2007 Volkswagen Eos Car Insurance Quotes

Want the cheapest auto insurance rates for your Volkswagen Eos? Comparing and finding cheap premium rates for auto insurance could be quite difficult for beginners to quoting coverage prices online. People have so many choices that it can easily be a big hassle to locate the lowest premium rates.

It’s a good habit to do rate comparisons yearly because auto insurance prices are rarely the same from one policy term to another. Even if you think you had the best deal on Eos coverage last year other companies may now be cheaper. There is a lot of wrong information about auto insurance on the internet, but in just a couple of minutes you can learn some solid techniques on how to find affordable auto insurance.

Low cost auto insurance

When shopping for the cheapest car insurance quotes, there are a couple of ways to obtain and compare prices from lots of auto insurance companies. The quickest method to find competitive 2007 Volkswagen Eos insurance rates is to use the internet to compare rates. This can be done in a couple of different ways.

1. The single most time-saving way consumers can analyze rates is an all-inclusive rate comparison click to view form in new window. This type of form eliminates the need for boring form submissions for every company. One form submission will return quotes from many national carriers. It’s definitely the quickest method.
2. A harder way to get comparison quotes consists of going to each individual company website and fill out their own quote form. For instance, we’ll pretend you want rates from Farmers, Safeco and State Farm. You would need to take the time to go to each site to input your insurance information, which explains why we recommend starting with the first method.

   To view a list of companies in your area, click here.

3. The hardest way of getting rate comparisons is physically going to all the different insurance agencies. Quoting online reduces the need to sit down with an agent unless you require the extra assistance that can only be provided by a licensed insurance agent. Although you can price shop your coverage online but buy the policy through an agent.

Compare rates however you want, just double check that you are using identical information for every company. If you enter different limits and deductibles on each one you can’t possibly make an equal comparison. Slightly different limits can make a big difference in price. Keep in mind that quoting more will improve the odds of getting more affordable rates.

Does car insurance advertising bend the truth?

Car insurance companies such as State Farm and Allstate continually stream television, radio, and online ads. All the ads advertise the message that drivers can save some big amount if you move your policy. How is it plausible that every one can cost less than your current company? This is the way they can do it.

Different companies have a preferred profile for the type of driver that is profitable for them. For instance, a profitable risk profile might have to be over age 30, has no claims, and drives a car with an anti-theft system. Anybody that meets those criteria will get a cheap rate quote and have a good chance to save a lot if they switch.

Potential insureds who don’t measure up to the ideal profile may be forced to pay more expensive rates which leads to business not being written. The ad wording is “customers that switch” but not “everyone who gets a quote” will save that much if they switch. That’s why companies can make those claims. Because each company has a different risk profile, you really need to compare rate quotes every year. It is impossible to guess with any certainty which company will have the lowest rates.

Lower your insurance rates

It’s important that you understand the different types of things that are used to determine insurance rates. If you have a feel for what determines base rates, this enables you to make decisions that can earn you cheaper rates. Lots of factors are taken into consideration when you quote your car insurance policy. Some factors are common sense such as your driving history, but other criteria are less obvious like your continuous coverage or your financial responsibility.

• Safer occupants lowers insurance rates – Vehicles with high crash test scores tend to be cheaper to insure. Safer cars have better occupant injury protection and any reduction in injury severity means less money paid by your insurance company and cheaper rates on your policy.
• High deductibles equal low rates – Comp and collision deductibles are how much you are required to pay if the claim is covered. Physical damage insurance, aka comp and collision, protects your car from damage. Some coverage claims are colliding with a stationary object, animal collisions, or theft of your vehicle. The more expense you’re willing to pay, the better rate you will receive on Eos coverage.
• Big cities mean more claims – Being located in smaller towns and rural areas of the country can save you money when talking about insurance. Less people living in that area means a lower chance of having an accident and a lower car theft rate. Urban drivers have to deal with congested traffic and much longer commute distances. More time behind the wheel statistically corresponds to a higher accident and claim rate.
• Is you employer costing you more? – Did you know that where you work can have an impact on rates? Careers like military personnelpolice officers and stock brokers generally pay higher rates than average attributed to stressful work requirements and extremely grueling work hours. On the flip side, careers such as professors, students and retirees get better rates on Eos coverage.
• Bundle policies and save money – Most major insurers allow discounts to people that purchase more than one policy in the form of a multi-policy discount. Discounts can amount to as much as ten percent or more Even though this discount sounds good, you still need to shop around to help ensure you have the lowest rates.

Use discounts to get cheaper car insurance quotes

Companies don’t always list all possible discounts in a way that’s easy to find, so here is a list both the well known as well as the least known discounts that you can inquire about if you buy car insurance online. If you do not double check each discount possible, you could be paying more than you need to.

• Air Bag Discount – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of 20 to 30 percent.
• Student Discounts – Performing well in school can save 20 to 25%. The good student discount can last up until you turn 25.
• Multi-Vehicle Discounts – Buying insurance for multiple vehicles on one policy can get a discount for every vehicle.
• Safe Drivers – Drivers without accidents may save up to 50% more on Eos coverage than drivers with accident claims.
• Telematics Discount – Drivers who agree to allow driving data submission to monitor where and when they drive by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease as long as they are good drivers.

One last thing about discounts, most of the big mark downs will not be given to the entire cost. Most only reduce the cost of specific coverages such as medical payments or collision. So even though they make it sound like adding up those discounts means a free policy, car insurance companies aren’t that generous.

Companies and some of their more popular discounts are included below.

• State Farm offers premium reductions for defensive driving training, student away at school, multiple policy, Drive Safe & Save, and good driver.
• Esurance includes discounts for safety device, good student, anti-lock brakes, good driver, emergency road assistance, and defensive driver.
• Progressive discounts include online signing, continuous coverage, online quote discount, multi-policy, multi-vehicle, and good student.
• Liberty Mutual has discounts for new move discount, multi-policy, preferred payment discount, hybrid vehicle, and new graduate.
• Auto-Owners Insurance may offer discounts for teen driver, safe vehicle, company car, paid in full, and anti-lock brakes.
• Geico may have discounts that include defensive driver, multi-policy, military active duty, driver training, and five-year accident-free.

If you need lower rates, check with all the companies how many discounts you can get. A few discounts might not apply in your state. If you would like to view companies that provide some of the discounts listed above, click here to view.

Tailor your car insurance coverage to you

When it comes to buying the right insurance coverage, there is no “perfect” insurance plan. Every situation is different.

For instance, these questions might point out if your insurance needs will benefit from professional help.

• Does liability extend to a camper or trailer?
• When does my teenage driver need to be added to my policy?
• Is extra glass coverage worth it?
• How many claims can I have before being cancelled?
• Do I need medical payments coverage since I have good health insurance?
• Does my personal policy cover me when driving out-of-state?
• Is rental equipment covered for theft or damage?
• Is a new car covered when I drive it off the dealer lot?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form.

Detailed coverages of your auto insurance policy

Knowing the specifics of a auto insurance policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Collision – This coverage covers 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 can pay for claims like crashing into a building, damaging your car on a curb, colliding with a tree, colliding with another moving vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

Liability – This protects you from damage or injury you incur to other people or property that is your fault. It protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against things like repair bills for other people’s vehicles, medical expenses and bail bonds. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Protection from uninsured/underinsured drivers – This protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as hail damage, damage from flooding, hitting a bird and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical expense insurance – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for rehabilitation expenses, doctor visits, funeral costs and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Buy online or local, you save

We just covered some good ideas how you can shop for 2007 Volkswagen Eos insurance online. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. Drivers may discover the lowest premium rates come from the smaller companies.

Insureds switch companies for a variety of reasons including policy non-renewal, lack of trust in their agent, being labeled a high risk driver or even an unsatisfactory settlement offer. Whatever your reason, choosing a new company can be easy and end up saving you some money.

As you shop your coverage around, it’s very important that you do not skimp on critical coverages to save a buck or two. Too many times, someone sacrificed liability coverage limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. The goal is to buy enough coverage at the best possible price, but do not sacrifice coverage to save money.

For more information, take a look at the following helpful articles:

• State Car Insurance Guides (Geico)
• Auto Insurance Basics (Insurance Information Insitute)
• Get the Right Protection (InsureUonline.org)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)