Feel like you have an overpriced auto insurance policy? You're preaching to the choir because you are not the only one feeling buyer's remorse.
Amazingly, the vast majority of drivers renewed their policy with the same company for over three years, and approximately 38% of consumers have never quoted auto insurance rates at all. With the average premium in Hawaii being $962, drivers could pocket almost 40% a year just by shopping around, but they just feel it's too hard to do a rate comparison. Many insurers compete for your insurance dollar, so it can be very hard to choose a company to find the absolute cheapest price on Volkswagen CC insurance in Honolulu.
It's a good idea to compare premium rates at least once a year because auto insurance prices change quite often. Even if you got the lowest rate on Volkswagen CC insurance in Honolulu last year the chances are good that you can find a lower premium rate today. Forget all the misinformation about auto insurance because you're about to find out the fastest way to find the best coverage while lowering your premiums.
If you have coverage now or need a new policy, take advantage of these tips to lower your rates while maximizing coverage. Choosing the best rates in Honolulu is much easier if you have a good place to start. Shoppers only need an understanding of how to compare price quotes from multiple carriers.
Don't overlook these Volkswagen CC insurance discounts
The price of auto insurance can be rather high, but there could be available discounts that many people don't even know exist. Most are applied at quote time, but occasionally some discounts must be specially asked for before being credited. If you do not check that you are getting every discount available, you are just wasting money.
- Theft Deterrent System - Vehicles that have factory alarm systems and tracking devices help deter theft and will qualify for a discount on a Honolulu auto insurance quote.
- Claim-Free Discount - Drivers who don't have accidents can earn big discounts compared to drivers with a long claim history.
- Discount for Life Insurance - Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase auto and life insurance together.
- Club Memberships - Being in a professional or civic organization is a simple method to lower premiums on your next renewal.
- New Vehicle Savings - Buying a new car model can save up to 30% because new model year vehicles are generally safer.
- Safety Course Discount - Taking part in a defensive driving class could possibly earn you a 5% discount and easily pay for the cost of the class.
You should keep in mind that most discount credits are not given to the entire cost. Some only reduce specific coverage prices like comprehensive or collision. Despite the fact that it seems like it's possible to get free car insurance, it just doesn't work that way.
To find insurers offering insurance discounts in Hawaii, click here to view.
All the larger auto insurance companies like Allstate, GEICO and Progressive provide price estimates directly from their websites. Getting quotes for Volkswagen CC insurance in Honolulu doesn't take a lot of time as you simply type in your coverage information into the quote form. After you complete the form, their system requests your driving and credit reports and returns a price quote based on the information you submitted. This makes it easy to compare insurance prices and it's necessary to compare as many rates as possible if you are searching for the lowest payment.
In order to get comparison pricing now, check out the auto insurance providers below. If you have coverage now, it's recommended you input the coverage information as shown on your current policy. This helps ensure you will receive a price comparison using the same coverage and limits.
The car insurance companies shown below offer price quotes in Honolulu, HI. If multiple companies are listed, it's highly recommended you visit two to three different companies to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|CC Sport 4-Dr Coupe||$252||$558||$320||$18||$96||$1,244||$104|
|CC Luxury 4-Dr Coupe||$214||$328||$346||$20||$104||$1,012||$84|
|CC VR6 Sport 4-Dr Coupe||$246||$574||$300||$18||$90||$1,228||$102|
|CC VR6 Motion 4-Dr Coupe||$180||$388||$300||$18||$90||$976||$81|
|Get Your Own Custom Quote Go|
Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Prices do not factor in specific zip code location which can decrease or increase premiums substantially.
Volkswagen CC insurance rates: Men versus women
The chart below shows the difference between Volkswagen CC premium costs for male and female drivers. The costs are based on no violations or accidents, comp and collision included, $500 deductibles, single marital status, and no policy discounts are applied.
Get Cheaper Insurance Premiums by Understanding These Factors
An important part of buying insurance is that you know some of the factors that are used to determine car insurance rates. When you know what positively or negatively positively or negatively impacts your premiums, this allows you to make good choices that can help you get big savings. Many factors are part of the equation when premium rates are determined. Some factors are common sense like an MVR report, although some other factors are less apparent like where you live or your financial responsibility.
Cars with good safety ratings cost less to insure - Vehicles with good safety scores are cheaper to insure. Safe vehicles reduce injuries and fewer serious injuries means less money paid by your insurance company which can mean better rates for you. If your Volkswagen scored at minimum an "acceptable" rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
High credit scores save money - Your credit score is a big factor in your rate calculation. Drivers who have very high credit ratings tend to be more responsible than drivers with bad credit. So if your credit rating is not that good, you could pay less to insure your Volkswagen CC if you improve your credit rating.
Pay more out-of-pocket - The deductibles represent how much money the insured will be required to pay before your car insurance pays a claim. Physical damage insurance, also known as collision and other-than-collision, is used to repair damage to your car. Examples of some claims that would be covered could be rearending another vehicle, damage caused by hail, and damage caused by road hazards. The more you are required to pay out-of-pocket, the less your car insurance will be.
No policy claims equals lower car insurance rates - If you file claims often, you can expect higher premiums or even policy non-renewal. Car insurance companies in Hawaii generally give the best rates to people who do not file claims often. Auto insurance is intended for claims that you cannot pay yourself.
Claims statistics for a Volkswagen CC - Car insurance companies use claims history to calculate a rate that will offset any claims. Models that tend to have higher loss trends will have higher rates for specific coverages.
The table shown below demonstrates the insurance loss data used by companies for Volkswagen CC vehicles. For each policy coverage, the statistical loss for all vehicles, as an average, is considered to be 100. Values that are under 100 indicate a favorable loss history, while values that are above 100 show a trend for more claims or statistically larger claims.
Car Insurance Loss Data for Volkswagen CC Models
|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|
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
How to know if you need help
Keep in mind that when it comes to choosing insurance from an agent or online, there isn't really a one-size-fits-all type of policy. Everyone's situation is unique.
For example, these questions could help you determine whether you could use an agent's help.
- Can I afford to pay high deductible claims out of pocket?
- Are there any extra discounts I can get?
- Who sells insurance for high-risk drivers?
- Is my nanny covered when transporting my kids?
- Does my car insurance cover rental cars?
- Does every company file a SR-22 automatically?
- Can I rate high risk drivers on liability-only vehicles?
If you can't answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and can provide invaluable advice.
Do I need an agent?
Many drivers just want to talk to an insurance agent and often times that is recommended Experienced insurance agents can help you choose the best coverages and help in the event of a claim. An additional benefit of comparing car insurance online is that you can obtain the best rates and still have an agent to talk to. Buying from local agents is important particularly in Honolulu.
After filling out this short form, the coverage information gets sent to companies in Honolulu who will give you quotes for your car insurance coverage. There is no reason to contact any insurance agencies since price quotes are sent to the email address you provide. If you have a need to compare prices from a particular provider, just go to their quote page and submit a quote form there.
If you prefer to buy car insurance from a reliable agent, there are two types of insurance agents that you can select. Car insurance agencies are classified as either independent agents or exclusive agents. Either one can properly insure your vehicles, but it's worth mentioning the difference in how they write coverage because it can influence which agent you choose.
Independent Car Insurance Agents (or Brokers)
Independent agents do not write with just one company so as a result can place your coverage with a variety of different insurance companies and find you cheaper rates. If your agent finds better pricing, they simply switch companies in-house which is easy for the insured. If you are comparing rate quotes, it's a good idea to include price quotes from multiple independent agents so that you can do a thorough price comparison.
The following are independent insurance agents in Honolulu that may be able to give you competitive price quotes.
Exclusive insurance agents can only provide pricing for a single company like Allstate and State Farm. Exclusive agents are unable to compare other company's rates so always compare other rates. Exclusive insurance agents receive extensive training on their company's products which helps them sell on service rather than price.
Listed below is a list of exclusive insurance agencies in Honolulu that are able to give rate quotes.
Suzette Rudolf Trehern - State Farm Insurance Agent
7192 Kalanianaole Hwy g210 - Honolulu, HI 96825 - (808) 395-3434 - View Map
Deciding on an auto insurance agent requires more thought than just the quoted price. Any good agent in Honolulu should know the answers to these questions.
- Does the agent have a valid license to sell insurance in Hawaii?
- How many companies do they write for?
- Is assistance available after office hours?
- Do they specialize in personal lines auto insurance in Honolulu?
- Is the agency involved in supporting local community causes?
Buying the right CC insurance in Hawaii is an important decision
Despite the potentially high cost of Volkswagen CC insurance, paying for auto insurance is required for several reasons.
First, almost all states have minimum liability requirements which means state laws require specific minimum amounts of liability in order to drive the car legally. In Hawaii these limits are 20/40/10 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you have a loan on your CC, most banks will require you to have full coverage to guarantee loan repayment. If coverage lapses or is cancelled, the bank may insure your Volkswagen at an extremely high rate and require you to fork over for the much more expensive policy.
Third, insurance safeguards both your car and your personal assets. Insurance will pay for hospital and medical expenses incurred in an accident. Liability coverage also pays for attorney fees and expenses if you are sued as the result of an accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.
The benefits of having auto insurance more than cancel out the cost, specifically if you ever have a liability claim. As of last year, the average driver in Hawaii overpays as much as $865 each year so we recommend shopping around at least once a year to make sure the price is not too high.
One last thing about your coverage
Budget-conscious Volkswagen CC insurance can be purchased online and from local agencies, and you should compare price quotes from both in order to have the best chance of saving money. Some companies do not provide the ability to get quotes online and many times these small, regional companies only sell through local independent agents.
When getting Honolulu auto insurance quotes online, never reduce needed coverages to save money. There have been many cases where an accident victim reduced comprehensive coverage or liability limits only to discover later that the savings was not a smart move. Your focus should be to purchase a proper amount of coverage at a price you can afford and still be able to protect your assets.
We covered quite a bit of information on how to get a better price on Volkswagen CC insurance in Honolulu. The key concept to understand is the more providers you compare, the better your comparison will be. Consumers could even find that the best price on car insurance is with a small mutual company.
Additional detailed information can be read in these articles:
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- Think You're a Safe Driver? (State Farm)
- Auto Insurance Learning Center (State Farm)
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)