2021 Volkswagen Atlas Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 16, 2024

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Searching for the cheapest auto insurance rates for your Volkswagen Atlas? Locating the cheapest insurance for your Volkswagen Atlas could be a painful process, but you can learn a few tricks and make it easy.

There are both good and bad ways to compare auto insurance rates so you’re going to learn the proper way to price shop coverage for a new or used Volkswagen and find the lowest possible price either online or from local insurance agents.

It’s a great practice to do rate comparisons quite often because insurance prices change quite often. Even if you think you had the lowest price for Atlas coverage a year ago there is a good chance you can find better rates now. Forget all the misinformation about auto insurance because we’re going to show you the best way to properly buy coverages and cut your premium.

Cheap auto insurance rates with discounts

The price of auto insurance can be rather high, but there’s a good chance there are discounts that many consumers don’t even know exist. A few discounts will be applied at the time of purchase, but some need to be inquired about before they will apply.

  • Professional Organizations – Having an affiliation with qualifying clubs or civic groups is a good way to get lower rates on your next auto insurance statement.
  • Anti-lock Brake System – Vehicles with ABS braking systems or traction control can stop better under adverse conditions and the ABS can save up to 10%.
  • Drivers Education – Cut your cost by having your teen driver participate in a local driver’s education class in high school.
  • Seat Belts Save – Forcing all vehicle occupants to buckle up before driving could cut 10% or more off the medical payments premium.
  • Early Payment Discounts – If you pay your entire premium ahead of time as opposed to paying monthly you could save up to 5%.
  • 55 and Retired – Seniors are able to get a slight reduction on a auto insurance quote for Atlas coverage.
  • Government Employees – Having worked for a branch of the government could cut as much as 10% off for Atlas coverage with a few auto insurance companies.
  • Multiple Policy Discount – When you have multiple policies with one company you may save nearly 15% which can help you find cheaper auto insurance.

One thing to note about discounts is that most credits do not apply to the whole policy. Most only apply to the cost of specific coverages such as collision or personal injury protection. So when it seems like you would end up receiving a 100% discount, auto insurance companies aren’t that generous.

Some of the larger companies that may offer many of the previously listed discounts may include but are not limited to:

  • Progressive
  • The Hartford
  • Mercury Insurance
  • AAA
  • State Farm

When quoting, ask each company which discounts they offer. Savings may not apply to policyholders in your area. To find providers who offer online auto insurance quotes, enter your zip code here.

The most recommended method to compare insurance rates in your area utilizes the fact almost all companies participate in online systems to quote your coverage. All consumers are required to do is give them rating details such as if you have an active license, if you lease or own, your credit rating estimate, and deductibles desired. That information is then sent to many different companies and they return cost estimate quickly.

To check Volkswagen Atlas insurance prices now, click here and find out if you can get cheaper insurance.

Insurance price influencing factors

Lots of things are part of the equation when you quote your car insurance policy. Most are fairly basic like an MVR report, but others are more obscure such as whether you are married or your financial responsibility. Part of the car insurance buying process is learning some of the things that help calculate your policy premiums. If you have some idea of what determines premiums, this enables informed choices that could result in lower rates.

The items below are some of the items that factor into rates.

  • Discounts for multiple policies – Many car insurance companies will award better rates for people who consolidate policies with them such as combining an auto and homeowners policy. The discount can be ten or even up to twenty percent in some cases. Even with this discount, you may still want to shop around to make sure you are getting the best deal.
  • Alarms and GPS tracking lowers premiums – Purchasing a vehicle with a theft deterrent system can help lower your rates. Theft prevention features like OnStar, LoJack tracking, and tamper alarms all hinder your car from being stolen.
  • Drive less and save – The higher the miles on your Volkswagen in a year the higher your rates will be. Most insurance companies calculate rates based on how the vehicle is used. Cars and trucks not used for work or commuting receive better premium rates compared to those used for work or business. It’s a smart idea to ensure your car insurance policy states how each vehicle is driven, because improper ratings can cost you money. Improper usage on your Atlas is just wasting money.
  • Don’t let your coverage lapse – Allowing your coverage to lapse is a quick way to increase your car insurance rates. In addition to paying higher rates, being ticketed for driving with no insurance will get you a hefty fine and possibly a revoked license. You may then be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • Being married is a good thing – Having a wife or husband helps lower the price on your car insurance policy. It may mean you are more stable financially and statistics show being married results in fewer claims.
  • Incidental coverages may not be needed – Insurance companies have many extra add-on coverages that sound like a good idea at the time if you don’t pay attention. Coverage for things like personal injury protection, towing, and extra equipment coverage could be just wasting money. You may think they are a good idea at first, but if you’ve never needed them in the past eliminate them to save money.
  • Too many insurance claims and you’ll pay more – Auto insurance companies provide lower rates to insureds who file claims infrequently. If you are the type of insured that files lots of claims you can expect higher rates. Your car insurance is designed for the bigger claims that can’t be paid out-of-pocket.

Tailor your insurance coverage to you

When buying the best insurance coverage, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help you determine if your insurance needs might need an agent’s assistance.

  • Am I covered when pulling a rental trailer?
  • What is medical payments coverage?
  • Is a new car covered when I drive it off the dealer lot?
  • Am I insured when driving a different vehicle?
  • Exactly who is provided coverage by my policy?
  • Can I get a multi-policy discount?
  • Why does it cost so much to insure a teen driver?
  • Should I have a commercial auto policy?
  • Why am I required to get a high-risk car insurance policy?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out your zip code. It’s fast, doesn’t cost anything and can help protect your family.

The largest companies are not always cheapest

Drivers can’t escape the ads for cheaper insurance coverage from companies such as State Farm and Allstate. They all seem to tend to make the same promise of big savings after switching your coverage to them.

But how can every company save you money?

Insurance coverage companies quote their cheapest rates for the type of driver that makes them money. One example of this type of driver might be described as over the age of 40, has a clear driving record, and has a short commute. A customer who matches that profile will qualify for the lowest premium rates as well as pay quite a bit less when switching companies.

Potential customers who do not fit those standards will see a more expensive rate which results in the customer buying from someone else. The ad wording is “drivers that switch” not “everyone who quotes” save that kind of money. That’s the way insurance companies can make claims that they all have the best rates.

That is why drivers must do a quote comparison often. It’s just too difficult to predict which company will give you the biggest savings.

Auto insurance coverages and their meanings

Knowing the specifics of your auto insurance policy can help you determine appropriate coverage for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as damage to your Volkswagen Atlas.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive auto coverage – Comprehensive insurance 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 protects against things such as hail damage, damage from getting keyed, hitting a deer and theft. The most your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like ambulance fees, prosthetic devices, X-ray expenses and dental work. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Collision coverage – Collision coverage will pay to fix damage to your Atlas resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as colliding with a tree, damaging your car on a curb, sustaining damage from a pot hole, hitting a mailbox and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Liability insurance – This can cover injuries or damage you cause to other people or property by causing an accident. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property. Occasionally you may see one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as repair bills for other people’s vehicles, medical services and emergency aid. How much coverage you buy is your choice, but you should buy as large an amount as possible.

Online plus local equals savings

We just showed you a lot of tips how to shop for 2021 Volkswagen Atlas insurance online. The most important thing to understand is the more quotes you get, the higher the chance of saving money. Consumers could even find that the best price on car insurance is with a small mutual company.

Discount 2021 Volkswagen Atlas insurance can be purchased both online in addition to many insurance agents, so get free auto insurance quotes from both of them in order to have the best price selection to choose from. There are still a few companies who may not offer internet price quotes and usually these regional insurance providers sell through independent agents.

Consumers change insurance companies for a number of reasons such as unfair underwriting practices, not issuing a premium refund, poor customer service or even policy non-renewal. It doesn’t matter what your reason, finding a great new company is actually quite simple.

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