When trying to find more affordable insurance, are you confused by the dozens of auto insurance choices in your area? Vehicle owners have such a large number of options that it can be a difficult situation to find the perfect company for you. Indianapolis is a great city to live in, but high auto insurance prices can make it very difficult to afford enough coverage.
Regrettably, most auto insurance policyholders have purchased from the same company for well over three years, and about 40% of consumers have never shopped around. Drivers in Indiana could save approximately $700 each year, but they just assume it takes a lot of time to do a rate comparison.
It's a good habit to do price comparisons before your next renewal because prices are usually higher with each renewal. Just because you found the lowest rates on Volkswagen Eos insurance in Indianapolis at your last renewal a different company probably has better premium rates today. Forget anything you know (or think you know) about auto insurance because you're about to learn how to quote online to properly buy coverages and cut your premium.
Companies offering Volkswagen Eos insurance in Indiana
The companies shown below have been selected to offer free rate quotes in Indianapolis, IN. If multiple providers are shown, it's a good idea that you click on several of them to find the cheapest auto insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|EOS Komfort Turbo 2-Dr Convertible||$240||$496||$340||$20||$102||$1,198||$100|
|EOS Luxury Turbo 2-Dr Convertible||$194||$340||$286||$16||$86||$922||$77|
|Get Your Own Custom Quote Go|
Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Table data does not factor in specific zip code location which can alter rates considerably.
Comparison of policy deductibles
The information below shows how different deductible levels and can raise or lower Volkswagen Eos insurance premiums for different ages of insureds. The rate quotes are based on a single male driver, full coverage, and no discounts are applied.
Careless drivers pay higher rates
The information below shows how speeding tickets and at-fault accidents can drive up Volkswagen Eos premium costs for different age categories. The prices are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are taken into consideration.
Volkswagen Eos insurance costs by age and gender
The information below compares Volkswagen Eos insurance prices for male and female drivers. The premiums are based on no violations or accidents, comp and collision included, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.
Discounts can help save money on Volkswagen Eos insurance in Indianapolis
Insuring your fleet can be pricey, but you may find discounts that you may not even be aware of. Certain discounts will be applied at the time you complete a quote, but some may not be applied and must be requested specifically before being credited.
- E-sign - Some of the larger companies give back up to $50 get Indianapolis auto insurance on your computer.
- Anti-lock Brake Discount - Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
- Driver's Ed - Have your child enroll in driver's education if it's offered in school.
- Student in College - College-age children who live away from home to go to college and do not have access to a covered vehicle may qualify for this discount.
- Drive Safe and Save - Drivers without accidents could pay up to 40% less compared to rates paid by drivers with frequent claims.
- Drive Less and Save - Low annual miles may enable drivers to earn discounted prices on garaged vehicles.
Don't be shocked that some credits don't apply to the whole policy. Most only apply to the price of certain insurance coverages like medical payments or collision. If you do the math and it seems like you can get free auto insurance, companies don't profit that way.
Popular auto insurance companies and their offered discounts are:
- Progressive may offer discounts for online signing, multi-policy, continuous coverage, good student, online quote discount, and homeowner.
- Farmers Insurance offers discounts including pay in full, teen driver, youthful driver, mature driver, alternative fuel, and multi-car.
- Farm Bureau may include discounts for good student, multi-policy, multi-vehicle, renewal discount, safe driver, and driver training.
- State Farm offers premium reductions for safe vehicle, Steer Clear safe driver discount, defensive driving training, driver's education, and passive restraint.
- GEICO policyholders can earn discounts including good student, military active duty, anti-theft, daytime running lights, and driver training.
- SAFECO has discounts for anti-theft, teen safety rewards, safe driver, bundle discounts, and accident prevention training.
- Liberty Mutual has savings for hybrid vehicle, new move discount, multi-car, teen driver discount, good student, newly retired, and multi-policy.
When getting a coverage quote, ask each insurance company which discounts they offer. Some discounts listed above may not apply to policyholders everywhere. To view providers that offer the discounts shown above in Indianapolis, click this link.
When to talk to an insurance agency
Certain consumers still prefer to buy from a licensed agent and that is just fine! The biggest benefit of getting free rate quotes online is the fact that drivers can get the lowest rates and also buy local.
To make it easy to find an agent, after completing this form (opens in new window), your insurance coverage information is instantly submitted to agents in your area that can give you free Indianapolis auto insurance quotes for your insurance coverage. You won't even need to leave your computer since price quotes are sent instantly to you. Get lower rates AND an agent nearby. In the event you want to get a price quote for a specific company, just search and find their rate quote page and give them your coverage information.
Deciding on a provider needs to be determined by more than just the premium amount. The questions below may impact your decision as well.
- Is the quote a firm price?
- Does the agency have a current Errors and Omissions policy?
- Is working in the agency their full-time job?
- Do they specialize in personal lines coverage in Indianapolis?
- What is the agency's Better Business Bureau rating?
If you are wanting to purchase car insurance from a reliable insurance agent, there are a couple of types of insurance agents that differ in how they can insure your vehicles. Agencies in Indianapolis can be classified as either independent or exclusive.
Exclusive Insurance Agents
Agents that choose to be exclusive can only place business with one company such as Farmers Insurance or State Farm. These agents are not able to compare rates from other companies so if the price isn't competitive there isn't much they can do. Exclusive insurance agents are very knowledgeable on sales techniques which helps offset the inability to provide other markets. Some people will only use the same agent primarily because of the prominent brand name rather than having low rates.
Listed below are Indianapolis exclusive agencies that are able to give comparison quotes.
- Bill Hill - State Farm Insurance Agent
7423 E 82nd St - Indianapolis, IN 46256 - (317) 849-4119 - View Map
- American Family Insurance - Brian Ciesil
1398 Shadeland Ave Ste 2233 - Indianapolis, IN 46219 - (317) 353-6225 - View Map
- Allstate Insurance: Sarah Franke
916 Shadeland Ave - Indianapolis, IN 46219 - (317) 359-8271 - View Map
Agents of this type can sell policies from many different companies so they have the ability to put coverage through many different car insurance companies enabling the ability to shop coverage around. If your premiums go up, they can switch companies in-house and you don't have to find a new agent.
When comparing car insurance rates, it's a good idea to include a few independent agents for maximum quote selection. Many can place coverage with additional companies that you may not be familiar with which may have better rates.
The following is a short list of independent insurance agents in Indianapolis willing to provide price quotes.
- Summit Insurance Agency Inc
9302 N Meridian St #297 - Indianapolis, IN 46260 - (317) 844-4701 - View Map
- Killion Insurance Agency
6316 W Thompson Rd - Indianapolis, IN 46221 - (317) 856-4550 - View Map
- Owens Insurance Agency
N Alabama St #350 - Indianapolis, IN 46204 - (317) 572-8080 - View Map
Are you falling for claims of savings?
Companies like State Farm, Allstate and GEICO regularly use ads on TV and radio. All the ads make an identical promise that drivers will save a bundle just by moving to them. But how can every company offer you a better deal on Volkswagen Eos insurance in Indianapolis? Here is the trick they use.
Different companies offer their best rates for the type of customer that will be a good risk. One example of this type of risk profile may be a mature driver, has few claims, and drives less than 5,000 miles a year. Any driver who matches that profile receives the best prices in Indianapolis and will probably save a lot of money.
Insureds who may not quite match the "perfect" profile will have to pay higher premium rates and ends up with the driver buying from a lower-cost company. If you listen closely, the ads state "drivers who switch" not "all people who quote" save money. This is how insurance companies can make claims that they all have the best rates. Because every company is different, it's extremely important to compare rate quotes every year. Because without a comparison, you cannot know with any certainty which company will have the best Volkswagen Eos insurance in Indianapolis.
Coverages available on your insurance policy
Understanding the coverages of insurance can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.
Comprehensive or Other Than Collision
Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive can pay for claims like hitting a bird, vandalism, hitting a deer, a tree branch falling on your vehicle and damage from getting keyed. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.
This will pay to fix damage to your Eos resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.
Collision insurance covers things like rolling your car, hitting a mailbox and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to bump up the deductible on your Eos to save money on collision insurance.
This coverage can cover damages or injuries you inflict on a person or their property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/10 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $10,000 paid for damaged property.
Liability coverage pays for things such as structural damage, attorney fees, medical services, funeral expenses and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but it's cheap coverage so purchase as high a limit as you can afford. Indiana requires drivers to carry at least 25/50/10 but you should think about purchasing more coverage.
Medical costs insurance
Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for funeral costs, ambulance fees, hospital visits and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage
Your UM/UIM coverage provides protection when the "other guys" either have no liability insurance or not enough. It can pay for hospital bills for your injuries and damage to your Volkswagen Eos.
Since many Indiana drivers only carry the minimum required liability limits (25/50/10 in Indiana), it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.
More effort can pay off
People leave their current company for many reasons like extreme rates for teen drivers, lack of trust in their agent, delays in paying claims and even not issuing a premium refund. It doesn't matter why you want to switch finding the right car insurance provider can be easy and end up saving you some money.
You just read quite a bit of information on how to find lower-cost Volkswagen Eos insurance in Indianapolis. It's most important to understand that the more times you quote, the better likelihood of getting cheaper Indianapolis auto insurance quotes. Drivers may even discover the best price on car insurance is with an unexpected company.
While you're price shopping online, you should never skimp on critical coverages to save a buck or two. There are a lot of situations where consumers will sacrifice full coverage only to find out that a couple dollars of savings turned into a financial nightmare. The aim is to find the BEST coverage at the best price while still protecting your assets.
For more information, take a look at the resources below:
- Eight Auto Insurance Myths (Insurance Information Institute)
- What Auto Insurance is Cheapest for Unemployed Drivers in Indiana? (FAQ)
- Who Has the Cheapest Indiana Car Insurance Rates for Drivers with a Bad Driving Record? (FAQ)
- Who Has Affordable Indiana Auto Insurance for Teachers? (FAQ)
- Who Has the Cheapest Indiana Auto Insurance for a Nissan Altima? (FAQ)
- Preventing Carjacking and Theft (Insurance Information Institute)
- Red Light Cameras (State Farm)
- Should I Buy a New or Used Car? (Allstate)
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)