We don’t have to point out that fact that auto insurance companies want to prevent you from shopping around. Insureds who compare other prices will most likely buy a new policy because there is a good chance of getting low-cost coverage. A recent study showed that consumers who regularly compared rates saved on average $860 a year as compared to drivers who never shopped around for better prices.
If finding the best price on insurance in Scottsdale is why you’re reading this, then having a grasp of how to find and compare coverage rates can make it easier for you to save money.
The easiest way to get affordable Volkswagen Eos insurance in Scottsdale is to start comparing prices yearly from companies who sell auto insurance in Arizona.
- Step 1: Read about how companies price auto insurance and the changes you can make to prevent rate increases. Many rating criteria that drive up the price like accidents, traffic tickets, and an unacceptable credit rating can be remedied by making minor changes in your lifestyle. This article gives ideas to help keep prices low and get additional discounts.
- Step 2: Request rate estimates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only quote rates from a single company like Progressive and State Farm, while agents who are independent can provide rate quotes for a wide range of companies.
- Step 3: Compare the new rate quotes to the premium of your current policy and determine if there is any savings. If you can save some money and switch companies, ensure coverage does not lapse between policies.
- Step 4: Provide written notification to your current company of your intent to cancel your current auto insurance policy and submit a completed application and payment to your new carrier. Once the application is submitted, place your new certificate of insurance along with your vehicle registration.
One thing to point out is that you’ll want to compare similar limits and deductibles on every price quote and and to get price estimates from as many companies as feasibly possible. This helps ensure a level playing field and maximum price selection.
Finding the cheapest protection in Scottsdale can be fairly easy. In essence, anyone who buys auto insurance should be able to lower their premiums. But Arizona car owners can benefit by having an understanding of how big insurance companies compete online and use this information to your advantage.
Keep in mind that comparing more prices provides better odds of finding a better price. Some insurance companies are not set up to provide Scottsdale Eos insurance quotes online, so it’s important to compare prices from them, too.
The providers in the list below are ready to provide comparison quotes in Scottsdale, AZ. If you wish to find the best car insurance in Scottsdale, we suggest you compare several of them to get the best price comparison.
Statistics and details
The coverage information displayed next showcases a range of coverage costs for Volkswagen Eos models. Having knowledge of how policy premiums are formulated is important to be able to make informed decisions when comparing rate quotes.
|EOS Komfort Turbo 2-Dr Convertible
|EOS Luxury Turbo 2-Dr Convertible
|Get Your Own Custom Quote Go
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Premium costs do not factor in specific zip code location which can modify price quotes considerably.
One of the most common insurance questions is which deductible level should you buy. The tables below highlight how much more you’ll pay when you choose different physical damage deductibles. The first data table uses a $100 deductible for comp and collision and the second rate table uses a $1,000 deductible.
|EOS Komfort Turbo 2-Dr Convertible
|EOS Luxury Turbo 2-Dr Convertible
|Get Your Own Custom Quote Go
|EOS Komfort Turbo 2-Dr Convertible
|EOS Luxury Turbo 2-Dr Convertible
|Get Your Own Custom Quote Go
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Premium costs do not factor in Scottsdale location which can influence rates significantly.
We can derive from the above data that using a $100 deductible costs roughly $34 more each month or $408 annually than choosing the higher $1,000 deductible. Because you would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at least 26 months between claims, you would probably come out ahead by selecting a higher deductible. Below is an example of how you can do this calculation yourself.
|Average monthly premium for $100 deductibles:
|Average monthly premium for $1,000 deductibles (subtract):
|Monthly savings from raising deductible:
|Difference between deductibles ($1,000 – $100):
|Divide difference by monthly savings:
|$900 / $34
|Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible
One important issue to know is that raising deductibles means you will have to pay more when you have to file a claim. You need to have some non-essential savings in order to pay the higher deductible.
The information below illustrates how choosing a deductible and can change Volkswagen Eos insurance costs for each different age category. The costs are based on a single male driver, comprehensive and collision coverage, and no discounts are factored in.
Insurance prices based on gender
The information below shows the comparison of Volkswagen Eos car insurance rates for male and female drivers. The premium estimates are based on a clean driving record, no at-fault accidents, comprehensive and collision coverage, $100 deductibles, single marital status, and no discounts are taken into consideration.
Should you buy full coverage?
The illustration below compares Volkswagen Eos auto insurance costs when comparing full coverage to state minimum liability only. The rates are based on no violations or accidents, $100 deductibles, drivers are not married, and no policy discounts are applied.
Guidelines for eliminating full coverage
There is no set rule that is best for determining when to drop full coverage on your policy, but there is a general school of thought. If the yearly cost for physical damage coverage is more than 10% of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.
For example, let’s pretend your Volkswagen Eos settlement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would receive is $2,000 after paying the physical damage deductible. If you are currently paying more than $200 annually for comprehensive and collision coverage, then you might consider buying liability only.
There are some conditions where only buying liability is not recommended. If you still owe money on your vehicle, you have to keep full coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not opt for liability only.
Why auto insurance is not optional
Despite the potentially high cost of Volkswagen Eos insurance, insurance may be required and benefits you in several ways.
First, almost all states have minimum mandated liability insurance limits which means the state requires a minimum amount of liability insurance in order to drive the car legally. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you bought your car with a loan, almost all lenders will force you to have insurance to guarantee payment of the loan. If you default on your policy, the bank may buy a policy for your Volkswagen at a significantly higher premium and require you to fork over for the expensive policy.
Third, insurance safeguards not only your Volkswagen Eos but also your financial assets. Insurance will pay for many types of medical costs for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, will also pay to defend you in the event you are sued. If you have damage to your Volkswagen as the result of the weather or an accident, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of insuring your Eos outweigh the cost, specifically if you ever have a liability claim. As of last year, the average driver in Arizona overpays as much as $750 every year so it’s important to compare rates each time the policy renews to ensure rates are inline.
The Volkswagen Eos Insurance Rate Equation
Lots of things are taken into consideration when quoting car insurance. Some are pretty understandable like a motor vehicle report, although some other factors are less obvious such as your credit history or your vehicle rating. One of the most helpful ways to save on insurance is to to have a grasp of some of the factors that aid in calculating your premiums. If you understand what determines premiums, this enables informed choices that may reward you with cheaper rates.
The itemized list below are just a few of the factors that factor into prices.
Extra coverages push up costs – Policies have add-on coverages that sound like a good idea at the time when buying insurance. Coverage for things like rental car coverage, towing, and motor club memberships may not be needed and are just wasting money. These may sound like a good investment when you first buy your policy, but your needs may have changed so remove them from your policy.
Rate your vehicle for proper use – The more you drive each year the more you’ll pay to insure it. A lot of insurance companies price each vehicle’s coverage based upon how the vehicle is primarily used. Autos that have low annual miles qualify for better rates than vehicles that have high annual mileage. Verify your insurance coverage correctly shows the correct usage for each vehicle, because it can save money. An incorrectly rated Eos is just wasting money.
Pay more by driving carelessly – Just one citation may cause rates to rise forty percent or more. Good drivers tend to pay less for car insurance as compared to those with violations. Drivers who have severe citations such as DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 form with the DMV in their state in order to continue driving.
The illustration below shows how speeding tickets and fender-benders can drive up Volkswagen Eos yearly insurance costs for each age group. The rate quotes are based on a single male driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.
Marriage can lower premiums – Your spouse may cut your premiums when buying insurance. It translates into being more mature and responsible and insurance companies reward insureds because being married results in fewer claims.
Is your car built for speed? – The performance level of the vehicle you are buying insurance for makes a huge difference in the rate you pay. Small economy passenger models usually have the lowest premiums, but that’s not the only thing that factors into the final price.
The following data assumes a single female driver age 50, full coverage with $100 deductibles, and no discounts or violations. It illustrates Volkswagen Eos rates compared to other makes and models that have a range of risk factors.
Big city or small town – Being located in areas with lower population is a positive aspect when insuring your vehicles. Less people living in that area means reduced accidents in addition to lower liability claims. City drivers have to deal with more aggressive driving styles and higher rates of accident claims. More time on the road means a statistically higher chance of an accident.
Loss statistics for a Volkswagen Eos – Auto insurance companies analyze claim trends for every vehicle when they calculate premium rates for each model. Vehicles that the data shows to have increased claim numbers or amounts will cost more for coverage.
The information below illustrates the compiled insurance loss statistics for Volkswagen Eos vehicles. For each coverage type, the claim probability for all vehicles averaged together is equal to 100. Percentage numbers below 100 represent a good loss history, while numbers above 100 indicate a higher chance of having a claim or an increased likelihood of larger losses.
|Vehicle Make and Model
|Volkswagen Eos Convertible
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Insurance discounts help lower rates for Volkswagen Eos insurance in Scottsdale
Car insurance can cost a lot, but there may be some discounts that you may not even know about. Some discounts will apply when you complete an application, but some may not be applied and must be specially asked for before being credited. If they aren’t giving you every credit you qualify for, you are throwing money away.
- Defensive Driver – Participating in a course that instructs on driving safety could cut 5% off your bill and easily recoup the cost of the course.
- Save over 55 – Mature drivers could receive a discount up to 10%.
- Drivers Education – Cut your cost by having your teen driver take driver’s ed class as it will make them better drivers and lower rates.
- Save with More Vehicles Insured – Purchasing coverage when you have multiple vehicles on one policy can get a discount on all vehicles.
- Accident-Free Discounts – Scottsdale drivers who stay claim-free are rewarded with significantly better rates on Scottsdale auto insurance quote in comparison to accident-prone drivers.
- Buy New and Save – Buying insurance coverage on a new vehicle may earn a small discount due to better safety requirements for new model year vehicles.
- Life Insurance – Select insurance carriers reward you with a lower rate if you buy a life policy as well.
Keep in mind that most credits do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Despite the fact that it seems like adding up those discounts means a free policy, you aren’t that lucky. Any amount of discount will definitely lower your overall premium however.
The chart below shows the difference between Volkswagen Eos car insurance rates with and without discounts. The data is based on a female driver, no driving violations, no at-fault accidents, Arizona state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, claim-free, safe-driver, multi-policy, and homeowner discounts applied.
Some companies who may offer most of the discounts above may include but are not limited to:
If you need lower rates, check with each company which discounts they offer. All car insurance discounts might not be available to policyholders in Scottsdale.
Will just any policy work for me?
When it comes to the right insurance coverage, there really is no one-size-fits-all type of policy. Everyone’s needs are different and your car insurance should unique, too.
For instance, these questions could help you determine whether or not you could use an agent’s help.
- Is business equipment covered while in my vehicle?
- Should I bundle my homeowners policy with my auto?
- Do I need an umbrella policy?
- Does coverage extend to my business vehicle?
- Does my policy pay for OEM or aftermarket parts?
- Are rock-chip repairs free?
- If I use my vehicle for business use is it covered?
If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.
You may require the services of an agent
Certain consumers just want to visit with an insurance agent and there is nothing wrong with that. The biggest benefit of getting online price quotes is you can get better rates but also keep your business local. And providing support for local insurance agencies is especially important in Scottsdale.
To find an agent, once you fill out this short form, the coverage information is submitted to participating agents in Scottsdale who want to provide quotes for your auto insurance coverage. You never need to leave your computer as quotes are delivered instantly to you. It’s the lowest rates without requiring a lot of work. If you wish to compare rates from a particular provider, don’t hesitate to navigate to their website and complete a quote there.
If you are wanting to find a reputable insurance agent or broker, you must know there are a couple different types of agents and how they differ in how they quote coverages. Agencies in Scottsdale may be either exclusive or independent.
Independent Auto Insurance Agencies or Brokers
Independent insurance agents do not work for one specific company and that allows them to write policies through many companies and potentially find a lower price. If they find a lower price, an independent agent can move your coverage and you can keep the same agent.
When comparing auto insurance prices, you should always include several independent agencies to maximize your price options.
Listed below is a short list of independent insurance agencies in Scottsdale who may be able to give you competitive price quotes.
These agents have only one company to place business with like State Farm or Allstate. They usually cannot provide rate quotes from other companies so they have no alternatives for high prices. Exclusive insurance agents are trained well on sales techniques which helps them compete with independent agents.
The following is a list of exclusive agencies in Scottsdale who can help you get price quote information.
Scott Holly – State Farm Insurance Agent
4014 N Goldwater Blvd Ste 202 – Scottsdale, AZ 85251 – (480) 949-7204 – View Map
Choosing the best insurance agent should include more criteria than just the price. Here are some questions to ask:
- Are all drivers listed on the coverage quote?
- Which companies can they place coverage with?
- Will your rates increase after a single accident?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Does the agency provide any after hours assistance?
- Do they get extra compensation for selling add-on coverages?
- Does the quote include credit and driving reports?
- Will their companies depreciate repairs to your car based on the mileage?
Best car insurance in Arizona
Ending up with a highly-rated car insurance company can be challenging considering how many companies there are to choose from in Arizona. The company ratings in the lists below may help you choose which car insurance companies to look at when comparing rates.
Top 10 Scottsdale Car Insurance Companies Overall
- American Family
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
- Mercury Insurance
The best insurance company isn’t always the cheapest
In this article, we presented a lot of ways to lower your Volkswagen Eos insurance auto insurance rates in Scottsdale. The key concept to understand is the more rate quotes you have, the better your chances of lowering your premium rates. Drivers may even discover the biggest savings come from a lesser-known regional company. Smaller companies may often insure only within specific states and give better rates than their larger competitors like State Farm and Allstate.
Some insurance companies don’t offer rates over the internet and usually these smaller providers only sell coverage through independent agents. Cheap Volkswagen Eos insurance in Scottsdale can be purchased on the web in addition to local insurance agencies, so compare prices from both to have the best rate selection.
As you quote Scottsdale auto insurance, do not buy less coverage just to save a little money. There have been many situations where someone dropped full coverage only to regret they didn’t purchase enough coverage. The ultimate goal is to find the BEST coverage at the lowest possible cost, but do not skimp to save money.
Additional car insurance information can be read at the links below
- Car Insurance FAQ (Trusted Choice)
- Who Has Affordable Car Insurance for Nurses in Scottsdale? (FAQ)
- Who Has Affordable Auto Insurance for Government Employees in Scottsdale? (FAQ)
- Who Has the Cheapest Auto Insurance for a Hyundai Elantra in Scottsdale? (FAQ)
- What Insurance is Cheapest for Lyft Drivers in Scottsdale? (FAQ)
- How Much is Auto Insurance for a Jeep Grand Cherokee in Scottsdale? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Drivers Over Age 50 in Scottsdale? (FAQ)
- Shopping for a Safe Car (Insurance Information Institute)
- Car Insurance: When not to Skimp (BankRate.com)