discounts might not be offered on policies everywhere. To choose insurers that offer many of these discounts in Indiana, click here to view.
Why you need auto insurance
Despite the fact that auto insurance is not cheap in Indianapolis, maintaining insurance is required for several reasons.
- The majority of states have mandatory liability insurance requirements which means state laws require specific minimum amounts of liability insurance in order to drive the car. In Indiana these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you took out a loan on your vehicle, almost every bank will make it mandatory that you have physical damage coverage to ensure loan repayment if the vehicle is totalled. If the policy lapses, the lender may insure your Volkswagen for a much higher rate and force you to pay the higher price.
- Auto insurance preserves both your assets and your Volkswagen. It will also provide coverage for medical bills for both you and anyone you injure as the result of an accident. As part of your policy, liability insurance also pays for attorney fees and expenses if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will cover the repair costs.
The benefits of insuring your car definitely exceed the cost, particularly if you ever have a claim. Unknowingly, the average driver is overpaying more than $810 a year so smart consumers compare quotes each time the policy renews to be sure current rates are still competitive.
Insurance agent or online?
Many drivers just prefer to buy from a licensed agent and that is just fine! A nice benefit of getting online price quotes is you can get the lowest rates and still buy from a local agent. Buying insurance from local insurance agents is important especially in Indianapolis.
By using this quick form, the quote information is sent to local insurance agents in Indianapolis who will gladly provide quotes for your insurance coverage. You won't need to drive around since rate quotes are delivered to your email. You can find better rates without a big time investment. If you need to compare prices for a specific company, you would need to visit that company's website and fill out their quote form.
Best auto insurance agent in Indianapolis
If you prefer to buy insurance from a reputable agency, there are two different types of agents and how they differ in how they can insure your vehicles. Insurance agencies in Indianapolis can be classified as either independent or exclusive depending on the company they work for.
Independent Agents (or Brokers)
Agents that choose to be independent are not employed by any specific company so as a result can place your coverage with lots of companies and possibly get better coverage at lower prices. If they quote lower rates, they simply switch companies in-house and you don't have to switch agencies. If you are comparing rate quotes, you need to include rate quotes from several independent agencies to have the most options to choose from.
The following is a list of independent agencies in Indianapolis that can possibly get you cheap rate quotes.
Exclusive insurance agents can only quote rates from one company and examples are State Farm, AAA, and Liberty Mutual. Exclusive agents cannot place coverage with different providers so they have to upsell other benefits. Exclusive agencies are well schooled on the products they sell which aids in selling service over price.
Shown below is a short list of exclusive insurance agencies in Indianapolis that are able to give rate quotes.
Frances Johnson - State Farm Insurance Agent
5707 N Michigan Rd - Indianapolis, IN 46228 - (317) 257-3504 - View Map
Picking an auto insurance agent needs to be determined by more than just the price. Ask your prospective agent these questions:
- Which insurance company do they prefer to write with?
- What insurance companies do they recommend if they are an independent agent?
- When do they do policy reviews?
- Do they prorate repair cost based on vehicle mileage?
- What will you get paid if your car is a total loss? How is that amount determined?
After getting positive feedback to your questions and affordable Volkswagen CC insurance rates in Indianapolis quotes, you may have just found an insurance agency that can be relied on to insure your vehicles.
Auto insurance specifics
Knowing the specifics of your auto insurance policy helps when choosing appropriate coverage for your vehicles. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy. Listed below are the normal coverages offered by auto insurance companies.
Comprehensive or Other Than Collision - Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for things such as vandalism, theft, hitting a deer, rock chips in glass and hitting a bird. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.
Medical costs insurance - Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for nursing services, pain medications, hospital visits, ambulance fees and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible
UM/UIM Coverage - Your UM/UIM coverage protects you and your vehicle's occupants when the "other guys" do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle's occupants as well as damage to your Volkswagen CC.
Since a lot of drivers only carry the minimum required liability limits (25/50/10 in Indiana), their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally the UM/UIM limits are similar to your liability insurance amounts.
Liability coverages - This protects you from damages or injuries you inflict on people or other property by causing an accident. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/10 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $10,000. Some companies may use a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.
Liability coverage protects against things such as structural damage, attorney fees, court costs, funeral expenses and legal defense fees. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford. Indiana state minimum liability requirements are 25/50/10 but drivers should carry more coverage.
Collision - This pays to fix your vehicle from damage resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things like rolling your car, scraping a guard rail and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible on your CC to save money on collision insurance.