Trying to find low-cost insurance for a Volkswagen Eos in North Carolina could be an all-consuming task, but you can learn our car insurance buying tips to find lower rates. There are more efficient ways to compare car insurance rates and you need to know the absolute fastest way to compare rates for your Volkswagen and get the cheapest rates from both online companies and Charlotte agents.
Smart consumers take time to check car insurance prices once or twice a year because insurance prices are rarely the same from one policy term to another. If you had the best deal on Volkswagen Eos insurance in Charlotte six months ago you will most likely find a better premium rate today. Forget anything you know (or think you know) about car insurance because you’re about to learn the fastest way to save money, get proper deductibles and limits, all at the lowest rate.
Finding the cheapest car insurance coverage in Charlotte is actually very simple if you learn how to start. If you already have coverage or are shopping for new coverage, use these techniques to cut your premiums without having to cut coverage. You just have to understand how to buy car insurance over the internet.
Cheap companies for Volkswagen Eos insurance in North Carolina
The auto insurance companies shown below are our best choices to provide price quotes in Charlotte, NC. In order to find the best car insurance in Charlotte, we suggest you visit as many as you can to get a more complete price comparison.
Insurance rate breakdown
The coverage table shown below outlines different insurance policy prices for Volkswagen Eos models. Having a better idea how auto insurance policy rates are figured is important for making decisions when shopping around.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|EOS Komfort Turbo 2-Dr Convertible||$268||$560||$336||$20||$100||$1,284||$107|
|EOS Luxury Turbo 2-Dr Convertible||$268||$560||$336||$20||$100||$1,284||$107|
|Get Your Own Custom Quote Go|
Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Information does not factor in specific Charlotte garaging location which can affect rates greatly.
Impact of careless driving on insurance rates
The illustration below illustrates how traffic citations and at-fault fender-benders raise Volkswagen Eos car insurance rates for different age groups of insureds. The information is based on a single male driver, full physical damage coverage, $100 deductibles, and no other discounts are factored in.
Insurance rates based on gender
The information below shows the comparison of Volkswagen Eos insurance costs for male and female drivers. The data is based on no claims or violations, comp and collision included, $1,000 deductibles, marital status is single, and no discounts are taken into consideration.
Don’t overlook these eight Volkswagen Eos insurance discounts
Companies don’t list their entire list of discounts very clearly, so below is a list a few of the more well known as well as some of the hidden credits available to bring down your rates.
- Buy New and Save – Insuring a vehicle that is new can get you a discount compared to insuring an older model.
- Onboard Data Collection – Policyholders that allow their company to study their driving habits by using a telematic data system such as Progressive’s Snapshot could see a rate decrease if they are good drivers.
- Federal Employees – Employees or retirees of the government could provide a small rate reduction with a few car insurance companies.
- Multi-line Discount – Larger companies have a small discount if you purchase some life insurance in addition to your auto policy.
- Responsible Driver Discounts – Insureds who avoid accidents can save as much as half off their rates than less cautious drivers.
- Anti-lock Brake Discount – Vehicles with ABS braking systems or traction control can reduce accidents and earn discounts up to 10%.
- Driver Safety – Completing a driver safety course may get you a small discount if your company offers it.
- Payment Discounts – If paying your policy premium upfront instead of making monthly payments you may have a lower total premium amount.
Keep in mind that some of the credits will not apply to the whole policy. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Despite the fact that it seems like you would end up receiving a 100% discount, you’re out of luck.
The information below illustrates the difference between Volkswagen Eos insurance rates with and without discounts. The premiums are based on a female driver, a clean driving record, no at-fault accidents, North Carolina state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, multi-car, homeowner, marriage, and claim-free discounts applied.
To see insurance companies that offer discounts in North Carolina, click this link.
Insurance is unique, just like you
When selecting the right insurance coverage for your vehicles, there really is no “perfect” insurance plan. Everyone’s situation is a little different and your insurance should unique, too.
Here are some questions about coverages that might help in determining if you would benefit from professional advice.
- Will my rates increase for filing one claim?
- Which companies are cheaper for teen drivers?
- Why am I required to buy high-risk coverage?
- Can my babysitter drive my car?
- Does coverage extend to my business vehicle?
- What is motorclub and do I need it?
- Does insurance cover damages from a DUI accident?
If you’re not sure about those questions, you might consider talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.
Compare rates but buy from a local Charlotte insurance agency
Some consumers just want to sit down and talk to an agent. Experienced insurance agents can help you choose the best coverages and will help you if you have claims. One of the great benefits of comparing rates online is that you can obtain the lowest rates but also keep your business local.
Upon completion of this simple form, the quote information is emailed to participating agents in Charlotte who will return price quotes for your coverage. You won’t need to find an agent on your own as quotes are delivered directly to you. If you want to get a comparison quote for a specific company, don’t hesitate to search and find their rate quote page and fill out the quote form the provide.
Choosing the best insurance company should include more criteria than just the premium amount. These are valid questions to ask:
- Do they get extra compensation for selling add-on coverages?
- Are there any discounts that you might be missing?
- Is there any savings for paying the full premium?
- Do you work with a CSR or direct with the agent?
- Do they see any coverage gaps in your plan?
- Will they give you a referral list?
- What are the financial ratings for the companies they represent?
Independent or Exclusive: It’s your choice
If you want to use a reliable insurance agency, it’s helpful to know the types of agencies and how they can write your policy. Charlotte agents can be classified as either exclusive or independent (non-exclusive). Either one can insure your vehicles properly, but it is important to understand the difference in the companies they write for because it may have an impact on which type of agent you select.
These agents write business for a single company such as State Farm, Allstate and AAA. Exclusive agencies are unable to place coverage with different providers so if the price isn’t competitive there isn’t much they can do. They are usually quite knowledgeable on what they offer which helps them compete with independent agents. Consumers sometimes choose to use a exclusive agent partially due to loyalty to the company rather than low rates.
Listed below is a list of exclusive insurance agencies in Charlotte willing to provide price quote information.
- Howard Johnson Jr – State Farm Insurance Agent
5342 Docia Crossing Rd a – Charlotte, NC 28269 – (704) 947-7233 – View Map
- Kyle Fadeley – State Farm Insurance Agent
13551 Steelecroft Pkwy #120 – Charlotte, NC 28278 – (704) 588-5585 – View Map
- GEICO Insurance Agent
4651 South Blvd Suite B – Charlotte, NC 28209 – (704) 523-2886 – View Map
Independent Car Insurance Agents
Agents in the independent channel do not sell for just one brand so as a result can place your coverage with an assortment of companies and potentially find a lower price. If you want to switch companies, your policy is moved internally and you don’t have to do anything.
When shopping rates, we recommend you include rate quotes from several independent insurance agents so that you have a good selection of quotes to compare. Many write coverage with lesser-known insurance companies which can save you money.
Shown below is a list of independent insurance agencies in Charlotte who can help you get price quote information.
- Pegram Insurance
4420 C The Plaza – Charlotte, NC 28215 – (704) 563-4343 – View Map
- Craig and Preston Insurance Agency
2210 Coronation Blvd Suite A – Charlotte, NC 28227 – (704) 321-2900 – View Map
- Swimmer Insurance Agency
725 Providence Rd #100 – Charlotte, NC 28207 – (704) 333-6694 – View Map
If you get positive feedback as well as a price you’re happy with, most likely you have located an insurance agency that is a good match to insure your vehicles. But keep in mind you can always cancel your policy whenever you want so never assume that you are obligated to a policy for the entire policy term.
Auto insurance coverage information
Knowing the specifics of a insurance policy aids in choosing the right coverages and proper limits and deductibles. Insurance terms can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverage types available from insurance companies.
Liability car insurance
Liability insurance protects you from damages or injuries you inflict on people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 30/60/25 that translate to a $30,000 limit per person for injuries, a per accident bodily injury limit of $60,000, and a limit of $25,000 paid for damaged property.
Liability coverage protects against things like loss of income, structural damage, funeral expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford. North Carolina requires minimum liability limits of 30/60/25 but drivers should carry more liability than the minimum.
The illustration below demonstrates why the minimum limit may not be enough coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Volkswagen Eos.
Because many people have only the minimum liability required by law (30/60/25), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.
Auto collision coverage
Collision coverage covers damage to your Eos caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.
Collision can pay for claims like damaging your car on a curb, driving through your garage door and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible on your Eos to save money on collision insurance.
Comprehensive auto coverage
This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things such as rock chips in glass, damage from a tornado or hurricane and theft. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Medical payments and PIP coverage
Coverage for medical payments and/or PIP pay for bills like doctor visits, rehabilitation expenses, pain medications and dental work. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants as well as getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage
Don’t give up on cheaper coverage
We just presented quite a bit of information on how to lower your Volkswagen Eos insurance rates in Charlotte. The key thing to remember is the more times you quote, the better your chances of lowering your auto insurance rates. You may even find the biggest savings come from a company that doesn’t do a lot of advertising. Regional companies may often insure only within specific states and give better rates than the large multi-state companies such as Progressive or GEICO.
Cheaper Volkswagen Eos insurance in Charlotte is possible online in addition to many Charlotte insurance agents, so you should compare both so you have a total pricing picture. A few companies do not provide internet price quotes and most of the time these smaller providers only sell through independent agencies.
While you’re price shopping online, never reduce needed coverages to save money. In many cases, an accident victim reduced uninsured motorist or liability limits and discovered at claim time that the small savings ended up costing them much more. Your strategy should be to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.
Steps to finding cheaper rates for Volkswagen Eos insurance in Charlotte
Really, the only way to save on Volkswagen Eos insurance is to start comparing prices regularly from providers who sell auto insurance in Charlotte. You can compare rates by completing these steps.
First, read about how companies price auto insurance and the things you can control to keep rates in check. Many rating criteria that cause high rates like traffic tickets, fender benders, and a negative credit score can be eliminated by making minor changes to your lifestyle.
Second, compare prices from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from one company like Progressive or Allstate, while agents who are independent can quote prices from multiple insurance companies.
Third, compare the new rate quotes to the price on your current policy and see if you can save money. If you find better rates and change companies, ensure there is no coverage lapse between policies.
Fourth, tell your current agent or company to cancel your current car insurance policy and submit payment and a signed application to the newly selected company. Be sure to place the new certificate of insurance with your vehicle’s registration.
One key aspect of rate comparisons is that you’ll want to make sure you compare the same deductibles and limits on every price quote and and to get rate quotes from all possible companies. This provides an accurate price comparison and plenty of rates choose from.
Additional car insurance information is located below:
- Teen Driving Statistics (iihs.org)
- Who Has Affordable Car Insurance Quotes for Used Cars in Charlotte? (FAQ)
- Who Has Affordable Charlotte Auto Insurance Rates for Welfare Recipients? (FAQ)
- Who Has the Cheapest Car Insurance for Retired Military in Charlotte? (FAQ)
- How Much is Auto Insurance for a 20 Year Old Male in Charlotte? (FAQ)
- Steps to Take After an Auto Accident (Insurance Information Institute)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)