Having to pay for overpriced Volkswagen Eos insurance can take a big chunk out of your personal savings and put a big crunch on your finances. Doing a price comparison is free, only takes a few minutes, and is a good way to cut your insurance bill. Big-name insurance companies like Progressive, GEICO and Farmers Insurance promote their brand names with TV and radio ads and it is challenging if not impossible to see past the geckos and flying pigs and find the best price available.
If you have a policy now or need a new policy, you can use these techniques to get lower rates while maximizing coverage. Buying car insurance is not rocket science. Drivers just need to understand the tricks to compare company rates online.
Most companies quote insurance quotes on their websites. This process is pretty easy as you simply enter your coverage information as requested by the quote form. After you submit the form their system automatically orders credit information and your driving record and quotes a price based on these factors. This streamlines rate comparisons, but the process of having to visit many different websites and type in the same information is repetitive and time-consuming. But it’s very important to get many rate quotes if you want to find the lowest price.
There is a better way to compare rates
An easier way to find lower prices requires only one form that gets price quotes from more than one company. This type of form saves time, requires much less work on your part, and makes quoting online much easier to do. After your information is entered, it is rated and you are able to buy any of the resulting price quotes.
If the quotes result in lower rates, you can simply submit the application and buy the new coverage. The whole process takes less than 15 minutes and may save quite a bit of money.
If you want to compare rates using this form now, click here to open in new window and input your coverage information. To compare your current rates, we recommend you duplicate the limits and deductibles just like they are on your policy. Using the same limits helps guarantee you will get an apples-to-apples comparison for similar insurance coverage.
The cost of insuring your cars can be expensive, but you can get discounts that you may not know about. Most are applied when you get a quote, but less common discounts must be asked for before you will receive the discount. If they aren’t giving you every credit possible, you are paying more than you should be.
It’s important to note that most discounts do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears it’s possible to get free car insurance, it just doesn’t work that way. Any qualifying discounts will help reduce the cost of coverage.
Insurance companies that may have these money-saving discounts include:
Check with each company how you can save money. Savings may not apply in every state.
When choosing the best auto insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different so your insurance should reflect that For example, these questions might help in determining whether or not you could use an agent’s help.
If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.
Understanding the coverages of a insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are the normal coverages available from insurance companies.
Collision insurance will pay to fix damage to your Eos resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.
Collision insurance covers things like hitting a parking meter, rolling your car, sustaining damage from a pot hole and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also bump up the deductible to bring the cost down.
Auto liability insurance
Liability coverage protects you from damages or injuries you inflict on other people or property. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.
Liability coverage pays for things such as repair bills for other people’s vehicles, funeral expenses, bail bonds, attorney fees and structural damage. How much coverage you buy is your choice, but buy as high a limit as you can afford.
Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims like hail damage, damage from getting keyed, rock chips in glass, vandalism and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Medical expense coverage
Medical payments and Personal Injury Protection insurance reimburse you for bills such as ambulance fees, funeral costs, prosthetic devices, EMT expenses and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage
Uninsured or underinsured coverage
Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Volkswagen Eos.
Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time the UM/UIM limits are similar to your liability insurance amounts.