2020 Volkswagen Atlas Car Insurance Rates in 2024

Are you regretting buying high-priced insurance coverage? Say no more because there are many people just like you.

Many insurance companies vie for your business, and it can be difficult to compare rates to get the lowest cost out there.

If you currently have car insurance, you will most likely be able to cut costs considerably using this strategy. Finding affordable coverage is not rocket science. Nevertheless, car owners must comprehend the way insurance companies market on the web and use this information to your advantage.

The quickest method to compare policy rates is to know most of the bigger providers allow for online access to give rate comparisons. To start a quote, the only thing you need to do is give the companies some data like the make and model of your vehicles, how much coverage you want, how many miles driven, and if a SR-22 is required. Your information is submitted instantly to multiple companies and they provide comparison quotes with very little delay.

Don’t overlook these auto insurance discounts

Companies don’t always list every possible discount very well, so the following is a list of a few of the more well known and the more hidden credits that may apply to you.

• Online Discount – Some of the larger companies will give a small break for completing your application over the internet.
• One Accident Forgiven – Not a discount per se, but a few companies such as GEICO and Allstate will allow you to have one accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
• Smart Student Discounts – Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
• Discount for Switching Early – A few auto insurance companies give discounts for renewing your policy prior to your current policy expiration. The savings is around 10%.
• Claim Free – Drivers who don’t have accidents pay less as opposed to frequent claim filers.
• Passive Restraints and Air Bags – Vehicles equipped with air bags may get savings of 25 to 30%.
• Payment Discounts – By paying your entire bill at once as opposed to paying monthly you can avoid monthly service charges.
• Student in College – Youth drivers living away from home attending college and do not have a car can receive lower rates.

As a disclaimer on discounts, some credits don’t apply to all coverage premiums. Some only reduce specific coverage prices like medical payments or collision. Even though the math looks like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

A few companies who might offer these discounts possibly include:

• GEICO
• Travelers
• Nationwide
• Farmers Insurance
• Esurance
• State Farm
• Progressive
• Mercury Insurance

If you are trying to find affordable insurance quotes, ask all the companies how many discounts you can get. Some of the earlier mentioned discounts may not apply to policyholders in your area. To see a list of insurers with discount auto insurance rates, enter your zip code here.

When to get professional advice

When it comes to choosing the right insurance coverage, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions might point out whether or not you could use an agent’s help.

• I have good health insurance, so how much medical payments coverage do I need?
• Do I need to file an SR-22 for a DUI in my state?
• How much liability do I need to cover my assets?
• What is medical payments coverage?
• When should I drop full coverage on my 2020 Volkswagen Atlas?
• Do I have coverage when pulling a U-Haul trailer?
• Where can I find DUI or SR-22 insurance?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an agent. To find lower rates from a local agent, complete your zip code.

Learn about car insurance coverages for a 2020 Volkswagen Atlas

Learning about specific coverages of your policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages offered by car insurance companies.

Comprehensive coverages

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a deer, rock chips in glass, damage from flooding, hail damage and damage from getting keyed. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Med pay and PIP coverage pay for immediate expenses like surgery, X-ray expenses, hospital visits, rehabilitation expenses and nursing services. They are utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as crashing into a building, hitting a parking meter, driving through your garage door, rolling your car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Liability coverages

This will cover damage or injury you incur to a person or their property in an accident. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged property. Another option is one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for claims such as funeral expenses, legal defense fees, emergency aid and structural damage. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Usually the UM/UIM limits do not exceed the liability coverage limits.