View 2017 Volkswagen CrossBlue Insurance Cost

Shopping for the most affordable insurance on the web can be rather challenging for people who are new to price shopping online. With a ridiculous number of insurers to choose from, how can drivers possibly compare them all to find the cheapest rates?

This article will tell you how car insurance quotes work. If you currently have car insurance, you should be able to save some money using these techniques. Nevertheless, drivers benefit from understanding the methods companies use to price insurance differently and take advantage of how the system works.

Where Can I Get Cheap Insurance?

There are several ways to shop for Volkswagen CrossBlue insurance, and some are easier and takes less work. You can waste hours driving to local insurance agents in your area, or you can utilize the web to get rate comparisons in just a few minutes.

Most car insurance companies belong to an insurance system that enables customers to only type in their quote data once, and each company returns a rated price. This prevents consumers from doing repetitive form submissions for each company you want a rate for.

To access this free quoting program, click here to open in new window.

The single downside to doing it this way is you don’t know exactly which companies you will receive quotes from. If you prefer to choose from a list of companies to receive pricing from, we have a listing of insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but double check that you are using exactly the same coverage limits on every quote. If you are comparing higher or lower deductibles it will be next to impossible to make a fair comparison for your Volkswagen CrossBlue. Just a small difference in insurance coverages can mean a large discrepancy in price. And when price shopping your coverage, more quotes will improve the odds of getting the best rates.

Discounts mean cheaper Volkswagen CrossBlue insurance rates

Car insurance is not cheap, but you can get discounts to cut the cost considerably. Larger premium reductions will be automatically applied at quote time, but some must be asked for before they will apply.

  • No Accidents – Good drivers with no accidents pay much less when compared to drivers who are more careless.
  • Defensive Driving Course – Successfully completing a defensive driving course could possibly earn you a 5% discount if you qualify.
  • Multiple Vehicles – Insuring multiple vehicles on the same auto insurance policy may reduce the rate for each vehicle.
  • Resident Student – Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
  • Low Mileage – Keeping the miles down on your Volkswagen could qualify for a substantially lower rate.
  • Accident Waiver – A few companies will forgive one accident before your rates go up as long as you don’t have any claims for a particular time prior to the accident.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.
  • Save with a New Car – Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.

Keep in mind that many deductions do not apply to the entire cost. The majority will only reduce individual premiums such as medical payments or collision. Just because it seems like all those discounts means the company will pay you, companies don’t profit that way. But all discounts will bring down your premiums.

To see a list of insurers offering auto insurance discounts, click this link.

Lesser-known factors impacting Volkswagen CrossBlue insurance rates

An important part of buying insurance is that you know some of the elements that play a part in calculating the rates you pay for insurance. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

Shown below are a few of the “ingredients” used by your company to calculate rates.

  • Claim-free discounts can add up – If you file claims often, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance companies give discounts to people who do not file claims often. Auto insurance is intended for the large, substantial claims.
  • Having a spouse can save you money – Having a spouse actually saves money on your insurance policy. Having a spouse translates into being more responsible and it’s proven that married drivers get in fewer accidents.
  • Extra coverages can waste money – There are a ton of extra bells and whistles you can purchase when buying insurance. Insurance for personal injury protection, better glass coverage and motor club memberships are examples of these. They may seem good when you first buy your policy, but if you don’t need them eliminate the coverages to reduce your premium.
  • Men fork out a little more – Statistics show women tend to be less risk to insure than men. However, don’t assume that women are better drivers. Women and men tend to get into accidents at about the same rate, but the male of the species cause more damage and cost insurance companies more money. Men also tend to receive more costly citations such as DWI and reckless driving.
  • Pleasure use saves money – The higher the mileage driven each year the higher your rates will be. The majority of insurers charge to insure your cars based on their usage. Cars and trucks not used for work or commuting receive lower rates compared to those used for work or business. If your policy improperly rates your CrossBlue may be costing you. Ask your agent if your insurance declarations sheet properly reflects the correct usage for each vehicle, because improper ratings can cost you money.

Tailor your coverage to you

When buying adequate coverage, there isn’t really a cookie cutter policy. Every situation is different.

Here are some questions about coverages that can aid in determining whether your personal situation will benefit from professional help.

  • Does liability extend to a camper or trailer?
  • Which is better, split liability limits or combined limits?
  • Am I covered when driving someone else’s vehicle?
  • Can my teen driver be rated on a liability-only vehicle?
  • What is medical payments coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Is a blown tire covered by insurance?
  • Why am I required to buy liability insurance?
  • Can I get a multi-policy discount?
  • When can I cancel my policy?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Insurance policy coverages for a Volkswagen CrossBlue

Understanding the coverages of your insurance policy helps when choosing which coverages you need and proper limits and deductibles. Insurance terms can be confusing and nobody wants to actually read their policy.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for rehabilitation expenses, prosthetic devices, surgery, funeral costs and pain medications. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Volkswagen CrossBlue.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability car insurance

Liability coverage protects you from injuries or damage you cause to a person or their property in an accident. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as funeral expenses, pain and suffering, medical expenses and loss of income. How much liability coverage do you need? That is your choice, but buy as large an amount as possible.

Collision coverage protection

This covers damage to your CrossBlue caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as sustaining damage from a pot hole, backing into a parked car and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive protection

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as vandalism, falling objects, damage from flooding and hitting a bird. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Saving money makes a lot of cents

While you’re price shopping online, it’s very important that you do not buy lower coverage limits just to save a few bucks. Too many times, drivers have reduced liability coverage limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to find the BEST coverage for the lowest price.

Cost effective 2017 Volkswagen CrossBlue insurance can be bought from both online companies and with local insurance agents, so compare prices from both so you have a total pricing picture. A few companies do not offer online quoting and many times these small insurance companies only sell through independent insurance agents.

We just showed you some good ideas how you can lower your insurance rates. It’s most important to understand that the more companies you get rates for, the better your comparison will be. Drivers may discover the lowest premiums are with a lesser-known regional company.

Additional insurance coverage information is available on the following sites: