2016 Volkswagen Eos Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 10, 2024

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Searching for better insurance coverage rates for your Volkswagen Eos? Having to pay for overpriced Volkswagen Eos insurance can take a big chunk out of your funds and possibly require you to analyze your spending habits.

With so many insurance providers from which to choose, it’s nearly impossible to choose the lowest price insurer.

It’s a good idea to check insurance coverage prices quite often because prices are constantly changing. Even if you think you had the best deal on Eos coverage a couple years back other companies may now be cheaper. You can search a lot of insurance coverage out there, but in a few minutes you can learn some of the best techniques to stop overpaying for insurance.

Discounts to earn cheaper insurance coverage rates

Companies offering auto insurance do not advertise the entire discount list very clearly, so below is a list a few of the more common in addition to some of the lesser obvious credits that you can use to lower your rates.

  • Cautious Drivers – Accident-free drivers may receive a discount up to 45% on Eos coverage compared to accident prone drivers.
  • Employee of Federal Government – Active or former government employment could provide a small rate reduction on Eos coverage with some insurance coverage companies.
  • Multiple Vehicles – Insuring all your vehicles on one policy can get a discount on all vehicles.
  • New Car Discount – Insuring a new car can get you a discount due to better safety requirements for newer vehicles.
  • Distant Student – Any of your kids who are attending college and do not take a car to college can receive lower rates.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or automatic seat belts may get savings of 20% or more.
  • Own a Home and Save – Being a homeowner can save a few bucks due to the fact that maintaining a home requires personal responsibility.

As a sidenote, most discount credits are not given to the whole policy. Some only apply to specific coverage prices like liability, collision or medical payments. Even though it appears it’s possible to get free car insurance, you’re out of luck.

A few companies that possibly offer these money-saving discounts possibly include:

  • Travelers
  • Farm Bureau
  • Liberty Mutual
  • American Family
  • Progressive

If you need the cheapest insurance quotes, ask each insurance company the best way to save money. Discounts might not be offered in your state. To find insurers offering insurance coverage discounts, enter your zip code here.

Buy Volkswagen Eos insurance at a discount

Part of the auto insurance buying process is learning some of the elements that help determine the level of your policy premiums. When you know what positively or negatively impacts premium levels, this allows you to make educated decisions that could help you find better auto insurance rates. Multiple criteria are used in the calculation when you get your auto insurance bill. Some are pretty understandable like your driving record, but other factors are not quite as obvious like your continuous coverage or how financially stable you are.

  • Bundle policies with the same company – Most companies afford lower prices to clients who have multiple policies with them, otherwise known as a multi-policy discount. Even if you already get this discount, consumers should still shop around to make sure you are getting the best deal. Drivers may still find lower rates by splitting coverages up.
  • Liability risk factors in – Your policy’s liability coverage kicks in in the event that you are determined to be liable for damages from an accident. It provides you with a defense in court which can cost thousands of dollars. This coverage is very inexpensive compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
  • Gender and insurance coverage rates – Statistics have proven females are less aggressive when driving. The data does not necessarily mean that males are worse at driving than females. Men and women cause at-fault accidents in similar numbers, but guys cause more damage and cost insurance companies more money. Not only are claims higher, but men get cited for more serious violations such as driving while intoxicated (DWI) or driving recklessly. Young males are the most expensive to insure and therefore are the most expensive to insure.
  • Auto insurance policy lapses increase auto insurance rates – Driving without insurance coverage in place is illegal and any future policy may cost more because you let your coverage lapse. And not only will insurance be more expensive, failure to provide proof of insurance can result in a license revocation or jail time.
  • Auto insurance rates can be impacted by your job – Occupations like fire fighters, executives and dentists tend to pay higher rates than average because of job stress and incredibly demanding work hours. Conversely, occupations such as actors, students and performers pay the least on Eos coverage.
  • Rates and your address – Having an address in a small town can save you money when shopping for auto insurance. Residents of big cities regularly have much more traffic and longer commute times. Lower population translates into fewer accident claims and also fewer theft and vandalism claims.
  • Little extras can really add up – There are many add-on coverages that sound like a good idea at the time but may not be useful. Coverage for things like vanishing deductibles, accidental death, and membership fees may not be needed and are just wasting money. They may sound like good ideas when deciding what coverages you need, but your needs may have changed so remove them and pocket the money.

Tailor your insurance coverage coverage to you

When buying coverage for your personal vehicles, there really is no single plan that fits everyone. Every situation is different and a cookie cutter policy won’t apply. For example, these questions could help you determine if your situation will benefit from professional help.

  • Do I need to file an SR-22 for a DUI in my state?
  • When should my teen driver be added to my policy?
  • Am I covered if hit by an uninsured driver?
  • What is PIP insurance?
  • When do I need to add a new car to my policy?
  • Do I have coverage when using my vehicle for my home business?
  • Does insurance cover tools stolen from my truck?
  • Should I buy additional glass protection?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and enter your zip code.

Parts of your car insurance policy

Having a good grasp of your policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find the normal coverages found on the average car insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and damage to your Volkswagen Eos.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these limits are similar to your liability insurance amounts.

Collision coverage

This pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like damaging your car on a curb, sustaining damage from a pot hole and crashing into a building. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from getting keyed, a tree branch falling on your vehicle and rock chips in glass. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability insurance

Liability insurance provides protection from injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy 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. Some companies may use a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against things such as repair costs for stationary objects, medical expenses and medical services. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like prosthetic devices, doctor visits, ambulance fees, EMT expenses and surgery. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

More quotes mean more savings

As you shop your coverage around, do not skimp on critical coverages to save a buck or two. There have been many situations where an insured dropped physical damage coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The goal is to find the BEST coverage at the lowest possible cost, but do not skimp to save money.

Throughout this article, we presented many ways to compare 2016 Volkswagen Eos insurance premium rates online. The most important thing to understand is the more providers you compare, the higher the chance of saving money. Drivers may discover the lowest premium rates come from a lesser-known regional company. Regional companies often have lower prices on specific markets than the large multi-state companies such as Progressive or GEICO.

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