2015 Volkswagen Eos Insurance Quotes – 8 Tricks for Cheaper Rates

Want lower auto insurance rates for your Volkswagen Eos? Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us when we tell you many consumers are feeling buyer’s remorse and feel like there’s no way out. Insurance companies such as State Farm, Geico and Farmers Insurance all promote huge savings with fancy advertisements and it is difficult to ignore the propoganda and find the best price available.

If you have insurance now or are shopping for new coverage, you can learn to shop for the lowest rates while maintaining coverages. Choosing the best insurance company for you is not rocket science. Drivers just need to understand the proper methods to compare price quotes online.

Do you qualify for these eight discounts?

Insurance can be prohibitively expensive, but companies offer discounts to help offset the cost. Some trigger automatically at the time of purchase, but a few need to be specially asked for before you will receive the discount. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.

  • More Vehicles More Savings – Insuring multiple cars or trucks on the same auto insurance policy could earn a price break for each car.
  • Payment Method – If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.
  • Save with a New Car – Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
  • Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% less on Eos coverage than drivers with accidents.
  • Distant Student – Kids in college living away from home attending college and do not have a car may qualify for this discount.
  • Sign Online – A handful of insurance companies give back up to $50 for buying your policy on their website.
  • Defensive Driver – Taking a defensive driving course could possibly earn you a 5% discount if you qualify.

A little note about advertised discounts, most discounts do not apply the the whole policy. A few only apply to the price of certain insurance coverages like comprehensive or collision. Just because it seems like having all the discounts means you get insurance for free, you won’t be that lucky. But all discounts will reduce your premiums.

A partial list of companies that possibly offer these money-saving discounts may include but are not limited to:

Check with every prospective company what discounts are available to you. Savings may not be available in every state.

Don’t assume everyone needs the same coverage

When it comes to buying proper insurance coverage, there really is no single plan that fits everyone. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that can help discover if you might need an agent’s assistance.

  • Should I rate my 2015 Volkswagen Eos as pleasure use or commute?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Are my friends covered when driving my 2015 Volkswagen Eos?
  • What if I total my 2015 Volkswagen Eos and owe more than it’s worth?
  • Are my tools covered if they get stolen from my vehicle?
  • Is other people’s property covered if stolen from my vehicle?
  • Am I covered if I wreck a rental car?
  • How does medical payments coverage work?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area. It is quick, free and may give you better protection.

Car insurance specifics

Having a good grasp of your car insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types offered by car insurance companies.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Volkswagen Eos.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Frequently the UM/UIM limits are set the same as your liablity limits.

Auto collision coverage

Collision coverage covers damage to your Eos resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like backing into a parked car, crashing into a ditch, scraping a guard rail, colliding with another moving vehicle and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Liability insurance

This coverage protects you from damage that occurs to other people or property. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like medical expenses, legal defense fees, structural damage and bail bonds. How much coverage you buy is your choice, but buy as much as you can afford.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a bird, vandalism, hail damage and theft. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical expense insurance

Med pay and PIP coverage kick in for immediate expenses such as chiropractic care, nursing services and prosthetic devices. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

In Summary

In this article, we presented a lot of techniques to reduce 2015 Volkswagen Eos insurance prices online. The key concept to understand is the more companies you get rates for, the better your comparison will be. You may be surprised to find that the lowest premiums are with a lesser-known regional company. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate or State Farm.

Cheap insurance can be sourced on the web and with local insurance agents, and you should be comparing both to get a complete price analysis. There are still a few companies who do not offer online quoting and usually these small insurance companies provide coverage only through local independent agents.

Much more information about car insurance can be read below: