Save Money on Volkswagen Eos Insurance in Seattle

Insurance for Volkswagen EosLocating better insurance prices for your Volkswagen Eos in Washington can be an all-consuming task, but you can learn our auto insurance buying tips to save time. There are both good and bad ways to buy auto insurance so you’re going to learn the quickest way to get price quotes for your Volkswagen and find the cheapest rates either online or from Seattle insurance agents.

You need to price shop coverage at least once a year because auto insurance prices change quite often. If you had the lowest rates on Volkswagen Eos insurance in Seattle a few years ago you can probably find a better premium rate now. Forget anything you know (or think you know) about auto insurance because it’s time to teach you one of the best ways to properly buy coverages and cut your premium.

Locating the most cost-effective car insurance policy in Seattle is much easier if you know where to start. If you are already insured or just want to reduce your rates, take advantage of these tips to save money without reducing protection. Drivers only need an understanding of the proper way to compare different rates online.

The companies in the list below provide price comparisons in Washington. If multiple providers are shown, it’s a good idea that you visit several of them to get the best price comparison.

Volkswagen Eos Insurance Rate Estimates in Seattle, WA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
EOS Komfort Turbo 2-Dr Convertible $122 $236 $278 $16 $82 $734 $61
EOS Luxury Turbo 2-Dr Convertible $258 $452 $294 $18 $88 $1,110 $93
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Washington minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Price information does not factor in specific garaging location which can affect auto insurance rates noticeably.

Where to set your deductibles

The information below shows how different deductible levels and can affect Volkswagen Eos yearly insurance costs for different age categories. The premiums are based on a single male driver, full physical damage coverage, and no other discounts are factored in.

Full coverage rates compared to liability-only

The chart below examines Volkswagen Eos annual premium costs with and without full coverage. Data assumes no claims or driving citations, $250 deductibles, single male driver, and no additional discounts are factored in.

Should you pay for full coverage?

There is no definitive guideline to eliminate comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than 10% of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.

For example, let’s say your Volkswagen Eos replacement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, you would only receive $8,000 after you pay the deductible. If you are paying more than $800 a year for full coverage, then you may want to consider only buying liability coverage.

There are some circumstances where dropping physical damage coverage is not recommended. If you have an outstanding loan on your vehicle, you have to maintain full coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not drop full coverage.

Deductible analysis

A question often asked by Seattle drivers is how high should the deductibles for physical damage be. The data tables below outline the cost difference when you choose different insurance deductibles. The first pricing table uses a $100 physical damage coverage deductible and the second price table uses a $500 deductible.

Volkswagen Eos insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
EOS Komfort Turbo 2-Dr Convertible $286 $540 $294 $18 $88 $1,251 $104
EOS Luxury Turbo 2-Dr Convertible $286 $540 $294 $18 $88 $1,251 $104
Get Your Own Custom Quote Go

Volkswagen Eos insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
EOS Komfort Turbo 2-Dr Convertible $208 $364 $294 $18 $88 $972 $81
EOS Luxury Turbo 2-Dr Convertible $208 $364 $294 $18 $88 $972 $81
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Price information does not factor in specific Seattle garaging location which can impact prices greatly.

Using the data above, we can ascertain that using a $100 deductible will cost you approximately $23 more each month or $276 every year than opting for the higher $500 deductible. Due to the fact that you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you go more than 17 months between claims, you would probably be better off going with the higher deductible.

Get cheaper Volkswagen Eos insurance in Seattle with discounts

Some insurers don’t always advertise every discount available very clearly, so the list below details some of the more common as well as the least known savings tricks you should be using when you buy Seattle car insurance online. If you don’t get every credit possible, it’s possible you qualify for a lower rate.Discount insurance

One last thing about discounts, most discounts do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like liability and collision coverage. Despite the fact that it seems like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

Some companies that may offer policyholders some of the above discounts are:

If you want cheaper Seattle car insurance quotes, ask each insurance company which discounts you qualify for. Some of the discounts discussed earlier may not be available everywhere. To find insurance companies that provide some of the discounts listed above in Washington, click this link.

Why Your Insurance Premiums might be higher

The best way to find cheaper car insurance is to take a look at a few of the rating criteria that go into determining your car insurance rates. When you know what positively or negatively controls the rates you pay, this enables informed choices that could help you find cheaper rates. Many factors are used when you get a price on insurance. A few of the factors are predictable like a motor vehicle report, but other criteria are more obscure like where you live or how financially stable you are.

The type of car you drive affects your costs – The performance level of the car you drive makes a big difference in your rates. The lowest premiums are usually for the lowest performance passenger vehicles, but there are many factors that impact the final cost. Since the Volkswagen Eos is classified as a compact car, insurance will be the same to a little lower as compared to the average rate in Seattle.

Poor credit decisions can cost you – Having a good credit score can be a huge factor in determining what you pay. Therefore, if your credit score can use some improvement, you could potentially save money when insuring your Volkswagen Eos by taking the time to improve your credit score. Insureds that have very high credit ratings tend to be less risk to insure than drivers who have poor credit.

Your address can impact price – Having an address in less populated areas of the country can be a good thing when talking about car insurance. Less people living in that area translates into fewer accident claims and a lower car theft rate. Residents of big cities have traffic congestion and longer commutes to work. Higher commute times means higher likelihood of an accident.

Responsible drivers pay lower premiums – Having a single citation can increase rates to the point where it’s not affordable. Careful drivers get better prices compared to drivers with tickets. Drivers with flagrant citations like DUI or willful reckless driving might be required by their state to prove financial responsibility with their state in order to prevent a license revocation.

Put fewer miles on your vehicle – The more you drive annually the more you will pay for car insurance. Many insurance companies calculate prices based upon how the vehicle is primarily used. Cars and trucks that do not get driven very much can get a lower rate than vehicles that have high annual mileage. Having an incorrect usage rating on your Eos may be wasting your money. It’s a good idea to make sure your vehicle rating is showing the proper vehicle usage, because improper ratings can cost you money.

Volkswagen Eos statistical loss data – Companies include the past claim history for a vehicle as a way to help calculate a profitable premium rate. Models that tend to have increased losses will have higher rates for specific coverages. The table below illustrates the loss history for Volkswagen Eos vehicles.

For each insurance policy coverage type, the loss probability for all vehicles, regardless of make or model, is represented as 100. Values that are 100 or less represent a good loss history, while numbers that are greater than 100 indicate frequent claims or larger claims.

Insurance Loss Ratings for Volkswagen Eos Vehicles

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

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

You may need help from an insurance agent

Certain consumers still like to sit down and talk to an agent. Experienced insurance agents can answer important questions and give you someone to call. One of the best bonuses of comparing rate quotes online is that drivers can save money and get the lowest rates but also keep your business local.

After filling out this form (opens in new window), your coverage information is instantly submitted to agents in your area who will gladly provide quotes for your coverage. You don’t have to search for an agent because quoted prices will be sent to you directly. If you need to quote rates from one company in particular, you just need to jump over to their website and fill out the quote form the provide.

Finding the right provider shouldn’t rely on just a cheap quote. Before buying a policy in Seattle, get answers to these questions.

Is an exclusive or independent car insurance agent right for you?

If you prefer to buy insurance from a reliable insurance agency, it’s helpful to know the different agency structures and how they differ in how they can insure your vehicles. Insurance policy providers may be either independent or exclusive depending on the company they work for. Either can handle insurance, but it is a good idea to know the difference in how they write coverage since it can affect which type of agent you select.

Exclusive Agents

Exclusive insurance agents can only provide one company’s prices like Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents are unable to compare other company’s rates so they really need to provide good service. These agents are usually well trained in insurance sales which helps overcome the inability to quote other rates. Some consumers prefer to use the same agent primarily because of the brand name rather than having the cheapest rates.

Below is a list of exclusive insurance agencies in Seattle willing to provide price quotes.

View more agents

Independent Insurance Agents

Agents that elect to be independent do not sell for just one brand and that allows them to write policies with lots of companies and possibly get better coverage at lower prices. If you are not satisfied with one company, they simply move your policy to a different company and you don’t have to find a new agent.

If you are comparing rate quotes, you need to contact a few independent agents in order to have the best price comparison. Many can place coverage with smaller regional carriers which may have better rates.

The following is a short list of independent insurance agencies in Seattle willing to provide price quote information.

View more agents

Can you really save if you switch?

Washington drivers can’t escape the ads that claim the best prices from the likes of State Farm, Allstate and GEICO. They all seem to try to convey promises that you’ll save big after switching your coverage to them.

But how can every company have lower policy pricing? It’s all in the words they use.

Different companies can use profiling for the type of driver that will add to their bottom line. For example, a desirable insured might be described as a mature driver, has had continuous coverage, and has great credit. Any driver that matches those criteria gets the lowest rates and will also save a lot of money.

Potential insureds who fall outside this stringent profile will see a more expensive rate and this results in business going elsewhere. The ads say “drivers that switch” but not “everyone who gets a quote” will save that much if they switch. That is how insurance companies can confidently make those claims. This really emphasizes why it is so important to get a wide range of price quotes. Because without a comparison, you cannot know which company will be your best fit.

Lower rates by being persistent

More affordable car insurance in Seattle is attainable on the web and also from your neighborhood Seattle agents, so you need to quote Seattle car insurance with both in order to have the best price selection to choose from. Some car insurance companies do not provide online rate quotes and these smaller companies sell through independent insurance agents.

When getting Seattle car insurance quotes online, it’s not a good idea to skimp on critical coverages to save a buck or two. In too many instances, someone dropped physical damage coverage and found out when filing a claim they didn’t have enough coverage. The proper strategy is to buy a smart amount of coverage at the best cost.

You just read many ideas to shop for Volkswagen Eos insurance online. It’s most important to understand that the more companies you get premium rates for, the better your chances of lowering your premium rates. Drivers may even discover the best auto insurance rates are with a lesser-known regional company.

Helpful articles