Volkswagen Eos Insurance Rate Quotes in Long Beach

Insurance rates Volkswagen Eos in Long BeachIt’s an obvious conclusion that insurance companies don’t want their policyholders to compare prices. Consumers who shop around for the cheapest price are highly likely to buy a different policy because there is a good probability of finding a policy with better rates. A study showed that consumers who compared rates once a year saved approximately $865 annually compared to policyholders who never shopped around for better prices.

If finding the most affordable car insurance in Long Beach is your ultimate goal, then having an understanding of how to get free comparison quotes and analyze insurance coverage can make it simple to find affordable coverage.

If you want to find the absolute lowest rates, then the best way to get more affordable auto insurance rates is to start doing an annual price comparison from different companies who sell insurance in Long Beach.

  1. Spend some time learning about how car insurance works and the measures you can take to keep rates in check. Many rating criteria that result in higher rates like distracted driving and an unfavorable credit rating can be eliminated by making lifestyle changes or driving safer. Continue reading for more information to find cheap rates and get bigger discounts that may have been overlooked.
  2. Get rate quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can provide rates from a single company like GEICO and Allstate, while independent agencies can quote rates from multiple insurance companies.
  3. Compare the new rates to the price on your current policy to see if a cheaper rate is available in Long Beach. If you find a lower rate quote and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.

One bit of advice is to try to use the same amount of coverage on every quote request and and to compare every insurance company. Doing this ensures a level playing field and maximum price selection.

When shopping for cheaper Long Beach auto insurance quotes, there are a couple of ways of comparing rates from all the different companies. The easiest way by far to find the lowest rates involves getting comparison quotes online.

When comparison shopping, having more price comparisons helps improve the odds of finding the best offered rates.

The companies shown below have been selected to offer comparison quotes in California. To find the best cheap auto insurance in California, we recommend you get rates from several of them to get the cheapest price.

Best reasons to buy insurance in California

Even though Long Beach Eos insurance rates can get expensive, insuring your vehicle is most likely required but also gives you several important benefits.

The benefits of buying enough insurance more than offset the price you pay, particularly for liability claims. But the average driver in California is overpaying more than $850 per year so it’s very important to do a rate comparison at every renewal to help ensure money is not being wasted.

Insurance coverage analysis

The coverage table shown below highlights a range of insurance coverage prices for Volkswagen Eos models. Having a good grasp of how insurance prices are formulated can be useful when making smart choices when comparing insurance rates.

Volkswagen Eos Insurance Rates in Long Beach, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
EOS Komfort Turbo 2-Dr Convertible $370 $792 $464 $28 $138 $1,792 $149
EOS Luxury Turbo 2-Dr Convertible $370 $792 $464 $28 $138 $1,792 $149
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Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Premium costs do not factor in specific zip code location which can modify rates substantially.

Should you raise deductibles?

One of the most common car insurance questions is which comprehensive and collision deductibles to buy. The data tables below can help show the costs and benefits of buying low and high policy deductibles. The first table uses a $250 comprehensive and collision deductible and the second set of prices uses a $1,000 deductible.

Volkswagen Eos insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
EOS Komfort Turbo 2-Dr Convertible $386 $678 $442 $26 $132 $1,689 $141
EOS Luxury Turbo 2-Dr Convertible $386 $678 $442 $26 $132 $1,689 $141
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Volkswagen Eos insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
EOS Komfort Turbo 2-Dr Convertible $238 $426 $442 $26 $132 $1,264 $105
EOS Luxury Turbo 2-Dr Convertible $238 $426 $442 $26 $132 $1,264 $105
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Estimates do not factor in specific Long Beach garaging location which can change price quotes considerably.

Using the premium rates above, we can conclude that using a $250 deductible will cost you roughly $36 more each month or $432 a year than selecting the higher $1,000 deductible. Since you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have at a minimum 21 months between claims, you would most likely save money if you opt for a higher deductible. The numbers below show the way you can do this calculation yourself.

Average monthly premium for $250 deductibles: $141
Average monthly premium for $1,000 deductibles (subtract): – $105
Monthly savings from raising deductible: $36
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $36
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

The chart below highlights how deductible choice and can increase or decrease Volkswagen Eos insurance costs for each different age category. The rates are based on a married female driver, comprehensive and collision coverage, and no additional discounts are factored in.

Cost difference between full coverage and liability

The example below visualizes the comparison of Volkswagen Eos car insurance rates with full physical damage coverage and with liability coverage only. The rate quotes are based on no claims, a clean driving record, $500 deductibles, marital status is single, and no policy discounts are applied.

When to stop buying physical damage coverage

There is no specific rule for excluding full coverage, but there is a general convention. If the annual cost of your full coverage insurance is 10% or more of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.

For example, let’s say your Volkswagen Eos replacement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would get paid by your company is $6,000 after you pay the deductible. If premium cost is more than $600 annually to have full coverage, then it could be time to drop full coverage.

There are some scenarios where eliminating full coverage is not in your best interest. If you haven’t paid off your loan, you have to carry full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not opt for liability only.

Lower rates by qualifying for discounts

Some insurance providers don’t necessarily list all discounts in an easy-to-find place, so we break down some of the more common and also the more inconspicuous ways to save on car insurance.Discount car insurance

A little disclaimer on discounts, most discount credits are not given to all coverage premiums. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So even though you would think having all the discounts means you get insurance for free, it doesn’t quite work that way.

The diagram below compares Volkswagen Eos insurance costs with and without discounts being applied to the rates. The premium estimates are based on a male driver, no claims or driving citations, California 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 safe-driver, marriage, homeowner, multi-policy, claim-free, and multi-car discounts applied.

To locate companies with the best Volkswagen Eos insurance discounts in Long Beach in Long Beach, click this link.

Insurance agents can give valuable advice

A small number of people prefer to sit down and talk to an agent and that is recommended in a lot of cases A nice benefit of price shopping on the web is that you can find lower rates and still have a local agent. Buying from and supporting neighborhood insurance agencies is especially important in Long Beach.

Long Beach insurance agentsTo help locate an agent, after submitting this simple form, the quote information is sent to agents in your area who will return price quotes for your auto insurance coverage. There is no need to search for an agent because prices are sent directly to your email. It’s the lowest rates and an insurance agent to talk to. If you have a need to get a price quote from one company in particular, you just need to navigate to their website and complete a quote there.

Exclusive or Independent: There is a difference

If you are wanting to purchase auto insurance from a local Long Beach insurance agent, it helps to know the two different types of agents and how they function. Agents are classified as either exclusive agents or independent agents.

Independent Agencies or Brokers

Independent agents do not have single company limitations and that gives them the ability to insure with a variety of different insurance companies and help determine which has the cheapest rates. If they find a cheaper price, an independent agent can move your coverage and you can keep the same agent. If you are comparing auto insurance prices, we highly recommend that you include rate quotes from a few independent agents for maximum quote selection. Most have the option of insuring with mutual insurance companies which can be an advantage.

Shown below is a list of independent insurance agents in Long Beach who may provide competitive price quotes.

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Exclusive Insurance Agents

These agents have only one company to place business with such as American Family, State Farm, and Allstate. These agents are not able to shop your coverage around so it’s a take it or leave it situation. Exclusive agents are highly trained on their products and sales techniques which aids in selling service over price. Consumers often use the same agent mostly because of the brand legacy rather than having the cheapest rates.

Listed below are Long Beach exclusive insurance agents that are able to give price quote information.

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Finding a good auto insurance agent is decision based upon more than just a low price. These are some valid questions you should ask.

Best auto insurance company in California

Finding the highest-rated car insurance provider can be rather challenging considering how many different companies insure vehicles in California. The company rank data shown next may help you analyze which car insurance companies to look at comparing price quotes from.

Top 10 Long Beach Car Insurance Companies by A.M. Best Rank

  1. USAA – A++
  2. Travelers – A++
  3. State Farm – A++
  4. GEICO – A++
  5. Esurance – A+
  6. Nationwide – A+
  7. Allstate – A+
  8. Mercury Insurance – A+
  9. Progressive – A+
  10. Titan Insurance – A+

Top 10 Long Beach Car Insurance Companies Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. AAA of Southern California
  5. Titan Insurance
  6. The General
  7. AAA Insurance
  8. State Farm
  9. Mercury Insurance
  10. Nationwide

Don’t give up on cheap coverage

Consumers change insurance companies for a variety of reasons including not issuing a premium refund, denial of a claim, unfair underwriting practices or lack of trust in their agent. Whatever your reason, finding a new auto insurance company can be less work than you think.

When shopping online for auto insurance, never sacrifice coverage to reduce premiums. In many instances, someone dropped comprehensive coverage or liability limits and found out when filing a claim that it was a big error on their part. Your aim should be to buy the best coverage you can find at a price you can afford and still be able to protect your assets.

Budget-friendly auto insurance in Long Beach is attainable from both online companies as well as from independent agents in Long Beach, and you should be comparing both to have the best rate selection. There are still a few companies who may not provide internet price quotes and many times these regional insurance providers sell through independent insurance agents.

More detailed auto insurance information is located at these sites: