How many years has it been since you compared low-cost Volkswagen CC insurance in Columbia? Locating low-cost insurance for a Volkswagen CC in South Carolina can normally be an all-consuming task, but you can learn our auto insurance buying tips and make it easy. There are both good and bad ways to shop for auto insurance so you're going to learn the best way to compare rates for your Volkswagen and obtain the lowest possible price either online or from Columbia insurance agents.
It is always a good idea to get comparison quotes as often as possible because prices change quite often. If you had the best quotes on Volkswagen CC insurance in Columbia a few years ago you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because we're going to show you one of the best ways to save on auto insurance.
You may qualify for discounts for Volkswagen CC insurance in Columbia
Companies do not advertise all discounts very well, so the following list contains some of the best known as well as the least known credits that may apply to you. If you aren't receiving every discount possible, you are not getting the best rate possible.
- Telematics Data - Policyholders that allow data collection to analyze driving patterns through the use of a telematics system such as Progressive's Snapshot might see lower rates if they are good drivers.
- Theft Prevention System - Vehicles that have factory alarm systems and tracking devices are stolen less frequently and will qualify for a discount on a Columbia auto insurance quote.
- Braking Control Discount - Cars and trucks equipped with ABS or steering control can reduce accidents so companies give up to a 10% discount.
- Switch and Save Discount - Some auto insurance companies provide a discount for switching to them before your current CC insurance policy expires. It can save you around 10%.
- Multi-policy Discount - If you can bundle your auto and home insurance with the same insurance company they may give you a discount of up to 20% and get you cheaper CC insurance.
One last thing about discounts, most of the big mark downs will not be given to the overall cost of the policy. Some only reduce specific coverage prices like liability and collision coverage. So when it seems like you could get a free auto insurance policy, you won't be that lucky. But all discounts will bring down your premiums.
To find insurers offering auto insurance discounts in South Carolina, follow this link.
Getting a cheaper price on insurance can be quick and easy. Drivers just need to take time comparing price quotes online from several insurance companies.
The companies in the list below are our best choices to provide price quotes in South Carolina. If several companies are displayed, we suggest you visit two to three different companies to get a more complete price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|CC Sport 4-Dr Coupe||$178||$322||$348||$20||$104||$972||$81|
|CC Luxury 4-Dr Coupe||$158||$340||$386||$22||$116||$1,022||$85|
|CC VR6 Sport 4-Dr Coupe||$258||$550||$444||$26||$132||$1,410||$118|
|CC VR6 Motion 4-Dr Coupe||$160||$322||$328||$20||$98||$928||$77|
|Get Your Own Custom Quote Go|
Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Price estimates do not factor in specific zip code location which can revise premiums significantly.
Should you buy full coverage?
The information below visualizes the comparison of Volkswagen CC premium costs when comparing full coverage to state minimum liability only. The information is based on no accidents or driving violations, $500 deductibles, single female driver, and no discounts are factored in.
When to drop comprehensive and collision
There is no set rule to delete physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost minus the deductible, then it may be the right time to buy liability only.
For example, let's say your Volkswagen CC replacement cost is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, you would only receive $3,000 after you pay the deductible. If premium cost is more than $300 annually to have full coverage, the it may be a good time to stop paying for full coverage.
There are some cases where eliminating full coverage is not recommended. If you still owe a portion of the original loan, you must maintain physical damage coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not eliminate full coverage.
Neighborhood insurance agents
A lot of people still like to go talk to an agent and that is recommended in a lot of cases Licensed agents are highly skilled in risk management and help submit paperwork. One of the great benefits of getting free rate quotes online is you can get the best rates and still buy from a local agent.
After filling out this form (opens in new window), the quote information is immediately sent to local insurance agents who will return price quotes for your coverage. It's much easier because you don't need to contact any insurance agencies because quoted prices will be sent straight to your inbox. If you have a need to get a price quote from a specific company, you just need to visit that company's website and submit a quote form there.
Finding the right insurer requires more thought than just the quoted price. Any agent in Columbia should be forthright in answering these questions:
- Are they able to influence company decisions when a claim is filed?
- Is assistance available after office hours?
- Will their companies depreciate repairs to your car based on the mileage?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Where are claims handled?
- Will a damage claim use OEM or aftermarket replacement parts?
If you're trying to find a local insurance agency, it's important to understand the types of agencies and how they are distinctly different. Insurance policy providers can be classified as either independent agents or exclusive agents depending on their employer. Both types of agents can write insurance policies, but it's important to know how they differ since it could factor into the type of agent you choose.
Exclusive agencies can usually just insure with one company like Farmers Insurance, State Farm, or Allstate. They are unable to compare other company's rates so they have no alternatives for high prices. Exclusive insurance agents are usually quite knowledgeable on their company's products which can be an advantage. Consumers frequently use the same exclusive agent primarily because of high brand loyalty and solid financial strength.
Listed below is a list of exclusive insurance agencies in Columbia who may provide you with price quotes.
- Veronica Isaac - State Farm Insurance Agent
1920 Bull St c - Columbia, SC 29201 - (803) 779-6650 - View Map
- Larry Lucas - State Farm Insurance Agent
2100 Gervais St a - Columbia, SC 29204 - (803) 799-1998 - View Map
- Allstate Insurance: Trevor Wright
1945 Decker Blvd Ste 13 - Columbia, SC 29206 - (803) 661-6690 - View Map
Independent Agencies or Brokers
Agents of this type are not employed by one company so they can insure your vehicles with multiple insurance companies enabling the ability to shop coverage around. To move your coverage to a new company, they can switch companies in-house and you don't have to switch agencies. If you are comparing insurance prices, you need to compare prices from a couple of independent agencies in order to compare the most rates. They often place coverage with mutual insurance companies which may provide better rates.
Listed below are Columbia independent insurance agencies that are able to give price quote information.
- Russell-Massey and Company
1320 Elmwood Ave - Columbia, SC 29201 - (803) 779-7854 - View Map
- Theodore and Associates
1700 Laurel St - Columbia, SC 29201 - (803) 799-9979 - View Map
- Nationwide Insurance: Consultative Ins Grp Inc
776 St Andrews Rd - Columbia, SC 29210 - (803) 772-6969 - View Map
Cheaper car insurance is out there
Cheaper Volkswagen CC insurance in Columbia can be found both online in addition to many Columbia insurance agents, so you need to shop Columbia auto insurance with both to have the best rate selection. Some car insurance companies may not provide internet price quotes and many times these regional insurance providers provide coverage only through independent insurance agencies.
Insureds leave their current company for a variety of reasons including unfair underwriting practices, extreme rates for teen drivers, being labeled a high risk driver and even delays in paying claims. It doesn't matter what your reason, finding a new car insurance company is pretty easy and you might even save some money in the process.
As you prepare to switch companies, do not skimp on coverage in order to save money. In too many instances, someone dropped comprehensive coverage or liability limits only to discover later that it was a big error on their part. Your aim should be to purchase plenty of coverage for the lowest cost, but do not sacrifice coverage to save money.
Much more information about car insurance in South Carolina can be read at the links below