Save Money on Volkswagen Eos Insurance in Dallas

The preferred way to get more affordable car insurance rates is to compare quotes annually from different companies in Dallas. You can compare rates by completing these steps.

• Step 1: Get a basic knowledge of how companies set rates and the measures you can take to keep rates low. Many risk factors that result in higher prices such as at-fault accidents and a bad credit rating can be remedied by making small lifestyle or driving habit changes. Keep reading for tips to get low prices and find missing discounts.
• Step 2: Compare price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like Progressive and State Farm, while independent agencies can quote prices for a wide range of companies.
• Step 3: Compare the new rate quotes to your current policy premium to see if a cheaper rate is available. If you find better rates and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.
• Step 4: Provide proper notification to your current company of your intention to cancel your current auto insurance policy. Submit payment and a completed application to your new agent or company. Once the paperwork is finalized, put the new proof of insurance paperwork in an easily accessible location.

One tip to remember is to try to compare identical deductibles and limits on each quote request and and to get rate quotes from as many companies as you can. This guarantees a fair rate comparison and many rates to choose from.

We don’t have to tell you that car insurance companies want to keep you from comparing prices. Insureds who shop around for a cheaper policy are inclined to switch companies because there is a high probability of finding a policy with better rates. A study showed that people who compared rates regularly saved $3,500 over four years compared to policyholders who never shopped for cheaper rates.

If finding discount rates on Volkswagen Eos insurance in Dallas is your intention, then understanding the best ways to shop for insurance premiums can help you be more efficient.

Most major insurance companies give insurance quotes on their websites. Obtaining pricing for Volkswagen Eos insurance in Dallas can be done by anyone as you simply enter your required coverages as detailed in the form. After you complete the form, their rating system makes automated requests for reports for credit and driving violations and provides a quote based on many factors.

The ability to get online price quotes for Volkswagen Eos insurance in Dallas streamlines rate comparisons, and it’s necessary to compare as many rates as possible if you want to find a better rate.

In order to find out what other companies charge, compare quotes from the companies shown below. To compare your current rates, we recommend you enter the insurance coverages as close as possible to your current policy. Doing this assures you will have a price comparison using the same coverage and limits.

The companies shown below have been selected to offer comparison quotes in Texas. If multiple companies are listed, we recommend you visit as many as you can to get the best price comparison.

Coverage analysis

The rate information shown below highlights a range of insurance costs for Volkswagen Eos models. Understanding more about how auto insurance prices are determined can be of help when making informed decisions when shopping around for a new policy.

Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Price information does not factor in specific garaging location which can increase or decrease premium rates considerably.

Higher deductibles save money

One of the more difficult decisions when buying insurance is at what level do you set your deductibles. The data tables below can help show the differences in premium rates of buying low and high comp and collision deductibles. The first price estimate table uses a $100 comprehensive and collision deductible and the second rate table uses a $500 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Premium amounts do not factor in specific Dallas garaging location which can decrease or increase coverage prices considerably.

Based on these figures, using a $100 deductible costs about $29 more each month or $348 for a full year than selecting the higher $500 deductible. Due to the fact that you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you average at a minimum 14 months between claim filings, you would come out ahead if you decide on a higher deductible. The numbers below show an example of how you can do this calculation yourself.

One important note is that raising deductibles means you will have to pay more of your own money when you have a claim. You should have enough disposable income in the event you have to pay the deductible to have repairs made.

The information below demonstrates how deductibles and can change Volkswagen Eos insurance rates for different categories of driver ages. The premiums are based on a married male driver, full physical damage coverage, and no policy discounts are applied.

Should you buy full coverage?

The illustration below illustrates the difference between Volkswagen Eos premium costs with liability coverage only compared to full coverage. The price estimates are based on no accidents or driving violations, $1,000 deductibles, single marital status, and no discounts are applied to the premium.

When to buy liability coverage only

There is no exact formula of when to eliminate full coverage, but there is a general school of thought. If the annual cost of having full coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s assume your Volkswagen Eos settlement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would receive is $8,000 after the deductible is paid. If you are paying over $800 a year to have full coverage, then you may need to consider dropping full coverage.

There are a few cases where dropping physical damage coverage is not in your best interest. If you still owe money on your vehicle, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should keep full coverage.

Three good reasons to insure your Volkswagen vehicle

Despite the high cost, insuring your vehicle is mandatory in Texas but it also protects more than you think.

First, most states have mandatory insurance requirements which means the state requires a specific level of liability coverage if you drive a vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if your Eos has a loan, it’s guaranteed your bank will make it mandatory that you have comprehensive coverage to ensure the loan is repaid in case of a total loss. If you default on your policy, the lender will be forced to insure your Volkswagen at a more expensive rate and require you to reimburse them the higher price.

Third, auto insurance protects both your vehicle and your assets. It will also pay for medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance also pays for attorney fees and expenses in the event you are sued. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of having auto insurance are without a doubt worth the cost, particularly for liability claims. Unknowingly, the average driver is overpaying more than $700 annually so shop around at every policy renewal to make sure the price is not too high.

Smart Buyers Can Cut Insurance Costs

Part of the auto insurance buying process is learning some of the things that play a part in calculating your auto insurance rates. If you have some idea of what positively or negatively impacts your premiums, this allows you to make educated decisions that can earn you better auto insurance rates.

The items below are some of the most rate-impacting factors used by insurance companies to determine your rates.

• Eliminate unneeded extra policy coverages – Policies have add-on coverages that you can buy on your auto insurance policy. Coverage for things like roadside assistance, high-cost glass coverage, and term life insurance may be costing you every month. The coverages may be enticing initially, but if you’ve never needed them in the past remove them and pocket the money.
• Drive lots and pay more – Driving more miles every year the more you’ll pay to insure it. A lot of insurance companies charge to insure your cars based on their usage. Cars and trucks used primarily for pleasure use receive lower rates than those used for commuting. It’s a good idea to make sure your auto insurance policy reflects the correct usage for each vehicle. An incorrectly rated Eos is just wasting money.
• What are your deductibles? – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your vehicle. Examples of some claims that would be covered are running into the backend of another car, damage caused by hail, or theft. The deductibles you choose state the amount of money the insured will be required to pay if you file a covered claim. The more damage repair cost the insured is willing to pay, the lower your rates will be.

• Gender and insurance – Statistics show women tend to be less risk to insure than men. However, don’t assume that men are worse drivers. Both genders cause accidents at about the same rate, but guys get into accidents with more damage. Men also statistically have more aggressive citations such as reckless driving. Youthful male drivers cause the most accidents and therefore pay the highest rates.

  The chart below shows the comparison of Volkswagen Eos insurance costs for male and female drivers. The prices are based on no claims or driving violations, full coverage, $1,000 deductibles, single marital status, and no discounts are taken into consideration.

• Your spouse saves you money – Getting married may cut your premiums when shopping for auto insurance. Having a spouse is viewed as being more stable financially and it’s proven that married drivers tend to file fewer claims.
• High auto insurance claims frequency drives up auto insurance rates – Car insurance companies in Texas generally give lower rates to people who do not file claims often. If you’re an insured who likes to file claims you can expect either higher rates or even cancellation. Insurance coverage is intended to be relied upon for the large, substantial claims.
• Compare rates if you combine your policies – Most major auto insurance companies will award a discount to customers that buy multiple policies. It’s known as a multi-policy discount. Even if you qualify for this discount already, it’s still a good idea to compare other company rates to verify if the discount is saving money. It’s possible to still save even more by buying auto insurance from a different company.

• Volkswagen Eos insurance loss probability – Insurance companies use historical loss data as a way to help calculate a profitable premium rate. Models that statistically have higher claim frequency or loss amount will have higher premium rates. The data below shows the historical insurance loss data for Volkswagen Eos vehicles.

  For each type of coverage, the loss probability for all vehicles, as a total average, is set at 100. Values under 100 are indicative of better than average losses, while values over 100 point to more losses or statistically larger losses.

  
  

  Auto Insurance Loss Data for Volkswagen Eos Models

  Make and 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
  Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Auto insurance quotes and discounts

Companies do not list all possible discounts in a way that’s easy to find, so we break down a few of the more common as well as some of the hidden credits available to lower your premiums when you buy Dallas car insurance online.

• Lower Rates for Military – Having a deployed family member could be rewarded with lower rates.
• Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase a life insurance policy as well.
• Homeowners Savings – Being a homeowner can save a few bucks due to the fact that maintaining a home requires a higher level of personal finance.
• Accident Forgiveness – This one is not really a discount per se, but a handful of insurance companies may permit one accident before your rates go up if your claims history is clear prior to being involved in the accident.
• Discounts for Safe Drivers – Drivers without accidents can get discounts for up to 45% lower rates compared to rates paid by drivers with frequent claims.

As a footnote on discounts, most of the big mark downs will not be given to the overall cost of the policy. Most cut the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

The example below compares Volkswagen Eos insurance premiums with and without some available policy discounts. The premiums are based on a female driver, no violations or claims, Texas state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, multi-policy, safe-driver, multi-car, and marriage discounts applied.

Larger auto insurance companies and the discounts they provide include:

• State Farm offers discounts for accident-free, Drive Safe & Save, passive restraint, multiple policy, driver’s education, safe vehicle, and defensive driving training.
• GEICO discounts include anti-theft, defensive driver, federal employee, five-year accident-free, military active duty, and seat belt use.
• SAFECO policyholders can earn discounts including safe driver, multi-car, anti-lock brakes, drive less, and homeowner.
• Farmers Insurance has savings for pay in full, early shopping, youthful driver, distant student, alternative fuel, mature driver, and homeowner.
• AAA may offer discounts for good student, multi-policy, anti-theft, AAA membership discount, education and occupation, and pay-in-full.
• USAA may include discounts for military installation, safe driver, loyalty savings, family discount, good student, and new vehicle.

Double check with every company which discounts they offer. Some of the earlier mentioned discounts may not apply to policies in your state. For a list of providers who offer cheap Volkswagen Eos insurance quotes in Dallas, click here to view.

Tailor your car insurance coverage to you

Keep in mind that when it comes to choosing a policy for your personal vehicles, there is no “perfect” insurance plan. Everyone’s situation is a little different.

For example, these questions can help discover whether your personal situation could use an agent’s help.

• Is a fancy paint job covered?
• Do I need roadside assistance coverage?
• Is my babysitter covered when using my vehicle?
• What is the difference between comprehensive and collision coverage?
• Does coverage extend to a rental car in a foreign country?
• Am I covered when pulling a rental trailer?
• Does liability extend to a camper or trailer?
• Am I covered when driving a rental car?
• Are there companies who specialize in insuring high-risk drivers?
• I have a DUI can I still get coverage?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form.

Compare rates but buy from a local Dallas insurance agency

Many drivers would prefer to buy from a local agent and that is just fine! One of the best bonuses of price shopping on the web is that you can find cheap car insurance quotes and still buy from a local agent.

For easy comparison, once you complete this form (opens in new window), the coverage information gets sent to local insurance agents in Dallas that can give you free Dallas car insurance quotes and help you find cheaper coverage. You won’t need to even leave your home because quoted prices will be sent directly to your email. You can get cheaper car insurance rates AND a local agent. If you want to quote rates from a specific company, just search and find their rate quote page and give them your coverage information.

Choosing an provider shouldn’t rely on just the quoted price. Agents should be asked these questions:

• Is the agent CPCU or CIC certified?
• Is vehicle mileage a factor when determining depreciation for repairs?
• Do they specialize in personal lines auto insurance in Dallas?
• Will the quote change when the policy is issued?
• If you raise deductibles, how much can you save?
• Will you get a loaner vehicle if you car is being repaired?
• Which companies do they recommend if they are an independent agency?
• Are you getting all the discounts the company offers?

The type of auto insurance agent you choose is important

If you are wanting to purchase car insurance from a reliable insurance agent, you need to know there are two different agency structures and how they work. Car insurance agencies are categorized either exclusive or independent (non-exclusive).

Exclusive Car Insurance Agencies

These agents have only one company to place business with like Allstate, AAA, Farmers Insurance, and State Farm. These agents are unable to give you multiple price quotes so keep that in mind. Exclusive insurance agents are usually well trained on their company’s products which helps them compete with independent agents. Many people choose to use a exclusive agent mainly due to the prominence of the brand rather than having the cheapest rates.

The following are Dallas exclusive insurance agencies that are able to give price quote information.

• John Hamman – State Farm Insurance Agent
  8330 Abrams Rd #104 – Dallas, TX 75243 – (214) 341-3050 – View Map
• Jon Essary – State Farm Insurance Agent
  1214 W Davis St – Dallas, TX 75208 – (214) 948-6000 – View Map
• John Hall – State Farm Insurance Agent
  3110 Webb Ave #205 – Dallas, TX 75205 – (972) 807-2051 – View Map

More insurance agents

Independent Car Insurance Agents

These agents are not restricted to one company and that is an advantage because they can write policies through lots of different companies and possibly get better coverage at lower prices. If you are not satisfied with one company, your agent can just switch to a different company and you don’t have to switch agencies. If you need lower rates, we recommend you compare quotes from several independent insurance agents so that you have a good selection of quotes to compare. Many independent agencies also insure through companies you’ve never heard of that many times have cheaper rates.

Below are independent insurance agencies in Dallas that are able to give price quotes.

• Northwest Insurance
  11722 Marsh Ln # 345 – Dallas, TX 75229 – (214) 352-5656 – View Map
• Porter-Brandenburg Agency
  12160 Abrams Rd – Dallas, TX 75243 – (972) 234-5588 – View Map
• JME Insurance
  5495 Belt Line Rd #333 – Dallas, TX 75254 – (972) 245-0266 – View Map

More insurance agents

Cheaper car insurance rates are out there

When trying to cut insurance costs, don’t be tempted to buy lower coverage limits just to save a few bucks. In many instances, drivers have reduced uninsured motorist or liability limits only to regret at claim time they didn’t purchase enough coverage. The goal is to buy a smart amount of coverage at the best price, not the least amount of coverage.

You just read many ways to lower your Volkswagen Eos insurance premium rates in Dallas. The most important thing to understand is the more price quotes you have, the better your chances of lowering your prices. You may even be surprised to find that the lowest premium rates come from the smaller companies.

People change insurance companies for a number of reasons such as policy non-renewal, policy cancellation, being labeled a high risk driver or high rates after DUI convictions. Whatever your reason, choosing a new insurance company can be easier than you think.

Helpful resources

• Crash Avoidance Technologies FAQ (iihs.org)
• What Car Insurance is Cheapest for a Toyota Camry in Dallas? (FAQ)
• Who Has Affordable Dallas Car Insurance for Low Credit Scores? (FAQ)
• Who Has the Cheapest Auto Insurance Quotes for a Learners Permit in Dallas? (FAQ)
• Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
• New head restraint design cuts injuries (Insurance Institute for Highway Safety)
• Keeping Children Safe in Crashes Video (iihs.org)