Cheapest Volkswagen Eos Insurance in Columbus

It’s an obvious assumption that auto insurance companies want to keep you from shopping around. Insureds who shop around for cheaper price quotes are inclined to buy a new policy because there is a good chance of finding a cheaper policy. A survey found that consumers who shopped around every year saved as much as $72 a month compared to people who never shopped around.

If finding budget-friendly rates on car insurance in Columbus is the reason you’re here, then learning about how to find and compare car insurance can make it easier for you to save money.

If you want to save the most money, the best way to get affordable Volkswagen Eos insurance is to begin comparing prices regularly from companies in Columbus.

1. Spend some time learning about coverages and the measures you can control to keep rates in check. Many factors that drive up the price such as accidents, traffic tickets, and an unacceptable credit history can be amended by improving your driving habits or financial responsibility.
2. Compare price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only quote rates from one company like Progressive or Allstate, while independent agencies can quote prices from multiple insurance companies.
3. Compare the quotes to the price on your current policy to see if cheaper Eos coverage is available in Columbus. If you find a lower rate, make sure coverage is continuous and does not lapse.
4. Provide proper notification to your current company of your decision to cancel your current auto insurance policy and submit the completed application along with a down payment to your new insurance company. Once the paperwork is finalized, place your new certificate verifying coverage along with your vehicle registration.

One important bit of advice is that you’ll want to compare the same liability limits and deductibles on each quote and and to look at all possible companies. This provides an apples-to-apples comparison and the most accurate and complete price analysis.

When quoting insurance, remember that comparing a wide range of rates will improve the odds of getting more affordable rates. Not every company does price estimates online, so you should also compare price estimates on coverage from those companies, too.

The companies shown below can provide comparison quotes in Columbus, OH. If several companies are displayed, we suggest you compare several of them to get a more complete price comparison.

Save a ton by taking advantage of discounts

Some insurance providers don’t always publicize all discounts in an easy-to-find place, so the following is a list of some of the more common as well as the least known credits available to you.

• Use Seat Belts – Buckling up and requiring all passengers to use a seat belt may be able to save a few bucks on the premium charged for medical payments and/or PIP.
• No Charge for an Accident – This one isn’t a discount, but some companies like Allstate, State Farm and GEICO permit an accident before they charge you more for coverage so long as you are claim-free prior to being involved in the accident.
• Early Signing – Select insurance companies give a discount for buying a policy early. The savings is around 10%.
• ABS and Traction Control Discounts – Cars, trucks, and SUVs that have steering control and anti-lock brakes have fewer accidents and therefore earn up to a 10% discount.
• Driver Training Discounts – Taking a course that instructs on driving safety is a good idea and can lower rates and easily recoup the cost of the course.
• Government Employee Discount – Simply working for the federal government may reduce rates when you quote Columbus car insurance depending on your insurance provider.

One thing to note about discounts is that some credits don’t apply to your bottom line cost. Some only apply to the cost of specific coverages such as collision or personal injury protection. So even though you would think you could get a free insurance policy, company stockholders wouldn’t be very happy.

The illustration below visualizes the comparison of Volkswagen Eos premium costs with and without discounts applied to the policy rates. The premiums are based on a male driver, no tickets, no at-fault accidents, Ohio state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, marriage, homeowner, safe-driver, and claim-free discounts applied.

A list of insurance companies and some of the premium reductions they offer are shown below.

• Farm Bureau may include discounts for driver training, renewal discount, multi-policy, good student, 55 and retired, safe driver, and multi-vehicle.
• State Farm offers discounts for multiple autos, safe vehicle, multiple policy, Drive Safe & Save, defensive driving training, driver’s education, and Steer Clear safe driver discount.
• Progressive includes discounts for online signing, good student, continuous coverage, homeowner, online quote discount, and multi-policy.
• Allstate offers discounts including early signing, FullPay discount, passive restraint, farm vehicle, and 55 and retired.
• Nationwide policyholders can earn discounts including defensive driving, easy pay, accident-free, anti-theft, and good student.
• MetLife may offer discounts for good driver, claim-free, defensive driver, accident-free, multi-policy, good student

When getting free Columbus car insurance quotes, it’s a good idea to all the companies to apply every possible discount. Some of the earlier mentioned discounts may not apply to policies in Columbus. For a list of insurance companies who offer online Volkswagen Eos insurance quotes in Columbus, click here to view.

Insurance rate breakdown

The rate table below covers detailed analysis of insurance policy prices for Volkswagen Eos models. Being able to understand how insurance premiums are calculated can help customers make decisions on which coverage to buy.

Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Rate quotes do not factor in vehicle location which can influence auto insurance rates greatly.

Higher deductibles lower rates

One frequently asked question is how high or low should comp and collision deductibles be. The comparison tables below approximate the differences in price when you buy lower versus higher physical damage deductibles. The first data set uses a $100 deductible for comprehensive and collision coverage and the second data table uses a $500 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Price estimates do not factor in garaging location in Columbus which can alter coverage rates considerably.

Using the premium rates above, we can conclude that using a $100 deductible costs approximately $19 more each month or $228 every year across all Volkswagen Eos models than selecting the higher $500 deductible. Because you would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you usually have more than 21 months between claims, you would more than likely save some money if you choose a higher deductible.

Comparison of insurance rates by age and gender

The diagram below illustrates the comparison of Volkswagen Eos car insurance rates for male and female drivers. The premiums assume no accidents or driving violations, comprehensive and collision coverage, $100 deductibles, marital status is single, and no discounts are applied.

Does it make sense to buy full coverage?

The chart below shows the difference between Volkswagen Eos car insurance rates with and without physical damage coverage. The premium estimates are based on no violations or accidents, $250 deductibles, marital status is single, and no discounts are taken into consideration.

Should you pay for full coverage?

There is no written rule of when to eliminate comprehensive and collision coverage on your policy, but there is a general convention. If the yearly cost of full coverage is more than about 10% of any settlement you would receive from your insurance company, then it could be time to drop full coverage.

For example, let’s say your Volkswagen Eos claim settlement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $2,000 after the policy deductible has been paid. If you are paying over $200 a year for physical damage coverage, the it may be a good time to stop paying for full coverage.

There are some conditions where dropping full coverage is not financially feasible. If you still owe a portion of the original loan, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should keep full coverage in place.

Shop online but buy locally

Many people prefer to talk to an insurance agent and that is OK! One of the best bonuses of comparing rate quotes online is you can get lower rates and still buy from a local agent. Buying from and supporting small agencies is definitely important in Columbus.

To find an agent, once you fill out this quick form, your insurance data is immediately sent to companies in Columbus who will gladly provide quotes for your business. It makes it easy because there is no need to search for an agent since price quotes are sent to the email address you provide. It’s the lowest rates without having to waste a lot of time. If you wish to compare prices from a specific company, feel free to go to their quote page and give them your coverage information.

When searching for an insurance agent, it’s helpful to know the different agency structures to choose from. Insurance agencies in Columbus may be either exclusive or independent (non-exclusive).

Independent Agents (or Brokers)

These type of agents can sell policies from many different companies so they can write business with lots of companies enabling the ability to shop coverage around. To transfer your coverage to a different company, the agent simply finds a different carrier which makes it simple for you.

When shopping rates, we highly recommend that you get quotes from at least one independent agent to have the best price comparison. Most also have access to smaller mutual companies which could offer lower prices.

Shown below are Columbus independent agencies who may be able to give you rate quotes.

• Soller Insurance Agency
  891 S James Rd – Columbus, OH 43227 – (614) 235-2815 – View Map
• Nationwide Insurance – Nick Miller and Assoc Ins Agency Inc
  6834 Caine Rd – Columbus, OH 43235 – (614) 889-0701 – View Map
• Central Ohio Insurance Services, Inc
  1205 Hill Rd N – Pickerington, OH 43147 – (614) 861-3100 – View Map

View more agents

Exclusive Auto Insurance Agents

These agents write business for a single company and some examples include American Family, State Farm, and Allstate. Exclusive agents cannot shop your coverage around so they have no alternatives for high prices. Exclusive insurance agents are usually well trained on their company’s products which helps them sell on service rather than price. Many people choose to use an exclusive agent mainly due to high brand loyalty rather than having the cheapest rates.

Shown below are Columbus exclusive agencies who can help you get price quote information.

• American Family Insurance – Patricia Dews
  114 Norton Rd – Columbus, OH 43228 – (614) 878-9720 – View Map
• Meghan Humphreys – State Farm Insurance Agent
  3468 N High St a – Columbus, OH 43214 – (614) 754-9855 – View Map
• Gary Bepler – State Farm Insurance Agent
  3246 Noe Bixby Rd – Columbus, OH 43232 – (614) 837-4379 – View Map

View more agents

Selecting a insurance agency shouldn’t rely on just a low price. These are some questions you should get answers to.

• Do the coverages you’re quoting properly cover your vehicle?
• Do they make recommendations based only on price?
• Do they offer accident forgiveness?
• Can they provide you with a list of referrals?
• Is the agency covered by Errors and Omissions coverage?
• Are they involved in claim handling?

After you get good answers and an acceptable price quote, it’s a good possibility that you have found an auto insurance agent that can be relied on to insure your vehicles.

There’s no such thing as the perfect auto insurance policy

Always keep in mind that when comparing a policy for your vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s so your insurance needs to address that.
Here are some questions about coverages that can help discover whether or not you might need professional guidance.

• Am I covered if I hit a deer?
• When can I cancel my policy?
• How can I force my company to pay a claim?
• Do all my vehicles need collision coverage?
• When should I drop full coverage on my Volkswagen Eos?
• Can I insure my car for more than it’s worth?
• Is coverage enough to protect my assets?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

What Impacts Volkswagen Eos Insurance Rates?

Many different elements are part of the equation when you get a price on insurance. Some of the criteria are obvious like a motor vehicle report, but others are more transparent such as your credit history and annual miles driven. The best way to find cheaper car insurance is to take a look at some of the factors that go into determining the level of your policy premiums. If you have a feel for what impacts premium levels, this helps enable you to make changes that can help you get lower rates.

The factors shown below are some of the things used by insurance companies to determine rates.

• Higher rates for specific vocations – Careers like lawyers, architects, and miners generally have the highest rates due to intense work requirements and lots of time spent at work. Other jobs like scientists, athletes and retirees have lower than average premiums.
• Lower rates for cars with good safety ratings – Vehicles with good safety scores tend to have better insurance rates. Safer cars reduce the chance of injuries and fewer serious injuries means lower claim amounts and lower rates for you. If your Volkswagen has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.
• GPS tracking and theft deterrents reduce prices – Choosing a vehicle that has a built-in theft deterrent system can get you a discount on your car insurance. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your vehicle from being stolen.
• Car insurance policy lapses increase prices – Driving with no insurance can get you a ticket and any future policy may cost more because you let your insurance lapse for non-payment. And not only will your rates increase, being ticketed for driving with no insurance could earn you fines or a revoked license. You could then be forced to provide proof of insurance in the form of an SR-22 filing with the Ohio motor vehicle department to get your license reinstated.
• Add-on coverages are wasting money – There are a lot of add-on coverages that you can buy when buying car insurance. Add-on coverages like rental car coverage, accident forgiveness, and membership fees are some examples. These coverages may sound good at first, but if you’ve never needed them in the past remove them from your policy.
• Combine policies to earn discounts – Most major car insurance companies will give lower prices to policyholders who consolidate policies with them in the form of a multi-policy discount. The discount can add up to anywhere from five to ten percent in most cases. Even with this discount, you still need to compare other company rates to help guarantee you have the best rates. You may still be able to find lower rates even if you insure with multiple companies

• Loss statistics for a Volkswagen Eos – Car insurance companies include the past claim trends for vehicles to help calculate a profitable premium rate. Models that are shown to have higher prevalence or dollar amount of losses will have higher rates for specific coverages.

  The data below shows the compiled insurance loss statistics for Volkswagen Eos vehicles. For each type of coverage, the claim amount for all vehicles, without regard to make or model, equals 100. Values below 100 indicate better than average losses, while numbers that are greater than 100 indicate higher probability of having a loss 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

Auto insurance is not optional in Ohio

Despite the high cost, buying auto insurance serves several important purposes.

• Just about all states have mandatory insurance requirements which means you are required to buy specific limits of liability if you want to drive legally. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you bought your Volkswagen Eos with a loan, almost all lenders will have a requirement that you have insurance to guarantee payment of the loan. If coverage lapses or is canceled, the bank may buy a policy for your Volkswagen for a lot more money and force you to reimburse them for the expensive policy.
• Insurance safeguards your Volkswagen Eos and your assets. It will also pay for medical bills for you, your passengers, and anyone else injured in an accident. Liability insurance also covers legal expenses if someone files suit against you as the result of an accident. If mother nature or an accident damages your car, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.

The benefits of insuring your Eos more than cancel out the cost, specifically if you ever have a liability claim. But the average driver in Ohio overpays as much as $830 a year so compare rate quotes at every policy renewal to make sure the price is not too high.

In conclusion

Budget-friendly auto insurance in Columbus is definitely available on the web in addition to local insurance agencies, so you should be comparing quotes from both to have the best rate selection. Some insurance companies don’t offer online rate quotes and these smaller providers provide coverage only through independent agents.

You just learned a lot of ways to reduce Volkswagen Eos insurance rates online in Columbus. The most important thing to understand is the more rate quotes you have, the better likelihood of getting affordable Columbus car insurance quotes. Drivers may even discover the most savings is with a company that doesn’t do a lot of advertising. Some small companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate and Progressive.

As you restructure your insurance plan, it’s not a good idea to reduce needed coverages to save money. In too many instances, someone sacrificed physical damage coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy a smart amount of coverage at a price you can afford.

More tips and info about auto insurance is available at these sites:

• Uninsured Motorists: Threats on the Road (Insurance Information Institute)
• Who Has Affordable Columbus Car Insurance for a Toyota Tundra? (FAQ)
• Who Has Cheap Auto Insurance Quotes with Multiple Speeding Tickets in Columbus? (FAQ)
• What Auto Insurance is Cheapest for a 20 Year Old Male in Columbus? (FAQ)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
• State Car Insurance Guides (GEICO)
• Young Drivers: The High Risk Years Video (iihs.org)