Cheap Volkswagen CC Insurance in Honolulu

Insurance for Volkswagen CCTo save the most money, the best way to save on Volkswagen CC insurance is to compare quotes once a year from providers that insure vehicles in Honolulu.

Step 1: Try to learn a little about how auto insurance works and the steps you can take to prevent expensive coverage. Many rating factors that drive up the price such as high-risk driving behaviors and a bad credit score can be amended by making minor changes in your lifestyle.

Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from a single company like Progressive or Farmers Insurance, while agents who are independent can provide rate quotes for a wide range of insurance providers.

Step 3: Compare the price quotes to your current policy premium to determine if switching companies saves money. If you find better rates, verify that coverage does not lapse between policies.

Step 4: Notify your current company of your intention to cancel the current policy and submit a signed application and payment to the new company. Once the paperwork is finalized, store the certificate of insurance in your vehicle.

One thing to remember is to compare the same physical damage deductibles and liability limits on every price quote and and to compare as many companies as possible. This ensures an accurate price comparison and the best price selection.

We don’t have to point out that fact that auto insurance companies don’t want their customers to go rate shopping. People who compare rates at least once a year will probably buy a new policy because there are good odds of finding lower prices. A recent insurance study revealed that people who compared rates once a year saved an average of $865 annually compared to policyholders who never shopped for cheaper rates.

If saving the most money on Volkswagen CC insurance is your ultimate goal, then having an understanding of how to shop for insurance can help you be more efficient.

Honolulu insurance discounts for a Volkswagen CC

Car insurance companies do not list the complete list of policy discounts in an easy-to-find place, so the below list has some of the more common as well as some of the hidden auto insurance savings.Discount auto insurance

A little note about advertised discounts, some of the credits will not apply to the whole policy. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. If you do the math and it seems like all those discounts means the company will pay you, nobody gets a free ride. But all discounts will definitely lower your policy premium.

The information below illustrates the difference between Volkswagen CC insurance costs with and without discounts. The premiums are based on a male driver, no claims or violations, Hawaii state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, multi-car, safe-driver, homeowner, and marriage discounts applied.

Large auto insurance companies and a selection of discounts are outlined below.

If you need lower rates, check with each company to give you their best rates. Some discounts listed above may not apply to policyholders in Honolulu. If you would like to view insurers that offer the discounts shown above in Honolulu, follow this link.

The easiest way to compare car insurance rates for Volkswagen CC insurance in Honolulu is to understand all the major auto insurance companies actually pay money for the chance to compare their rates. To get started, all you need to do is give them rating details including daily mileage, level of coverage desired, what your job is, and your credit rating estimate. Your information is instantly provided to insurance carriers in your area and you will get price comparisons within a short period of time.

To check Volkswagen CC insurance prices now, click here and see if a lower rate is available in Honolulu.

The companies shown below have been selected to offer comparison quotes in Honolulu, HI. If multiple companies are shown, we suggest you compare several of them to get a more complete price comparison.

Facts and figures for Volkswagen CC insurance

The coverage table below showcases different rate quotes for Volkswagen CC models. Learning how insurance prices are determined is important for drivers to make informed decisions when comparing rate quotes.

Volkswagen CC Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CC Sport 4-Dr Coupe $250 $476 $270 $16 $80 $1,092 $91
CC Luxury 4-Dr Coupe $250 $476 $270 $16 $80 $1,092 $91
CC VR6 Sport 4-Dr Coupe $278 $546 $270 $16 $80 $1,190 $99
CC VR6 Motion 4-Dr Coupe $278 $546 $270 $16 $80 $1,190 $99
Get Your Own Custom Quote Go

Data variables include married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Rate quotes do not factor in vehicle location which can raise or lower coverage prices significantly.

Choosing deductibles

One of the most common auto insurance questions is how high should the physical damage coverage deductibles be. The rates shown below lay out the rate difference when you choose different comp and collision deductibles. The first set of rates uses a $250 deductible for comp and collision and the second data table uses a $1,000 deductible.

Volkswagen CC insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CC Sport 4-Dr Coupe $230 $406 $264 $16 $80 $1,021 $85
CC Luxury 4-Dr Coupe $230 $406 $264 $16 $80 $1,021 $85
CC VR6 Sport 4-Dr Coupe $258 $468 $264 $16 $80 $1,111 $93
CC VR6 Motion 4-Dr Coupe $258 $468 $264 $16 $80 $1,111 $93
Get Your Own Custom Quote Go

Volkswagen CC insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CC Sport 4-Dr Coupe $142 $256 $264 $16 $80 $758 $63
CC Luxury 4-Dr Coupe $142 $256 $264 $16 $80 $758 $63
CC VR6 Sport 4-Dr Coupe $158 $294 $264 $16 $80 $812 $68
CC VR6 Motion 4-Dr Coupe $158 $294 $264 $16 $80 $812 $68
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Rate quotes do not factor in garaging location in Honolulu which can impact coverage prices greatly.

Based on these figures, using a $250 deductible will cost in the ballpark of $23 more each month or $276 for a full year than requesting the higher $1,000 deductible. Because you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you average at least 33 months between claims, you would save money going with the higher deductible.

The chart below illustrates how your deductible choice and can increase or decrease Volkswagen CC insurance costs for different insured age categories. The data assumes a married female driver, comp and collision included, and no other discounts are factored in.

Full coverage rates compared to liability-only

The information below illustrates the difference between Volkswagen CC premium costs when comparing full coverage to liability only. The premiums are based on no claims or violations, $100 deductibles, drivers are single, and no other discounts are factored in.

When to stop paying for full coverage

There isn’t a written rule of when to stop paying for full coverage, but there is a general guideline. If the annual cost of your full coverage insurance is more than 10% of the vehicle’s replacement cost less your deductible, then you might consider buying liability only.

For example, let’s say your Volkswagen CC replacement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, you would only receive $7,000 after the deductible is paid. If you are paying over $700 annually for comprehensive and collision coverage, then you may want to consider only buying liability coverage.

There are a few situations where buying only liability insurance is not a good idea. If you still have a loan on your vehicle, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not drop full coverage.

Independent and exclusive car insurance agents

Many drivers would rather talk to a local agent and we recommend doing that Licensed agents can help you build your policy and help you file claims. One of the best bonuses of getting free rate quotes online is that drivers can save money and get lower rates and still buy from a local agent.

To make it easy to find an agent, after completing this quick form, the quote information gets sent to local insurance agents that give free quotes for your business. There is no reason to leave your computer since price quotes are sent to you instantly. If you have a need to get a price quote from one company in particular, you would need to search and find their rate quote page and give them your coverage information.

Selecting a insurer should include more criteria than just a cheap price quote. Here are some questions to ask:

Is an exclusive or independent auto insurance agent right for you?

If you are wanting to find a local Honolulu insurance agency, it can be helpful to understand the different agency structures and how they are distinctly different. Agents are categorized either independent (non-exclusive) or exclusive. Either type can insure your vehicles, but it is important to understand the subtle differences because it may have an impact on which type of agent you select.

Exclusive Insurance Agencies

Agents that elect to be exclusive can usually just insure with one company like Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents cannot compare other company’s rates so they have no alternatives for high prices. Exclusive agents are trained well on sales techniques which helps them sell on service rather than price.

The following are exclusive insurance agencies in Honolulu that are able to give price quotes.

1313 S Beretania St #100Honolulu, HI 96814(808) 593-8221View Map

800 S Beretania St Ste 260Honolulu, HI 96813(808) 591-8016View Map

2153 N King St #108aHonolulu, HI 96819(808) 847-0835View Map

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Independent Agents (or Brokers)

Agents of this type do not have single company limitations and that enables them to quote your coverage amongst many companies and potentially find a lower price. If they quote lower rates, they simply switch companies in-house without you having to go to a different agency.

When comparing rates, we recommend you get some free quotes from a couple of independent agencies to have the best price comparison.

Listed below is a short list of independent agencies in Honolulu that are able to give comparison quotes.

1440 Kapiolani Blvd # 950Honolulu, HI 96814(808) 942-5353View Map

1022 Bethel StHonolulu, HI 96813(808) 643-4000View Map

1132 Bishop St #1600Honolulu, HI 96813(808) 533-8728View Map

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If you receive satisfactory answers to your questions and a low price estimate, most likely you have located an insurance agency that meets your needs to properly service your insurance policy. But remember, consumers can terminate your policy any time you want so don’t assume that you are permanently stuck with any specific company with no way out.

Don’t give up on affordable rates

In this article, we covered a lot of tips how to save on Volkswagen CC insurance in Honolulu. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your car insurance rates. Consumers may even find the most savings is with the least-expected company. These companies can often provide lower car insurance rates in certain areas compared to the large companies like State Farm, GEICO and Nationwide.

While you’re price shopping online, it’s very important that you do not reduce needed coverages to save money. There have been many situations where someone dropped uninsured motorist or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase plenty of coverage at the best cost, but do not skimp to save money.

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