To save the most money, the best way to get the cheapest Volkswagen CC insurance in Tulsa is to make a habit of regularly comparing prices from companies that insure vehicles in Oklahoma. You can shop around by following these guidelines.
- First, take a few minutes and learn about the coverage provided by your policy and the measures you can control to keep rates low. Many things that cause high rates such as high-risk driving behaviors and an unacceptable credit rating can be rectified by being financially responsible and driving safely.
- Second, request rate estimates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only provide price estimates from a single company like Progressive and State Farm, while agents who are independent can provide rate quotes for a wide range of insurance providers. View insurance agents
- Third, compare the new rate quotes to your current policy to see if cheaper CC coverage is available in Tulsa. If you find better rates, verify that coverage does not lapse between policies.
A valuable tip to remember is that you’ll want to make sure you compare the same coverage limits and deductibles on each quote request and and to compare all possible companies. This provides a level playing field and plenty of rates choose from.
A recent car insurance study revealed that almost 70% of drivers in Oklahoma kept buying from the same company for a minimum of four years, and 38% of customers have never even compared rates from other companies. American insurance shoppers could save up to 47% a year, but they assume it’s a waste of time to compare rates and save money.
If you have auto insurance now, you will definitely be able to reduce premiums using these tips. Finding and buying affordable coverage in Tulsa is actually quite simple. But Oklahoma drivers can benefit by having an understanding of the way insurance companies charge you for coverage because it varies considerably.
The fastest way that we advise to compare rate quotes for Volkswagen CC insurance in Tulsa utilizes the fact car insurance companies pay for the opportunity to give free rates quotes. To begin a comparison, all you need to do is provide information including how much education you have, what your job is, the type of vehicles you drive, and driver ages. The data gets sent immediately to multiple auto insurance providers and they return quotes within a short period of time.
To compare rates for your Volkswagen CC now, click here and complete the form.
The companies shown below are ready to provide free rate quotes in Tulsa, OK. To find the best car insurance in Tulsa, it’s a good idea that you click on several of them in order to find the most competitive rates.
Premium rates and analysis
The premium information shown next showcases a range of insurance prices for Volkswagen CC models. Learning as much as possible about how auto insurance policy rates are established can be valuable when making informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CC Sport 4-Dr Coupe | $302 | $572 | $422 | $24 | $126 | $1,446 | $121 |
| CC Luxury 4-Dr Coupe | $302 | $572 | $422 | $24 | $126 | $1,446 | $121 |
| CC VR6 Sport 4-Dr Coupe | $336 | $658 | $422 | $24 | $126 | $1,566 | $131 |
| CC VR6 Motion 4-Dr Coupe | $336 | $658 | $422 | $24 | $126 | $1,566 | $131 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Oklahoma minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Price information does not factor in garaging location in Tulsa which can increase or decrease coverage prices substantially.
Deductible analysis
One common question asked by Tulsa drivers is how high should the physical damage deductibles be. The comparisons below determine the differences in price of buying low and high comp and collision deductibles. The first pricing table uses a $250 comprehensive and collision deductible and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CC Sport 4-Dr Coupe | $392 | $688 | $448 | $26 | $134 | $1,713 | $143 |
| CC Luxury 4-Dr Coupe | $392 | $688 | $448 | $26 | $134 | $1,713 | $143 |
| CC VR6 Sport 4-Dr Coupe | $436 | $792 | $448 | $26 | $134 | $1,861 | $155 |
| CC VR6 Motion 4-Dr Coupe | $436 | $792 | $448 | $26 | $134 | $1,861 | $155 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CC Sport 4-Dr Coupe | $242 | $432 | $448 | $26 | $134 | $1,282 | $107 |
| CC Luxury 4-Dr Coupe | $242 | $432 | $448 | $26 | $134 | $1,282 | $107 |
| CC VR6 Sport 4-Dr Coupe | $270 | $498 | $448 | $26 | $134 | $1,376 | $115 |
| CC VR6 Motion 4-Dr Coupe | $270 | $498 | $448 | $26 | $134 | $1,376 | $115 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Premium costs do not factor in garaging location in Tulsa which can impact price quotes greatly.
Based on the above data, using a $250 deductible costs about $38 more each month or $456 annually than opting for the higher $1,000 deductible. Because you would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average at least 20 months between claim filings, you would more than likely save some money if you opt for a higher deductible.
Bad driving habits will cost you more
The diagram below demonstrates how citations and at-fault claims can influence Volkswagen CC auto insurance costs for different age groups of insureds. The price estimates are based on a single male driver, full coverage, $500 deductibles, and no discounts are taken into consideration.
Rate difference between full and liability-only coverage
The information below illustrates the comparison of Volkswagen CC insurance rates with and without full coverage. The prices are based on no driving violations, no at-fault accidents, $1,000 deductibles, marital status is single, and no discounts are applied.
Should you be buying full coverage?
There is no definitive formula to eliminate comp and collision coverage, but there is a general convention. If the annual cost of your full coverage insurance is more than 10% of the settlement you would receive from your company, then it might be time to consider dropping full coverage.
For example, let’s say your Volkswagen CC settlement value is $7,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would receive is $6,000 after the deductible is paid. If you are paying more than $600 annually for your policy with full coverage, then you might want to consider buying only liability coverage.
There are a few situations where buying only liability insurance is not a good idea. If you haven’t paid off your loan, you must maintain physical damage coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not buy liability only.
Your situation helps dictate your coverage
When it comes to a policy, there really isn’t a “perfect” insurance plan. Coverage needs to be tailored to your specific needs so this has to be addressed.
These are some specific questions can help discover whether or not you might need an agent’s assistance.
- Is other people’s property covered if stolen from my vehicle?
- Do all my vehicles need collision coverage?
- Am I covered if hit by an uninsured driver?
- Is my custom paint covered by insurance?
- How high should my medical payments coverage be?
- Is extra glass coverage worth it?
- Who is covered by my policy?
- Am I covered when driving on a suspended license?
- Should I drop comprehensive coverage on older vehicles?
If you’re not sure about those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.
Are auto insurance agents used anymore?
A lot of people would rather talk to an insurance agent and that is a personal choice. The best thing about getting online price quotes is that drivers can save money and get cheaper premium rates and still have an agent to talk to. And supporting local agencies is important especially in Tulsa.
After filling out this short form, the quote information is immediately sent to participating agents in Tulsa that give free quotes and help you find cheaper coverage. You don’t have to find an agent on your own as quotes are delivered immediately to your email address. You can get cheaper insurance rates and an insurance agent to talk to. If for some reason you want to compare rates from a specific insurance company, feel free to find their quoting web page and complete a quote there.
Compare rates from both independent and exclusive car insurance agents
If you prefer to buy insurance from a reliable agent, there are two different types of agencies and how they operate. Insurance agencies can be categorized as either exclusive or independent (non-exclusive).
Independent Agents (or Brokers)
Independent agencies do not work for one specific company so as a result can place your coverage amongst many companies and find you cheaper rates. If your agent finds better pricing, your agent can switch companies without you having to go to a different agency. If you are comparing insurance prices, you definitely need to get insurance quotes from a few independent agents to get the best comparison. Many independent agencies also insure through smaller regional carriers that many times have cheaper rates.
Below are independent insurance agencies in Tulsa who can help you get free price quotes.
- Mclemore Insurance Inc
6965 S 69th E Ave – Tulsa, OK 74133 – (918) 743-9868 – View Map - Cheapest Auto Insurance
2646 E 15th St – Tulsa, OK 74104 – (918) 744-5145 – View Map - Scott Mccoy Insurance Agency, Inc.
7030 S Yale Ave Suite #109 – Tulsa, OK 74136 – (918) 894-5551 – View Map
Exclusive Insurance Agents
Agents of this type can only provide pricing for a single company like State Farm or Allstate. Exclusive agents cannot compare rates from other companies so keep that in mind. These agents are trained well on sales techniques which aids in selling service over price. Drivers often buy from exclusive agents mostly because of high brand loyalty rather than low rates.
Listed below are Tulsa exclusive agents that can give you comparison quotes.
- Allstate Insurance: Mike De Marco
5800 S Lewis Ave Ste 149 – Tulsa, OK 74105 – (918) 749-1300 – View Map - Jonathan Gibson – State Farm Insurance Agent
205 E Pine St #102 – Tulsa, OK 74106 – (918) 382-5717 – View Map - Bob Breitenstein – State Farm Insurance Agent
7318 S Yale Ave – Tulsa, OK 74136 – (918) 492-7600 – View Map
Picking an car insurance agent should include more criteria than just a cheap price quote. Before buying a policy in Tulsa, get answers to these questions.
- Are they primarily personal or commercial lines agents in Tulsa?
- How will an accident affect your rates?
- Does the company use OEM repair parts?
- If independent agents, which companies do they recommend?
- Will they give you a referral list?
- Will they make sure you get an adequate claim settlement?
- How long has their agency been in business in Tulsa?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?