2013 Volkswagen Eos Car Insurance Rates – 9 Tips to Save

Comparing insurance coverage quotes online probably sounds like a formidable task if you are like the majority of consumers and have never used quote comparisons online. But relax because using the internet to shop for insurance is actually quite easy.

Consumers need to compare premium rates quite often due to the fact that insurance rates fluctuate regularly. If you had the lowest premium rates for Eos coverage at your last renewal there may be better deals available now. Forget anything you know (or think you know) about insurance because we’re going to show you the things you must know in order to find lower rates on insurance.

Use discounts on insurance

Insurance is not an enjoyable expense, but you may be missing some discounts that you may not know about. Many discounts should be triggered when you complete an application, but some may not be applied and must be asked for before being credited.

• ABS and Traction Control Discounts – Vehicles that have anti-lock braking systems are much safer to drive and earn discounts up to 10%.
• Drivers Education – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education if offered at their school.
• Good Student Discount – Being a good student can save 20 to 25%. Many companies even apply the discount to college students up to age 25.
• Theft Prevention Discount – Cars with anti-theft systems are less likely to be stolen so companies will give you a small discount.
• Safe Driver Discount – Drivers who avoid accidents could pay up to 40% less for Eos coverage than drivers with accident claims.
• Military Discounts – Being deployed in the military could mean lower premium rates.
• Discounts for Seat Belt Usage – Buckling up and requiring all passengers to buckle up before driving could save 15% on medical payment and PIP coverage.
• Save with More Vehicles Insured – Insuring multiple vehicles with the same company can reduce the rates for all insured vehicles.
• Home Ownership Discount – Owning a home can save you money since home ownership means you have a higher level of financial diligence.

A little disclaimer on discounts, some credits don’t apply to all coverage premiums. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Despite the fact that it seems like adding up those discounts means a free policy, that’s just not realistic.

Popular insurance companies and a partial list of their discounts can be read below.

• State Farm has savings for passive restraint, Drive Safe & Save, defensive driving training, multiple autos, multiple policy, and accident-free.
• Progressive policyholders can earn discounts including continuous coverage, good student, online signing, online quote discount, multi-vehicle, and homeowner.
• Progressive offers discounts including continuous coverage, multi-policy, homeowner, good student, and multi-vehicle.
• MetLife may have discounts that include multi-policy, claim-free, good student, good driver, defensive driver, and accident-free.
• Farm Bureau discounts include youthful driver, good student, driver training, multi-policy, and renewal discount.
• Geico has discounts for multi-policy, military active duty, air bags, anti-theft, federal employee, and emergency military deployment.
• SAFECO offers discounts for drive less, bundle discounts, teen safe driver, multi-car, teen safety rewards, and homeowner.

If you need lower rates, check with each company which discounts you qualify for. Depending on the company, some discounts may not apply to policies in your area. If you would like to choose from a list of insurance companies that offer multiple discounts, follow this link.

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Does insurance coverage advertising bend the truth?

Insurance coverage companies such as Allstate and Progressive seem to constantly run television and radio advertisements. They all say the same thing that drivers will save a bundle just by switching your insurance coverage coverage to their company. How is it plausible that every one can give you a better price? This is the way they can do it.

Insurance companies have underwriting criteria for the right customer that will be a good risk. A good example of a profitable insured could be married and over the age of 30, has no prior claims, and drives less than 5,000 miles a year. Anybody that matches those criteria may get the lowest car insurance rates and will most likely save if they switch.

Consumers who don’t qualify for these standards may receive a higher rate and ends up with the customer not purchasing. The ad wording is “customers that switch” not “all people who quote” save that much. This is how insurance companies can confidently make those statements. This illustrates why you really need to get as many free insurance coverage quotes as possible. It is impossible to predict the company that will give you lower premium rates than your current company.

Tailor your car insurance coverage to you

When buying the right insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Every situation is different.

For example, these questions may help highlight if you would benefit from professional advice.

• What is the difference between comprehensive and collision coverage?
• What happens if I owe more than my 2013 Volkswagen Eos is worth?
• Does my medical payments coverage pay my health insurance deductible?
• Do I need medical payments coverage since I have good health insurance?
• Should I buy full coverage?
• Can I rent a car in Mexico?
• Do I have coverage for damage caused while driving under the influence?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Do I have coverage when pulling a U-Haul trailer?
• Is my teen driver covered when they drive my company car?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form.

Auto insurance coverage considerations

Understanding the coverages of your policy helps when choosing the best coverages for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like hail damage, a tree branch falling on your vehicle, theft and a broken windshield. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for collisions

This covers damage to your Eos resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like colliding with a tree, scraping a guard rail, hitting a parking meter, backing into a parked car and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Liability

This provides protection from damage or injury you incur to other’s property or people. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage pays for claims like attorney fees, legal defense fees, medical services, structural damage 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 large an amount as possible.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and also any damage incurred to your Volkswagen Eos.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for expenses for nursing services, surgery, chiropractic care, X-ray expenses and rehabilitation expenses. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Spend less. Save more.

Drivers who switch companies do it for many reasons like poor customer service, lack of trust in their agent, unfair underwriting practices and even high prices. Whatever your reason, choosing a new company can be less work than you think.

We covered some good ideas how to reduce 2013 Volkswagen Eos insurance car insurance rates online. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. Consumers could even find that the best car insurance rates are with the least-expected company.

As you shop your coverage around, never buy poor coverage just to save money. Too many times, an insured cut full coverage only to regret that saving that couple of dollars actually costed them tens of thousands. The goal is to buy a smart amount of coverage at an affordable rate, but don’t skip important coverages to save money.

More resources

• Older Driver Statistics (Insurance Information Insitute)
• Neck Injury FAQ (iihs.org)
• Understanding your Policy (NAIC.org)
• Distracted Driving Statistics (Insurance Information Insitute)

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