Are you trying to find more competitive Volkswagen Eos insurance in Omaha? Are you regretting buying high-priced Volkswagen Eos insurance in Omaha? It’s quite common and there are many Omaha consumers feeling the pinch from expensive auto insurance.
It’s well known that insurance companies want to prevent you from shopping around. Drivers who get comparison quotes at least once a year are very likely to switch to a new company because they have a good chance of finding a policy with more affordable rates. A recent survey discovered that people who regularly compared rates saved over $860 a year compared to other drivers who never compared other company’s rates.
If finding budget-friendly auto insurance is the reason you’re reading this, then having a good understanding how to shop and compare car insurance can make it easier to find better rates. Many car insurance companies vie for your business, so it’s not easy to compare every provider and uncover the absolute best price available on Volkswagen Eos insurance in Omaha.
If you’re already insured or want to find a cheaper company, you can use this information to save money and possibly find even better coverage. Finding affordable insurance coverage in Omaha is not that difficult as long as you know where to start. Shoppers just have to understand the tricks to get comparison rates from multiple carriers.
Best companies for Volkswagen Eos insurance
The providers in the list below are our best choices to provide quotes in Nebraska. To find cheap car insurance in Omaha, it’s highly recommended you compare several of them in order to find the lowest rates.
Volkswagen Eos detailed coverage information
The information below covers detailed analysis of insurance policy prices for Volkswagen Eos models. Learning a little about how policy premiums are formulated can help you make informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| EOS Komfort Turbo 2-Dr Convertible | $280 | $620 | $390 | $24 | $116 | $1,430 | $119 |
| EOS Luxury Turbo 2-Dr Convertible | $280 | $620 | $390 | $24 | $116 | $1,430 | $119 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Nebraska minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Rate quotes do not factor in vehicle location which can lower or raise coverage prices noticeably.
Physical damage deductibles
The hardest decision when buying coverage is how high should the physical damage deductibles be. The comparison tables below summarize the rate fluctuation when you select higher and lower coverage deductibles. The first set of rates uses a $100 deductible for physical damage and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| EOS Komfort Turbo 2-Dr Convertible | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| EOS Luxury Turbo 2-Dr Convertible | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| EOS Komfort Turbo 2-Dr Convertible | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| EOS Luxury Turbo 2-Dr Convertible | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Price information does not factor in garaging location in Omaha which can increase or decrease coverage rates noticeably.
We can derive from the above data that using a $100 deductible costs an average of $34 more each month or $408 each year averaged for all Eos models than choosing the higher $1,000 deductible. Since you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go more than 26 months between claim filings, you would probably be better off if you decide on a higher deductible.
How to calculate when to raise deductibles
| Average monthly premium for $100 deductibles: | $106 |
| Average monthly premium for $1,000 deductibles (subtract): | – $72 |
| Monthly savings from raising deductible: | $34 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $34 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 26 months |
One thing to be aware of is that increasing deductibles to save money means you pay more out-of-pocket when you have a claim. You need to make sure you have some extra savings in order to pay the higher deductible.
Should you buy full coverage?
The diagram below compares Volkswagen Eos insurance prices with full physical damage coverage compared to only buying the minimum liability limits required in Nebraska. The premium estimates are based on no claims or driving violations, $250 deductibles, single status, and no discounts are factored in.
Deciding between full coverage and liability only
There is no set rule for dropping physical damage coverage, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than around 10% of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s say your Volkswagen Eos claim settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, you would only receive $2,000 after paying your policy deductible. If it’s costing in excess of $200 annually for your policy with full coverage, then it’s probably a good time to buy liability coverage only.
There are some conditions where eliminating full coverage is not a good idea. If you haven’t satisfied your loan, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage on your policy.
Save money on Volkswagen Eos insurance in Omaha with these nine insurance discounts
Insurance is not inexpensive, but you may be missing some discounts that could drop your premiums quite a bit. Some of these discounts will be visible at the time you complete a quote, but lesser-known reductions have to be inquired about prior to getting the savings. If you do not double check each discount available, you could be paying more than you need to.
- Distant College Student Discount – Older children who are enrolled in higher education away from home and do not have a car may be able to be covered for less.
- Telematics Data – Insureds who allow their company to scrutinize driving patterns through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate might see lower rates if they show good driving skills.
- Discounts for Good Drivers – Drivers who avoid accidents can save as much as half off their rates than drivers with accidents.
- No Claims – Omaha drivers who stay claim-free pay less in comparison with drivers with a long claim history.
- Home Ownership Discount – Owning a house in Omaha may trigger a policy discount on insurance because of the fact that having a home is proof that your finances are in order.
- More Vehicles More Savings – Having multiple vehicles with the same company may reduce the rate for each vehicle.
- Save over 55 – Drivers that qualify as senior citizens may be able to get a small decrease in premiums.
- Paper-free Discount – Some insurance companies provide a small discount for buying a policy and signing up on your computer.
- Pay Early and Save – By making one initial payment rather than paying monthly you can avoid the installment charge.
It’s important to note that some of the credits will not apply to all coverage premiums. Most only apply to individual premiums such as collision or personal injury protection. Even though it may seem like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.
The information below shows the comparison of Volkswagen Eos insurance prices with and without some available policy discounts. The premium estimates are based on a female driver, no tickets, no at-fault accidents, Nebraska state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, marriage, claim-free, homeowner, and multi-car discounts applied.
To choose companies that offer many of these discounts in Omaha, click this link.
Car insurance agents can help
Many people just prefer to go talk to an agent and often times that is recommended Licensed agents are trained to spot inefficiencies and help you file claims. One of the great benefits of getting free rate quotes online is that you can find lower prices but also keep your business local.
After filling out this quick form, your insurance coverage information is sent to agents in your area that provide free Omaha auto insurance quotes and help you find cheaper coverage. You never need to leave your computer due to the fact that quote results will go immediately to you. If for some reason you want to get a rate quote from a particular provider, you would need to navigate to their website and fill out the quote form the provide.
Selecting an insurer should include more criteria than just the quoted price. The following questions are important to ask.
- Do the agents have professional certifications like CPCU or CIC?
- Where are claims handled?
- Does the agency have a good rating with the Better Business Bureau?
- If you are a high risk driver, do they have special markets for your coverage?
- How much training do they have in personal risk management?
Auto insurance agents in Omaha come in two varieties
If you want a local agent, it’s helpful to know the types of agencies and how they are slightly different. Auto insurance agents can be categorized as either exclusive or independent. Either type can properly insure your vehicles, but we need to point out why they differ since it may influence the type of agent you choose.
Exclusive Agents
These agents generally can only insure with one company and some examples include State Farm, Allstate, or Farmers Insurance. Exclusive agents are unable to shop your coverage around so if the price isn’t competitive there isn’t much they can do. Exclusive agencies are very knowledgeable on the products they sell and that allows them to sell at a higher price point.
The following are exclusive agents in Omaha that can give you rate quotes.
American Family Insurance – S De Los Reyes Agency Inc.
5052 S 108th St – Omaha, NE 68137 – (402) 339-9052 – View Map
American Family Insurance – Steven Moor Agency Inc.
13358 W Maple Rd – Omaha, NE 68164 – (402) 399-8200 – View Map
GEICO Insurance Agent
12240 L St #105 – Omaha, NE 68137 – (402) 491-4100 – View Map
Independent Auto Insurance Agencies
Agents of this type do not sell for just one brand so as a result can place your coverage through many companies and get you the best rates possible. To move your coverage to a new company, your agent can switch companies and you can keep the same agent. If you are comparing rate quotes, you should always include rate quotes from several independent insurance agents in order to compare the most rates.
Below are Omaha independent agents willing to provide rate quotes.
Nia Insurance Agency Inc
2816 N 24th St – Omaha, NE 68110 – (402) 779-8999 – View Map
Omaha Division Insurance
14792 Ray Sapp Dr – Omaha, NE 68138 – (402) 334-7087 – View Map
Vander Vorst Insurance Agency
15037 Industrial Rd – Omaha, NE 68144 – (402) 330-7979 – View Map
Nebraska car insurance company ratings
Buying coverage from the top company is difficult considering how many different companies there are to choose from in Nebraska. The ranking information shown below can help you decide which car insurance providers to look at purchasing coverage from.
Top 10 Omaha Car Insurance Companies Ranked by Claims Service
- Progressive
- Travelers
- Liberty Mutual
- Nationwide
- USAA
- AAA Insurance
- GEICO
- Safeco Insurance
- Mercury Insurance
- Esurance
Which policy gives me the best coverage?
When it comes to coverage, there isn’t really a best way to insure your cars. Everyone’s situation is unique so this has to be addressed.
Here are some questions about coverages that can help discover if your insurance needs could use an agent’s help.
- Will my insurance pay for OEM parts?
- What is UM/UIM insurance?
- Should I have a commercial auto policy?
- Does my insurance cover damage caused when ticketed for reckless driving?
- Is my nanny covered when transporting my kids?
- Do I have coverage if my license is suspended?
- Can I pay claims out-of-pocket if I buy high deductibles?
- Am I covered while delivering pizza?
If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.
Specific coverages for a Volkswagen Eos
Having a good grasp of auto insurance aids in choosing the best coverages at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy. Shown next are the usual coverages found on most auto insurance policies.
Uninsured Motorist or Underinsured Motorist insurance
This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Volkswagen Eos.
Because many people only carry the minimum required liability limits (Nebraska limits are 25/50/25), their limits can quickly be used up. So UM/UIM coverage is a good idea.
Liability coverages
Liability coverage can cover damage that occurs to a person or their property in an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000.
Liability insurance covers things such as loss of income, bail bonds, court costs, structural damage and funeral expenses. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford. Nebraska requires minimum liability limits of 25/50/25 but you should think about purchasing more liability than the minimum.
The next chart demonstrates why buying minimum limits may not provide adequate coverage.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive can pay for things such as a tree branch falling on your vehicle, hail damage, damage from flooding and hitting a deer. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.
Collision protection
Collision coverage covers damage to your Eos from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision can pay for things such as damaging your car on a curb, driving through your garage door, scraping a guard rail and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible on your Eos to save money on collision insurance.
Insurance for medical payments
Coverage for medical payments and/or PIP pay for bills for rehabilitation expenses, hospital visits, X-ray expenses, pain medications and EMT expenses. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage
Compare. Compare. Compare.
Lower-priced auto insurance in Omaha is available on the web and with local Omaha insurance agents, so you should compare both to get a complete price analysis. Some auto insurance companies may not provide price quotes online and usually these smaller companies sell through independent agents.
When searching for inexpensive Omaha auto insurance quotes, it’s not a good idea to reduce needed coverages to save money. There are a lot of situations where an insured dropped liability limits or collision coverage only to regret at claim time that it was a big mistake. Your goal is to find the BEST coverage at the best cost while still protecting your assets.
How to find more affordable Volkswagen Eos insurance in Omaha
To save the most money, the best way to get budget Volkswagen Eos insurance in Omaha is to start comparing prices yearly from insurers who can sell car insurance in Nebraska. Rates can be compared by completing these steps.
- Spend a few minutes and learn about auto insurance and the modifications you can make to prevent high rates. Many factors that increase rates such as traffic violations, accidents, and a poor credit score can be eliminated by making lifestyle changes or driving safer.
- Compare rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from one company like Progressive or Allstate, while agents who are independent can quote rates for a wide range of companies. View rates
- Compare the new rate quotes to your existing policy to determine if you can save on Eos insurance. If you can save money, make sure coverage does not lapse between policies.
- Give notification to your current company of your intention to cancel your current car insurance policy. Submit payment and a signed application to the newly selected company. Don’t forget to keep the new certificate verifying proof of insurance in a readily accessible location in your vehicle.
One piece of advice is to make sure you enter the same liability limits and deductibles on each quote request and and to get rate quotes from as many different insurance providers as possible. This provides a level playing field and the best rate selection.
More information
- Uninsured Motorist Statistics (Insurance Information Institute)
- How Much are Omaha Auto Insurance Rates for Drivers Over Age 70? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Drivers with a DUI in Omaha? (FAQ)
- Who Has the Cheapest Car Insurance for a 20 Year Old Female in Omaha? (FAQ)
- How Much is Auto Insurance for Uber Drivers in Omaha? (FAQ)
- Child Safety Seats (Insurance Information Institute)
- State Car Insurance Guides (GEICO)
- Collision Coverage (Liberty Mutual)
- Choosing a Car for Your Teen (State Farm)