Have you had enough of being strong-armed to keep your car insured? Your situation is no different than many other vehicle owners. You have so many car insurance companies to insure vehicles with, and although it’s a good thing to have multiple companies, more choices can make it harder to find the lowest cost provider.
Some companies don’t necessarily list their entire list of discounts in a way that’s easy to find, so the list below contains a few of the more well known as well as some of the hidden credits that you can use to lower your rates. If you check and find you aren’t receiving every discount you deserve, you’re paying more than you need to.
While discounts sound great, it’s important to understand that some of the credits will not apply to the entire policy premium. The majority will only reduce specific coverage prices like collision or personal injury protection. So when the math indicates having all the discounts means you get insurance for free, you’re out of luck.
A list of companies and the discounts they provide are shown below.
When getting free insurance quotes, it’s a good idea to each insurance company which discounts you may be entitled to. Some discounts may not apply to policies in your state. To see a list of providers who offer cheap insurance quotes, click this link.
There are a lot of ways you can shop for car insurance but there is one way that is easier and takes less work. You can waste a few hours (or days) discussing policy coverages with agents in your area, or you could save time and use online quotes to get prices fast.
Most of the best insurance companies participate in an industry program that allows shoppers to send in one quote, and each company then returns a price quote based on that data. This saves time by eliminating quotation requests to every company.
To enter your information into the quoting system, click to open in new window.
The only drawback to comparing rates this way is you can’t choose which insurance companies you want pricing from. So if you prefer to pick specific providers to compare, we have a listing of companies who write car insurance in your area. Click here for list of insurance companies.
The approach you take is up to you, just be certain you are entering nearly identical coverages on every quote you get. If you use different data then you won’t be able to get a fair rate comparison.
When it comes to choosing the right insurance coverage, there is no one size fits all plan. Every situation is different so this has to be addressed. For instance, these questions can aid in determining whether you will benefit from professional help.
If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It’s fast, free and can provide invaluable advice.
Having a good grasp of a car insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverages found on most car insurance policies.
Uninsured Motorist or Underinsured Motorist insurance
Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2015 Volkswagen Eos.
Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Insurance for medical payments
Med pay and PIP coverage reimburse you for short-term medical expenses like rehabilitation expenses, ambulance fees, funeral costs and EMT expenses. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage
Auto liability insurance
Liability coverage protects you from injuries or damage you cause to other people or property in an accident. This insurance 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 for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.
Liability can pay for claims such as pain and suffering, loss of income, medical services, funeral expenses and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.
Comprehensive coverage (or Other than Collision)
This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.
Comprehensive can pay for claims such as theft, damage from getting keyed, falling objects, fire damage and hitting a bird. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.
Collision can pay for things such as hitting a parking meter, colliding with a tree, sideswiping another vehicle, backing into a parked car and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.
We just showed you a lot of tips how to shop for 2015 Volkswagen Eos insurance online. The most important thing to understand is the more times you quote, the better your comparison will be. You may be surprised to find that the biggest savings come from a smaller regional carrier. These companies may have significantly lower car insurance rates on certain market segments compared to the large companies like Allstate, Geico and Progressive.
As you quote insurance, don’t be tempted to reduce needed coverages to save money. There have been many situations where someone sacrificed physical damage coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your focus should be to purchase a proper amount of coverage for the lowest price, but do not sacrifice coverage to save money.
More information can be read at the links below
I can’t pay high rates. I’m in the suburbs of Norfolk, Virginia. I compared lots of rates. Saved about $40 a month. State Farm was the most affordable for me. Have a couple speeding tickets too. Highly recommended.
Enjoyed the article. From a town just southwest of Frederick, MD. I quoted with Western Auto Insurance, AIG Insurance, Hartford, and Sentry for my 2015 Volkswagen Eos and am saving around $140 a year. Not sure if rates are cheaper online or not.
Mine is so expensive. Proud to be from Frederick, MD. Quoted quotes from AIG Insurance, MetLife, and a few others for my Volkswagen and saved just over $190 a year. Was with Western Auto Insurance. Thankfully I’m not a high risk driver.
Not sure what I should be paying. I’m in the suburbs of Columbia, SC. Quoted quotes with USAA, AIG Insurance, GMAC, and Safeco for my Eos and cut my rates about $310 a year. I quoted rates online then called them.
All insurance companies are crooks.
Looking for cheaper 2015 Volkswagen Eos insurance in Greensboro, NC. Help!
From northwest of Knoxville, Tennessee. Received rates from American Family, Farmers, and Safeco for my 2015 Volkswagen Eos and I think I saved about $20 each month. Left AIG Insurance to switch.
Lifelong resident of Rapid City, SD. Got quotes from GEICO, Auto-Owners, Eastwood, and GMAC for my Volkswagen and saved around $100 a year. Might find lower rates online.
Thought I’d throw in my experience. I live in Shreveport, LA. Not sure of all the companies but I ended up saving about $70 each month. It was easy to get rates.