Cheapest Volkswagen Eos Insurance in Philadelphia

Insurance for Volkswagen EosWould 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.Save money with discounts

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.

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.

Volkswagen Eos Insurance Rates in Philadelphia, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
EOS Komfort Turbo 2-Dr Convertible $310 $590 $336 $20 $100 $1,356 $113
EOS Luxury Turbo 2-Dr Convertible $310 $590 $336 $20 $100 $1,356 $113
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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.

Volkswagen Eos insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
EOS Komfort Turbo 2-Dr Convertible $320 $602 $330 $20 $98 $1,395 $116
EOS Luxury Turbo 2-Dr Convertible $320 $602 $330 $20 $98 $1,395 $116
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Volkswagen Eos insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
EOS Komfort Turbo 2-Dr Convertible $178 $318 $330 $20 $98 $944 $79
EOS Luxury Turbo 2-Dr Convertible $178 $318 $330 $20 $98 $944 $79
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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.

Average monthly premium for $100 deductibles: $116
Average monthly premium for $1,000 deductibles (subtract): – $79
Monthly savings from raising deductible: $37
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $37
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 24 months

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.

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.

Philadelphia insurance agentsAfter 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.

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.

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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.

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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.

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