Compare 2007 Volkswagen Eos Car Insurance Rates

Searching for lower car insurance rates for your Volkswagen Eos? Feeling guilty for buying an underperforming, overpriced car insurance policy? Believe me when I say there are many consumers feeling the pinch from expensive car insurance. Big-name insurance companies like Allstate and Progressive continually bombard you with ads and it is challenging if not impossible to separate fact from fiction and find the best price available.

Consumers should take time to compare rates every six months due to the fact that insurance prices change regularly. Even if you got the lowest price on Eos insurance a few years ago you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because you’re going to learn the best methods to properly buy coverages and cut your premium.

If you have a policy now or are looking for a new policy, you can use these tips to reduce the price you pay while maximizing coverage. Finding the best rates is quite easy. Consumers only need to know the proper methods to shop online.

Get lower-cost insurance rates by understanding these factors

Lots of factors are considered when premium rates are determined. Some are pretty understandable like your driving record, but others are not as apparent such as whether you are married or your financial responsibility.

• Does your occupation raise your prices? – Occupations like fire fighterspolice officers and financial analysts generally pay higher rates than the rest of us because of stressful work requirements and lots of time spent away from family. Conversely, occupations like farmers, athletes and performers have lower than average premiums on Eos insurance.
• Gender matters – Statistics show women tend to be less risk to insure than men. However, this does not mean men are WORSE drivers than women. Females and males tend to get into accidents at a similar rate, but men cause more damage. Not only are claims higher, but men receive more major tickets such as driving while intoxicated (DWI) or driving recklessly. Young males generally have the highest accident percentage and therefore are the most expensive to insure.
• Low credit rating equals high rates – Credit score can be a huge factor in your rate calculation. If your credit is lower than you’d like, you could save money insuring your 2007 Volkswagen Eos by improving your credit score. Drivers who have excellent credit tend to be less risk to insure than drivers with lower credit scores.
• Avoid policy lapses – Driving your car without having proper coverage is against the law and companies may charge more for letting your insurance coverage expire. In addition to paying higher rates, being ticketed for driving with no insurance might get you fines and jail time. You may then have to provide proof of insurance in the form of an SR-22 filing with your state DMV.
• Lower rates for married couples – Having a wife or husband may earn you lower rates on your insurance coverage policy. It generally demonstrates drivers are more mature and responsible and statistics prove married couples file fewer claims.
• You may save more by consolidating policies – Most insurance coverage companies give discounts to clients who buy several policies from them, otherwise known as a multi-policy discount. Even with this discount applied, consumers should still compare rates to make sure you are getting the best deal.
• Insurance is expensive for younger drivers – Older insureds are viewed as being more responsible, cost insurance companies less in claims , and usually have better credit.Youthful drivers are statistically shown to be more careless when behind the wheel so insurance coverage rates are higher.
• Rates increase with driving citations – Only having one moving violation can increase the cost of insurance forty percent or more. Careful drivers get better prices compared to bad drivers. Drivers who get careless citations like DWI, reckless driving or hit and run convictions are required to maintain a SR-22 to the state department of motor vehicles in order to prevent their license from being revoked.

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More discounts mean cheap premiums

Properly insuring your vehicles can get expensive, but you might find some hidden discounts to help offset the cost. Many of these discounts will be applied automatically when you quote, but lesser-known reductions have to be inquired about before they will apply.

• Anti-lock Brakes – Vehicles with ABS braking systems or traction control are safer to drive and the ABS can save up to 10%.
• Telematics Data Discounts – People who choose to allow their insurance company to study where and when they drive by using a telematics device in their vehicle like Allstate’s Drivewise may see discounts if they exhibit good driving behavior.
• Military Rewards – Being deployed with a military unit may qualify for rate reductions.
• Driver Training Discounts – Completing a defensive driving course could cut 5% off your bill depending on where you live.
• Anti-theft System – Cars and trucks that have factory anti-theft systems prevent vehicle theft and can earn a small discount on your policy.

One last thing about discounts, most of the big mark downs will not be given to the entire cost. Most only reduce individual premiums such as comprehensive or collision. So even though they make it sound like it’s possible to get free car insurance, it doesn’t quite work that way. Any amount of discount will help reduce the amount you have to pay.

Some companies who might offer some of the above discounts include:

• Geico
• Auto-Owners Insurance
• American Family
• Esurance
• Progressive
• State Farm
• AAA

When getting a coverage quote, ask every insurance company which discounts can lower your rates. Some credits might not be offered in your area. To see a list of companies that provide some of the discounts listed above, click here.

It’s not one size fits all

When it comes to buying the right insurance coverage, there really is no cookie cutter policy. Every situation is different so this has to be addressed. For instance, these questions could help you determine whether you may require specific advice.

• When should I not file a claim?
• What is the rate difference between pleasure use and commuting?
• Is my business laptop covered if it gets stolen from my vehicle?
• Who is covered by my policy?
• Is my babysitter covered when using my vehicle?
• Does insurance cover damages from a DUI accident?
• What is PIP insurance?
• Is motorclub coverage worth it?
• What happens if I owe more than my 2007 Volkswagen Eos is worth?

If you can’t answer these questions, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

The coverage is in the details

Learning about specific coverages of a car insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverage types found on the average car insurance policy.

Comprehensive coverage – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as fire damage, a tree branch falling on your vehicle and rock chips in glass. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage – This coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as colliding with another moving vehicle, crashing into a building, hitting a parking meter, sustaining damage from a pot hole and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Liability – Liability coverage can cover damages or injuries you inflict on people or other property in an accident. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims such as repair costs for stationary objects, medical expenses, funeral expenses, court costs and structural damage. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance provide coverage for bills for doctor visits, pain medications and surgery. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

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Pennies from heaven

Cost effective 2007 Volkswagen Eos insurance is attainable online as well as from independent agents, and you need to price shop both to have the best rate selection. Some insurance coverage companies do not provide the ability to get quotes online and many times these smaller providers only sell through independent agencies.

As you shop your coverage around, it’s not a good idea to sacrifice coverage to reduce premiums. Too many times, an insured cut physical damage coverage only to regret at claim time that the savings was not a smart move. The aim is to purchase a proper amount of coverage for the lowest price, but do not sacrifice coverage to save money.

More information is available at the links below

• Property Damage Coverage (Liberty Mutual)
• Alcohol Impaired Driving FAQ (iihs.org)
• Help Your Teen Be a Better Driver (State Farm)
• What is Gap Insurance? (Insurance Information Insitute)

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