Save on 2012 Volkswagen Eos Insurance Rates

Being forced to pay for high-priced auto insurance premiums can drain your family’s budget, especially in this economy. Comparing rates annually is recommended to lower your monthly bill.

Companies like Allstate and Progressive continually hit you with fancy advertisements and it is challenging if not impossible to not get sucked in by the cute commercials and find the best price available.

If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using this strategy. Choosing the best insurance company for you is easy if you know what you’re doing. Although vehicle owners should learn how insurance companies market on the web and use this information to your advantage.

Use discounts on insurance

Car insurance can cost a lot, but you might find some hidden discounts that can dramatically reduce your bill. A few discounts will be applied at quote time, but some may not be applied and must be asked about before being credited. If they aren’t giving you every credit available, you could be saving more on your insurance.

  • Defensive Driver Discounts – Passing a course in defensive driving may get you a small discount depending on where you live.
  • Discount for Low Mileage – Driving less may allow you to get slightly better rates than normal.
  • Good Driver Discounts – Drivers who avoid accidents may receive a discount up to 45% on Eos insurance than less cautious drivers.
  • One Accident Forgiven – Not necessarily a discount, but some insurance companies will forgive one accident without the usual rate increase if you are claim-free before the accident.
  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts may qualify for discounts of 20 to 30 percent.

While discounts sound great, it’s important to understand that most discount credits are not given to the entire policy premium. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Despite the fact that it seems like you can get free auto insurance, you aren’t that lucky. Any amount of discount will definitely reduce your overall premium however.

A list of companies and a partial list of their discounts can be read below.

  • Progressive has discounts for multi-vehicle, good student, online quote discount, multi-policy, continuous coverage, homeowner, and online signing.
  • MetLife includes discounts for good driver, multi-policy, good student, accident-free, defensive driver, claim-free
  • Mercury Insurance may include discounts for good driver, accident-free, ease of repair, professional/association, location of vehicle, and annual mileage.
  • Nationwide has savings for Farm Bureau membership, family plan, anti-theft, easy pay, and accident-free.
  • Geico may offer discounts for good student, multi-vehicle, emergency military deployment, military active duty, and federal employee.
  • AAA discounts include good driver, anti-theft, multi-policy, AAA membership discount, pay-in-full, good student, and multi-car.

Check with each company or agent to apply every possible discount. A few discounts may not apply in your area.

Tailor your insurance coverage to you

When it comes to buying adequate coverage, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that can aid in determining whether you might need an agent’s assistance.

  • Do I really need UM/UIM coverage?
  • Can I afford to pay high deductible claims out of pocket?
  • Does my policy cover me when driving someone else’s vehicle?
  • When would I need rental car insurance?
  • Does insurance cover damages from a DUI accident?
  • When should my teen driver be added to my policy?
  • Does having multiple vehicles earn me a discount?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Why is insurance for a teen driver so high?
  • Do I need motorclub coverage?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, complete this form or click here for a list of insurance companies in your area.

Insurance coverage options for a 2012 Volkswagen Eos

Having a good grasp of your policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverages offered by insurance companies.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 2012 Volkswagen Eos.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision protection

Collision insurance pays for damage to your Eos resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as colliding with a tree, rolling your car and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like vandalism, rock chips in glass, a tree branch falling on your vehicle and hitting a deer. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability insurance

This coverage can cover damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things such as medical expenses, loss of income and bail bonds. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for dental work, chiropractic care and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Shop smart and save

Cheaper car insurance can be bought online and with local insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies may not provide rates over the internet and usually these regional insurance providers sell through independent agents.

When getting auto insurance quotes online, it’s not a good idea to buy less coverage just to save a little money. Too many times, an insured cut uninsured motorist or liability limits only to find out that the small savings ended up costing them much more. Your focus should be to purchase a proper amount of coverage at the best price and still be able to protect your assets.

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