2018 Volkswagen Atlas Car Insurance Cost

If you are new to online car insurance, it’s easy to be confused due to the large selection of insurers offering coverage.

It is always a good idea to compare prices yearly since rates are variable and change quite frequently. Even if you think you had the lowest rate on Atlas coverage on your last policy you can probably find a better price now. Forget all the misinformation about car insurance because you’re going to learn the easiest way to find lower rates on car insurance.

Buying car insurance is not rocket science. Essentially anyone who is shopping for car insurance most likely will be able to save money. But drivers must know how big insurance companies compete online.

Which car insurance is cheapest?

All the larger car insurance companies like Progressive, GEICO, Allstate and State Farm give pricing direct online. Getting online quotes is easy for anyone as you simply type in your personal and coverage information into the form. When the form is submitted, their quoting system obtains your driving record and credit report and gives you a price quote based on these factors.

Online quotes makes it easy to compare insurance prices but the time it takes to visit several different sites and type in the same data is a waste of time. But it’s absolutely necessary to perform this step if you want to get lower prices.

Rate comparisons made easy

A more efficient way to find lower prices uses just one form that gets price quotes from several companies at one time. It’s a real time-saver, eliminates form submissions, and makes online shopping much more enjoyable and efficient. As soon as the form is sent, your coverage is rated and you can choose any of the price quotes you receive. If the quotes result in lower rates, you can click and sign and buy the policy. The whole process only takes a few minutes and may save quite a bit of money.

To save time and find out what other companies charge, click here to open in new window and fill out the form. To compare your current rates, we recommend that you enter deductibles and limits exactly as shown on your declarations page. This guarantees you’re receiving a rate comparison based on identical coverages.

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Everyone needs different car insurance coverages

When it comes to choosing the right insurance coverage, there is no perfect coverage plan. Everyone’s situation is a little different.

For instance, these questions might help in determining if your insurance needs would benefit from an agent’s advice.

• What is high-risk coverage and where do I buy it?
• Is my babysitter covered when using my vehicle?
• Can my teen driver be rated on a liability-only vehicle?
• Will I be non-renewed for getting a DUI or other conviction?
• Am I covered if I crash into my own garage door?
• Do I need to file an SR-22 for a DUI in my state?
• Can I drive in Mexico and have coverage?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form.

Auto insurance 101

Having a good grasp of insurance can be of help when determining the best coverages for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Liability coverages – This protects you from damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage protects against claims such as court costs, attorney fees, loss of income, repair costs for stationary objects and medical services. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as fire damage, hitting a deer, falling objects and rock chips in glass. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage reimburse you for expenses like rehabilitation expenses, surgery and hospital visits. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover you and your occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

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

Collision can pay for claims like crashing into a ditch, hitting a parking meter and rolling your car. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

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