2008 Volkswagen Eos Insurance Rates

Want the cheapest insurance coverage rates for your Volkswagen Eos? Are you sick and tired of sacrificing other expenses to keep your car insured? Your situation is no different than many other consumers. Companies like Allstate and Progressive constantly blast consumers with catchy ads and it is difficult to see past the corporate glitz and find the best price available.

You need to do price comparisons before your policy renews because rates are constantly changing. If you had the lowest premium rates on Eos coverage on your last policy there may be better deals available now. Ignore everything you know about insurance coverage because you’re about to learn the best way to save money, get proper deductibles and limits, all at the lowest rate.

Insurance discounts are available to slash your rates

Insurance is not cheap nor is it fun to buy but companies offer discounts that you may not even be aware of. A few discounts will be applied at the time of quoting, but a few need to be manually applied before they will apply.

  • Driver Education Discount – Have your child enroll in driver’s education as it will make them better drivers and lower rates.
  • Good Students Pay Less – Performing well in school can be rewarded with saving of up to 25%. The discount lasts up to age 25.
  • Distant Student Discount – Any of your kids who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
  • Anti-lock Brakes – Cars, trucks, and SUVs that have anti-lock braking systems can reduce accidents and the ABS can save up to 10%.
  • Passenger Safety Discount – Factory air bags or motorized seat belts can qualify for discounts of 25 to 30%.
  • Multiple Cars – Purchasing coverage when you have primary and secondary vehicles on a single policy can get a discount for every vehicle.
  • Anti-theft System – Anti-theft and alarm system equipped vehicles prevent vehicle theft and will save you 10% or more.
  • Club Memberships – Having an affiliation with qualifying clubs or civic groups can get you a small discount on your bill.
  • Switch and Save Discount – A few insurance companies offer discounts for signing up before your current policy expires. Ten percent is about the average savings.

While discounts sound great, it’s important to understand that most discount credits are not given to the entire policy premium. Most cut individual premiums such as physical damage coverage or medical payments. So even though you would think all those discounts means the company will pay you, you won’t be that lucky.

Companies that have these discounts include:

Before buying, ask all companies you are considering what discounts are available to you. Discounts might not apply everywhere. To see a list of insurers who offer discounts, follow this link.

Everyone needs different insurance coverage coverages

When choosing the right insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that may help highlight whether or not you might need an agent’s assistance.

  • If my 2008 Volkswagen Eos is totaled, can I afford another vehicle?
  • Does my policy pay for OEM or aftermarket parts?
  • Does my personal policy cover me when driving out-of-state?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Should I bundle my homeowners policy with my auto?
  • Am I covered when delivering products for my home-based business?
  • Are my tools covered if they get stolen from my vehicle?
  • What is the ISO rating for a 2008 Volkswagen Eos?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area. It is quick, free and you can get the answers you need.

Car insurance 101

Having a good grasp of a auto insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages offered by auto insurance companies.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your 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. This is the reason having UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like theft, damage from flooding and a broken windshield. The most your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision insurance

Collision coverage pays to fix your vehicle from damage 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 coverage protects against things like colliding with another moving vehicle, sustaining damage from a pot hole and colliding with a tree. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for bills such as funeral costs, rehabilitation expenses, dental work and ambulance fees. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Liability insurance

This coverage can cover injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Some companies may use a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims such as pain and suffering, funeral expenses, bail bonds and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

Final considerations

Lower-priced auto insurance is attainable from both online companies in addition to many insurance agents, and you need to price shop both so you have a total pricing picture. Some auto insurance companies may not provide rate quotes online and these regional carriers work with independent agents.

As you go through the steps to switch your coverage, do not sacrifice coverage to reduce premiums. There have been many cases where an insured dropped full coverage and learned later that the savings was not a smart move. The proper strategy is to purchase a proper amount of coverage for the lowest price, but don’t skip important coverages to save money.

Additional detailed information can be read in the articles below: