Pretty sure you bought an expensive car insurance policy? Believe me, there are lots of Kansas City residents who feel the same.
A recent car insurance study revealed that the vast majority of consumers kept their coverage with the same car insurance company for a minimum of four years, and just under half have never compared rates from other carriers. Many drivers in the United States can cut their rates by as much as $859 a year just by getting comparison quotes, but they just don’t understand how easy it is to compare rates.
Numerous auto insurance companies battle for your hard-earned dollar, and because of this it can be hard to compare auto insurance companies to get the lowest rate on Volkswagen CC insurance in Kansas City.
If you are paying for car insurance now, you will definitely be able to cut your premiums using these tips. Finding the cheapest coverage in Kansas City is not that difficult. But Missouri vehicle owners can benefit from knowing how insurance companies determine premium rates and use this information to your advantage.
Save a ton on Volkswagen CC insurance in Kansas City with these eight insurance discounts
Auto insurance companies don’t always advertise every discount very well, so the following list contains a few of the more common as well as some of the hidden credits available to lower your premiums when you buy Kansas City auto insurance online. If you don’t get every credit you qualify for, you are throwing money away.
- E-sign – Some of the larger companies provide a small discount get Kansas City auto insurance on the web.
- No Charge for an Accident – This one is not really a discount per se, but a handful of insurance companies will allow you to have one accident without the usual rate increase so long as you are claim-free prior to the accident.
- Home Ownership Discount – Being a homeowner may trigger a policy discount on insurance due to the fact that maintaining a home means you have a higher level of financial diligence.
- Bundled Policy Discount – If you combine your auto and home policies with one company you will save up to 20% and get you cheap CC insurance.
- Good Drivers – Drivers without accidents can get discounts for up to 45% lower rates than drivers with accident claims.
- Passive Restraint Discount – Options like air bags may earn rate discounts of 20% or more.
- Discounts for New Vehicles – Buying coverage on a new vehicle may earn a small discount since new vehicles are generally safer.
- Telematics Data Discounts – Drivers who elect to allow their insurance company to look at their driving habits by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks if their driving habits are good.
You can save money using discounts, but most credits do not apply to the whole policy. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though the math looks like you would end up receiving a 100% discount, insurance companies aren’t that generous.
The chart below shows the comparison of Volkswagen CC insurance prices with and without discounts applied to the premium. The data is based on a male driver, no claims or driving citations, Missouri state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, marriage, claim-free, multi-policy, and homeowner discounts applied.
Companies and their possible discounts are outlined below.
- State Farm discounts include safe vehicle, good driver, Drive Safe & Save, good student, and passive restraint.
- Nationwide has discounts for Farm Bureau membership, easy pay, multi-policy, defensive driving, good student, family plan, and anti-theft.
- GEICO includes discounts for daytime running lights, driver training, anti-lock brakes, multi-vehicle, and military active duty.
- AAA may include discounts for good driver, education and occupation, AAA membership discount, multi-policy, multi-car, good student, and pay-in-full.
- 21st Century offers premium reductions for early bird, good student, defensive driver, student driver, theft prevention, and teen driver.
- The Hartford has savings for air bag, driver training, bundle, anti-theft, vehicle fuel type, and defensive driver.
Before buying, ask every company which discounts they offer. Some discounts may not apply in your state. To see insurers who offer online Volkswagen CC insurance quotes in Kansas City, follow this link.
It’s important to know that obtaining a wide range of quotes will increase your chances of finding more affordable rates. Some companies don’t provide Kansas City CC insurance quotes online, so you also need to get rates from them, too.
The companies shown below provide quotes in Kansas City, MO. If you want the best auto insurance in Kansas City, MO, it’s a good idea that you click on several of them in order to get a fair rate comparison.
Rates and statistics
The rate information displayed next showcases a range of insurance rates for Volkswagen CC models. Understanding more about how rates are calculated can benefit drivers when making decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CC Sport 4-Dr Coupe | $226 | $400 | $272 | $16 | $82 | $996 | $83 |
| CC Luxury 4-Dr Coupe | $226 | $400 | $272 | $16 | $82 | $996 | $83 |
| CC VR6 Sport 4-Dr Coupe | $252 | $462 | $272 | $16 | $82 | $1,084 | $90 |
| CC VR6 Motion 4-Dr Coupe | $252 | $462 | $272 | $16 | $82 | $1,084 | $90 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Information does not factor in garaging location in Kansas City which can decrease or increase rates noticeably.
Men versus women drivers and insurance cost
The chart below compares Volkswagen CC insurance premiums for male and female drivers. The data assumes no claims or driving citations, full physical damage coverage, $500 deductibles, drivers are not married, and no discounts are factored in.
What if I want to buy from local Kansas City insurance agencies?
A small number of people would rather sit down and talk to an agent and that is a smart decision A good thing about getting online price quotes is that you can obtain lower car insurance rates but also keep your business local.
After filling out this simple form, your coverage information is transmitted to companies in Kansas City that provide free Kansas City auto insurance quotes to get your business. You won’t even need to find an agent since price quotes are sent to your email. You’ll get the best rates AND an agent nearby. If you want to quote rates from a specific insurance company, feel free to jump over to their website and submit a quote form there.
Picking a insurer shouldn’t rely on just a cheap price quote. Here are some questions you should ask.
- Does the company allow you to choose your own collision repair facility?
- How long have they worked with personal auto insurance coverage?
- Are they involved in claim handling?
- What are their preferred companies if they are an independent agency?
- Does the company have a local claim office in Kansas City?
- Do they have cheaper tiers of coverage?
If you want to use a good Kansas City insurance agent, there are two different types of agencies and how they are distinctly different. Auto insurance agents in Kansas City can be classified as either independent or exclusive depending on the company they work for.
Exclusive Agents
Exclusive insurance agents write business for a single company like Farmers Insurance, State Farm, or Allstate. Exclusive agents cannot provide prices from multiple companies so they really need to provide good service. Exclusive agents receive a lot of sales training on sales techniques and that allows them to sell at a higher price point.
Below is a list of exclusive agents in Kansas City that are able to give price quote information.
State Farm: Tony Guy
1100 Walnut St #130 – Kansas City, MO 64106 – (816) 221-9066 – View Map
Tim Dugan – State Farm Insurance Agent
6453 N Cosby Ave – Kansas City, MO 64151 – (816) 746-1300 – View Map
Matt Rich Farmers Insurance Agency
5730 N Broadway – Kansas City, MO 64118 – (816) 479-4747 – View Map
Independent Auto Insurance Agents
Agents that elect to be independent are normally appointed by many insurers so they can insure your vehicles with many different companies and help determine which has the cheapest rates. If you are not satisfied with one company, an independent agent can move your coverage and that require little work on your part.
When comparing auto insurance prices, we highly recommend that you get insurance quotes from multiple independent agents to get the most accurate price comparison.
Shown below are independent agents in Kansas City that are able to give comparison quotes.
InsureOne Insurance Agency
3900 Broadway a – Kansas City, MO 64111 – (816) 287-0873 – View Map
Banuelos Insurance Agency LLC
902 Southwest Blvd – Kansas City, MO 64108 – (816) 994-3600 – View Map
Beverly Baker Insurance Agency Inc.
8708 N Oak Trafficway – Kansas City, MO 64155 – (816) 452-8600 – View Map
Car insurance coverages for a Volkswagen CC
Understanding the coverages of your policy can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. These are typical coverages offered by insurance companies.
Collision insurance
This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things such as damaging your car on a curb, crashing into a building, colliding with a tree and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to increase the deductible on your CC to get cheaper collision coverage.
Medical payments and PIP coverage
Med pay and PIP coverage reimburse you for expenses for ambulance fees, X-ray expenses, nursing services and funeral costs. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay
UM/UIM (Uninsured/Underinsured Motorist) coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and damage to your Volkswagen CC.
Since many Missouri drivers only carry the minimum required liability limits (Missouri limits are 25/50/10), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
Comprehensive auto coverage
Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive can pay for claims like a tree branch falling on your vehicle, hail damage, fire damage, falling objects and hitting a deer. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Liability coverages
This coverage protects you from damage or injury you incur to a person or their property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/10 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $10,000 for damage to vehicles and property.
Liability can pay for claims such as legal defense fees, bail bonds, attorney fees and pain and suffering. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford. Missouri state minimum liability requirements are 25/50/10 but you should consider buying more coverage.
The illustration below demonstrates why minimum state limits may not be adequate coverage.
More quotes mean more auto insurance savings
When buying insurance coverage, it’s not a good idea to buy less coverage just to save a little money. There are a lot of situations where consumers will sacrifice full coverage only to regret that it was a big error on their part. Your aim should be to purchase plenty of coverage for the lowest price.
Lower-priced Volkswagen CC insurance in Kansas City is attainable online as well as from insurance agents, and you need to price shop both so you have a total pricing picture. A few companies don’t offer internet price quotes and most of the time these small insurance companies only sell through independent insurance agencies.
How to find discount Volkswagen CC insurance in Kansas City
Truthfully, the best way to get discount Volkswagen CC insurance in Kansas City is to regularly compare price quotes from insurance carriers who sell auto insurance in Missouri.
Step 1: Try to learn about what coverages are included in your policy and the changes you can make to drop your rates. Many things that cause high rates such as accidents, traffic tickets, and an unacceptable credit history can be remedied by making minor driving habit or lifestyle changes.
Step 2: Compare price quotes from exclusive agents, independent agents, and direct providers. 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 quote rates for a wide range of companies. Click to view companies
Step 3: Compare the new rate quotes to your current policy premium to see if cheaper CC coverage is available in Kansas City. If you find a better price, make sure there is no lapse in coverage.
Step 4: Give proper notification to your current agent or company to cancel your current auto insurance policy and submit a completed application and payment to the newly selected company. Don’t forget to store the proof of insurance certificate in an easily accessible location in your vehicle.
One thing to point out is that you’ll want to compare similar limits and deductibles on every price quote and and to get prices from as many companies as feasibly possible. Doing this enables a level playing field and a complete selection of prices.
More tips and info about auto insurance can be read by following these links:
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- Who Has Affordable Kansas City Car Insurance Rates for Handicapped Drivers? (FAQ)
- What Auto Insurance is Cheapest for a Toyota Tacoma in Kansas City? (FAQ)
- How Much are Kansas City Auto Insurance Quotes for a Kia Forte? (FAQ)
- Who Has the Cheapest Kansas City Car Insurance Rates for a Ford Fusion? (FAQ)
- Who Has Cheap Kansas City Auto Insurance Quotes for a Ford Escape? (FAQ)
- Who Has Cheap Car Insurance Rates for Hybrid Vehicles in Kansas City? (FAQ)
- How Much are Auto Insurance Quotes for a Toyota Corolla in Kansas City? (FAQ)
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- Vehicle Insurance in the U.S. (Wikipedia)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- Booster Seat Ratings (iihs.org)