Fastest Guide to the Cheapest Volkswagen Eos Auto Insurance Rates

Are you regretting buying overpriced auto insurance? Say no more because there are lots of people in the same boat. You have so many insurance companies to buy insurance from, and though it is a good thing to be able to choose, more choices can make it harder to find a good deal.

Consumers need to get comparison quotes quite often because auto insurance prices fluctuate regularly. Even if you got the lowest rates on Eos insurance at your last renewal you can probably find a lower rate today. There are lots of tips to save on auto insurance online, but in a few minutes you can learn some good information on how to put money back in your pocket.

There are multiple methods to compare auto insurance prices but some are more efficient than others. You could waste time driving to insurance companies in your area, or you could save time and use the internet to get the quickest rates.

Many popular insurance companies belong to a marketplace that allows shoppers to enter their policy data once, and each participating company returns a rated price based on that data. This system prevents you from having to do form submissions to every company.

To fill out one form to compare multiple rates now click to open in new window.

The only downside to using this type of system is that you can’t choose the insurers to receive prices from. So if you want to select specific providers to request quotes from, we put together a list of companies who write auto insurance in your area. Click here to view list.

The approach you take is up to you, just try to use the same coverages for each comparison quote. If you are comparing unequal deductibles or liability limits it will be impossible to determine which rate is truly the best.

Insurance Premiums are Influenced by These Factors

When buying auto insurance it’s important to understand a few of the rating criteria that play a part in calculating your premiums. When you understand what determines base rates, this allows you to make educated decisions that can earn you lower rates. Lots of things are part of the calculation when premium rates are determined. Some are pretty understandable like a motor vehicle report, but some are not quite as obvious like where you live or how safe your car is.

The list below includes just a few of the factors companies use to determine prices.

Cheaper rates after marriage – Having a significant other may cut your premiums when buying auto insurance. Having a spouse demonstrates that you tend to be more mature than a single person and insurance companies reward insureds because drivers who are married are more cautious.
Additional coverages that may be costing you – There are quite a few extra bells and whistles that you can get tricked into buying on your auto insurance policy. Add-on coverages like replacement cost coverage, accident forgiveness, and extra life insurance coverage may be wasting your money. These coverages may sound good when deciding what coverages you need, but if you have no use for them eliminate them to save money.
Tickets and citations cost more than a fine – Being a careful driver impacts your car insurance rates tremendously. Just one moving violation can bump up the cost twenty percent or more. Drivers with clean records have lower premiums compared to bad drivers. Drivers who have gotten multiple violations like DUI or willful reckless driving may face state-mandated requirements to complete a SR-22 with their state’s licensing department in order to drive a vehicle legally.
A good credit history can save money – Having a bad credit history can be a huge factor in determining premium rates. So if your credit history is not that good, you could be paying less to insure your Volkswagen Eos by spending a little time repairing your credit. People that have very high credit ratings tend to file fewer claims and have better driving records as compared to drivers with lower credit ratings.
Reduce premiums by staying claim free – Car insurance companies award the lowest premiums to drivers who are claim-free. If you file a lot of claims you can pretty much guarantee much higher rates or policy non-renewal. Your car insurance is intended for claims that pose a financial burden.

Get affordable rates with these discounts

Companies don’t always advertise the entire discount list very clearly, so we took the time to find both the well known and the harder-to-find credits that may apply to you.

Data Collection Discounts – Drivers who elect to allow companies to look at where and when they drive by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts if they exhibit good driving behavior.
Memberships – Affiliation with a civic or occupational organization is a simple method to lower premiums on auto insurance.
Active Service Discounts – Having a family member in the military could mean lower prices.
Accident-Free Discounts – Drivers who don’t have accidents get the best auto insurance rates compared to accident-prone drivers.
Discounts for Cautious Drivers – Drivers without accidents can get discounts for up to 45% lower rates on Eos insurance as compared to drivers with claims.
Federal Employees – Being employed by or retired from a federal job may reduce rates when you on Eos insurance depending on your company.
Multi-line Discount – Some auto insurance companies give a discounted auto insurance rate on car insurance if you buy some life insurance too.
Good Student – This discount can be rewarded with saving of up to 25%. The discount lasts until age 25.
ABS Brakes – Cars, trucks, and SUVs with anti-lock braking systems prevent accidents so you can save 10 percent or more.
Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can get savings up to 30%.

While discounts sound great, it’s important to understand that most credits do not apply to the entire cost. Some only reduce specific coverage prices like liability, collision or medical payments. Despite the appearance that it’s possible to get free car insurance, that’s just not realistic.

Some of the larger companies that may include some of the above discounts include:

Double check with every insurance company which discounts you may be entitled to. Depending on the company, some discounts may not apply in your area. To find auto insurance companies with the best discounts, click here.

Buying auto insurance from car insurance agents

Certain consumers would prefer to get advice from a local agent and that can be a smart move Most agents will help you protect your assets and help submit paperwork. The biggest benefit of price shopping on the web is the fact that drivers can get the best rates and still buy from a local agent. And buying from local insurance agents is especially important if you live in a smaller city or town.

For easy comparison, once you complete this quick form, the coverage information gets sent to agents in your area who can give free rate quotes to get your business. It’s much easier because you don’t need to find an agent as quotes are delivered directly to you. If you wish to compare prices from a particular provider, you would need to search and find their rate quote page and fill out their quote form.

If you are wanting to find an insurance agent, it helps to know the two different agency structures to choose from. Agencies are categorized either captive or independent agents depending on their company appointments. Both types can insure your vehicles properly, but we need to point out the difference between them since it can impact the kind of agent you use.

Independent Agencies or Brokers

Agents in the independent channel are not restriced to one company and that gives them the ability to insure with many different companies and get the cheapest rates. If you want to switch companies, they simply move your policy to a different company and you stay with the same agent.

When comparison shopping, we recommend you include multiple independent agents to get the most accurate price comparison.

Captive Insurance Agents

Agents that choose to be captive can only provide one company’s prices and examples are American Family, State Farm, and Allstate. Captives cannot provide prices from multiple companies so it’s a take it or leave it situation. They are very knowledgeable on the products they sell and that allows them to sell at a higher price point.

To help find insurance agents in your area, you may want to visit this directory of insurance agents in your state.

Choosing the best insurance agent needs to be determined by more than just the bottom line cost. Here are some questions you should ask.

Does the agent recommend any additional coverage?
How much will you save each year by using a higher deductible?
What insurance company do they write the most business with?
How long has the business existed?
How would your car be valued if totalled?
Which insurance companies are they affiliated with?
Do they have 24-hour customer assistance?

One last thing

The cheapest Volkswagen Eos insurance can be purchased on the web and from local agencies, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies do not provide online price quotes and usually these small, regional companies work with independent insurance agents.

We just showed you many ways to save on Volkswagen Eos insurance. The key concept to understand is the more rate quotes you have, the better likelihood of getting . Consumers could even find that the most savings is with an unexpected company. These companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate and Progressive.