2009 Volkswagen Eos Car Insurance Cost – 5 Tips to Save

High-priced auto insurance can sap your savings account and maybe even restrict other spending. Performing a rate comparison can help to reduce premiums and put more money in your pocket.

Popular companies such as Allstate and Progressive all claim big savings, bombarding you with advertising and it is challenging if not impossible to ignore the promise of big savings and effectively compare rates to find the best deal.

You need to compare rates every six months since rates tend to go up over time. Just because you found the best premium rates on Eos coverage at your last renewal you may be paying too much now. Block out anything you think you know about auto insurance because you’re going to get a crash course in the only way to reduce your cost while increasing coverage.

If you have insurance now or are just looking to switch companies, you can use this information to get lower rates and possibly find even better coverage. Finding affordable coverage is not that difficult. Drivers just need to understand the tricks to buy insurance on the web.

Finding insurance coverage

Most companies like GEICO, State Farm and Progressive allow you to get pricing directly from their websites. Comparing rates online doesn’t take much effort as you simply enter your coverage preferences into the form. After the form is submitted, their quoting system will obtain your driving and credit reports and quotes a price based on many factors. Online price estimates streamlines rate comparisons, but having to visit many different websites and complete many quote forms is a waste of time. But it’s also necessary to perform this step if you want to get the best price on insurance coverage.

A more efficient way to find lower prices utilizes a single form to return rates from several companies at one time. This type of form saves time, requires much less work on your part, and makes online quotes much easier. As soon as you send your information, it gets priced and you are able to buy any or none of the returned quotes.

If one or more price quotes are lower than your current rates, you can simply submit the application and purchase the new policy. This process only takes a few minutes and you will know how your current rates stack up.

If you want to find out if lower rates are available, click here to open in new window and begin entering your coverage information. If you currently have coverage, we recommend you input coverages and limits identical to your current policy. Doing this assures you are getting rate comparison quotes based on identical coverages.

Tailor your auto insurance coverage to you

When buying the best auto insurance coverage, there really is not a perfect coverage plan. Every insured’s situation is different and your policy should reflect that. For instance, these questions may help you determine if your insurance needs may require specific advice.

  • Do I have coverage when making deliveries for my home business?
  • How high should my medical payments coverage be?
  • Can I afford to pay high deductible claims out of pocket?
  • When would I need rental car insurance?
  • Are split liability limits better than a combined single limit?
  • Why do I only qualify for high-risk insurance?
  • Are there companies who specialize in insuring high-risk drivers?
  • Do I need PIP coverage since I have good health insurance?
  • Is there coverage for injuries to my pets?
  • Am I covered if I hit my neighbor’s mailbox?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance 101

Learning about specific coverages of your auto insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types offered by auto insurance companies.

Comprehensive protection

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as fire damage, hitting a bird and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability coverages

This provides protection from damages or injuries you inflict on a person or their property in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against things such as bail bonds, emergency aid and attorney fees. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Coverage for collisions

This pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as crashing into a building, hitting a mailbox and backing into a parked car. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Volkswagen Eos.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these limits are similar to your liability insurance amounts.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for bills for EMT expenses, funeral costs, rehabilitation expenses, nursing services and surgery. They can be used to fill the gap from your health insurance program or if you do not have health coverage. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage