2011 Volkswagen Eos Insurance Cost – 9 Tips to Save

Trying to find cheaper insurance rates for your Volkswagen Eos? Vehicle owners that are new to comparing rates online could find buying the cheapest insurance coverage can be quite difficult.

The most recommended method to get policy rate comparisons is to know most larger insurance companies pay for the opportunity to provide you with a free rate quote. All you need to do is take a few minutes to give details such as whether your vehicle is owned or leased, if your license is active, if it has an alarm system, and daily mileage. Those rating factors is then sent to many different companies and you get price estimates instantly.

To compare rates now, click here and enter your zip code.

Insurance discounts are available to reduce your rates

Auto insurance companies don’t list every discount they offer very clearly, so the next list breaks down some of the more common and also the lesser-known credits available to you.

  • Paper-free Discount – Many insurance companies will discount your bill up to fifty bucks for signing up on their website.
  • Distant Student – Any of your kids who live away from home to go to college and won’t have access to an insured vehicle may qualify for this discount.
  • Waiver for an Accident – This one is not really a discount per se, but some insurance companies will allow you to have one accident before they charge you more for coverage if you have no claims prior to the accident.
  • Multi-policy Discount – When you combine your auto and home insurance and insure them both with the same insurance company you could get a discount of up to 20% and get you cheaper insurance coverage.
  • Club Memberships – Participating in a civic or occupational organization could qualify you for a break on your next insurance statement.
  • Anti-lock Brakes – Cars and trucks with ABS and/or traction control can stop better under adverse conditions and earn discounts up to 10%.
  • Discounts for Good Drivers – Insureds who avoid accidents may receive a discount up to 45% for Eos insurance than less cautious drivers.
  • Savings for New Vehicles – Insuring a vehicle that is new is cheaper due to better safety requirements for new model year vehicles.
  • Safety Course Discount – Successfully completing a course that instructs on driving safety could cut 5% off your bill and easily recoup the cost of the course.

You should keep in mind that most of the big mark downs will not be given to your bottom line cost. A few only apply to the cost of specific coverages such as collision or personal injury protection. If you do the math and it seems like all those discounts means the company will pay you, companies don’t profit that way.

Some of the larger companies that may offer quotes with these benefits include:

If you need inexpensive insurance coverage quotes, ask every prospective company which discounts can lower your rates. Savings might not be available to policyholders in every state.

Everyone needs different auto insurance coverages

When it comes to buying adequate coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is unique.

For example, these questions might help in determining whether your personal situation would benefit from professional advice.

  • How can I get high-risk coverage after a DUI?
  • Is my state a no-fault state?
  • Which companies will insure high-risk drivers?
  • Does my liability insurance cover pulling a trailer or camper?
  • Are all vehicle passengers covered by medical payments coverage?
  • Does my policy cover my teen driver if they drive my company car?
  • What exactly is covered by my policy?
  • Is my cargo covered for damage or theft?
  • Am I covered when using my vehicle for business?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form.

What car insurance coverages do you need?

Learning about specific coverages of your car insurance policy can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Coverage for liability

This coverage can cover damage or injury you incur to people or other property that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things such as legal defense fees, medical expenses, repair bills for other people’s vehicles, pain and suffering and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

Coverage for collisions

Collision coverage covers damage to your Eos caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like colliding with another moving vehicle, damaging your car on a curb, backing into a parked car and crashing into a building. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Volkswagen Eos.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like hospital visits, pain medications and nursing services. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and also covers being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Comprehensive insurance

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like hail damage, damage from getting keyed and rock chips in glass. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Never pay more for less

We covered a lot of ways to lower your 2011 Volkswagen Eos insurance prices. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. You may even find the best prices are with a company that doesn’t do a lot of advertising.

People leave their current company for any number of reasons including extreme rates for teen drivers, poor customer service, policy non-renewal and questionable increases in premium. Whatever your reason, finding a new company can be less work than you think.

Cheaper car insurance is available online as well as from insurance agents, so you should compare both to have the best rate selection. There are still a few companies who do not offer online quoting and usually these regional insurance providers work with independent agents.

Additional detailed information is available by following these links: