Cheap 2015 Volkswagen Eos Insurance Quotes

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.

Verify you’re getting every discount

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.

  • Good Student – Being a good student can get you a discount of up to 25%. Many companies even apply the discount to college students until age 25.
  • Onboard Data Collection – Insureds that choose to allow their company to look at driving patterns through the use of a telematics system such as Progressive’s Snapshot may get a rate reduction if they have good driving habits.
  • Discounts for Federal Employees – Active or former government employment may reduce rates when you quote insurance on Eos coverage with select insurance companies.
  • Homeowners Pay Less – Being a homeowner can save you money since home ownership shows financial diligence.
  • No Accidents – Claim-free drivers can earn big discounts as opposed to policyholders that have many claims.
  • Anti-lock Brake Discount – Vehicles that have steering control and anti-lock brakes have fewer accidents and qualify for as much as a 10% discount.
  • College Student Discount – Kids who attend college more than 100 miles from home without a vehicle on campus may be able to be covered for less.

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.

  • Farmers Insurance includes discounts for bundle discounts, business and professional, distant student, multi-car, youthful driver, and mature driver.
  • State Farm offers discounts for good student, defensive driving training, accident-free, good driver, passive restraint, safe vehicle, and multiple autos.
  • Liberty Mutual may have discounts that include multi-car, hybrid vehicle, newly married, good student, and preferred payment discount.
  • MetLife offers premium reductions for multi-policy, good student, claim-free, accident-free, defensive driver, good driver
  • Progressive offers discounts including online signing, good student, multi-vehicle, homeowner, online quote discount, and continuous coverage.

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.

First Step: Get free car insurance quotes

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 should I discuss my situation with an agent?

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.

  • Am I insured when driving a different vehicle?
  • Do I need higher collision deductibles?
  • Why do I need rental car insurance?
  • How much underlying liability do I need for an umbrella policy?
  • What is high-risk coverage and where do I buy it?
  • If I drive on a suspended license am I covered?
  • When would I need additional glass coverage?
  • Why am I required to get a high-risk car insurance policy?

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.

Car insurance coverage basics

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.

Collision insurance

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.

A fool and his money are soon parted

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

Comments About 2015 Volkswagen Eos Insurance

  1. Desirae Douglas

    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.

  2. Augustus Foster

    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.

  3. Florrie Burt

    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.

  4. Margarett Wooten

    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.

  5. Katerine Pittman

    All insurance companies are crooks.

  6. Kasey Velasquez

    Looking for cheaper 2015 Volkswagen Eos insurance in Greensboro, NC. Help!

  7. Nguyet Good

    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.

  8. Parker Cummings

    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.

  9. Teri Levine

    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.