Compare Volkswagen Eos Insurance Quotes in Plano

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Insurance quote for Volkswagen Eos in PlanoShockingly, most insurance customers have stayed with the same insurance company for at least the last four years, and 38% of customers have never even shopped around for affordable coverage. Most drivers in Texas could save as much as 70% each year just by comparing rates, but they don't understand how simple it is to find affordable insurance by shopping around.

The preferred way to get cheaper Volkswagen Eos insurance is to start comparing rates regularly from companies that sell auto insurance in Plano.

  • Step 1: Get a basic knowledge of how insurance companies determine prices and the modifications you can make to keep rates low. Many risk factors that are responsible for high rates such as accidents, traffic tickets, and an unfavorable credit rating can be rectified by making lifestyle changes or driving safer. Keep reading for ideas to get affordable coverage and get bigger discounts that may have been overlooked.
  • Step 2: Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only quote rates from one company like GEICO or Farmers Insurance, while agents who are independent can give you price quotes from multiple insurance companies.
  • Step 3: Compare the quotes to your current policy to see if switching to a new carrier will save money. If you find better rates and buy the policy, ensure coverage does not lapse between policies.
  • Step 4: Tell your current agent or company to cancel the current policy and submit a completed application and payment to the new company. Don't forget to store the certificate of insurance in your vehicle's glove compartment or console.

One thing to remember is to try to compare the same deductibles and limits on each quote request and and to get rates from every insurance company. This enables a level playing field and a better comparison of the market.

Informed Drivers Can Reduce Insurance Rates

Many factors are part of the calculation when you get your auto insurance bill. Some are obvious such as your driving record, although others are more obscure like your vehicle usage and annual miles driven.

The following are some of the items insurance companies consider when setting your rate level.

Discounts for auto and home policies - The majority of insurance companies afford lower prices to policyholders who have multiple policies with them. It's known as a multi-policy discount. The discount can add up to five, ten or even twenty percent. Even though this discount sounds good, drivers will still want to compare other Plano Eos insurance rates to guarantee you are still saving the most.

Why do you need liability? - Liability insurance is the protection in the event that you are found to be at fault for personal injury or accident damage. Liability provides legal defense which can cost a lot. Liability is cheap compared to comp and collision, so insureds should have plenty of protection for their assets.

Type of car, truck or SUV determines base premiums - The performance level of the car you own makes a significant difference in determining your rates. The lowest premiums tend to be for the lowest performance passenger cars, but the cost you end up paying is determined by many additional factors.

The following chart uses these variables: single male driver age 50, full coverage with $500 deductibles, and no discounts or violations. It shows Volkswagen Eos rates compared to other makes and models that have different performances.

Policy add-ons may be wasting money - Insurance companies have many extra coverages you can purchase if you aren't diligent. Coverage for things like personal injury protection, death and dismemberment, and extra equipment coverage could be just wasting money. They may seem good when buying your policy, but if they're wasting money consider taking them off your policy.

Don't cancel your coverage without a new one in place - Having an insurance coverage lapse will be a fast way to increase your rates. And not only will insurance be more expensive, failure to provide proof of insurance may earn you a fine, jail time, or a revoked license. You may then be required to file a SR-22 with the Texas DMV.

Commute or pleasure use - Driving more miles each year the higher your rates will be. Many insurance companies charge to insure your cars determined by how the vehicle is used. Vehicles that have low annual miles can get a lower rate than vehicles that are driven to work every day. A policy that improperly rates your Eos may be costing you. It's a good idea to make sure your insurance policy shows the correct usage for each vehicle, because it can save money.

More traffic equals higher premiums - Residing in a rural area can save you money when insuring your vehicles. People who live in big cities have congested traffic and more severe claims. Less people means reduced accidents in addition to fewer liability claims.

Loss statistics for a Volkswagen Eos - Auto insurance companies use statistical claims data to help determine rates. Vehicles that the statistics show to have higher frequency or amount of claims will have higher rates for specific coverages.

The next table shows the collected loss data for Volkswagen Eos vehicles. For each coverage category, the statistical loss for all vehicles, without regard to make or model, is represented as 100. Values that are 100 or less suggest a positive loss record, while numbers shown that are more than 100 indicate more frequent claims or larger claims.

Volkswagen Eos Insurance Claim Statistics
Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Volkswagen Eos Convertible 88 77 78 76
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Volkswagen Eos insurance rates and statistics

The price information displayed next highlights estimates of insurance coverage prices for Volkswagen Eos models. Having a better idea how insurance policy rates are figured can aid in making smart policy decisions.

Volkswagen Eos Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
EOS Komfort Turbo 2-Dr Convertible $336 $642 $392 $24 $118 $1,512 $126
EOS Luxury Turbo 2-Dr Convertible $336 $642 $392 $24 $118 $1,512 $126
Get Your Own Custom Quote Go

Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Prices do not factor in the specific area where the vehicle is garaged which can influence premium rates greatly.

Rate comparison for different deductibles

A question often asked by Plano drivers is the level to set your comp and collision deductibles. The comparison tables below illustrate the rate difference when you select higher and lower policy deductibles. The first rate comparisons uses a $250 comprehensive and collision deductible and the second set of rates uses a $500 deductible.

Volkswagen Eos insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
EOS Komfort Turbo 2-Dr Convertible $332 $584 $382 $22 $114 $1,459 $122
EOS Luxury Turbo 2-Dr Convertible $332 $584 $382 $22 $114 $1,459 $122
Get Your Own Custom Quote Go
Volkswagen Eos insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
EOS Komfort Turbo 2-Dr Convertible $270 $472 $382 $22 $114 $1,260 $105
EOS Luxury Turbo 2-Dr Convertible $270 $472 $382 $22 $114 $1,260 $105
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Rates do not factor in vehicle garaging location which can change coverage rates greatly.

Based on the figures above, using a $250 deductible will cost in the ballpark of $17 more each month or $204 for a full year averaged for all Eos models than opting for the higher $500 deductible. Since you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you normally go at least 15 months between claims, you would save more money if you decide on a higher deductible.

The information below highlights how deductible choice and can raise or lower Volkswagen Eos insurance rates for different age groups. The prices are based on a married female driver, full coverage, and no discounts are applied to the premium.

Rate comparison of males versus females

The diagram below illustrates the difference between Volkswagen Eos premium costs for male and female drivers. The data is based on no violations or accidents, comprehensive and collision coverage, $100 deductibles, drivers are single, and no additional discounts are factored in.

Affordable Plano insurance quotes with discounts

The price of auto insurance can be rather high, but you might be missing out on some discounts that could drop your premiums quite a bit. Larger premium reductions will be automatically applied at quote time, but a few must be requested specifically before you will receive the discount.Cheaper insurance with discounts

  • Discount for Low Mileage - Low mileage vehicles could be rewarded with discounted prices on garaged vehicles.
  • Claim-Free Discount - Insureds who avoid accidents and claims pay much less as compared to drivers with a long claim history.
  • Memberships - Being a member of specific professional or occupational memberships or organizations may earn a discount on your policy.
  • Policy Bundle Discount - If you can combine your home and auto policy and insure them both with the same insurance company you may save up to 20% and get you low cost Volkswagen Eos insurance.
  • Drivers Education - Make teen driver coverage more affordable by requiring them to successfully take a driver's education course in school or through a local driver safety program.
  • Life Insurance - Not all companies offer life insurance, but some may give you a lower rate if you buy life insurance.

Don't be shocked that most discounts do not apply to the whole policy. Some only apply to individual premiums such as medical payments or collision. Despite the appearance that all the discounts add up to a free policy, nobody gets a free ride.

The information below illustrates the comparison of Volkswagen Eos premium costs with and without some available policy discounts. The data is based on a female driver, no tickets, no at-fault accidents, Texas state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, marriage, multi-car, multi-policy, and homeowner discounts applied.

Some of the insurance companies that may include many of the previously listed discounts may include but are not limited to:

If you need affordable Plano car insurance quotes, ask each company or agent the best way to save money. Some credits might not be offered on policies in Plano. To find insurance companies who offer free Volkswagen Eos insurance quotes in Plano, click here.

Cheap coverage is out there

We just covered a lot of ways to compare Volkswagen Eos insurance premium rates in Plano. It's most important to understand that the more rate comparisons you have, the better your chances of lowering your prices. You may even discover the biggest savings come from the smaller companies. These companies can often provide lower prices in certain areas compared to the large companies like Progressive or GEICO.

When buying insurance coverage, you should never buy lower coverage limits just to save a few bucks. In many instances, an accident victim reduced liability limits or collision coverage to discover at claim time that the savings was not a smart move. The proper strategy is to buy a smart amount of coverage at the best cost while still protecting your assets.

Affordable Volkswagen Eos insurance in Plano is possible on the web in addition to many Plano insurance agents, and you should be comparing both to have the best chance of lowering rates. Some insurance companies do not provide price quotes online and most of the time these small, regional companies provide coverage only through local independent agents.

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