Lower Your 2008 Volkswagen Eos Insurance Cost

Trying to find better insurance coverage rates for your Volkswagen Eos? Searching for affordable insurance coverage online can be difficult for people who are new to comparing rates online. With dozens of online companies available, how can consumers have a chance to compare them all to find the lowest price?

It’s a good idea to take a look at other company’s rates periodically because insurance rates tend to go up over time. Even if you think you had the lowest price for Eos insurance a couple years back there is a good chance you can find better rates now. Starting right now, forget all the misinformation about insurance coverage because you’re going to get a crash course in the fastest and easiest way to save on insurance coverage.

Quick Car Insurance Quotes

There are several ways to compare Volkswagen Eos car insurance prices but there is one way that is easier and takes less work. You can waste a few hours (or days) talking about coverages with agents in your area, or you could use online quotes for quick rates.

Many of the larger companies take part in a program where prospective buyers complete one form, and each participating company returns a rated price based on that information. This saves time by eliminating form submissions to every company.

To access this free quoting program, click here (opens in new window).

The only drawback to using this type of form is that consumers can’t choose which carriers to receive prices from. If you would rather choose specific insurance companies to request quotes from, we have assembled a list of the cheapest car insurance companies in your area. Click here for list of insurance companies.

Whichever way you use, ensure you’re using the exact same coverages for each comparison quote. If you use higher or lower deductibles you will not be able to determine which rate is truly the best. Having just a slight variation in insurance coverages may result in large price differences. And when price shopping your coverage, getting more free quotes helps locate the best rates.

Save $382 a year. For real?

Auto insurance providers like Progressive, Geico, Allstate and State Farm regularly use ads on TV and radio. They all say the same thing of big savings if you move your policy. How do they all make almost identical claims? This is how they do it.

Different companies have a certain “appetite” for the right customer that is profitable for them. An example of a driver they prefer could possibly be between the ages of 40 and 55, has no driving citations, and drives less than 10,000 miles a year. A driver who matches those parameters is entitled to the best price and most likely will save when they switch companies.

Consumers who don’t meet these standards must pay higher prices and this can result in the customer not buying. The ads state “people who switch” not “everyone that quotes” save that much. That is how insurance companies can confidently make the claims of big savings.

This illustrates why it’s extremely important to get quotes from several different companies. It’s not possible to predict which insurance companies will fit your personal profile best.

Don’t miss out on these money-saving discounts

Car insurance can cost a lot, but companies offer discounts to help offset the cost. Most are applied when you quote, but lesser-known reductions have to be asked for in order for you to get them.

  • Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% for Eos insurance with a few auto insurance companies.
  • Memberships – Affiliation with a qualifying organization is a good way to get lower rates on auto insurance for Eos insurance.
  • Seat Belts Save – Drivers who require all occupants to use a seat belt can save 10% or more off your PIP or medical payments premium.
  • Accident Waiver – A few companies will allow you to have one accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
  • Drive Safe and Save – Drivers who avoid accidents may save up to 50% more for Eos insurance than drivers with accidents.
  • Driver Safety – Successfully completing a course in driver safety could possibly earn you a 5% discount if you qualify.
  • Pay Upfront and Save – If you pay your bill all at once rather than paying monthly you can actually save on your bill.
  • Save over 55 – If you qualify as a senior citizen, you can possibly qualify for better auto insurance rates for Eos insurance.
  • Braking Control Discount – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.

It’s important to understand that some of the credits will not apply to your bottom line cost. Some only reduce individual premiums such as comprehensive or collision. Even though it may seem like all those discounts means the company will pay you, it doesn’t quite work that way. But all discounts will bring down your premiums.

Car insurance companies who might offer these benefits include:

It’s a good idea to ask every prospective company which discounts you may be entitled to. Savings might not apply in every state.

Do I need special coverages?

When it comes to buying proper insurance coverage for your vehicles, there is no perfect coverage plan. Everyone’s needs are different.

These are some specific questions may help highlight whether or not you will benefit from professional help.

  • Should I bundle my homeowners policy with my auto?
  • Does my liability insurance cover pulling a trailer or camper?
  • Am I covered if I hit a deer?
  • Does my policy pay for OEM or aftermarket parts?
  • Am I covered by my spouse’s policy after a separation?
  • How can I force my company to pay a claim?
  • Can I rent a car in Mexico?
  • Can I rate high risk drivers on liability-only vehicles?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form.

Car insurance coverage considerations

Understanding the coverages of your car insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Auto liability

Liability coverage can cover damage that occurs to people or other property. It protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Some companies may use a combined limit which provides one coverage limit without having the split limit caps.

Liability can pay for things like court costs, emergency aid, legal defense fees and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Auto collision coverage

This coverage pays for damage to your Eos resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like sideswiping another vehicle, rolling your car, hitting a mailbox and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Comprehensive protection

Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as fire damage, vandalism, hitting a bird and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured or underinsured coverage

This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Volkswagen Eos.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical expense coverage

Coverage for medical payments and/or PIP pay for expenses for EMT expenses, nursing services, doctor visits and X-ray expenses. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

You can do this!

Cheaper 2008 Volkswagen Eos insurance is definitely available both online and also from your neighborhood agents, and you need to price shop both to get a complete price analysis. Some insurance companies may not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

When buying insurance coverage, you should never sacrifice coverage to reduce premiums. Too many times, an insured dropped full coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy the best coverage you can find for the lowest price, not the least amount of coverage.

People leave their current company for any number of reasons including policy non-renewal, being labeled a high risk driver, policy cancellation or delays in paying claims. It doesn’t matter what your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.

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