View 2018 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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Have you finally had enough of scraping the payment together to keep your car insured? You are no different than many other consumers. Many insurance companies vie for your hard-earned dollar, and because of this it can be hard to compare auto insurance companies to find the absolute lowest cost out there.

It’s smart to compare premium rates before your next renewal since prices are constantly changing. Even if you got the best price for Atlas coverage at your last renewal there may be better deals available now. Don’t believe everything you read about insurance coverage out there, but in just a couple of minutes you can learn some good information on how to put money back in your pocket.

If you have a current insurance policy or need a new policy, you can use these techniques to find better prices while maximizing coverage. Finding the best rates is quite easy. Drivers only need to know the proper way to compare price quotes on the web.

Compare insurance quotes online

There are several ways to compare insurance quotes, but some are less time-consuming than others. You can waste hours driving to insurance agencies in your area, or you could save time and use the internet to get rates in a matter of minutes.

Many popular insurance companies participate in an industry program where prospective buyers complete one form, and at least one company can give them a price based on the submitted data. This system prevents you from having to do quote forms to each individual insurance company.

To submit your quote information now, enter your zip code here.

One minor caveat to getting quotes like this is you cannot specify which companies you will receive quotes from. If you prefer to choose specific insurance companies to request quotes from, we have assembled a list of the cheapest insurance companies in your area. Click to enter zip code for insurance companies.

The approach you take is up to you, just be sure you’re using apples-to-apples coverage limits and deductibles with every price quote. If you enter higher or lower deductibles it will be impossible to make a fair rate comparison.

Volkswagen Atlas insurance cost factors

When buying insurance it’s important to understand some of the factors that aid in calculating the rates you pay for insurance. If you have some idea of what determines base rates, this helps enable you to make changes that may result in lower insurance prices.

The following are some of the things utilized by car insurance companies to help set rates.

  • Premiums are lower the older you get – Beginning drivers have been known to be inattentive and easily distracted behind the wheel so insurance rates are higher. If you’ve ever had to add a youthful driver to your insurance policy can be quite pricey. More experienced drivers have been proven to be more responsible, tend to cause fewer accidents and tend to be get fewer driving tickets.
  • Having a spouse brings a discount – Having a spouse may save some money when shopping for insurance. It demonstrates that you tend to be more responsible and statistics show married drivers tend to have fewer serious accidents.
  • Drive a safer car and pay less – Vehicles with good safety scores get lower rates. The safest vehicles help reduce the chance of injuries in an accident and fewer serious injuries translates into savings for insurance companies passed on to you as lower rates.
  • Your job is a factor – Occupations like doctors, air traffic controllers and dentists tend to pay higher premium rates attributed to job stress and long work hours. On the other hand, jobs such as farmers, athletes and performers generally pay rates lower than average for Atlas coverage.

Take advantage of every insurance discount

Car insurance companies don’t always publicize all their discounts very clearly, so the list below details both well-publicized as well as the least known credits available to you.

  • Distant Student – College-age children who live away from home at college and leave their car at home could qualify for this discount.
  • Club Memberships – Participating in a qualifying organization may earn a discount on your policy.
  • Bundled Policy Discount – If you have multiple policies with one company you could get a discount of up to 20% off your total premium.
  • Theft Prevention System – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and will qualify for a discount on a insurance coverage quote.
  • Drivers Ed for Students – It’s a good idea to have your young drivers take driver’s ed class as it will make them better drivers and lower rates.
  • Passive Restraints and Air Bags – Options like air bags or motorized seat belts may earn rate discounts as much as 30%.

Consumers should know that most credits do not apply to the overall cost of the policy. Most cut individual premiums such as collision or personal injury protection. Despite the fact that it seems like you would end up receiving a 100% discount, it just doesn’t work that way. Any qualifying discounts will definitely lower the premium cost.

A few companies who may offer these money-saving discounts include:

  • State Farm
  • Progressive
  • 21st Century
  • American Family
  • The Hartford
  • AAA

If you need inexpensive insurance coverage quotes, ask all companies you are considering how many discounts you can get. Savings may not apply in your state. For a list of providers that provide some of the discounts listed above, enter your zip code here.

How to know if you need help

When it comes to choosing the best auto insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s situation is a little different so your insurance should reflect that For example, these questions can help discover whether you will benefit from professional help.

  • Can I get a multi-policy discount?
  • Does my 2018 Volkswagen Atlas need full coverage?
  • Am I covered by my spouse’s policy after a separation?
  • Is my babysitter covered when using my vehicle?
  • What vehicles should carry emergency assistance coverage?
  • Do I need more liability coverage?
  • When should I buy a commercial auto policy?
  • Which companies will insure high-risk drivers?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and enter your zip code. It is quick, free and can help protect your family.

Insurance policy specifics

Learning about specific coverages of your policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverage types available from insurance companies.

Coverage for medical expenses – Med pay and PIP coverage pay for expenses for rehabilitation expenses, doctor visits, X-ray expenses and pain medications. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

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

Collision coverage protects against claims such as scraping a guard rail, crashing into a ditch, sustaining damage from a pot hole, driving through your garage door and backing into a parked car. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Liability auto insurance – This protects you from damage or injury you incur to other’s property or people. It protects you against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values 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 total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things such as repair bills for other people’s vehicles, loss of income, legal defense fees, repair costs for stationary objects and medical expenses. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Comprehensive insurance – This pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from a tornado or hurricane, vandalism, rock chips in glass and damage from flooding. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Volkswagen Atlas.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Summing up your insurance search

While you’re price shopping online, it’s a bad idea to buy poor coverage just to save money. There are too many instances where someone dropped collision coverage only to discover later that the few dollars in savings costed them thousands. The ultimate goal is to purchase a proper amount of coverage at the lowest possible cost while still protecting your assets.

We covered many tips how you can reduce 2018 Volkswagen Atlas insurance premium rates online. It’s most important to understand that the more price quotes you have, the better likelihood of getting cheaper insurance coverage. Consumers may even find the biggest savings come from a small mutual company. These companies may cover specific market segments cheaper compared to the large companies like Allstate, GEICO and Progressive.

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