Save on 2014 Volkswagen Eos Car Insurance Rates

Searching for better insurance coverage rates? Consumers have lots of choices when looking for the best price on Volkswagen Eos insurance. You can either spend your time calling around to compare prices or save time using the internet to make rate comparisons. There is a better way to find insurance coverage online so you’re going to learn the proper way to get price quotes for a new or used Volkswagen and locate the lowest possible price from local insurance agents and online providers.

It’s a good habit to compare rates quite often since rates trend upward over time. If you had the best deal for Eos coverage a couple years back you can probably find a better price now. Starting right now, forget anything you know (or think you know) about insurance coverage because we’re going to show you the things you must know in order to reduce your cost while increasing coverage.

Be sure to get all your discounts

Companies offering auto insurance don’t list every discount in an easy-to-find place, so here is a list some of the more common as well as the least known savings tricks you should be using. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Air Bag Discount – Factory air bags or automatic seat belts can get savings of more than 20%.
  • Clubs and Organizations – Affiliation with a qualifying organization may earn a discount on your policy for Eos coverage.
  • No Charge for an Accident – A handful of insurance companies allow you one accident before your rates go up if you are claim-free for a certain period of time.
  • Senior Citizens – Older drivers may receive better car insurance rates for Eos coverage.
  • Paperwork-free – Some insurance companies may give you up to $50 for buying a policy and signing up over the internet.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • Discount for Swiching Early – A few companies offer discounts for switching to them prior to your current policy expiring. The savings is around 10%.
  • Drivers Ed for Students – Cut your cost by having your teen driver complete a driver education course in high school.
  • Multiple Cars – Insuring all your vehicles on the same car insurance policy could earn a price break for each car.
  • Auto/Life Discount – Select insurance companies reward you with a break if you buy auto and life insurance together.

As a disclaimer on discounts, most credits do not apply to the overall cost of the policy. Most cut individual premiums such as medical payments or collision. So even though it sounds like you would end up receiving a 100% discount, it doesn’t quite work that way.

Car insurance companies who might offer these money-saving discounts are:

It’s a good idea to ask each insurance company what discounts are available to you. Some discounts might not apply in every state.

Impacting insurance rates for a Volkswagen Eos

Smart consumers have a good feel for some of the elements that go into determining the price you pay for insurance coverage. Understanding what influences your rates allows you to make educated decisions that may reward you with better insurance coverage rates.

Listed below are some of the factors companies use to determine rates.

  • Having a spouse can save you money – Getting married can actually save you money on your policy. Marriage is viewed as being more mature and it’s statistically proven that drivers who are married are more cautious.
  • Do you need those extra coverages? – There are quite a few add-on coverages that can waste your money on your 2014 Eos policy. Coverages for roadside assistance, accident forgiveness and membership fees are examples of these. They may seem good initially, but your needs may have changed so eliminate them to save money.
  • Your job and insurance rates – Did you know your occupation can influence how much you pay for insurance coverage? Careers like judges, social workers and financial analysts have higher average rates because of high stress and lots of time spent at work. Conversely, jobs such as actors, engineers and homemakers get better rates for Eos coverage.
  • Claim-free discounts can add up – If you are a frequent claim filer, you can look forward to either policy cancellation or increased premiums. Insurance companies generally give lower rates to drivers who do not file claims often. Your insurance policy is meant to be used in the event of larger claims.
  • Big city or small town – Residing in a rural area is a positive aspect when insuring your vehicles. City drivers have more traffic problems and a longer drive to work. Fewer drivers means a lower chance of having an accident and also fewer theft and vandalism claims.
  • Bundling policies can get discounts – Some insurers will award you with lower prices to policyholders who consolidate policies with them in the form of a multi-policy discount. Even though this discount sounds good, it’s still a good idea to comparison shop to ensure the best deal. Drivers may still find a better deal by buying insurance from more than one company.
  • Safer occupants lowers premiums – Cars with high safety ratings are cheaper to insure. Safe vehicles have better occupant injury protection and lower injury rates means less money paid by your insurance company and lower rates for you. If your Volkswagen Eos is rated at least four stars on Safercar.gov you are probably receiving a discount.
  • Never let your coverage lapse – Not having insurance is against the law and your next policy will cost more because you let your insurance lapse. And not only will your rates increase, getting caught without coverage might get you a license revocation or jail time.You may then be required to prove you have insurance by filing a SR-22 with your state department of motor vehicles.

How do I know if I need professional advice?

When it comes to buying adequate coverage, there really is not a “perfect” insurance plan. Every insured’s situation is different.

For instance, these questions may help you determine whether you will benefit from professional help.

  • Should I file a claim if it’s only slightly more than my deductible?
  • How high should deductibles be on a 2014 Volkswagen Eos?
  • If my 2014 Volkswagen Eos is totaled, can I afford another vehicle?
  • Are all vehicle passengers covered by medical payments coverage?
  • Do I have newly-aquired coverage?
  • Where can I find DUI or SR-22 insurance?
  • Why am I required to buy high-risk coverage?
  • Am I covered if I hit a deer?
  • Do I need rental car coverage?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form. It’s fast, free and can provide invaluable advice.

Can you really save $437 a year?

Consumers can’t get away from ads for the lowest price auto insurance from companies such as State Farm, Geico and Progressive. They all seem to make an identical promise that you can save if you switch your policy.

How does each company make almost identical claims? It’s all in the numbers.

All companies are able to cherry pick for the right customer that earns them a profit. A good example of a desirable insured could be between 25 and 40, has no driving citations, and chooses high deductibles. A propective insured who matches those parameters is entitled to the best price and as a result will probably cut their rates substantially.

Potential insureds who don’t meet the “perfect” profile will have to pay higher prices which usually ends up with the driver buying from a lower-cost company. The ads say “people who switch” not “everybody who quotes” save money. That’s why insurance companies can make the claims of big savings. Because of the profiling, you should get a wide range of price quotes. It’s just too difficult to predict which company will fit your personal profile best.

The coverage is in the details

Having a good grasp of your policy helps when choosing which coverages you need for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like EMT expenses, chiropractic care and ambulance fees. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability coverage

Liability coverage provides protection from damages or injuries you inflict on other’s property or people in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for things such as repair costs for stationary objects, repair bills for other people’s vehicles, medical expenses and legal defense fees. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Uninsured and underinsured coverage

This provides protection from other drivers when they 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 many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Comprehensive coverages

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

Comprehensive coverage pays for claims such as falling objects, a broken windshield, rock chips in glass, vandalism and hitting a bird. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision coverage covers damage to your Eos resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as damaging your car on a curb, colliding with another moving vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Have the Midas touch

As you go through the steps to switch your coverage, it’s very important that you do not skimp on coverage in order to save money. In too many instances, an insured cut physical damage coverage only to discover later that the few dollars in savings costed them thousands. The aim is to find the BEST coverage for the lowest price, not the least amount of coverage.

We’ve covered some good ideas how you can reduce 2014 Volkswagen Eos insurance prices online. It’s most important to understand that the more rate comparisons you have, the better your comparison will be. You may even find the best price on insurance is with a smaller regional carrier.

Insureds leave their current company for a variety of reasons including policy non-renewal, delays in responding to claim requests, extreme rates for teen drivers and even high rates after DUI convictions. It doesn’t matter what your reason, switching insurance companies can be easier than you think.

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