If saving the most money is your goal, then the best way to find better pricing on Volkswagen CC insurance in Newark is to make a habit of regularly comparing prices from different companies that sell auto insurance in New Jersey. You can compare prices by following these guidelines.
First, spend some time learning about the coverage provided by your policy and the modifications you can make to prevent expensive coverage. Many factors that cause high rates like traffic violations and a substandard credit history can be remedied by making minor changes in your lifestyle.
Second, compare price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only quote rates from a single company like Progressive or Farmers Insurance, while independent agencies can provide rate quotes for many different companies.
Third, compare the new rate quotes to your existing coverage and determine if there is any savings. If you can save some money, make sure the effective date of the new policy is the same as the expiration date of the old one.
The key thing to know about shopping around is that you’ll want to compare the same deductibles and limits on each price quote and and to get price quotes from as many companies as you can. Doing this ensures an apples-to-apples comparison and the best price selection.
We don’t have to point out that fact that insurance companies don’t want policyholders to shop around. People who shop around for the cheapest rate are likely to buy a different policy because the odds are good of finding a cheaper policy. A study showed that consumers who compared rates once a year saved over $860 a year compared to people who didn’t regularly shop around.
If saving money on insurance in Newark is your ultimate objective, then having some insight into the best way to shop and compare car insurance can help make the process easier.
Finding a better price on car insurance can be surprisingly simple. All that’s required is to take time comparing rates from different insurance companies.
The companies shown below have been selected to offer price quotes in New Jersey. To find the best car insurance in Newark, it’s highly recommended you get rate quotes from several of them to get the cheapest price.
Premium rates and analysis
The premium table shown below highlights detailed analysis of insurance policy prices for Volkswagen CC models. Having a good understanding how auto insurance prices are determined is important for drivers to make smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CC Sport 4-Dr Coupe | $402 | $834 | $624 | $36 | $188 | $2,084 | $174 |
| CC Luxury 4-Dr Coupe | $402 | $834 | $624 | $36 | $188 | $2,084 | $174 |
| CC VR6 Sport 4-Dr Coupe | $448 | $960 | $624 | $36 | $188 | $2,256 | $188 |
| CC VR6 Motion 4-Dr Coupe | $448 | $960 | $624 | $36 | $188 | $2,256 | $188 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and New Jersey minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Table data does not factor in Newark location which can alter insurance rates greatly.
Rate comparison for different deductibles
When comparing insurance rates, the most common question is how high should the physical damage deductibles be. The comparisons below can help you understand the differences in premium rates when you buy lower versus higher physical damage deductibles. The first set of rates uses a $250 physical damage deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CC Sport 4-Dr Coupe | $420 | $738 | $480 | $28 | $144 | $1,835 | $153 |
| CC Luxury 4-Dr Coupe | $420 | $738 | $480 | $28 | $144 | $1,835 | $153 |
| CC VR6 Sport 4-Dr Coupe | $466 | $848 | $480 | $28 | $144 | $1,991 | $166 |
| CC VR6 Motion 4-Dr Coupe | $466 | $848 | $480 | $28 | $144 | $1,991 | $166 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CC Sport 4-Dr Coupe | $258 | $464 | $480 | $28 | $144 | $1,374 | $115 |
| CC Luxury 4-Dr Coupe | $258 | $464 | $480 | $28 | $144 | $1,374 | $115 |
| CC VR6 Sport 4-Dr Coupe | $288 | $534 | $480 | $28 | $144 | $1,474 | $123 |
| CC VR6 Motion 4-Dr Coupe | $288 | $534 | $480 | $28 | $144 | $1,474 | $123 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Rates do not factor in vehicle location which can lower or raise rates noticeably.
We can estimate from the data above that using a $250 deductible will cost you approximately $41 more each month or $492 for a full year than selecting the higher $1,000 deductible. Since you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at least 18 months between claims, you would more than likely save some money going with the higher deductible. Below is the way you can decide this on your own policy.
| Average monthly premium for $250 deductibles: | $160 |
| Average monthly premium for $1,000 deductibles (subtract): | – $119 |
| Monthly savings from raising deductible: | $41 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $41 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 18 months |
The example below demonstrates how deductible levels and can affect Volkswagen CC insurance prices for different age categories. The rates are based on a single male driver, full physical damage coverage, and no policy discounts are applied.
Accidents and violations increase rates
The example below illustrates how violations and accident claims can drive up Volkswagen CC insurance costs for different categories of driver ages. The price estimates are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied to the premium.
Insurance premiums by gender
The diagram below compares Volkswagen CC insurance premiums for male and female drivers. The data assumes no claims or driving violations, comp and collision included, $250 deductibles, marital status is single, and no additional discounts are factored in.
Don’t assume everyone needs the same auto insurance coverage
Keep in mind that when it comes to choosing insurance from an agent or online, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s so this has to be addressed.
For instance, these questions could help you determine if you may require specific advice.
- Do I need motorclub coverage?
- Should I put collision coverage on all my vehicles?
- Do I need more liability coverage?
- Do I need special coverage while pulling a rented trailer?
- Will damage be repaired with OEM parts?
- Why are teen drivers so expensive to add on to my policy?
- Are rock-chip repairs free?
- What is glass protection for?
If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.
Auto insurance quotes from local Newark insurance agencies
A lot of people still prefer to buy from a local agent. Professional agents can point out coverage gaps and help file insurance claims. One of the great benefits of getting free rate quotes online is the fact that drivers can get better rates and still buy from a local agent.
Upon completion of this short form, your information is sent to participating agents in Newark who can give free rate quotes for your auto insurance coverage. You won’t need to contact any insurance agencies since rate quotes are delivered to you. If you need to quote rates from a specific auto insurance provider, just visit that company’s website and fill out the quote form the provide.
Finding the right provider requires you to look at more than just the bottom line cost. Below are some questions you should ask.
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Can you contact them at any time?
- Can you choose the body shop in case repairs are needed?
- Are they able to provide referrals?
- Can glass claims be handled at your home?
- How experienced are they in personal risk management?
If you are searching for a good insurance agency, you must know there are a couple different types of agencies from which to choose. Auto insurance policy providers can either be exclusive or independent. Either one can insure your vehicles, but it’s good to learn the difference in how they write coverage since it can impact the type of agent you choose.
Exclusive Insurance Agents
These agents have only one company to place business with such as Farmers Insurance, American Family, State Farm and Allstate. They usually cannot give you multiple price quotes so you might not find the best rates. Exclusive insurance agents are very knowledgeable on their company’s products which helps them sell on service rather than price. Many people use the same exclusive agent mainly due to the prominence of the brand and strong financial ratings.
Listed below is a list of exclusive agencies in Newark that can give you comparison quotes.
- State Farm: Greg Daniels
681 1/2 Mt Prospect Ave – Newark, NJ 07104 – (973) 484-5772 – View Map - Allstate Insurance: Celia Caro
66 Wilson Ave – Newark, NJ 07105 – (973) 690-6400 – View Map - Farmers Insurance – Christine Veliz
229 Bloomfield Ave – Newark, NJ 07104 – (973) 482-1975 – View Map
Independent Agents (or Brokers)
These agents are normally appointed by many insurers so as a result can place your coverage with any number of different companies and possibly get better coverage at lower prices. If they find a lower price, your agent can just switch to a different company and you won’t have to switch agencies.
When comparing auto insurance rates, you absolutely need to compare prices from multiple independent agents so that you have a good selection of quotes to compare. They also have the ability to place coverage with smaller companies that may have much lower rates than larger companies.
The following is a list of independent agents in Newark that are able to give comparison quotes.
- Ironbound Business Insurance
275 Chestnut St – Newark, NJ 07105 – (866) 497-1001 – View Map - Goker and Associates Insurance Agency
121 Elizabeth Ave #101 – Newark, NJ 07108 – (908) 344-7577 – View Map - Monak Insurance
583 Central Ave – Newark, NJ 07107 – (973) 350-7850 – View Map