Lower Your 2019 Volkswagen Atlas Car Insurance Cost 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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Price shopping your auto insurance could be slightly frustrating for beginners to comparison shopping online. Consumers have so many different companies and agents to choose from that it can be a chore to compare prices.

It’s important to take a look at other company’s rates before your next renewal because prices are adjusted regularly by insurance companies. Just because you had the best deal for Atlas coverage two years ago there may be better deals available now. Forget anything you know (or think you know) about auto insurance because I’m going to teach you the things you must know in order to find lower rates on auto insurance.

Finding affordable coverage is not rocket science. If you are paying for car insurance now, you will be able to cut costs considerably using this strategy. Although drivers must understand the way insurance companies sell insurance online and use this information to your advantage.

Reduce insurance rates with these tips

Lots of things are considered when you get a price on insurance. Some factors are common sense like an MVR report, but others are less apparent such as whether you are married or how financially stable you are. A large part of saving on insurance is knowing the factors that are used to determine your policy premiums. If you have some idea of what controls the rates you pay, this allows you to make educated decisions that can help you get lower rates.

The items below are a partial list of the pieces insurance companies consider when setting your rate level.

  • Low stress vocation equals lower premiums – Careers like doctors, police officers and miners usually pay higher premium rates in part from high stress and long work hours. Other occupations such as scientists, engineers and performers have lower than average premiums for Atlas coverage.
  • Location can modify price – Being located in small towns and rural areas can save you money when trying to find low car insurance rates. People who live in big cities regularly have much more traffic and more time behind the wheel. Lower population means reduced accidents in addition to lower liability claims
  • Safeguard your assets with liability – Your insurance policy’s liability coverage is the coverage that protects you if ever a jury decides you are liable for causing damage or personal injury in an accident. Your policy’s liability insurance provides legal defense coverage which can be incredibly expensive. This coverage is relatively inexpensive compared to physical damage coverage, so insureds should have plenty of protection for their assets.
  • Traffic violations cost more than a fine – Your driving record impacts your car insurance rates tremendously. Attentive drivers have lower premiums as compared to careless drivers. Having a single moving violation can increase rates forty percent or more. Drivers with multiple citations like DUI or reckless driving may find they need to maintain a SR-22 to the state department of motor vehicles in order to prevent a license revocation.
  • An active policy claims history can cost more – Auto insurance companies give most affordable rates to insureds who do not file claims often. If you tend to file frequent claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.

Compare insurance rates

When looking for low cost insurance quotes, there are a couple ways of comparing rates from local insurance companies. The easiest way to find affordable 2019 Volkswagen Atlas insurance rates consists of shopping online. This is quite simple and can be completed in just a few minutes using one of these methods.

  1. The fastest way to find low rates is to use a rate comparison form. This style of form keeps you from doing separate quote forms for each company you want a rate for. Completing one form gets coverage cost estimates from insurance companies with the best prices. It’s the quickest way to get rates.
  2. A slightly less efficient method to find better pricing is going to each company’s website and complete a new quote form. For sake of this example, we’ll assume you want to compare Nationwide, Farmers and Allstate. To do that, you would have to take the time to go to each site and enter your information, which is why first method is recommended.

You can use whichever method you prefer to find lower rates, just make darn sure you compare exactly the same deductibles and coverage limits on every quote you get. If you have higher or lower deductibles it will be very difficult to make a fair comparison for your Volkswagen Atlas. Quoting even small variations in coverages can mean a large discrepancy in price. It’s important to know that obtaining a wide range of quotes gives you a better chance of getting the best offered rates. Not every company does online price quotes, so it’s recommended that you also compare rates from them, too.

Do you qualify for discounts?

Insuring your vehicles can cost a lot, but you might already qualify for some discounts that you may not even be aware of. Some of these discounts will be visible at quote time, but lesser-known reductions have to be inquired about before they will apply. If you’re not getting every credit you deserve, you are paying more than you should be.

  • Government Employee Discount – Active or retired federal employment may qualify for a discount when you quote insurance for Atlas coverage with a few insurance companies.
  • Pay Early and Save – By paying your entire bill at once instead of paying each month you can actually save on your bill.
  • Paperless Signup – A few larger online companies will give a small break shop insurance digitally online.
  • Club Memberships – Affiliation with a qualifying organization could qualify you for a break when getting a insurance quote.
  • Bundle and Save – If you insure your home and vehicles with the same insurance company you may earn at least 10 to 15 percent or more.
  • No Accidents – Claim-free drivers pay much less compared to insureds who have frequent claims or accidents.
  • Discount for Passive Restraints – Options like air bags or automatic seat belts may earn rate discounts up to 30%.
  • Anti-lock Brakes – Cars with ABS braking systems or traction control have fewer accidents and therefore earn up to a 10% discount.
  • Anti-theft System – Vehicles equipped with tracking devices and advanced anti-theft systems can help prevent theft and can earn a small discount on your policy.

Don’t be shocked that most discounts do not apply to the entire policy premium. Most only reduce specific coverage prices like comprehensive or collision. Even though it may seem like having all the discounts means you get insurance for free, nobody gets a free ride. But all discounts will help reduce your policy premium.

Insurance companies that may offer quotes with most of the discounts above are:

  • Auto-Owners Insurance
  • American Family
  • Esurance
  • Progressive
  • State Farm
  • AAA

If you want inexpensive insurance quotes, ask every prospective company what discounts are available to you. Some discounts may not be available in your state. To see a list of companies with discount rates, enter your zip code here.

Don’t assume everyone needs the same insurance coverage

When buying adequate coverage, there is no perfect coverage plan. Every insured’s situation is different.

Here are some questions about coverages that could help you determine if your situation would benefit from an agent’s advice.

  • Am I covered by my spouse’s policy after a separation?
  • What are the best liability limits?
  • Do I need special endorsements for business use of my vehicle?
  • Am I covered when driving a rental car?
  • Are my friends covered when driving my car?
  • How do I buy GAP insurance?
  • Can my babysitter drive my car?
  • Which is better, split liability limits or combined limits?

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. If you don’t have a local agent, complete your zip code.

Specific coverage details

Having a good grasp of your policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Liability coverage

This provides protection from damage or injury you incur to people or other property. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims such as court costs, bail bonds, pain and suffering, emergency aid and legal defense fees. How much liability should you purchase? That is your choice, but buy higher limits if possible.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for bills for doctor visits, funeral costs, ambulance fees and chiropractic care. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover you and your occupants in addition to being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like theft, fire damage and vandalism. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Volkswagen Atlas.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision coverage

This coverage pays for damage to your Atlas resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims like rolling your car, hitting a parking meter and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Shop. Compare. Save.

You just read many tips how you can shop for 2019 Volkswagen Atlas insurance online. The key thing to remember is the more times you quote, the better your chances of lowering your auto insurance rates. You may even discover the most savings is with the smaller companies.

Affordable 2019 Volkswagen Atlas insurance is attainable from both online companies as well as from insurance agents, and you need to price shop both to get a complete price analysis. A few companies may not provide internet price quotes and these regional carriers only sell through independent insurance agencies.

Insureds switch companies for many reasons like an unsatisfactory settlement offer, delays in responding to claim requests, poor customer service and even lack of trust in their agent. It doesn’t matter why you want to switch finding the right car insurance provider is pretty easy and you might even save some money in the process.

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