How Much Does 2018 Volkswagen Atlas Insurance Cost?

Looking for lower car insurance rates for your Volkswagen Atlas? Wish you could get out of an overpriced car insurance policy? Don’t sweat it because there are lots of residents who feel the same.

Vehicle owners have many auto insurance companies to choose from, and though it is a good thing to have a selection, it makes it harder to find the lowest rates.

This article will help educate you on how car insurance quotes work and some money-saving tips. If you have car insurance now, you will be able to reduce your rates substantially using these techniques. But vehicle owners do need to know how big insurance companies sell insurance online because it can help you find the best coverage.

How to find affordable car insurance

There are several ways to compare quotes from car insurance companies in your area. By far the easiest way to find competitive Volkswagen Atlas insurance rates is to perform an online rate comparison. This is very easy and can be done by using one of the methods below.

• Experts agree that the best way to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This style of form saves time by eliminating separate quote forms for every prospective company. One form gets you price quotes instantly.
• A different way to analyze rates requires a visit to the website for every company you want to comare and request a quote. For example, we’ll assume you want to compare rates from Allstate, Geico and Farmers. You would have to spend time going to each site individually and punch in your information repeatedly, which can be really labor intensive. To view a list of companies in your area, click here.

The approach you take is up to you, just ensure you’re using apples-to-apples coverage data for each comparison quote. If the quotes have higher or lower deductibles you can’t possibly determine which company has the best rates. Having just a slight variation in coverage limits may result in large price differences. It’s important to know that obtaining a wide range of quotes provides better odds of finding lower pricing.

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Big brands don’t always mean big savings

Companies like State Farm, Geico and Progressive seem to constantly run ads on television and other media. All the companies state the claim about saving some big amount after switching your policy. How can each company claim to save you money? It’s all in how they say it.

Insurance companies quote the lowest rates for a prospective insured that will not have excessive claims. One example of this type of risk profile could possibly be a mature driver, has few claims, and has a short commute. Someone that matches those criteria receive the lowest rate quotes and have a good chance to cut their rates substantially.

Insureds who don’t measure up to these stringent criteria will probably be forced to pay higher premiums which leads to business going elsewhere. The trick companies use is to say “customers who switch” but not “everyone who gets a quote” save that much. That’s why insurance companies can confidently make claims that they all have the best car insurance rates.

That is why it is so important to compare quotes as often as possible. Because without a comparison, you cannot know which insurance coverage company will have the lowest rate quotes.

Lower rates by qualifying for discounts

Buying insurance is not cheap, but you may qualify for discounts that you may not even be aware of. Certain discounts will be applied at the time of purchase, but less common discounts must be manually applied prior to getting the savings.

• Responsible Driver Discounts – Insureds without accidents may save up to 50% more on Atlas insurance as compared to drivers with claims.
• Savings for New Vehicles – Buying insurance on a new vehicle can be considerably cheaper since new model year vehicles are generally safer.
• Seat Belt Discounts – Drivers who require all vehicle occupants to fasten their seat belts could cut 10% or more on the premium charged for medical payments and/or PIP.
• Accident Forgiveness Coverage – This one isn’t a discount, but certain companies may permit one accident before they charge you more for coverage so long as you haven’t had any claims for a particular time prior to the accident.
• College Student Discount – College-age children who are enrolled in a college that is more than 100 miles from home and do not take a car to college can receive lower rates.
• Federal Government Employee – Federal government employees can save as much as 8% on Atlas insurance with some insurance companies.

You should keep in mind that some credits don’t apply to the overall cost of the policy. Most only reduce specific coverage prices like liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

A few of the larger companies and their possible discounts are outlined below.

• Farm Bureau policyholders can earn discounts including driver training, good student, renewal discount, 55 and retired, safe driver, youthful driver, and multi-vehicle.
• State Farm has discounts for accident-free, Steer Clear safe driver discount, student away at school, safe vehicle, and anti-theft.
• Progressive offers discounts including continuous coverage, good student, online signing, multi-vehicle, and online quote discount.
• Allstate may offer discounts for anti-lock brakes, new car, anti-theft, safe driver, and premier plus.
• Nationwide offers discounts for accident-free, multi-policy, easy pay, business or organization, and family plan.
• MetLife has savings for claim-free, accident-free, good student, multi-policy, defensive driver, and good driver.

When quoting, ask every prospective company which discounts you qualify for. Discounts might not be offered in your state.

Insurance is unique, just like you

When it comes to choosing proper insurance coverage, there really is no cookie cutter policy. Everyone’s needs are different so your insurance should reflect that For instance, these questions can aid in determining if your insurance needs may require specific advice.

• Does my policy pay for OEM or aftermarket parts?
• Why does it cost so much to insure a teen driver?
• When would I need additional glass coverage?
• What is no-fault insurance?
• Do I need replacement cost coverage on my 2018 Volkswagen Atlas?
• Is my Volkswagen Atlas covered if I use it for business?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Do I need an umbrella policy?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance companies in your area.

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Insurance coverages 101

Knowing the specifics of your policy can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Shown next are typical coverage types found on most insurance policies.

Liability auto insurance

Liability insurance protects you from damage that occurs to people or other property. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in 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 policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things such as attorney fees, loss of income and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Comprehensive auto coverage

This coverage pays to fix your vehicle from 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 broken windshield, theft, fire damage, damage from flooding and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your 2018 Volkswagen Atlas.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these limits are similar to your liability insurance amounts.

Collision coverage protection

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

Collision coverage protects against things such as hitting a parking meter, hitting a mailbox, colliding with a tree, rolling your car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for expenses for doctor visits, prosthetic devices, surgery, nursing services and X-ray expenses. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Knowledge is power

In this article, we presented a lot of information how to shop for 2018 Volkswagen Atlas insurance online. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. Consumers may even find the lowest prices come from an unexpected company. These companies may have significantly lower rates on certain market segments compared to the large companies like State Farm or Progressive.

While you’re price shopping online, it’s very important that you do not buy poor coverage just to save money. There have been many situations where an insured cut liability limits or collision coverage to discover at claim time that it was a big mistake. The proper strategy is to buy the best coverage you can find at an affordable rate while still protecting your assets.

Lower-priced auto insurance can be bought both online and with local insurance agents, so you need to quote car insurance with both to have the best rate selection. A few companies do not provide the ability to get quotes online and usually these small, regional companies prefer to sell through local independent agencies.

Additional detailed information can be read in these articles:

• Avoiding Deer Collisions (Insurance Information Insitute)
• Event Data Recorders FAQ (iihs.org)
• Safety Belts FAQ (iihs.org)
• Child Safety FAQ (iihs.org)

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