2015 Volkswagen Eos Insurance Rates

Are you sick and tired of trying to scrape together enough money to insure your Volkswagen every month? You are no different than millions of other consumers. Companies like State Farm, Farmers Insurance, Geico and Allstate constantly bombard you with ads and it is challenging if not impossible to see past the geckos and flying pigs and find the best price available.

If you have a policy now or need a new policy, you will benefit by learning to find better prices and possibly find even better coverage. Finding affordable coverage is quite easy. Drivers just need to know the proper methods to shop their coverage around over the internet.

Discounts are available to cut your rates

Insurance can cost an arm and a leg, but you can get discounts to help bring down the price. Larger premium reductions will be automatically applied when you get a quote, but a few must be inquired about prior to receiving the credit. If they aren’t giving you every credit you deserve, you are throwing money away.

  • E-sign – A few companies give back up to $50 for buying your policy online.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
  • Good Student Discount – This discount can save 20 to 25%. This discount can apply well after school through age 25.
  • Life Insurance Discount – Larger companies have a break if you buy life insurance from them.
  • Military Rewards – Being on active duty in the military could be rewarded with lower premiums.
  • New Vehicle Savings – Insuring a new car can be considerably cheaper since new cars are generally safer.
  • Theft Prevention Discount – Vehicles with anti-theft systems help deter theft and will save you 10% or more.
  • Claim Free – Drivers with accident-free driving histories can save substantially when compared with accident-prone drivers.
  • No Charge for an Accident – A handful of insurance companies will forgive one accident before raising your premiums as long as you don’t have any claims prior to the accident.

It’s important to understand that some credits don’t apply to your bottom line cost. Some only reduce the price of certain insurance coverages like comp or med pay. So when the math indicates you can get free auto insurance, companies wouldn’t make money that way. Any amount of discount will help reduce your overall premium however.

For a list of providers offering auto insurance discounts, click here to view.

Why your Volkswagen Eos insurance rates may be high

Consumers need to have an understanding of the factors that help determine the rates you pay for auto insurance. Having a good understanding of what impacts premium levels helps enable you to make changes that will entitle you to big savings.

  • Where you reside plays a part – Choosing to live in small towns and rural areas has it’s advantages when buying auto insurance. City drivers tend to have congested traffic and longer commutes to work. Fewer people translates into fewer accidents.
  • Too many auto insurance claims drive up costs – Auto insurance companies give discounts to drivers who are claim-free. If you frequently file small claims, you can look forward to higher rates. Car insurance is designed for major claims that would cause financial hardship.
  • Drive less and save money – The higher the mileage driven in a year the higher your rate. Most insurance companies charge to insure your cars based on their usage. Cars and trucks not used for work or commuting qualify for better rates than vehicles that are driven to work every day. Ask your agent if your auto insurance declarations sheet is showing the correct usage for each vehicle. If your policy improperly rates your Eos may be costing you.
  • Better crash test results mean better rates – Safer cars are cheaper to insure. These vehicles have better occupant injury protection and any reduction in injury severity means lower claim amounts and lower rates for you. If the Volkswagen Eos scored better than four stars on Safercar.gov you are probably receiving a discount.

Everyone needs different coverages

When choosing coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is a little different so this has to be addressed. These are some specific questions may help you determine whether you might need professional guidance.

  • Is there coverage for injuries to my pets?
  • Does coverage extend to a rental car in a foreign country?
  • Am I covered when driving a rental car?
  • What vehicles should carry emergency assistance coverage?
  • Can I get a multi-policy discount?
  • Am I covered when driving in Canada or Mexico?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Specific coverages for a 2015 Volkswagen Eos

Knowing the specifics of your insurance policy can be of help when determining the right coverages and proper limits and deductibles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverages found on most insurance policies.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for bills such as X-ray expenses, ambulance fees and hospital visits. They can be used to fill the gap from your health insurance program or if you do not have health coverage. It covers you and your occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Comprehensive or Other Than Collision

This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like a broken windshield, damage from flooding and fire damage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

UM/UIM Coverage

This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Normally these coverages are identical to your policy’s liability coverage.

Auto liability

This coverage provides protection from damage that occurs to other people or property that is your fault. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like medical expenses, legal defense fees, funeral expenses, attorney fees and structural damage. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Auto collision coverage

Collision insurance pays for damage to your Eos from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for things like sideswiping another vehicle, backing into a parked car, crashing into a building and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Money doesn’t grow on trees

Low-cost 2015 Volkswagen Eos insurance is attainable online and with local insurance agents, so you should compare both to get a complete price analysis. A few companies do not offer the ability to get a quote online and these small insurance companies work with independent agents.

We just presented many ideas to save on insurance. The key thing to remember is the more you quote, the better chance you’ll have of finding lower rates. Consumers may even find the biggest savings come from an unexpected company. Some small companies may have significantly lower rates on certain market segments than the large multi-state companies such as Allstate and Progressive.

When you buy insurance online, you should never buy poor coverage just to save money. There have been many situations where consumers will sacrifice liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. The proper strategy is to buy a smart amount of coverage at the best price while not skimping on critical coverages.

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