It’s hard to believe, but most insurance policyholders kept their coverage with the same insurance company for over three years, and approximately 40% of consumers have never compared quotes from other companies. Most drivers in California could save about $469 every year, but they won’t spend time to compare rate quotes online.
If your goal is the lowest price, then the best way to save money on auto insurance rates is to compare prices regularly from companies in San Francisco. This can be done by following these guidelines.
- Get an understanding of the coverage provided by your policy and the things you can control to prevent high rates. Many factors that result in higher rates like at-fault accidents and a less-than-favorable credit history can be rectified by making minor changes to your lifestyle. Read the full article for additional ideas to help prevent expensive coverage and earn a bigger discount.
- Request rate estimates from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from one company like GEICO and Allstate, while agents who are independent can quote prices from multiple companies.
- Compare the new rate quotes to your existing rates and determine if cheaper CC coverage is available. If you find a better price and change companies, make sure there is no lapse in coverage.
- Notify your agent or company of your decision to cancel your current car insurance policy and submit a signed application and payment for your new coverage. As soon as coverage is bound, place the new proof of insurance paperwork somewhere easily accessible.
One key aspect of rate comparisons is to use the same amount of coverage on each quote and and to get rates from every company you can. Doing this helps ensure a level playing field and maximum price selection.
To get low cost San Francisco auto insurance quotes, there a variety of ways to obtain and compare prices from car insurance companies in your area. One of the best ways to comparison shop consists of obtaining rate quotes online.
When comparing car insurance rates, know that comparing all the rates in your area helps increase your odds of locating a lower rate than you’re paying now. Not every company allows you to get price estimates online, so you should also compare quotes from those companies as well.
The following companies provide quotes in California. If multiple providers are shown, it’s a good idea that you click on several of them to get the best price comparison.
Facts and figures for Volkswagen CC insurance
The rate information shown next highlights estimates of rate quotes for Volkswagen CC models. Learning more about how auto insurance prices are determined can help you make smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CC Sport 4-Dr Coupe | $370 | $792 | $500 | $30 | $150 | $1,842 | $154 |
| CC Luxury 4-Dr Coupe | $370 | $792 | $500 | $30 | $150 | $1,842 | $154 |
| CC VR6 Sport 4-Dr Coupe | $412 | $912 | $500 | $30 | $150 | $2,004 | $167 |
| CC VR6 Motion 4-Dr Coupe | $412 | $912 | $500 | $30 | $150 | $2,004 | $167 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Estimates do not factor in San Francisco location which can raise or lower rates significantly.
Comparison of policy deductibles
When buying insurance, a common question is how high or low should comp and collision deductibles be. The following insurance rates may help to illustrate the costs and benefits between high and low coverage deductibles. The first rate comparisons uses a $100 comprehensive and collision deductible and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CC Sport 4-Dr Coupe | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| CC Luxury 4-Dr Coupe | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| CC VR6 Sport 4-Dr Coupe | $478 | $932 | $442 | $26 | $132 | $2,035 | $170 |
| CC VR6 Motion 4-Dr Coupe | $478 | $932 | $442 | $26 | $132 | $2,035 | $170 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CC Sport 4-Dr Coupe | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| CC Luxury 4-Dr Coupe | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| CC VR6 Sport 4-Dr Coupe | $348 | $630 | $442 | $26 | $132 | $1,578 | $132 |
| CC VR6 Motion 4-Dr Coupe | $348 | $630 | $442 | $26 | $132 | $1,578 | $132 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Prices do not factor in specific zip code location which can influence coverage prices greatly.
Based on this data, we can arrive at the conclusion that using a $100 deductible would cost the average driver about $36 more each month or $432 each year than requesting the higher $500 deductible. Since the policyholder would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you usually have at least 11 months between claim filings, you would probably be better off if you opt for a higher deductible.
The illustration below highlights how deductible choice and can impact Volkswagen CC insurance prices for different age groups. The data assumes a single male driver, full coverage, and no discounts are applied.
Male drivers compared to female drivers in San Francisco
The chart below illustrates the difference between Volkswagen CC insurance costs for male and female drivers. The premium estimates are based on a clean driving record, no claims, full physical damage coverage, $500 deductibles, single marital status, and no discounts are taken into consideration.
Price comparison of only insuring for liability
The diagram below compares Volkswagen CC auto insurance costs with full physical damage coverage and with liability coverage only. The price estimates are based on no tickets, no at-fault accidents, $100 deductibles, marital status is single, and no discounts are applied.
When to stop paying for full coverage
There is no definitive guideline to stop buying comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the annual cost of coverage is 10% or more of the settlement you would receive from your company, then it may be the right time to buy liability only.
For example, let’s assume your Volkswagen CC replacement cost is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $7,000 after paying your policy deductible. If it’s costing you more than $700 a year for full coverage, then it may be the right time to buy liability only.
There are some circumstances where eliminating full coverage is not advised. If you still have a loan on your vehicle, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not remove full coverage.
Here’s why car insurance is not optional
Even though it’s not necessarily cheap to insure a Volkswagen in San Francisco, maintaining insurance serves several important purposes.
- Most states have minimum liability requirements which means the state requires specific minimum amounts of liability in order to drive the car. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you have a lien on your Volkswagen, most lenders will make it a condition of the loan that you have physical damage coverage to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the bank will be required to insure your Volkswagen for a lot more money and require you to pay for the expensive policy.
- Car insurance preserves not only your Volkswagen CC but also your financial assets. It will also cover most medical and hospital costs for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance will also pay for a defense attorney if you cause an accident and are sued. If damage is caused by hail or an accident, your policy will pay all costs to repair after the deductible has been paid.
The benefits of having car insurance definitely exceed the price paid, especially when you need to use it. On average, a vehicle owner in San Francisco overpays as much as $700 annually so you should quote your policy with other companies at every renewal to save money.
Discounts mean cheaper rates for Volkswagen CC insurance in San Francisco
Companies that sell car insurance don’t always publicize the complete list of policy discounts in an easy-to-find place, so the list below gives a summary of both the well known and the harder-to-find discounts you could be receiving when you buy San Francisco auto insurance online.
- Anti-theft Discount – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and that can save you a little bit as well.
- Anti-lock Brakes – Cars, trucks, and SUVs with ABS braking systems or traction control have fewer accidents and therefore earn up to a 10% discount.
- Memberships – Having an affiliation with a qualifying organization is a simple method to lower premiums on your bill.
- Discounts for Government Workers – Having worked for a branch of the government could provide a small rate reduction with some car insurance companies.
- Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. Many companies even apply the discount to college students up to age 25.
- Lower Rates for Military – Being deployed in the military may qualify for rate reductions.
Don’t be shocked that most discounts do not apply to the entire policy premium. Most only reduce specific coverage prices like medical payments or collision. So despite the fact that it appears having all the discounts means you get insurance for free, you won’t be that lucky.
The chart below illustrates the difference between Volkswagen CC car insurance rates with and without discounts. Data assumes a female driver, no driving violations, no at-fault accidents, California 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, safe-driver, homeowner, multi-car, and marriage discounts applied.
To choose insurance companies who offer free Volkswagen CC insurance quotes in San Francisco, click here to view.
Compare rate quotes but buy from a local San Francisco insurance agency
Certain consumers would prefer to talk to a local agent and often times that is recommended A good thing about price shopping on the web is you can get the lowest rates and still choose a local agent.
After filling out this short form, your insurance coverage information is emailed to participating agents in San Francisco who want to provide quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to visit any agencies because prices are sent to the email address you provide. You can most likely find cheaper rates and work with a local agent. If you have a need to compare rates from a specific insurance provider, feel free to find their quoting web page and fill out their quote form.
Choosing the best provider is decision based upon more than just the quoted price. Some important questions to ask are:
- What company holds the largest book of business for them?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- How much can you save by raising your physical damage deductibles?
- When do they do policy reviews?
- Will the quote change when the policy is issued?
- Do they have a Better Business Bureau rating in San Francisco?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
If you want to buy insurance from a good San Francisco insurance agent, it’s helpful to know the different types of agents and how they differ in how they can insure your vehicles. Agents can be categorized as either exclusive or independent.
Exclusive Insurance Agents
Exclusive agencies can only provide one company’s prices such as Allstate, Farmers Insurance, State Farm, and AAA. These agents are unable to provide rate quotes from other companies so it’s a take it or leave it situation. These agents are trained well on what they offer which helps them compete with independent agents. A lot of people choose to use a exclusive agent mostly because of the brand and strong financial ratings.
Below are San Francisco exclusive agencies who may provide you with price quote information.
- Dave and Jake Stewart State Farm Insurance
821 Folsom St #101 – San Francisco, CA 94107 – (415) 982-9033 – View Map - State Farm: Traci Hollander
556 Castro St – San Francisco, CA 94114 – (415) 575-3775 – View Map - Jerry Verdi – State Farm Insurance Agent
408 Columbus Ave #2 – San Francisco, CA 94133 – (415) 788-7881 – View Map
Independent Agents (or Brokers)
Agents that elect to be independent can sell policies from many different companies so they can write business with any number of different companies depending on which coverage is best. If you are not satisfied with one company, they can switch companies in-house and you won’t have to switch agencies.
If you are trying to find cheaper rates, it’s recommended you include rate quotes from independent agents to ensure the widest selection of prices. Many can place coverage with smaller companies which may have better rates.
Shown below are San Francisco independent insurance agencies willing to provide price quote information.
- Nationwide Insurance: Nathan Douglas Gleason Agency
101 California St #2710 – San Francisco, CA 94111 – (415) 870-6999 – View Map - John A. Morton Insurance Agency
3372 22nd St – San Francisco, CA 94110 – (415) 282-5888 – View Map - Blum-Blackfield Insurance Agency
2 Twin Peaks Blvd – San Francisco, CA 94114 – (415) 665-1440 – View Map
After getting acceptable answers for all questions you ask and a good coverage price, you have narrowed it down to an auto insurance agent that can be trusted to adequately provide insurance. It’s important to know that policyholders can cancel your policy whenever you wish so never feel that you are permanently stuck with the insurance policy for any length of time.
Auto insurance policy coverages for a Volkswagen CC
Having a good grasp of auto insurance helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.
Liability coverages
Liability coverage protects you from damage that occurs to a person or their property. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 15/30/5 which means $15,000 in coverage for each person’s injuries, a limit of $30,000 in injury protection per accident, and $5,000 of coverage for damaged property.
Liability coverage protects against things like repair bills for other people’s vehicles, attorney fees, court costs and loss of income. The amount of liability coverage you purchase is up to you, but buy higher limits if possible. California state minimum liability requirements are 15/30/5 but it’s recommended drivers buy higher limits.
The illustration below demonstrates why minimum state limits may not provide you with enough coverage.
Coverage for uninsured or underinsured drivers
Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Volkswagen CC.
Since many California drivers only carry the minimum required liability limits (15/30/5 in California), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.
Collision coverage
Collision insurance pays for damage to your CC from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.
Collision insurance covers things such as damaging your car on a curb, hitting a parking meter and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible on your CC to get cheaper collision coverage.
Coverage for medical expenses
Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for prosthetic devices, doctor visits and chiropractic care. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. They cover you and your occupants and also covers getting struck while a pedestrian. PIP is not available in all states and may carry a deductible
Comprehensive auto insurance
Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage protects against claims such as damage from flooding, damage from a tornado or hurricane, fire damage and a broken windshield. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
Quote. Compare. Save.
We just presented a lot of techniques to compare Volkswagen CC insurance premium rates in San Francisco. The key concept to understand is the more providers you compare, the better chance you’ll have of finding affordable San Francisco auto insurance quotes. Drivers may even discover the lowest premium rates come from a smaller regional carrier.
When shopping online for car insurance, you should never reduce needed coverages to save money. There are too many instances where an accident victim reduced full coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to buy the best coverage you can find at the lowest possible cost, but do not sacrifice coverage to save money.
Consumers switch companies for a number of reasons such as an unsatisfactory settlement offer, denial of a claim, not issuing a premium refund or even high prices. Regardless of your reason for switching companies, choosing a new company can be easier than you think.
Additional car insurance information can be read on the following sites:
- Should I Buy a New or Used Car? (Allstate)
- Who Has Cheap Car Insurance Rates for a GMC Acadia in San Francisco? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a Toyota Tacoma in San Francisco? (FAQ)
- What Insurance is Cheapest for Single Moms in San Francisco? (FAQ)
- Red Light Cameras (State Farm)
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
- How do I File a Claim? (Insurance Information Institute)
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)