Best Ways to Save on Tampa Volkswagen Eos Insurance

It’s a known fact that auto insurance companies don’t want policyholders to shop around. Insureds who get price quotes annually will, in all likelihood, move their business because there is a significant possibility of finding better rates. A study showed that consumers who routinely shopped around saved on average $850 each year compared to those who never shopped around.

If finding budget-friendly rates on auto insurance in Tampa is the reason for your visit, then having a grasp of how to quote prices and compare auto insurance can save time and money.

It takes a few minutes, but the best way to get the cheapest Volkswagen Eos insurance is to compare prices at least once a year from providers in Tampa.

1. Get a basic knowledge of what is in your policy and the changes you can make to lower rates. Many things that are responsible for high rates like traffic tickets, fender benders, and a low credit score can be rectified by making minor changes to your lifestyle. Read the full article for tips to help reduce prices and find additional discounts.
2. Compare rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can give quotes from one company like Progressive or State Farm, while independent agents can quote rates for a wide range of companies.
3. Compare the new rate quotes to your existing policy to determine if you can save on Eos insurance in Tampa. If you find a lower rate, make sure there is no coverage gap between policies.

One bit of advice is to make sure you’re comparing identical deductibles and limits on every price quote and and to get prices from as many different companies as possible. This ensures a fair price comparison and a complete rate analysis.

The car insurance companies shown below are our best choices to provide free rate quotes in Florida. If multiple companies are listed, we suggest you compare several of them in order to get a fair rate comparison.

Do you qualify for discounts on Volkswagen Eos insurance in Tampa?

Some companies don’t list all discounts in a way that’s easy to find, so the next list breaks down a few of the more common and also the more inconspicuous ways to save on insurance.

• Pay Upfront and Save – If you can afford to pay the entire bill rather than spreading payments over time you can avoid the installment charge.
• Federal Government Employee – Simply working for the federal government could qualify for a slight premium decrease with certain companies.
• E-sign – Some of the larger companies will provide an incentive just for signing your application on your computer.
• Responsible Driver Discounts – Insureds without accidents can get discounts for up to 45% lower rates compared to accident prone drivers.
• Own a Home – Owning your own home or condo can earn you a little savings since owning and maintaining a home shows financial diligence.

It’s important to understand that some credits don’t apply to your bottom line cost. Some only reduce specific coverage prices like liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, it’s just not the way it works. Any amount of discount will definitely reduce the premium cost.

The information below shows the comparison of Volkswagen Eos car insurance rates with and without discounts applied. Data assumes a female driver, no violations or accidents, Florida state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, multi-policy, safe-driver, multi-car, and marriage discounts applied.

Auto insurance companies who may offer these money-saving discounts include:

• Farm Bureau
• Liberty Mutual
• State Farm
• Auto-Owners Insurance
• GEICO
• SAFECO

Before you buy a policy, ask every company which discounts you may be entitled to. Some discounts may not apply to policyholders in Tampa. To see a list of insurance companies with the best discounts in Florida, click this link.

Rate information and statistics

The coverage information displayed below showcases estimates of insurance coverage prices for Volkswagen Eos models. Knowing how insurance policy premiums are established helps drivers make decisions on which insurance to purchase.

Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Rate information does not factor in specific zip code location which can alter price quotes noticeably.

Policy deductible comparison

One common question asked by Tampa drivers is the level to set your comp and collision deductibles. The comparisons below approximate the premium difference when you select higher and lower deductibles. The first price estimate table uses a $250 deductible for comprehensive and collision coverage and the second price table uses a $500 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Estimates do not factor in vehicle garaging location which can impact insurance rates significantly.

Based on these figures, using a $250 deductible will cost in the ballpark of $18 more each month or $216 every year across all Volkswagen Eos models than opting for the higher $500 deductible. Due to the fact that you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you average at least 14 months between claim filings, you would come out ahead going with the higher deductible. The table below illustrates an example of how this decision is made.

The information below shows how choosing a deductible and can influence Volkswagen Eos annual premium costs for different age groups of insureds. The information is based on a married female driver, full coverage, and no discounts are factored in.

How to Lower Your Insurance Premiums

Multiple criteria are considered when pricing auto insurance. Some factors are common sense such as your driving record, but others are more transparent like your vehicle usage or your financial responsibility.

The following are a few of the things that factor into premiums.

• Liability coverage is critical – Liability insurance will protect you if ever you are determined to be liable for causing personal injury or damage in an accident. It will provide you with a defense in court to attempt to prove you were not liable. This coverage is very inexpensive when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.
• High deductibles lower costs – Comprehensive and collision coverage deductibles define the amount you are willing to pay out-of-pocket if a covered claim is submitted. Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some examples of covered claims would be a windshield broken by a bird, hail damage, or theft of your vehicle. The more you have to pay, the lower your rates will be.
• Vocation impacts premiums – Careers like real estate brokers, airline pilots, and emergency personnel tend to pay higher rates than average due to intense work requirements and incredibly demanding work hours. On the flip side, occupations like professors, engineers and homemakers get better rates.
• Annual miles impacts costs – The higher the mileage driven every year the higher your rates will be. A lot of companies rate vehicles based upon how much you drive. Vehicles that sit idle most of the time receive lower rates than those used for commuting. Verify your declarations sheet properly reflects the right rating data, because it can save money. Having an incorrect usage rating on your Eos can result in significantly higher rates.
• Costs and your address – Having an address in smaller towns and rural areas of the country has definite advantages when it comes to car insurance. Fewer drivers and short commutes translates into fewer accident claims and also fewer theft and vandalism claims. Urban drivers have more road rage incidents and much longer commute distances. More time on the road can result in more accidents.
• Getting married can save you money – Being married may earn you lower rates compared to being single. Having a spouse translates into being less irresponsible and statistics show drivers who are married are more cautious.

• Volkswagen Eos claim statistics – Insurers include the past claim trends for vehicles when setting premium rates. Models that the data shows to have higher prevalence or dollar amount of losses will have higher rates. The information below illustrates the historical insurance loss data for Volkswagen Eos vehicles.

  For each coverage type, the claim amount for all vehicles combined as an average is considered to be 100. Numbers below 100 indicate better than average losses, while values over 100 indicate higher probability of having a loss or an increased chance of larger losses than average.

  
  

  Volkswagen Eos Insurance Loss Statistics

  Make and 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
  Statistics from IIHS.org for 2013-2015 Model Years

Compare prices but still have a local Tampa insurance agent

A small number of people still like to talk to a local agent and often times that is recommended Insurance agents can help determine the best coverages and help in the event of a claim. One of the best bonuses of comparing car insurance online is you can get cheap car insurance quotes and still choose a local agent.

To make it easy to find an agent, after completing this short form, your coverage information gets sent to local insurance agents that can provide free Tampa auto insurance quotes for your insurance coverage. It’s much easier because you don’t need to visit any agencies because quoted prices will be sent to the email address you provide. If you need to get a price quote from a particular provider, you just need to go to their quote page to submit a rate quote request.

Finding a good company is decision based upon more than just a cheap price quote. Get answers to these questions too.

• What kind of financial rating does the company have?
• Do they receive special compensation for putting your coverage with one company over another?
• Can you get a list of referrals?
• Will the agent help in case of a claim?
• Do they write coverage based solely on cost?
• How much training do they have in personal risk management?
• What insurance companies do they work with in Tampa?

Listed below is a short list of insurers in Tampa that are able to give price quotes for Volkswagen Eos insurance in Tampa.

More Tampa agents

Persistence is the key to affordable rates

When buying insurance coverage, it’s a bad idea to buy poor coverage just to save money. There have been many cases where someone dropped uninsured motorist or liability limits and learned later that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy a smart amount of coverage for the lowest price, but do not skimp to save money.

You just learned quite a bit of information on how to lower your Volkswagen Eos insurance premium rates in Tampa. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your prices. You may even be surprised to find that the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising. Regional companies may cover specific market segments cheaper than their larger competitors like Allstate or State Farm.

Additional articles

• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Who Has the Cheapest Tampa Auto Insurance for Drivers with Good Credit? (FAQ)
• Understanding Limits and Deductibles (Allstate)
• Learn About Car Insurance (GEICO)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)
• Property Damage Coverage (Liberty Mutual)