Save on 2024 Volkswagen Atlas Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

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

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Are you sick and tired of scraping the payment together to pay high insurance coverage rates every month? You are in the same boat as many other drivers. Due to the fact that there are so many options, it’s nearly impossible to choose the right company.

It’s important to price shop coverage periodically since rates are rarely the same from one policy term to another. Even if you think you had the best rate on Atlas insurance two years ago a different company probably has better prices today. There are a lot of ways to save on insurance coverage on the web, but I’m going to show you some good information on how to quit paying high insurance coverage rates.

Finding affordable coverage is easy if you know what you’re doing. If you have insurance now or are just looking to switch companies, you can follow these tips to shop for the lowest rates while maintaining coverages. Consumers only need an understanding of how to compare company rates online.

Buy insurance coverage online

All the larger insurance coverage companies such as Allstate, GEICO and Progressive allow you to get prices for coverage directly from their websites. Getting online rates is very simple as you simply type in your coverage information as requested by the quote form. After you complete the form, the company’s rating system automatically orders information on your driving record and credit history and returns a price quote based on many factors. Online price estimates streamlines rate comparisons, but the work required to visit multiple sites and type in the same data is a big time waster. But it’s absolutely necessary to get many rate quotes if you are searching for better prices.

Online rates the easy way

A quicker way to compare insurance coverage pricing uses one form to get prices from more than one company. It saves time, helps eliminate repetitive entry, and makes rate comparisons much more enjoyable and efficient. Once the form is submitted, it is rated with multiple companies and you can pick your choice of the returned quotes. If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. The whole process just takes a couple of minutes and may result in a nice savings.

To quickly compare rates using this form now, simply enter your zip code here and complete the simple form. If you have a policy now, it’s recommended you type in the limits and deductibles identical to your current policy. Using the same limits helps guarantee you will have rate quotes using the exact same coverages.

Discounts to earn cheaper insurance rates

Companies don’t necessarily list their entire list of discounts very clearly, so here is a list some of the best known and also the more inconspicuous discounts that you can inquire about if you buy auto insurance online.

  • Online Discount – Certain insurance companies provide a small discount for buying a policy and signing up online.
  • Drive Safe and Save – Drivers who don’t get into accidents can pay as much as 50% less on Atlas insurance compared to accident prone drivers.
  • Good Student – Being a good student could provide a savings of up to 20% or more. Most companies allow this discount well after school through age 25.
  • Multiple Vehicles – Buying insurance for more than one vehicle on one policy can get a discount on all vehicles.
  • Bundled Policy Discount – If you can bundle your homeowners and auto insurance with one insurance company you could earn a discount of as much as 10 to 15 percent.

A quick disclaimer, most credits do not apply to the whole policy. Most only apply to individual premiums such as comp or med pay. Even though the math looks like you would end up receiving a 100% discount, you’re out of luck.

Companies that may offer policyholders some of the discounts shown above include:

  • Progressive
  • MetLife
  • Mercury Insurance
  • Nationwide
  • AAA

When comparing rates, check with every prospective company to apply every possible discount. Some of the discounts discussed earlier may not be offered everywhere.

Tailor your insurance coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions might help in determining if you may require specific advice.

  • Am I covered when using my vehicle for business?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • What companies insure drivers after a DUI or DWI?
  • Do I need rental car coverage?
  • Is my babysitter covered when using my vehicle?
  • Are my friends covered when driving my 2024 Volkswagen Atlas?
  • When can my company non-renew my policy?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and enter your zip code. It is quick, free and can help protect your family.

Auto insurance coverage breakdown

Having a good grasp of your auto insurance policy can help you determine the right coverages at the best deductibles and correct limits. Auto insurance terms can be ambiguous and coverage can change by endorsement. Listed below are the usual coverages offered by auto insurance companies.

Coverage for liability

Liability insurance will cover damages or injuries you inflict on other’s property or people that is your fault. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like legal defense fees, structural damage, bail bonds and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision insurance

This coverage pays for damage to your Atlas resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as colliding with another moving vehicle, driving through your garage door and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like rock chips in glass, hitting a deer, damage from a tornado or hurricane, a broken windshield and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical costs insurance

Med pay and PIP coverage provide coverage for short-term medical expenses such as chiropractic care, hospital visits and rehabilitation expenses. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles