Want more competitive Volkswagen Eos insurance in Denver? Finding better insurance prices for a new or used Volkswagen Eos in Colorado can normally be a painful process, but you can learn a few tricks to save time.
There are more efficient ways to compare insurance rates and we’ll show you the proper way to get price quotes for a new or used Volkswagen and locate the cheapest rates from both online companies and Denver agents.
Smart consumers take time to quote other rates before your policy renews because insurance prices fluctuate regularly. Just because you found the best deal on Volkswagen Eos insurance in Denver two years ago other companies may now be cheaper. You can find a lot of misleading information regarding Eos insurance online but by reading this article, you’re going to learn some of the best ways to lower your insurance rates in Denver.
Lowering your auto insurance rates is actually quite simple. Just spend a few minutes comparing price quotes to see which company has cheaper Denver auto insurance quotes.
The providers in the list below provide price quotes in Denver, CO. If multiple companies are shown, we recommend you visit two to three different companies to get the most competitive price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|EOS Komfort Turbo 2-Dr Convertible||$298||$528||$358||$22||$108||$1,314||$110|
|EOS Luxury Turbo 2-Dr Convertible||$238||$458||$338||$20||$100||$1,154||$96|
|Get Your Own Custom Quote Go|
Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Rate quotes do not factor in specific zip code location which can affect premiums greatly.
Higher deductibles lower rates
The information below illustrates how your choice of deductibles and can influence Volkswagen Eos insurance rates for different insured age categories. The premiums assume a married male driver, comp and collision included, and no discounts are applied to the premium.
These discounts can lower your insurance rates
Insurance is not inexpensive, but there’s a good chance there are discounts that many people don’t even know exist. Some of these discounts will be visible when you quote, but some need to be asked for before you get the savings.
- Seat Belts Save more than Lives – Forcing all vehicle occupants to buckle up could cut 10% or more on medical payment and PIP coverage.
- Auto/Home Discount – When you combine your auto and homeowners insurance and insure them with the same company you could get a discount of up to 20% off your total Eos insurance premium.
- Drivers Ed for Students – Cut your cost by having your teen driver enroll in driver’s education in high school.
- Memberships – Being a member of a qualifying organization may earn a discount when shopping for insurance.
- Paperwork-free – A handful of insurance companies provide a small discount simply for signing on the web.
Drivers should understand that most of the big mark downs will not be given to the entire policy premium. Some only apply to the price of certain insurance coverages like comp or med pay. So even though they make it sound like you can get free auto insurance, nobody gets a free ride. But all discounts will cut your insurance premiums.
For a list of insurers that offer multiple discounts in Denver, click here.
How Car Insurance Companies Determine Volkswagen Eos Insurance Costs
Lots of factors are part of the calculation when you get your auto insurance bill. Some factors are common sense such as traffic violations, although others are more transparent such as your credit history or how safe your car is. Consumers need to have an understanding of some of the elements that are used to determine auto insurance rates. When consumers understand what impacts premium levels, this allows you to make educated decisions that can help you get big savings.
Shown below are a partial list of the pieces used by your company to calculate your prices.
Avoid tickets and save – Being a careful driver can have a huge impact on auto insurance premiums. Drivers with clean records pay less for auto insurance than their less careful counterparts. Even a single driving citation can bump up the cost by as much as twenty percent. Drivers who have multiple citations like DUI, reckless driving or excessive speeding may need to prove financial responsibility with the DMV in their state in order to legally drive.
Low deductibles cost more – Protection for physical damage, termed comprehensive and collision coverage on your policy, protects your Volkswagen from damage. Some instances where coverage would apply would be colliding with a building, flood damage, and rolling your vehicle. Comprehensive and collision coverage deductibles are the amount of money you are willing to pay if you file a covered claim. The larger the amount you are required to pay out-of-pocket, the less money you will pay for auto insurance.
GPS tracking and theft deterrents lowers premiums – Choosing a vehicle that has a built-in theft deterrent system can get you a discount on your auto insurance. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems help track and prevent auto theft.
Marriage pays dividends – Having a wife or husband may save some money when buying auto insurance. Having a significant other generally demonstrates drivers are more stable financially and statistics prove drivers who are married are more cautious.
What are good liability insurance limits? – Your policy’s liability coverage will protect you when you are found to be at fault for an accident. Your policy’s liability insurance provides you with a defense in court to defend your case. This coverage is relatively inexpensive as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.
Combine home and auto and save – Most insurance companies allow a discount to people that buy multiple policies in the form of a multi-policy discount. Discounts can be anywhere from five to ten percent in most cases. If you currently are using one company, drivers will still want to get quotes from other companies to help guarantee you have the best rates.
If you don’t need it don’t buy it – There are quite a few optional add-on coverages that may not really be needed if you don’t pay attention. Insurance for things like roadside assistance, accident forgiveness, and extra life insurance coverage could be just wasting money. The coverages may be enticing initially, but if they’re wasting money think about removing them and cutting costs.
High claims frequency drives up auto insurance rates – If you frequently file small claims, you can pretty much guarantee higher premiums or even policy non-renewal. Car insurance companies in Colorado provide most affordable rates to policyholders who are claim-free. Auto insurance is intended for claims that pose a financial burden.
Volkswagen Eos claim statistics – Insurers study historical loss data to determine a rate that will be profitable for them. Vehicles that the data determines to have a higher amount or frequency of claims will have higher rates. The next table illustrates the historical loss data for Volkswagen Eos vehicles.
For each coverage category, the claim amount for all vehicles, regardless of make, model or trim level, is set at 100. Numbers that are below 100 suggest a positive loss record, while values that are above 100 indicate more frequent claims or larger claims.
Insurance Loss Ratings for Volkswagen Eos Vehicles
|Make and 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
Local Denver insurance agents
Some people would prefer to sit down and talk to an agent and that is a smart decision Professional insurance agents are trained risk managers and help you file claims. An additional benefit of getting online price quotes is you can get cheaper rates and still have an agent to talk to. Putting coverage with local insurance agencies is important especially in Denver.
To make it easy to find an agent, after completing this short form, your insurance data is emailed to local insurance agents in Denver who will return price quotes and help you find cheaper coverage. There is no reason to search for any insurance agencies since rate quotes are delivered straight to your inbox. If you want to compare prices from a specific insurance company, you would need to search and find their rate quote page and fill out the quote form the provide.
If you are wanting to purchase auto insurance from local Denver agents, it can be helpful to understand the different agency structures and how they are slightly different. Agencies in Denver can either be independent or exclusive. Either one can insure your vehicles properly, but it is important to understand the subtle differences because it can impact buying decisions.
Independent Insurance Agents
Agents in the independent channel are not restricted to one company so they can insure your vehicles with multiple insurance companies and possibly get better coverage at lower prices. If they find a cheaper price, your policy is moved internally and you stay with the same agent. If you are comparing rate quotes, we recommend you compare quotes from at least one independent agent to have the most options to choose from. Many write coverage with small regional insurance companies that can offer cheaper rates than bigger companies.
Below is a short list of independent insurance agencies in Denver who can help you get free auto insurance rate quotes.
- Insurance Town and Country
1735 E 17th Ave #3 – Denver, CO 80218 – (303) 388-7216 – View Map
- Alliance General Insurance Agency
2696 CO-2 – Denver, CO 80222 – (303) 377-1172 – View Map
- Affordable American Insurance-Lloyd Nguyen Agency
1834 S Sheridan Blvd – Denver, CO 80232 – (303) 936-7233 – View Map
Agents that choose to be exclusive can usually just insure with one company and some examples include American Family, State Farm, and AAA. Exclusive agents cannot shop your coverage around so they have no alternatives for high prices. These agents are usually quite knowledgeable in insurance sales which helps them sell insurance even at higher premiums. Consumers sometimes buy from exclusive agents primarily because of high brand loyalty rather than low price.
The following are Denver exclusive insurance agencies willing to provide comparison quotes.
- Alan Deines – State Farm Insurance Agent
2120 S Ash St Unit 150 – Denver, CO 80222 – (303) 388-4400 – View Map
- Caramel Russell-Rouse – State Farm Insurance Agent
999 S Monaco Pkwy #200 – Denver, CO 80224 – (303) 424-0420 – View Map
- Beth Bales – State Farm Insurance Agent
3650 S Yosemite St #408 – Denver, CO 80237 – (303) 993-2727 – View Map
Deciding on an insurance agency requires more thought than just the premium amount. These are some questions your agent should answer.
- Is there a local claims center in Denver?
- Are they actively involved in the community?
- Are aftermarket or OEM parts used to repair vehicles?
- Which company do they place the most coverage with?
- Does the agency have a good rating with the Better Business Bureau?
Compare. Compare. Compare.
We just covered many ideas to shop for Volkswagen Eos insurance online. The key concept to understand is the more providers you compare, the better your comparison will be. Drivers may even discover the lowest premium rates are with some of the smallest insurance companies.
More affordable car insurance in Denver is definitely available online and from local agencies, and you need to price shop both in order to have the best chance of saving money. Some car insurance companies may not have the ability to get quotes online and most of the time these small, regional companies sell through independent insurance agencies.
People change insurance companies for a variety of reasons including not issuing a premium refund, delays in paying claims, policy cancellation or even unfair underwriting practices. Regardless of your reason for switching companies, choosing a new company is not as difficult as it may seem.
Even more information can be found at these sites:
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- Who Has Cheap Denver Auto Insurance Rates for a Chevrolet Equinox? (FAQ)
- What Auto Insurance is Cheapest for Drivers Under 21 in Denver? (FAQ)
- What Auto Insurance is Cheapest for Low Income Drivers in Denver? (FAQ)
- What Car Insurance is Cheapest for a Honda Accord in Denver? (FAQ)
- Who Has Cheap Car Insurance for Retired Military in Denver? (FAQ)
- Who Has Affordable Denver Auto Insurance for Active Military? (FAQ)
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)
- Distracted Driving Statistics (Insurance Information Institute)
- What are my Rights when Filing a Claim? (Insurance Information Institute)