2018 Volkswagen Atlas Car Insurance Rates – 8 Ideas for Best Quotes

I really doubt anyone looks forward to paying for insurance coverage, in particular when they are paying too much.

You have so many insurers to choose from, and although it’s nice to be able to choose, it can be more difficult to compare company pricing.

It’s important to do rate comparisons yearly due to the fact that insurance rates trend upward over time. Despite the fact that you may have had the best deal for Atlas insurance a couple years back the chances are good that you can find a lower price today. There is lot of inaccurate information about insurance coverage on the internet, but you can learn a lot of great tips on how to slash your insurance coverage rates.

Finding the best rates is not that difficult. In a nutshell, every vehicle owner who carries insurance most likely will be able to lower their premiums. But vehicle owners benefit from understanding the way insurance companies market on the web and use this information to your advantage.

Compare free car insurance quotes

Shopping for lower car insurance rates can take time and effort if you don’t know the easiest way. You could spend your day driving to agents in your area, or you can stay home and use the internet to get rates in a matter of minutes.

Most car insurance companies are enrolled in a marketplace where insurance shoppers enter their policy data once, and at least one company can give them a price determined by their information. This eliminates the need for form submissions to every company.

To find out how much you’re overpaying now click here to start a free quote.

One minor caviat to comparing rates this way is you cannot specify which companies you will receive quotes from. If you would rather choose specific providers for rate comparison, we have assembled a list of the cheapest car insurance companies in your area. Click here to view list.

Whichever method you choose, be sure to compare exactly the same coverage data with every price quote. If the quotes have higher or lower deductibles it will be nearly impossible to find the best deal for your Volkswagen Atlas. Slightly different coverages can result in a big premium difference. Keep in mind that comparing more quotes helps you find the best price. Some companies don’t provide price estimates online, so it’s necessary to compare prices on coverage from those companies, too.

Eight discounts to earn cheaper insurance coverage rates

Insurance can be prohibitively expensive, but you may find discounts that could help you make your next renewal payment. A few discounts will be applied at the time of purchase, but a few must be manually applied prior to getting the savings. If you don’t get every credit you qualify for, you are just wasting money.

  • Anti-theft System – Vehicles equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and therefore earn up to a 10% discount.
  • Passive Restraints – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of 20% or more.
  • Fewer Miles Equal More Savings – Maintaining low annual mileage may allow you to get substantially lower premium rates.
  • Good Student Discount – Maintaining excellent grades may save you up to 25%. Most companies allow this discount well after school through age 25.
  • Accident Waiver – but a few companies such as Geico, Allstate and Liberty Mutual will let one accident slide before they charge you more for coverage if your claims history is clear for a particular time prior to the accident.
  • Driver Training Discounts – Successfully completing a course that instructs on driving safety is a good idea and can lower rates and also improve your driving technique.
  • Discounts for Multiple Vehicles – Buying insurance for multiple cars with one company can get a discount on all vehicles.
  • New Car Discount – Insuring a new car can cost up to 25% less since new model year vehicles have better safety ratings.

As a disclaimer on discounts, most credits do not apply the the whole policy. Some only reduce the cost of specific coverages such as liability and collision coverage. Just because it seems like you can get free auto insurance, nobody gets a free ride.

Large insurance coverage companies and a summarized list of policyholder discounts are outlined below.

  • Esurance discounts include defensive driver, good driver, paid-in-full, claim free, online quote, DriveSense, and good student.
  • The Hartford has discounts for air bag, defensive driver, driver training, bundle, and anti-theft.
  • AAA offers discounts for education and occupation, good student, pay-in-full, AAA membership discount, anti-theft, and good driver.
  • Geico may have discounts that include emergency military deployment, driver training, membership and employees, daytime running lights, anti-theft, and multi-vehicle.
  • State Farm offers discounts including student away at school, passive restraint, anti-theft, good driver, accident-free, and Drive Safe & Save.

Before purchasing a policy, check with all the companies which discounts they offer. Some of the discounts discussed earlier might not be available to policyholders in your area. To locate insurance companies with discount rates, click this link.

Tailor your auto insurance coverage to you

When buying the best auto insurance coverage, there is no one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that could help you determine if you might need professional guidance.

  • How can I get high-risk coverage after a DUI?
  • Will filing a claim cost me more?
  • Am I covered if hit by an uninsured driver?
  • How do I file an SR-22 for a DUI in my state?
  • What is the rate difference between pleasure use and commuting?
  • I have good health insurance, so how much medical payments coverage do I need?
  • When do I need to add a new car to my policy?
  • Does my 2018 Volkswagen Atlas qualify for pleasure use?
  • What happens if I owe more than my 2018 Volkswagen Atlas is worth?
  • Am I covered if I crash into my own garage door?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Car insurance coverages and their meanings

Understanding the coverages of your policy helps when choosing appropriate coverage for your vehicles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. These are the usual coverages available from car insurance companies.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, vandalism and rock chips in glass. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for hospital visits, X-ray expenses, pain medications, dental work and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision coverage pays for damage to your Atlas caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as damaging your car on a curb, crashing into a ditch, hitting a parking meter and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Liability coverages

This protects you from damages or injuries you inflict on other’s property or people. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage pays for things such as bail bonds, pain and suffering, funeral expenses and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

UM/UIM Coverage

This gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your Volkswagen Atlas.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.