Compare 2018 Volkswagen Atlas Car Insurance Quotes

Looking for better auto insurance rates for your Volkswagen Atlas? Buying discount auto insurance on the internet might appear difficult for consumers new to quoting and shopping for insurance on the web. With so many agents and companies in the marketplace, how are consumers able to have time to compare every company in order to find the cheapest available price?

If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using this strategy. Shopping for the best insurance is not that difficult. But drivers do need to understand how companies price insurance differently and take advantage of how the system works.

Choices you make can impact your insurance prices

It’s important that you understand some of the things that come into play when calculating the price you pay for insurance. If you know what determines premiums, this allows you to make educated decisions that could help you find lower premium levels.

• Liability insurance limits should be high – A critical coverage on your policy, liability insurance is the coverage that protects you when you are determined to be liable for physical damage or personal injury to other. Your policy’s liability insurance provides legal defense coverage up to the limits shown on your policy. This coverage is relatively inexpensive when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.
• Gender matters – Statistics show that females take fewer risks when driving. That doesn’t necessarily mean that women are better drivers. Females and males cause at-fault accidents at a similar rate, but the male of the species have costlier accidents. In addition to higher claims, males also get more serious tickets such as DWI and reckless driving.
• Add-on coverages are wasting money – There are many extra bells and whistles that you can get tricked into buying on your Atlas policy. Insurance for rental car coverage, accident forgiveness, and extra equipment coverage may be wasting your money. These may sound like a good investment when you first buy your policy, but now you might not need them so consider taking them off your policy.
• A lcoverage lapse is a bad thing – Going without insurance is a quick way to drive up your policy premiums. Not only will you pay more, the inability to provide proof of insurance could result in fines or a revoked license. You may then have to prove you have insurance by filing a SR-22 with your state motor vehicle department.
• Insurance rates for married couples – Getting married may cut your premiums when shopping for insurance. Having a significant other generally demonstrates drivers are more stable financially and it’s statistically proven that married couples file fewer claims.
• Multiple policies with one company can save – Some companies will award a discount to buyers who carry more than one policy in the form of a multi-policy discount. Even if you already get this discount, you may still want to compare rates to make sure you are getting the best deal. It’s possible to still save even more by insuring with multiple companies.
• Safer vehicles cost less to insure – Cars with five star safety ratings can get you lower premiums. These vehicles help reduce the chance of injuries in an accident and lower rates of occupant injuries translates directly to fewer claims and more competitive rates for policyholders.
• Bad credit will cost you – Having a bad credit score is likely to be a major factor in calculating your insurance rates. So if your credit rating leaves room for improvement, you could potentially save money when insuring your 2018 Volkswagen Atlas by improving your rating. Consumers who have excellent credit tend to be more responsible than drivers who have lower credit scores.

The quickest way to compare car insurance rates takes advantage of the fact most larger insurance companies participate in a system to quote your coverage. To get started, all you need to do is take a few minutes to give details including the make and model of your vehicles, if it has an alarm system, if you are currently licensed, and whether you have decent credit. Your details is instantly provided to multiple insurance providers and they respond with quotes instantly to find the best rate.

Use discounts to get cheaper insurance coverage rates

Auto insurance companies don’t necessarily list every possible discount very clearly, so we took the time to find both well-publicized as well as some of the hidden discounts that you may qualify for. If you check and find you aren’t receiving every discount available, you’re paying more than you need to.

• Low Miles Discount – Maintaining low annual mileage could qualify for cheaper rates.
• Multiple Vehicles – Having primary and secondary vehicles with one company qualifies for this discount.
• Discount for Multiple Policies – If you combine your home and auto policies with the same company you could get a discount of up to 20% and get you cheap insurance.
• E-sign – Certain larger companies may give you up to $50 for buying your policy on the internet.
• New Vehicle Savings – Insuring a new car may earn a small discount because newer vehicles have to meet stringent safety requirements.
• Homeowners Savings – Being a homeowner can earn you a little savings because owning a home requires personal responsibility.
• Good Students Pay Less – A discount for being a good student may save you up to 25%. You can use this discount normally until age 25.
• Government Employee Discount – Having worked for a branch of the government can save as much as 8% on Atlas insurance but check with your company.
• Driver’s Ed – Cut your cost by having your teen driver participate in a local driver’s education class if offered at their school.
• Anti-theft Discount – Cars and trucks optioned with advanced anti-theft systems are stolen less frequently and will save you 10% or more.

A little disclaimer on discounts, most discount credits are not given to the entire cost. Most cut the price of certain insurance coverages like collision or personal injury protection. Even though it appears all those discounts means the company will pay you, you aren’t that lucky.

If you would like to see a list of companies that offer many of these discounts, click here.

Tailor your car insurance coverage to you

When buying the right insurance coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s situation is a little different.

For example, these questions can aid in determining whether you may require specific advice.

• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Are my friends covered when driving my 2018 Volkswagen Atlas?
• Am I missing any policy discounts?
• Can my teen driver be rated on a liability-only vehicle?
• Which companies will insure high-risk drivers?
• When can my company non-renew my policy?
• Should I bundle my homeowners policy with my auto?
• Does coverage extend to Mexico or Canada?
• Should I get collision insurance on every vehicle?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Auto insurance coverages

Having a good grasp of auto insurance aids in choosing appropriate coverage for your vehicles. Auto insurance terms can be confusing and coverage can change by endorsement.

Comprehensive auto coverage – This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like fire damage, vandalism, damage from getting keyed and a broken windshield. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverages – This pays for damage to your Atlas from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims such as crashing into a building, colliding with another moving vehicle and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Liability coverage – This protects you from injuries or damage you cause to other’s property or people. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage protects against claims like funeral expenses, pain and suffering, repair costs for stationary objects and court costs. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your 2018 Volkswagen Atlas.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like dental work, prosthetic devices, hospital visits and funeral costs. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

In conclusion

Drivers change insurance companies for any number of reasons including not issuing a premium refund, lack of trust in their agent, delays in paying claims or even policy non-renewal. Regardless of your reason for switching companies, finding a new company can be less work than you think.

We just showed you a lot of information how to save on 2018 Volkswagen Atlas insurance. It’s most important to understand that the more providers you compare, the better likelihood of getting cheap insurance. You may even discover the biggest savings come from an unexpected company.

Budget-friendly insurance coverage is available both online as well as from independent agentsinsurance , so you need to shop insurance with both to have the best chance of lowering rates. Some insurance companies don’t offer the ability to get quotes online and usually these smaller companies provide coverage only through independent insurance agencies.

Even more information can be found in the articles below:

• Cellphones, Texting and Driving (iihs.org)
• Coverage Information (Progressive Insurance)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Distracted Driving Extends Beyond Texting (State Farm)