Lower Your 2014 Volkswagen Eos Insurance Rates

Searching for cheaper auto insurance rates for your Volkswagen Eos? Shopping online for auto insurance can seem like an uphill battle if you’re new to online price comparisons. But don’t let that discourage you because finding affordable coverage online is easier than you think.

It’s a good idea to do rate comparisons every six months because prices change regularly. If you had the best rates on Eos insurance six months ago you can probably find a better price now. Forget all the misinformation about auto insurance because you’re about to find out how to use the internet to eliminate unnecessary coverages and save money.

Choosing the best insurance company for you is not rocket science. Just about everyone who has to buy insurance will more than likely be able to find lower rates. But drivers must comprehend the way companies price online insurance and apply this information to your search.

The easiest way to get rate comparisons is to know the fact most of the larger companies participate in a system to compare their rates. To get started, all you need to do is provide details including whether you are married, how many miles driven, level of coverage desired, and the ages of drivers. The rating information is then sent to many highly-rated insurers and you should receive rate quotes almost instantly.

To compare multiple company rates now, click here and enter your zip code.

You probably qualify for some discounts

Auto insurance companies do not advertise all their discounts very clearly, so here is a list both the well known and the more hidden discounts you could be receiving.

  • Save over 55 – If you’re over the age of 55, you may receive a discount up to 10% on Eos insurance.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you could save up to 5%.
  • Accident Waiver – Certain companies will forgive one accident without raising rates if you are claim-free for a certain period of time.
  • Paperwork-free – Some insurance companies will discount your bill up to fifty bucks simply for signing digitally online.
  • Federal Employees – Employees or retirees of the government could cut as much as 10% off on Eos insurance with select insurance companies.
  • Life Insurance – Select insurance companies reward you with a break if you buy a life insurance policy as well.
  • Multiple Vehicles – Insuring multiple vehicles with the same company qualifies for this discount.
  • Low Mileage – Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
  • Military Rewards – Having a family member in the military could be rewarded with lower premiums.
  • Safe Driver Discount – Drivers who avoid accidents can get discounts for up to 45% lower rates on Eos insurance than drivers with accidents.

Drivers should understand that most credits do not apply to the entire cost. Most cut the cost of specific coverages such as comp or med pay. So even though they make it sound like all the discounts add up to a free policy, it just doesn’t work that way.

To see a list of insurers who offer auto insurance discounts, click here to view.

What determines your Volkswagen Eos insurance premium

An important part of buying insurance is that you know the factors that go into determining the price you pay for insurance. Knowing what influences your rates allows you to make educated decisions that can help you get lower insurance prices.

  • Optional equipment can affect rates – Purchasing a vehicle with a theft deterrent system can help bring down rates. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping car theft.
  • Lower miles equals lower premium – The more miles you rack up on your Volkswagen each year the more you will pay for insurance. Almost all companies price each vehicle’s coverage determined by how the vehicle is used. Vehicles that are left in the garage receive lower rates than those used for commuting. Having the wrong rating on your Eos may be wasting your money. Verify your insurance policy properly reflects how each vehicle is driven, because improper ratings can cost you money.
  • No coverage gaps is important – Having an insurance coverage lapse is a sure-fire way to pay more for insurance. Not only will rates go up, getting caught without coverage might get you a hefty fine and possibly a revoked license.You may have to file a SR-22 with your state department of motor vehicles.
  • Your location is important – Living in a rural area is a positive aspect when insuring your vehicles. City drivers have to deal with more traffic problems and a longer drive to work. Lower population means reduced accidents and also fewer theft and vandalism claims.
  • Are you male or female? – The statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are worse drivers. Both sexes tend to get into accidents at about the same rate, but the male of the species cause more damage. Men also tend to have more aggressive citations like reckless driving and DUI. Young males tend to get in the most accidents and therefore are the most expensive to insure.
  • Liability coverage protects you – Liability insurance is the protection if a court rules you are at fault for personal injury or accident damage. Liability provides legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not cut corners here.
  • Bump up deductibles to save – Your deductibles represent how much money you are willing to pay in the event of a claim. Physical damage insurance, also known as collision and other-than-collision, protects your car from damage. A few examples of covered claims are colliding with a building, collision with an animal, and rolling your vehicle. The more you have to pay, the lower your rates will be on Eos insurance.
  • Extra add-on coverages are wasting money – There are quite a few additional coverages that you can get tricked into buying on your Eos policy. Things like roadside assistance, accidental death and term life insurance may be costing you every month. These coverages may sound good when talking to your agent, but if they’re wasting money remove them from your policy.

There’s no such thing as the perfect policy

When buying adequate coverage for your personal vehicles, there really is not a “perfect” insurance plan. Every situation is different.

For example, these questions can aid in determining if your insurance needs would benefit from professional advice.

  • Do I have any recourse if my insurance company denies a claim?
  • Is there coverage for injuries to my pets?
  • Can I make deliveries for my home business?
  • Am I covered when driving in Canada or Mexico?
  • Exactly who is provided coverage by my policy?
  • Does car insurance cover theft of personal property?
  • Am I better off with higher deductibles on my 2014 Volkswagen Eos?
  • Do I need medical payments coverage since I have good health insurance?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Should I have combined single limit or split liability limits?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Coverage specifics

Learning about specific coverages of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Liability insurance

This can cover damage or injury you incur to other people or property that is your fault. This coverage protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims like funeral expenses, medical expenses and medical services. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Comprehensive coverages

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, falling objects, a broken windshield and damage from getting keyed. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like dental work, hospital visits and prosthetic devices. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision insurance covers damage to your Eos resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as hitting a parking meter, sustaining damage from a pot hole and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also raise the deductible to bring the cost down.

In Summary

Consumers leave their current company for a number of reasons such as lack of trust in their agent, delays in responding to claim requests, questionable increases in premium or denial of a claim. Regardless of your reason, finding a new company is pretty simple and you could end up saving a buck or two.

Low-cost 2014 Volkswagen Eos insurance is available from both online companies as well as from independent agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies don’t offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

As you prepare to switch companies, make sure you don’t reduce needed coverages to save money. There have been many situations where someone sacrificed comprehensive coverage or liability limits and learned later that it was a big error on their part. Your strategy should be to buy enough coverage for the lowest price while not skimping on critical coverages.

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