2011 Volkswagen Eos Insurance Quotes – 8 Policy Discounts

Overwhelmed by the crazy number of auto insurance companies in your area? There are so many companies available that it can be more work than you anticipated to find the perfect company for you.

Smart consumers take time to check auto insurance prices once or twice a year because auto insurance prices are constantly changing. Even if you got the best price on Eos coverage a year ago other companies may now be cheaper. You can search a lot of auto insurance online, but in a few minutes you can learn some proven techniques to put money back in your pocket.

Buying cheaper protection can be fairly easy. Essentially anyone who carries insurance coverage stands a good chance to be able to cut their insurance bill. Nevertheless, consumers must know how insurance companies determine prices and apply this information to your search.

You may qualify for discounts

Companies offering auto insurance don’t necessarily list every discount they offer in a way that’s easy to find, so the list below gives a summary of both well-publicized and also the lesser-known savings tricks you should be using when you buy insurance online.

• Seat Belt Discounts – Buckling up and requiring all passengers to fasten their seat belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
• Homeowners Pay Less – Just owning your own home can help you save on auto insurance since home ownership means you have a higher level of financial diligence.
• Theft Prevention Discount – Cars and trucks equipped with anti-theft or alarm systems have a lower chance of being stolen and will qualify for a discount on a insurance quote.
• Full Payment Discount – If you can afford to pay the entire bill instead of paying each month you could save 5% or more.
• Driver Safety – Successfully completing a course in defensive driving may get you a small discount and easily recoup the cost of the course.
• Data Collection Discounts – Drivers who agree to allow data collection to monitor their driving habits through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates if they exhibit good driving behavior.
• 55 and Retired – If you’re over the age of 55, you may qualify for a small discount on rates on Eos coverage.
• ABS Braking Discount – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.

Just know that most discount credits are not given to the overall cost of the policy. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though you would think all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

Larger auto insurance companies and some of their more popular discounts can be read below.

• Geico may have discounts that include military active duty, daytime running lights, membership and employees, driver training, good student, and seat belt use.
• MetLife may include discounts for good driver, accident-free, defensive driver, multi-policy, and claim-free.
• State Farm offers discounts for accident-free, driver’s education, multiple policy, Drive Safe & Save, student away at school, passive restraint, and multiple autos.
• Progressive includes discounts for homeowner, good student, continuous coverage, multi-policy, online signing, online quote discount, and multi-vehicle.
• Mercury Insurance has savings for professional/association, low natural disaster claims, type of vehicle, annual mileage, and multi-car.
• 21st Century has discounts for good student, student driver, defensive driver, teen driver, and 55 and older.
• Allstate offers discounts including utility vehicle, premier discount, eSmart discount, senior citizen, and new car.

It’s a good idea to ask each insurance company which discounts they offer. Some credits might not apply in your state. To find companies offering auto insurance discounts, click here to view.

There’s no such thing as the perfect insurance coverage policy

When buying proper insurance coverage, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s.

For instance, these questions might point out whether you might need professional guidance.

• Can I get a multi-policy discount?
• Does coverage extend to Mexico or Canada?
• Are rock chip repairs covered?
• Am I covered if hit by an uninsured driver?
• How does medical payments coverage work?
• Does my 2011 Volkswagen Eos qualify for pleasure use?
• Is my camper covered by my car insurance policy?
• Is my vehicle covered by my employer’s policy when using it for work?
• Do I have any recourse if my insurance company denies a claim?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form.

Auto insurance policy coverages for a Volkswagen Eos

Knowing the specifics of auto insurance aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your 2011 Volkswagen Eos.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these limits are similar to your liability insurance amounts.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for bills like doctor visits, ambulance fees and rehabilitation expenses. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Collision – This coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as hitting a parking meter, scraping a guard rail and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Liability auto insurance – Liability coverage provides protection from injuries or damage you cause to other’s property or people. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like medical expenses, repair bills for other people’s vehicles and medical services. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Comprehensive coverage (or Other than Collision) – This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hail damage, hitting a deer, vandalism, hitting a bird and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Don’t break the bank

We’ve covered some good ideas how you can get a better price on 2011 Volkswagen Eos insurance. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding cheaper insurance. Consumers could even find that the lowest priced insurance comes from a company that doesn’t do a lot of advertising.

As you quote insurance, do not sacrifice coverage to reduce premiums. There are a lot of situations where an insured dropped full coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The aim is to purchase a proper amount of coverage at the best cost, but don’t skip important coverages to save money.

Insureds who switch companies do it for a number of reasons such as lack of trust in their agent, an unsatisfactory settlement offer, delays in paying claims or even unfair underwriting practices. Regardless of your reason for switching companies, finding a new company is pretty simple and you could end up saving a buck or two.

To read more, feel free to visit the following helpful articles:

• Avoiding Deer Collisions (Insurance Information Insitute)
• Tread Depth and Tire Safety (State Farm)
• A Tree Fell on Your Car: Now What? (Allstate)
• Frontal Crash Tests (iihs.org)
• Liability Insurance Coverage (Nationwide)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)