Save on 2014 Volkswagen Eos Car Insurance Rates

When looking for more affordable insurance, are you intimidated by the wide range of auto insurance companies in your area? There are so many companies available that it can quickly become a real hassle to find the best prices.

You need to quote other rates periodically because rates change frequently. If you had the lowest premium rates for Eos insurance two years ago a different company probably has better prices today. Ignore everything you know about auto insurance because you’re about to learn how to use the internet to properly buy coverages and cut your premium.

Get cheap rates with these discounts

Insurance can cost an arm and a leg, but discounts can save money and there are some available to reduce the price significantly. Some discounts will apply at the time of quoting, but less common discounts must be asked for before you get the savings.

• Own a Home and Save – Owning a house can save a few bucks because of the fact that having a home demonstrates responsibility.
• Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up can save a little off the PIP or medical payment premium.
• Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn a discounted car insurance rate on car insurance if you buy life insurance.
• Driver’s Education for Students – Cut your cost by having your teen driver successfully complete driver’s ed class as it can save substantially.
• Good Driver Discounts – Insureds without accidents can save up to 40% or more on their insurance coverage quote for Eos insurance than less cautious drivers.

Just know that most credits do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as medical payments or collision. So even though you would think adding up those discounts means a free policy, nobody gets a free ride.

Popular car insurance companies and some of the premium reductions they offer can be read below.

• Progressive may include discounts for multi-vehicle, online signing, continuous coverage, multi-policy, good student, and online quote discount.
• The Hartford policyholders can earn discounts including good student, bundle, anti-theft, driver training, and air bag.
• Mercury Insurance may have discounts that include annual mileage, ease of repair, low natural disaster claims, accident-free, and good student.
• Geico includes discounts for driver training, air bags, federal employee, good student, and five-year accident-free.
• AAA has discounts for good driver, good student, anti-theft, multi-policy, and AAA membership discount.
• State Farm discounts include student away at school, anti-theft, accident-free, passive restraint, and Steer Clear safe driver discount.

Before buying, ask each insurance company how you can save money. All car insurance discounts may not be available everywhere. If you would like to choose from a list of car insurance companies with significant discounts, click here.

The method we recommend to compare policy rates is to know the fact car insurance companies participate in a system to give you rate quotes. The only thing you need to do is give the companies some data including driver details, if it has an alarm system, how much you drive, and how you use your vehicles. Your information is automatically sent to multiple insurance coverage providers and they return quotes immediately.

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Cut insurance costs with these tips

An important part of buying insurance is that you know the rating factors that play a part in calculating the rates you pay for insurance. If you have some idea of what influences your rates, this allows you to make educated decisions that may result in much lower annual insurance costs.

The itemized list below are some of the factors used by your company to calculate your premiums.

• Discounts for multiple policies – Most major companies allow better rates to insureds that purchase more than one policy in the form of a multi-policy discount. The amount of the discounts can be 10 percent or more. Even if you already get this discount, it’s still a good idea to comparison shop to help ensure you have the lowest rates.There is a chance you can save more without the discount by splitting coverages up.
• Big cities mean more claims – Choosing to live in small towns and rural areas has definite advantages when shopping for auto insurance. Fewer people translates into fewer accidents and a lower car theft rate. City drivers tend to have traffic congestion and more severe claims. More time on the road translates into higher accident risk.
• Having a spouse brings a discount – Getting married can get you a discount on your insurance bill. Having a significant other usually means you are less irresponsible and insurance companies reward insureds because drivers who are married are more cautious.
• Traffic violations hurt – Drivers who don’t get tickets have lower premiums than their less careful counterparts. Having just one moving violation may increase your cost forty percent or more. Drivers who have received multiple violations such as reckless driving or DUI may be required to submit a SR-22 form with their state in order to prevent a license revocation.
• Costs increase with policy add-ons – Insurance policies have a lot of optional add-on coverages that sound like a good idea at the time if you aren’t diligent. Add-on coverages like vanishing deductibles, accident forgiveness, and Farm Bureau memberships could be just wasting money. They may seem like a good idea at first, but now you might not need them so eliminate them to save money.
• Save money with higher deductibles – Physical damage protection, also called comprehensive and collision insurance, covers damage that occurs to your Volkswagen. Some coverage claims are running into the backend of another car, damage from fire, and windstorm damage. Comp and collision deductibles represent how much money you are willing to pay if the claim is covered. The higher the amount the insured has to pay upfront, the lower your rates will be for Eos insurance.

Insurance can be complex

When it comes to buying coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help you determine if your insurance needs may require specific advice.

• Exactly who is provided coverage by my policy?
• What if I don’t agree with a claim settlement offer?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Am I covered when pulling a rental trailer?
• Is my babysitter covered when using my vehicle?
• Does my medical payments coverage pay my health insurance deductible?
• What is medical payments coverage?
• Why am I required to buy liability insurance?
• What can I do if my company won’t pay a claim?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Save 15 percent in 15 minutes? Is it for real?

Insurance companies such as Allstate and Progressive constantly bombard you with ads on TV and radio. All the ads say the same thing about how much you will save if you move to them. How does every company save you money? Here is the trick they use.

Insurance companies quote the lowest rates for a prospective insured that will generate a profit. For example, a driver they prefer could be between the ages of 40 and 55, has never had a claim, and drives a lower-performance vehicle. Anybody that hits that “sweet spot” will get very good premium rates and will probably cut their rates substantially.

People who cannot meet the “perfect” profile will probably be forced to pay higher prices which leads to the driver buying from a lower-cost company. If you listen closely, the ads state “customers who switch” not “all people who quote” save that much when switching. That’s the way companies can make those claims.

This really drives home the point why it is so important to compare free insurance coverage quotes often. Because you cannot predict with any certainty which company will have the best rates.

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The coverage is in the details

Knowing the specifics of a car insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Coverage for collisions

This coverage covers damage to your Eos caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like rolling your car, hitting a parking meter and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

Comprehensive coverage

This coverage covers 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 coverage protects against things like rock chips in glass, a tree branch falling on your vehicle, damage from getting keyed, a broken windshield and falling objects. The most your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical payments coverage and PIP

Med pay and PIP coverage pay for bills like nursing services, funeral costs, prosthetic devices, X-ray expenses and hospital visits. They can be used in conjunction with a health insurance plan or if you do not have health coverage. They cover both the driver and occupants in addition to 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

Liability coverage

Liability coverage protects you from damage that occurs to people or other property. It protects you from claims by other people, and does not provide coverage for 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 means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Alternatively, you may have a combined limit which limits claims to one amount without having the split limit caps.

Liability can pay for things like repair bills for other people’s vehicles, medical expenses and pain and suffering. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Volkswagen Eos.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these coverages do not exceed the liability coverage limits.

Shop. Compare. Save.

You just read some good ideas how you can reduce 2014 Volkswagen Eos insurance prices online. It’s most important to understand that the more rate comparisons you have, the better likelihood of getting the cheapest insurance coverage. Consumers could even find that the most savings is with some of the smallest insurance companies.

As you quote insurance coverage, do not sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced liability limits or collision coverage only to regret they didn’t purchase enough coverage. The ultimate goal is to purchase a proper amount of coverage for the lowest cost, not the least amount of coverage.

Low-cost 2014 Volkswagen Eos insurance is definitely available both online as well as from independent agents, so you should compare both in order to have the best price selection to choose from. Some insurance companies don’t offer online quoting and these regional insurance providers prefer to sell through independent agents.

Additional resources

• Insuring a Leased Car (Insurance Information Insitute)
• Information for Teen Drivers (Geico)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Bodily Injury Coverage (Liberty Mutual)

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