How Much Does 2013 Volkswagen Eos Car Insurance Cost?

Searching for cheaper car insurance rates for your Volkswagen Eos? No normal person is fond of buying car insurance, especially when the prices are way too high. Companies like Allstate and Progressive continually hit you with ads and it is difficult to see past the corporate glitz and find the best price available.

Pay discount rates these discounts

Companies don’t always advertise every discount they offer in a way that’s easy to find, so we break down some of the more common and the more hidden discounts that you may qualify for.

• No Charge for an Accident – This one isn’t a discount, but some companies like Liberty Mutual, Allstate and State Farm will forgive one accident before they charge you more for coverage if you have no claims prior to the accident.
• Pay Early and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may have a lower total premium amount.
• Senior Discount – If you qualify as a senior citizen, you can possibly qualify for reduced rates for Eos coverage.
• Homeowners Savings – Owning a house may earn you a small savings since owning and maintaining a home is proof that your finances are in order.
• Anti-theft Discount – Vehicles that have factory anti-theft systems are stolen with less frequency and will save you 10% or more.

It’s important to note that most of the big mark downs will not be given to the entire cost. Most only reduce the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, you aren’t that lucky.

The best insurance coverage companies and their possible discounts are included below.

• State Farm discounts include defensive driving training, passive restraint, safe vehicle, good driver, Drive Safe & Save, student away at school, and anti-theft.
• Nationwide offers premium reductions for accident-free, anti-theft, defensive driving, family plan, and multi-policy.
• Geico has discounts for defensive driver, five-year accident-free, membership and employees, military active duty, and seat belt use.
• AAA has savings for pay-in-full, good driver, anti-theft, AAA membership discount, good student, education and occupation, and multi-policy.
• 21st Century offers discounts including early bird, 55 and older, homeowners, student driver, theft prevention, driver training, and teen driver.
• The Hartford offers discounts for driver training, defensive driver, vehicle fuel type, good student, bundle, and anti-theft.

Before you buy a policy, ask every company to apply every possible discount. Some of the earlier mentioned discounts might not be available to policyholders in your area. To choose companies that offer the discounts shown above, click here.

The method we recommend to compare rates is to know the fact all the major auto insurance companies participate in online systems to provide you with a free rate quote. All you need to do is provide a small amount of information such as your general credit rating, if you lease or own, if you are currently licensed, and how your vehicles are used. That rating data is sent automatically to many of the top insurers and you get price estimates within a short period of time.

Special considerations

When it comes to buying proper insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions can help discover if you would benefit from professional advice.

• Do I have coverage when using my vehicle for my home business?
• Is my Volkswagen Eos covered if I use it for business?
• Where can I find high-risk insurance?
• Do I need medical payments coverage since I have good health insurance?
• How do I insure my teen driver?
• If my pet gets injured in an accident are they covered?
• Do I need an umbrella policy?
• If I drive on a suspended license am I covered?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Specific coverages for a Volkswagen Eos

Knowing the specifics of your insurance policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Shown next are the normal coverages offered by insurance companies.

Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, theft, vandalism, hitting a bird and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and also any damage incurred to your Volkswagen Eos.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Collision – Collision insurance pays for damage to your Eos caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as crashing into a ditch, backing into a parked car, sustaining damage from a pot hole, sideswiping another vehicle and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Coverage for medical expenses – Coverage for medical payments and/or PIP kick in for short-term medical expenses like nursing services, hospital visits, pain medications and ambulance fees. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability coverage – Liability insurance protects you from damages or injuries you inflict on other people or property by causing an accident. This coverage 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. Your policy might show liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage pays for things like loss of income, court costs and funeral expenses. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

A penny saved is a penny earned

When getting insurance coverage quotes online, don’t be tempted to skimp on critical coverages to save a buck or two. There are a lot of situations where drivers have reduced collision coverage and found out when filing a claim that the savings was not a smart move. The proper strategy is to find the BEST coverage at the lowest possible cost, but don’t skip important coverages to save money.

In this article, we covered a lot of information how to compare 2013 Volkswagen Eos insurance premium rates online. The key concept to understand is the more quotes you get, the better your chances of lowering your prices. You may even find the lowest priced insurance coverage comes from the smaller companies. These smaller insurers may only write in your state and offer lower prices than the large multi-state companies such as State Farm or Progressive.

More learning opportunities

• Tread Depth and Tire Safety (State Farm)
• Medical Payments Coverage (Liberty Mutual)
• Auto Insurance Learning Center (State Farm)
• What is Covered by GAP Insurance? (Allstate)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)