Compare 2014 Volkswagen Eos Car Insurance Rates

Want lower auto insurance rates for your Volkswagen Eos? Did you make the mistake of buying high-priced auto insurance? It’s a common feeling and you’re not alone. You have so many insurance companies to choose from, and although it’s nice to have a selection, more choices can make it harder to find the lowest cost provider.

You should take the time to price shop coverage at least once a year because prices are variable and change quite frequently. Despite the fact that you may have had the lowest rates on Eos coverage a few years ago the chances are good that you can find a lower premium rate today. Block out anything you think you know about auto insurance because you’re going to get a crash course in the proper way to save on auto insurance.

First Step: Get free auto insurance quotes

Getting a cheaper price on 2014 Volkswagen Eos insurance is a great way to save money. All you need to do is spend a little time comparing rate quotes online from several insurance companies. Rate comparisons can be done using a couple different methods.

  1. The single most time-saving way to get quotes is to use a rate comparison form click here to open form in new window. This easy form keeps you from doing a different quote for every prospective company. A single form compares rates direct from many companies.
  2. Another way to compare rate quotes consists of visiting the website for every company you want to comare and fill out a new quote form. For example, let’s say you want to see prices from Farmers, 21st Century and GMAC. To get rate quotes you would need to go to each individual site and repeatedly type in your coverage information, which is why first method is reommended. For a handy list of car insurance company links in your area, click here.
  3. The least efficient and most time consuming method to quote and compare insurance rates is driving to insurance agencies in your area. Doing it all online eliminates the middleman unless you have a complicated situation and need the professional guidance only provided by licensed agents. However, consumers can obtain prices from the web and still use a local agent.

Whichever method you choose, make absolute certain that you use the exact same deductibles and coverage limits for each price quote. If you have unequal deductibles or liability limits you will not be able to determine which rate is truly the best.

Volkswagen Eos insurance premium factors

Consumers need to have an understanding of some of the elements that go into determining your policy premiums. When you understand what influences your rates, this allows you to make good choices that could help you find much lower annual insurance costs. Many things are part of the equation when you get a price on insurance. Most are fairly basic like your driving record, although others are not quite as obvious like your continuous coverage or how financially stable you are.

Shown below are some of the most rate-impacting factors used by insurance companies to determine rates.

  • Lower annual miles equals lower premium – The more miles you rack up on your Volkswagen every year the more you’ll pay to insure your vehicle. A lot of insurance companies calculate rates based on their usage. Autos left parked in the garage get more affordable rates than vehicles that are driven to work every day. Incorrect rating for your Eos may be wasting your money. It’s a smart idea to ensure your car insurance policy states how each vehicle is driven.
  • Safer vehicles cost less to insure – Vehicles that have high safety ratings get lower rates. Safer cars protect occupants better and fewer injuries means lower claim amounts and lower rates for you.
  • Limits of liability protection – Your policy’s liability coverage is the protection when you are found liable for damages from an accident. This coverage provides legal defense coverage to defend your case. This coverage is very inexpensive compared to physical damage coverage, so do not skimp.
  • Claim-free discounts can add up – If you’re an insured who likes to file claims you can look forward to much higher rates or policy non-renewal. Auto insurance companies give most affordable rates to policyholders who are not frequent claim filers. Your insurance policy is designed for claims that you cannot pay yourself.
  • Premiums drop with age – Drivers with little experience are statistically shown to be less responsible when driving with friends therefore car insurance rates are much higher. Older people are more cautious drivers, tend to file fewer claims and tend to be get fewer driving tickets.
  • Your car’s features help determine premiums – Selecting a car model with a theft deterrent system can earn a premium discount. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart car theft.
  • Gender and car insurance – The statistics show females are less aggressive when driving. However, don’t assume that males are worse at driving than females. Both sexes are in fender benders in similar percentages, but males get into accidents with more damage. They also have more aggressive citations like reckless driving and DUI.
  • Lower rates with a multi-policy discount – Most major companies provide a discount to customers who have multiple policies with them. It’s known as a multi-policy discount. Discounts can be five, ten or even twenty percent. Even with this discount applied, it’s always a smart idea to compare rates to ensure the best deal.

Take policy discounts and save

Insurance is not inexpensive, but you might already qualify for some discounts that can dramatically reduce your bill. Some discounts apply automatically at quote time, but lesser-known reductions have to be requested specifically before you will receive the discount. If you are not receiving all the discounts you deserve, you are just wasting money.

  • Anti-theft System – Cars and trucks that have factory anti-theft systems prevent vehicle theft so companies will give you a small discount.
  • Sign Online – A few larger companies give back up to $50 for buying your policy over the internet.
  • Low Mileage – Keeping the miles down on your Volkswagen could be rewarded with better rates on cars that stay parked.
  • Discounts for Federal Employees – Having worked for a branch of the government may reduce rates when you quote insurance coverage on Eos coverage with some insurance companies.
  • Responsible Drivers – Drivers who avoid accidents can pay as much as 50% less on Eos coverage than their less cautious counterparts.
  • Drivers Ed for Students – Have your child complete a driver education course as it will make them better drivers and lower rates.
  • Driver Training Discounts – Taking a course in safe driver could possibly earn you a 5% discount and make you a better driver.
  • Auto/Life Discount – Insurance carriers who offer life insurance give better rates if you take out life insurance from them.

Don’t be surprised that many deductions do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like collision or personal injury protection. If you do the math and it seems like you would end up receiving a 100% discount, you won’t be that lucky. But all discounts will positively reduce your policy premiums.

To choose companies that offer some of these discounts, click here.

Which policy gives me the best coverage?

When it comes to choosing adequate coverage, there is no one size fits all plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine if you might need an agent’s assistance.

  • Am I covered if hit by an uninsured driver?
  • How do I buy GAP insurance?
  • What if I owe more than I can insure my car for?
  • What is medical payments coverage?
  • Can I afford to pay high deductible claims out of pocket?
  • Should I carry comprehensive and collision coverage?
  • Does coverage extend to my business vehicle?
  • Do I need special endorsements for business use of my vehicle?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking 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. It’s fast, free and you can get the answers you need.

Auto insurance coverage information

Having a good grasp of auto insurance can help you determine the best coverages at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverages found on most auto insurance policies.


Liability insurance can cover damage that occurs to people or other property by causing an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Another option is a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims like repair costs for stationary objects, emergency aid and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your 2014 Volkswagen Eos.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these coverages do not exceed the liability coverage limits.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like doctor visits, rehabilitation expenses and chiropractic care. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from getting keyed, hitting a bird, a tree branch falling on your vehicle, hail damage and damage from flooding. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Auto collision coverage

This covers damage to your Eos resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like hitting a mailbox, backing into a parked car, colliding with a tree and rolling your car. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

The bottom line

We covered some good ideas how to get a better price on 2014 Volkswagen Eos insurance. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your premium rates. You may be surprised to find that the best car insurance rates are with the smaller companies. Smaller companies may have significantly lower premium rates on certain market segments than the large multi-state companies such as State Farm and Allstate.

Discount 2014 Volkswagen Eos insurance can be bought both online as well as from independent agents, so get free insurance coverage quotes from both of them in order to have the best price selection to choose from. Some insurance companies may not have online quoting and these small, regional companies only sell coverage through local independent agencies.

For more information, link through to the articles below:

Comments About 2014 Volkswagen Eos Insurance

  1. Dorris Rosa

    IT’S ALL TOO EXPENSIVE! I’m in the west part of San Jose, CA. Received quotes with AAA, Nationwide, and some smaller one I can’t remember the name of for my Eos and saved about $530 a year. Left The General to switch. I even had a DUI years ago.

  2. Rosaria Mckenzie

    Lots of useful info here. Got a quote with Hartford for my Volkswagen and saved about $240 a year. They have free quotes online.

  3. Kandace Rodriquez

    Will GEICO give discounts for good grades?

  4. Cristie Leach

    Good site, thanks. I live east of Springfield, MO. I got free prices from Progressive, Erie, and Hartford for my Volkswagen and am saving around $260 a year.

  5. Ken Suarez

    All companies are crooks. From Shreveport, LA. Not sure of all the companies but I ended up saving about $50 each month.

  6. Damian Mccoy

    State Farm was cheapest for my 2014 Volkswagen Eos in Saint Paul, Minnesota.

  7. Viva Pugh

    Good site, thanks. I live in Gaithersburg, MD. Not sure of all the companies but I ended up saving about $60 each month. Hardly afford to drive anymore.

  8. Huong Pacheco

    Lots of good stuff here. From Charleston, West Virginia. Not sure of all the companies but I ended up saving about $50 each month. I get lower rates because of my clean driving record. LOL

  9. Emanuel Reeves

    Live in Dover, DE. Received quotes with State Farm, Esurance, and Hanover for my 2014 Volkswagen Eos and saved just over $420 a year. Left Safeco to switch.

  10. Julene Rodriguez

    Will State Farm do a SR22 in New Jersey?

  11. Afton Gill

    I’m in the west part of Louisville, KY and for me Allstate had the lowest quote. BTW speeding tickets are not good. It’s easy to compare rates online now.

  12. Lesia Manning

    I’m just east of Omaha, Nebraska. Received prices from Auto-Owners, Sentry, and USAA for my Eos and I think I saved about $50 each month. Get lots of quotes to find the best rate.

  13. Ashly Fitzpatrick

    I got decent rates for a 2014 Volkswagen Eos in Rochester, NY. Ended up at darn near $310 every six months with Amica. Insured with AAA before.