View 2009 Volkswagen Eos Insurance Cost

Paying for high-priced Volkswagen Eos insurance can sap your checking account and require stricter spending habits. Getting a rate comparison is recommended to slash your bill and have more diposable income.

There are many car insurance companies to choose from, and although it’s nice to be able to choose, having more insurers makes it harder to find the lowest cost provider.

It’s a good idea to get comparison quotes once or twice a year since insurance prices are usually higher with each renewal. Despite the fact that you may have had the best deal for Eos coverage two years ago you can probably find a better premium rate now. Ignore everything you know about insurance because we’re going to show you the quickest way to properly buy coverages and cut your premium.

This information will help you learn how to effectively get price quotes and some tricks to saving. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using this information. Although vehicle owners should learn the methods companies use to market on the web and take advantage of how the system works.

Lower your insurance premiums

Lots of factors are used when quoting car insurance. Some factors are common sense like your driving record, although others are less obvious like your continuous coverage or how safe your car is.

  • Bad credit will cost you – Your credit rating is likely to be a major factor in calculating your insurance coverage rates. So if your credit rating is not that good, you may save money insuring your 2009 Volkswagen Eos if you improve your credit rating. Insureds that have good credit tend to be more responsible than those with poor credit scores.
  • Vehicles with better crash test results cost less to insure – Safer cars are cheaper to insure. Highly rated vehicles have better occupant injury protection and fewer serious injuries translates directly to fewer claims and lower rates for you.
  • Alarm systems systems cut prices – Purchasing a vehicle that has a built-in theft deterrent system can save you some money. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent vehicle theft.
  • Proper usage rating affects prices – The more you drive your Volkswagen every year the more it will cost to insure it. Most companies charge to insure your cars based upon how the vehicle is primarily used. Autos that are left in the garage receive lower rates than vehicles that have high annual mileage. It’s a smart idea to ensure your policy shows the correct usage. An improperly rated Eos may be costing you higher rates.

Pay discount rates these discounts

Insurance can be pricey, but companies offer discounts that you may not even know about. Some discounts apply automatically at the time you complete a quote, but a few must be inquired about prior to getting the savings. If you’re not getting every credit you deserve, you could be getting lower rates.

  • Sign Online – Many insurance companies give back up to $50 get car insurance over the internet.
  • Air Bags and Passive Restraints – Factory air bags or automatic seat belts can get savings of 20% or more.
  • Defensive Driver Discounts – Successfully completing a course that instructs on driving safety could possibly earn you a 5% discount if you qualify.
  • Payment Method – By paying your entire bill at once rather than paying monthly you may reduce your total bill.
  • Telematics Devices – Insureds that choose to allow driving data submission to track driving patterns by using a telematics device in their vehicle like Allstate’s Drivewise could save a few bucks as long as the data is positive.
  • Anti-lock Brake System – Cars and trucks with ABS braking systems or traction control have fewer accidents so companies give up to a 10% discount.

We need to note that most discounts do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as liability and collision coverage. Despite the appearance that all the discounts add up to a free policy, it’s just not the way it works.

A list of companies and a partial list of their discounts are included below.

  • 21st Century may include discounts for teen driver, student driver, theft prevention, early bird, homeowners, 55 and older, and air bags.
  • Progressive policyholders can earn discounts including online signing, multi-policy, multi-vehicle, homeowner, and continuous coverage.
  • State Farm discounts include Drive Safe & Save, driver’s education, multiple autos, student away at school, and accident-free.
  • Nationwide may have discounts that include family plan, multi-policy, Farm Bureau membership, business or organization, defensive driving, easy pay, and accident-free.
  • Esurance may offer discounts for renters, claim free, anti-theft, multi-policy, online quote, emergency road assistance, and safety device.
  • The Hartford offers premium reductions for defensive driver, driver training, good student, air bag, anti-theft, and vehicle fuel type.

Before you buy a policy, ask every company to give you their best rates. Savings may not apply in your area.

Well known brands might not be cheapest

Big name companies like State Farm, GEICO and Progressive consistently run television, radio, and online ads. All the companies have a common claim that drivers will save a bundle if you switch to their company. How can each company make almost identical claims? Just pay attention to how they say it.

Many companies provide the lowest rates for the driver that will add to their bottom line. For example, a driver they prefer may be between the ages of 30 and 50, owns a home, and drives a vehicle with a low ISO rating. A driver who matches that profile will probably get cheap rates and will most likely save a lot of money.

Potential customers who cannot meet those standards will see more expensive rates which translates to the customer not purchasing. Company advertisements say “drivers who switch” but not “everyone who gets a quote” save money. That’s the way insurance companies can confidently make claims that they all have the best rates.

This really illustrates why you need to compare price quotes frequently. It’s not possible to predict which company will have better prices than you’re paying now.

Special considerations

When choosing proper insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions could help you determine if you would benefit from professional advice.

  • Do I have coverage when pulling a U-Haul trailer?
  • When would I need rental car insurance?
  • Is my nanny covered when driving my vehicle?
  • Am I covered by my spouse’s policy after a separation?
  • When should my teen driver be added to my policy?
  • Should I bundle my homeowners policy with my auto?
  • Am I covered if I wreck a rental car?
  • If I drive on a suspended license am I covered?
  • Am I covered if my car is in a flood?
  • Do I need roadside assistance coverage?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Specific coverage details

Having a good grasp of your insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Shown next are typical coverage types available from insurance companies.

Liability auto insurance – This will cover damages or injuries you inflict on other’s property or people that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers things such as repair bills for other people’s vehicles, pain and suffering and medical expenses. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Comprehensive insurance – This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hitting a bird, rock chips in glass and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverages – Collision coverage will pay to fix damage to your Eos resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like scraping a guard rail, sideswiping another vehicle, driving through your garage door, backing into a parked car and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your 2009 Volkswagen Eos.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage kick in for bills for things like funeral costs, EMT expenses, hospital visits, X-ray expenses and doctor visits. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Be a smart shopper

In this article, we covered a lot of techniques to lower your 2009 Volkswagen Eos insurance prices. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding low cost car insurance. You may even discover the biggest savings come from a lesser-known regional company. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as Progressive or GEICO.

Low-cost 2009 Volkswagen Eos insurance can be sourced on the web and also from your neighborhood agents, so you should be comparing quotes from both to have the best chance of lowering rates. A few companies don’t offer internet price quotes and these smaller companies only sell coverage through local independent agents.

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Comments About 2009 Volkswagen Eos Insurance

  1. Sharyl Jones

    Nice post. I’m in the south part of Kansas City, MO. Quoted rates from Progressive, Eastwood, and Hartford for my 2009 Volkswagen Eos and saved $485 a year. Ask about discounts.

  2. Lawrence Curtis

    Where can I find cheaper car insurance in Springfield, Massachusetts?

  3. Lecia Moses

    Got a quote with Hartford for my 2009 Volkswagen Eos and saved about $90 a year. Still almost need a second mortgage.

  4. Belia Rosa

    Proud to be from Philadelphia, Pennsylvania. Received rates from Nationwide, Encompass, Allstate, and Amica for my 2009 Volkswagen Eos and I think I am saving around $20 each month. Insured with Mercury before. I got a quote from their website.

  5. Vannessa Evans

    Will Allstate rates go up if I file a claim?

  6. Sharmaine Simon

    I’m from Providence, Rhode Island. I got free quotes from AIG Insurance, MetLife, and a few others for my Volkswagen and saved just over $510 a year.

  7. Michale Morales

    I live just outside Detroit, MI. Got prices from 21st Century, Hanover, and Erie for my 2009 Volkswagen Eos and I think I saved about $20 each month. Left Allstate to switch. Switched homeowners coverage too.

  8. Florentino Beach

    In Billings, MT try Allstate or GEICO. Both had decent prices.

  9. Colin Nieves

    Here’s my quote info. I live just to the north of Boston, Massachusetts. I quoted with USAA, Amica, Liberty Mutual, and Sentry for my Eos and I think I cut my rates about $50 each month.

  10. Thresa Davis

    I’ve bought from 21st Century forever. Cheapest rates in Warwick, RI.

  11. Natacha Lamb

    I got quite a few price quotes for a 2009 Volkswagen Eos in Tampa, FL. Ended up at darn near $390 every six months with American Family. Was with GMAC. I think they have home insurance too.

  12. Trina Pollard

    Cheap is relative. I live on the south side of Portland, Maine. Got quotes with Progressive, American Family, and some I forget for my Eos and saved $305 a year.

  13. Jeremy Ewing

    From Eugene, Oregon. Can’t remember who all I quoted but I ended up saving about $60 each month. Might find lower rates online.

  14. Janna Soto

    Live in the eastern part of Kailua, HI. Don’t remember every company but I ended up saving about $30 each month. Even increased my liability limits. Online quotes are the way to go.