Cheapest Volkswagen Eos Insurance in Philadelphia

Would you prefer to buy cheaper insurance rates in Philadelphia, PA? Philadelphia shoppers have many options when shopping for the lowest priced Volkswagen Eos insurance. They can either waste time calling around to compare prices or utilize the internet to make rate comparisons. There are both good and bad ways to compare insurance rates and we’ll show you the proper way to get price quotes for a new or used Volkswagen and obtain the best price possible either online or from Philadelphia insurance agents.

Shocking but true, the vast majority of insurance customers have purchased from the same company for four years or more, and roughly 40% of drivers have never quoted insurance rates at all. Philadelphia consumers could save themselves 55% a year just by shopping around, but they assume it’s a waste of time to find cheaper insurance rates.

It’s smart to quote other rates on a regular basis due to the fact that insurance rates tend to go up over time. Just because you had the best premium rates on Volkswagen Eos insurance in Philadelphia last year you will most likely find a better price today. Block out anything you think you know about insurance because you’re about to learn the best way to find better rates and still maintain coverage.

Reducing your insurance rates is pretty simple and can save money. All you need to do is take a few minutes to compare rates online from several insurance companies.

The companies shown below can provide free rate quotes in Pennsylvania. If multiple companies are listed, we suggest you visit several of them to find the cheapest auto insurance rates.

Car insurance discounts help lower rates for Volkswagen Eos insurance in Philadelphia

Car insurance is expensive, but there’s a good chance there are discounts that you may not even be aware of. Certain credits will be shown when you quote, but a few need to be inquired about before you will receive the discount.

• Military Rewards – Being deployed in the military could mean lower rates.
• Early Renewal Discounts – Some larger companies give discounts for switching companies early. Ten percent is about the average savings.
• Low Mileage Discounts – Driving fewer miles can qualify you for slightly better rates than normal.
• Accident Free – Insureds with no claims or accidents get the best car insurance rates compared to policyholders that have many claims.
• First Accident Forgiveness – This isn’t a discount exactly, but companies like GEICO, Progressive, and Allstate will let one accident slide before hitting you with a surcharge so long as you are claim-free prior to the accident.
• Payment Method – By paying your entire bill at once as opposed to paying monthly you could save 5% or more.
• Defensive Driving Course – Passing a defensive driver course is a good idea and can lower rates if your company offers it.
• Multi-car Discount – Drivers who insure multiple cars with the same company qualifies for this discount.
• Senior Citizen Discount – If you’re over the age of 55, you could receive a small discount on rates.

Don’t be shocked that some of the credits will not apply to the overall cost of the policy. Most only apply to individual premiums such as comp or med pay. Just because it seems like all those discounts means the company will pay you, nobody gets a free ride. But any discount will reduce the premium cost.

The diagram below visualizes the comparison of Volkswagen Eos premium costs with and without discounts being applied to the rates. The premium estimates are based on a female driver, no claims or driving citations, Pennsylvania state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, safe-driver, claim-free, multi-policy, and marriage discounts applied.

A few popular companies and a partial list of their discounts are outlined below.

• American Family offers discounts for air bags, mySafetyValet, bundled insurance, Steer into Savings, TimeAway discount, good student, and accident-free.
• Nationwide has savings for multi-policy, easy pay, good student, anti-theft, and Farm Bureau membership.
• MetLife policyholders can earn discounts including accident-free, multi-policy, good driver, good student, and claim-free.
• 21st Century has discounts for driver training, air bags, homeowners, teen driver, student driver, and early bird.
• Farmers Insurance may offer discounts for multi-car, good student, homeowner, business and professional, early shopping, teen driver, and switch companies.
• Allstate includes discounts for good payer, premier discount, economy car, senior citizen, and premier plus.

Double check with every insurance company to give you their best rates. Some discounts may not apply to policyholders in every state. For a list of insurance companies who offer cheap Volkswagen Eos insurance quotes in Philadelphia, click here.

Coverage statistics and figures

The coverage table shown next showcases estimates of coverage costs for Volkswagen Eos models. Having a good grasp of how insurance premiums are figured is important for you to make decisions on the best policy to buy.

Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Rate information does not factor in garaging location in Philadelphia which can lower or raise prices greatly.

Raise deductibles and save

A question often asked by Philadelphia drivers is how low should you set your deductibles. The tables below illustrate the premium difference between high and low comp and collision deductibles. The first rate table uses a $100 deductible for comprehensive and collision coverage and the second set of rates uses a $1,000 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Premium amounts do not factor in specific zip code location which can alter coverage rates significantly.

Using the data above, we can ascertain that using a $100 deductible will cost you approximately $37 more each month or $444 every year averaged for all Eos models than choosing the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to average at least 24 months between claims, you would more than likely save some money going with the higher deductible. The table below shows a better example of how you can make this decision for your own policy.

One important note is that higher deductibles means you pay more out-of-pocket when you have a physical damage claim. You need to make sure you have some savings in the event you have to pay the deductible for vehicle repair.

Irresponsible driving raises your rates

The chart below illustrates how traffic citations and at-fault collisions increase Volkswagen Eos auto insurance costs for different categories of driver ages. Data assumes a single male driver, comp and collision included, $1,000 deductibles, and no policy discounts are applied.

Lower Your Philadelphia Insurance Premiums

Part of the car insurance buying process is learning the different types of things that help determine car insurance rates. If you understand what influences your rates, this empowers consumers to make smart changes that can earn you lower car insurance prices. Many factors are used in the calculation when you get your auto insurance bill. A few of the factors are predictable like your driving record, but other factors are not quite as obvious like your vehicle usage or your commute time.

• Buy as much liability as you can afford – The liability section of your policy will afford coverage if ever you are determined to be liable for an accident. It provides you with a defense in court which can be incredibly expensive. Liability insurance is pretty cheap compared to other policy coverages, so drivers should carry high limits.
• High physical damage deductibles save money – Physical damage deductibles define the amount the insured will be required to pay in the event of a claim. Physical damage protection, also known as collision and other-than-collision, is used to repair damage to your car. Examples of covered claims could be rear-ending another vehicle, animal collisions, and having a roll-over accident. The more money you are required to pay out-of-pocket, the lower your rates will be.

• Fast cars cost more to insure – The type of car, truck or SUV you are trying to find cheaper insurance for makes a significant difference in your premium level. Small economy passenger models normally have pretty low rates, but that’s not the only thing that factors into the final price.

  The following data assumes a married female driver age 20, full coverage with $250 deductibles, and no discounts or violations. The chart compares Volkswagen Eos insurance premiums compared to other vehicles that have different performance rating factors.

• Mileage impacts premiums – The higher the mileage driven annually the higher your rate. Most insurance companies charge to insure your cars determined by how the vehicle is used. Cars and trucks not used for work or commuting can get a lower rate as compared to vehicles used primarily for driving to work. Make sure your car insurance declarations sheet states the right rating data. Improper usage on your Eos is throwing money out the window.
• File claims and pay more – If you file a lot of claims you can expect either higher rates or even cancellation. Auto insurance companies in Pennsylvania generally give the best rates to policyholders who do not file claims often. Your car insurance is meant to be used in the event of claims that pose a financial burden.

• How your age affects prices – Youthful drivers in Pennsylvania have been known to get distracted easily with other occupants in the car so car insurance rates are higher. If you’ve ever had to add a teenage driver to your policy will cause a huge premium hike. More mature drivers are more responsible, tend to cause fewer accidents, and tend to be get fewer driving tickets.

  The chart below is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.

• Policy add-ons may not be needed – Policies have extra add-on coverages that sound like a good idea at the time if you aren’t careful. Coverage for things like replacement cost coverage, death and dismemberment, and membership fees may be wasting your money. They may seem good when buying your policy, but if you don’t need them get rid of them and save.

• Claims statistics for a Volkswagen Eos – Insurers include the past claim history for a vehicle to determine a rate that will be profitable for them. Models that the statistics show to have high amounts or severity of claims will have higher premium rates.

  The table shown below demonstrates the collected loss data for Volkswagen Eos vehicles. For each coverage type, the loss probability for all vehicles compiled together is considered to be 100. Values under 100 imply a favorable loss record, while percentages above 100 indicate more frequent losses or a tendency for losses to be larger than average.

  
  

  Insurance Loss Ratings for Volkswagen Eos Vehicles

  Vehicle Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Volkswagen Eos Convertible	88	77	78	76

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Auto insurance quotes from local Philadelphia insurance agencies

Some people just prefer to have an agent’s advice and that is not a bad decision Good insurance agents are trained to spot inefficiencies and give you someone to call. One of the benefits of comparing rates online is you may find cheap rate quotes and still choose a local agent.

After filling out this quick form, the coverage information is transmitted to local insurance agents in Philadelphia who will gladly provide quotes for your insurance coverage. It makes it easy because there is no need to search for any insurance agencies since rate quotes are delivered to you instantly. If you need to get a rate quote from a particular provider, feel free to jump over to their website and fill out the quote form the provide.

Choosing an insurer should depend on more than just a cheap price. The answers to these questions are important, too.

• Do they make recommendations based only on price?
• Does the company allow you to choose your own collision repair facility?
• Are they full-time agents?
• Which insurance companies are they affiliated with?
• Are all drivers listed on the coverage quote?
• How much can you save by raising your physical damage deductibles?
• Will the quote change when the policy is issued?
• What discounts might you be missing?

Best car insurance agent in Philadelphia

If you are wanting to purchase auto insurance from a reliable insurance agent, it helps to know the two types of agencies and how they can write your policy. Auto insurance agents can be described as either independent (non-exclusive) or exclusive. Both sell affordable auto insurance policies, but it is important to understand the difference in how they write coverage because it can factor into your selection of an agent.

Exclusive Auto Insurance Agents

These agents have only one company to place business with and some examples include State Farm or Allstate. These agents are unable to provide other company’s prices so they have to upsell other benefits. They are highly trained on what they offer which helps them sell insurance even at higher premiums. Consumers frequently purchase coverage from exclusives primarily because of the prominent brand name and the convenience of having a single billing for all their coverages.

Below is a short list of exclusive insurance agencies in Philadelphia who may provide you with price quote information.

• Trish Floyd – State Farm Insurance Agent
  7706 Castor Ave – Philadelphia, PA 19152 – (215) 725-3000 – View Map
• Jeff Gottesman – State Farm Insurance Agent
  9551 Bustleton Ave – Philadelphia, PA 19115 – (215) 725-1000 – View Map
• Ahida Garcia – State Farm Insurance Agent
  716 Adams Ave Ste 8 – Philadelphia, PA 19124 – (215) 533-5550 – View Map

View more agents

Independent Auto Insurance Agencies

Agents that elect to be independent can sell policies from many different companies so as a result can place your coverage with any number of different companies enabling the ability to shop coverage around. If they find a lower price, they simply switch companies in-house and you don’t have to find a new agent. When comparing auto insurance rates, we recommend you get some free quotes from independent agents to have the most options to choose from. Many independent agencies also insure through different regional companies which may provide better rates.

The following is a list of independent agents in Philadelphia that can give you price quote information.

• Philadelphia Insurance Companies
  231 St Asaphs Rd #100 – Bala Cynwyd, PA 19004 – (610) 617-7900 – View Map
• Nationwide Insurance: Ferullo Insurance Agencies LLC
  1636 S Front St – Philadelphia, PA 19148 – (215) 468-4116 – View Map
• Juniata Ins Agency
  1206 E Hunting Park Ave – Philadelphia, PA 19124 – (215) 533-9701 – View Map

View more agents

More comparisons equals cheaper rates

As you restructure your insurance plan, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped comprehensive coverage or liability limits only to discover later they didn’t purchase enough coverage. The ultimate goal is to buy the best coverage you can find at an affordable rate, but do not sacrifice coverage to save money.

Consumers who switch companies do it for a variety of reasons including delays in responding to claim requests, questionable increases in premium, policy non-renewal or being labeled a high risk driver. Whatever your reason, finding a new company is less work than it seems.

Discount Volkswagen Eos insurance in Philadelphia can be bought on the web in addition to local insurance agencies, and you need to price shop both to get a complete price analysis. Some companies may not have the ability to get quotes online and these regional carriers prefer to sell through independent insurance agencies.

For more information, take a look at the articles below:

• Side Impact Crash Tests (iihs.org)
• Who Has Cheap Auto Insurance for a Toyota RAV4 in Philadelphia? (FAQ)
• How Much are Auto Insurance Rates for a Toyota Camry in Philadelphia? (FAQ)
• Who Has Affordable Philadelphia Auto Insurance Quotes for Uber Drivers? (FAQ)
• Who Has the Cheapest Car Insurance Quotes for Uninsured Drivers in Philadelphia? (FAQ)
• Who Has Cheap Auto Insurance for College Students in Philadelphia? (FAQ)
• Anti-Lock Brake FAQ (iihs.org)
• New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
• Speed and Speed Limit FAQ (iihs.org)