2013 Volkswagen Eos Insurance Rates

Want cheaper car insurance rates for your Volkswagen Eos? No one likes paying for car insurance, especially knowing they are paying too much.

Multiple auto insurance companies compete to insure your vehicles, so it can be very hard to choose a provider to find the best price available.

It’s smart to get comparison quotes quite often because rates are variable and change quite frequently. Even if you think you had the best price for Eos coverage a year ago you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because you’re about to find out one of the quickest ways to buy cheaper car insurance.

Vehicle Insurance Comparison

Effectively comparing car insurance prices can be challenging if you don’t understand the easiest way. You can spend your afternoon talking to insurance agencies in your area, or you could save time and use the internet for quick rates.

Many companies belong to an insurance system that allows shoppers to submit their information once, and each company provides a quote for coverage. This prevents consumers from doing quote requests to each individual car insurance company.

To submit your quote information now, click to open in new window.

One minor caviat to getting quotes like this is you don’t know exactly which providers you will receive quotes from. So if you want to choose specific providers to compare prices, we put together a list of low cost car insurance companies in your area. Click here to view list.

Which method you use is up to you, but make absolute certain that you use exactly the same coverages and limits on every quote you get. If your comparisons have differing limits it will be next to impossible to determine the lowest rate for your Volkswagen Eos. Quoting even small variations in coverage limits may cause a big price difference. Just remember that obtaining a wide range of quotes gives you a better chance of getting the best price.

Don’t miss these discounts

Auto insurance companies don’t list all available discounts in a way that’s easy to find, so here is a list both well-publicized and also the lesser-known savings tricks you should be using.

  • Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
  • No Accidents – Drivers with accident-free driving histories can earn big discounts when compared with bad drivers.
  • Drivers Education – Require your teen driver to enroll in driver’s education if offered at their school.
  • Safety Course Discount – Taking a driver safety course can save you 5% or more depending on where you live.
  • Seat Belts Save more than Lives – Requiring all passengers to use a seat belt can save up to 15% off the personal injury premium cost.

Keep in mind that some credits don’t apply to all coverage premiums. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So when the math indicates all those discounts means the company will pay you, it just doesn’t work that way.

Companies who might offer some of the above discounts are:

Before buying, ask all companies you are considering which discounts you may be entitled to. Savings may not apply everywhere.

When might I need help?

When it comes to buying adequate coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions can aid in determining if your situation might need professional guidance.

  • I have health insurance so do I need medical payments coverage?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • When does my teenage driver need to be added to my policy?
  • Do I need added coverage for expensive stereo equipment?
  • Why does it cost so much to insure a teen driver?
  • Which is better, split liability limits or combined limits?
  • When would I need rental car insurance?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Auto insurance coverage specifics

Knowing the specifics of auto insurance can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. These are typical coverages available from auto insurance companies.

Auto liability – This coverage can cover damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability can pay for things such as repair bills for other people’s vehicles, medical expenses, emergency aid, medical services and pain and suffering. How much coverage you buy is up to you, but you should buy as large an amount as possible.

Medical costs insurance – Med pay and PIP coverage provide coverage for short-term medical expenses like surgery, ambulance fees, hospital visits and pain medications. They are utilized in addition to your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Volkswagen Eos.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive or Other Than Collision – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as damage from flooding, hail damage and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverages – This coverage pays for damage to your Eos resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as backing into a parked car, driving through your garage door and hitting a parking meter. 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. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Don’t throw your cash in the trash

We covered many tips how you can get a better price on 2013 Volkswagen Eos insurance. The key thing to remember is the more rate comparisons you have, the better your comparison will be. Consumers may even find the best prices are with the least-expected company. Regional companies may cover specific market segments cheaper as compared to the big name companies such as Progressive and GEICO.

Cheap insurance is definitely available both online as well as from independent agents, so compare prices from both in order to have the best price selection to choose from. Some companies don’t offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.

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