It takes a few minutes, but the best way to save on car insurance rates is to start comparing rates regularly from providers that sell auto insurance in Greensboro. You can shop around by completing these steps.
- First, try to learn a little about what is in your policy and the changes you can make to drop your rates. Many rating factors that result in higher prices such as accidents, traffic violations, and your credit history can be amended by making minor changes in your lifestyle.
- Second, compare rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can give quotes from a single company like Progressive or State Farm, while independent agencies can give you price quotes for many different companies. View companies
- Third, compare the new quotes to your existing policy and determine if cheaper Atlas coverage is available in Greensboro. If you find a better price and change companies, make sure coverage does not lapse between policies.
An important bit of advice to remember is that you’ll want to make sure you compare identical limits and deductibles on every price quote and and to get rates from as many companies as feasibly possible. Doing this ensures a fair rate comparison and the most accurate and complete price analysis.
It’s an obvious conclusion that car insurance companies don’t want you to compare rates. People who compare rates at least once a year will most likely move their business because there is a significant possibility of finding a policy with more affordable rates. A study showed that consumers who shopped around every year saved on average $70 a month compared to drivers who never shopped around for cheaper prices.
If saving money on auto insurance is your goal, then learning a little about how to shop for coverage rates can help you succeed in saving money.
Our goal in writing this article introduce you to how car insurance quotes work and also save some money in the process If you currently have insurance, you will definitely be able to shop for the lowest rates using the ideas you’re about to read. Drivers only need to know how to find the lowest price online.
How Car Insurance Companies Calculate Volkswagen Atlas Insurance Rates
Smart consumers have a good feel for the rating factors that play a part in calculating your auto insurance rates. When consumers understand what determines base rates, this helps enable you to make changes that could result in cheaper rates.
Listed below are just a few of the factors utilized by car insurance companies to help set your rates.
- Incidental coverages that may not be needed – Insurance policies have a lot of additional coverages you can purchase if you aren’t diligent. Add-on coverages like vanishing deductibles, death and dismemberment, and membership fees are some examples. The coverages may be enticing at first, but if you don’t need them remove them and pocket the money.
- High deductibles save money – Deductibles for physical damage define how much you are required to spend out-of-pocket if a claim is determined to be covered. Physical damage insurance, also called ‘full coverage’, is used to repair damage to your car. Examples of covered claims could be colliding with a stationary object, damage caused by hail, and damage from wind. The more you have to pay, the less money you will pay for auto insurance.
- Prevent your car from being stolen – Driving a car that has an advanced theft prevention system can help bring down rates. Anti-theft devices like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent car theft.
- Drive lots and pay more – The more miles you rack up on your Volkswagen each year the higher your rate. The majority of insurers calculate prices based upon how you use the vehicle. Vehicles that are left in the garage cost less to insure than those that get driven frequently. Make sure your policy shows how each vehicle is driven. Improper usage on your Atlas may be costing you higher rates.
- Allowing your coverage to lapse raises auto insurance rates – Having a gap between insurance policy dates will be a sure-fire way to increase your rates. And not only will insurance be more expensive, the inability to provide proof of insurance might get you fines and jail time.
- Better rates on safer vehicles – Safe vehicles are cheaper to insure. Safer cars reduce occupant injuries and better occupant protection means lower claim amounts passed on to you as lower rates. If the Volkswagen Atlas scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may be receiving a better rate.
- Get married and get better premiums – Having a significant other can actually save you money compared to being single. Having a spouse usually means you are more mature and responsible and statistics prove being married results in fewer claims.
- More traffic equals higher costs – Having an address in areas with lower population is a good thing when it comes to auto insurance. Urban drivers tend to have traffic congestion and longer commutes to work. Fewer drivers on the road corresponds to lower accident rates as well as less vandalism and auto theft.
Don’t overlook these Volkswagen Atlas insurance discounts
Not too many consumers would say auto insurance is affordable, but you might already qualify for some discounts that many consumers don’t even know exist. Many of these discounts will be applied automatically when you complete an application, but some must be asked for prior to receiving the credit.
- No Charge for an Accident – Not really a discount, but some companies like Liberty Mutual and GEICO allow you one accident without the usual rate increase with the catch being you have to be claim-free for a specific time period.
- Use Seat Belts – Buckling up and requiring all passengers to use their safety belts could save 15% off the personal injury premium cost.
- Cautious Driver Discounts – Drivers who don’t get into accidents can save up to 40% or more on their Greensboro car insurance quote compared to rates paid by drivers with frequent claims.
- Discount for New Cars – Putting insurance coverage on a new Atlas is cheaper due to better safety requirements for new model year vehicles.
- Own a Home and Save – Being a homeowner can save you money since home ownership demonstrates responsibility.
- Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discounted premium rate on car insurance if you buy a life policy as well.
- Policy Bundle Discount – When you combine your auto and homeowners insurance and insure them both with the same insurance company you may save up to 20% off your total Atlas insurance premium.
- Fewer Miles Equal More Savings – Low annual miles could be rewarded with substantially lower auto insurance rates.
- Switch and Save Discount – Some insurance companies provide a discount for buying a new policy prior to your current Atlas insurance policy expiration. It’s a savings of about 10%.
- More Vehicles More Savings – Insuring all your vehicles with the same company qualifies for this discount.
You should keep in mind that most discount credits are not given to your bottom line cost. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Despite the fact that it seems like adding up those discounts means a free policy, you aren’t that lucky.
Larger auto insurance companies and the discounts they provide are shown below.
- GEICO has savings for daytime running lights, good student, air bags, military active duty, defensive driver, five-year accident-free, and membership and employees.
- Travelers discounts include new car, home ownership, hybrid/electric vehicle, multi-policy, save driver, early quote, and good student.
- Farm Bureau policyholders can earn discounts including driver training, good student, multi-vehicle, renewal discount, safe driver, and 55 and retired.
- Liberty Mutual has discounts for exclusive group savings, new graduate, new vehicle discount, preferred payment discount, newly retired, and new move discount.
- American Family may have discounts that include good student, multi-vehicle, mySafetyValet, Steer into Savings, defensive driver, TimeAway discount, and good driver.
- Progressive offers discounts including homeowner, online signing, online quote discount, good student, and multi-policy.
If you need lower rates, check with all companies you are considering what discounts are available to you. Some credits may not apply to policies in every state.
Greensboro auto insurance companies
Buying coverage from a highly-rated auto insurance company can be challenging considering how many different insurance companies sell coverage in Greensboro. The rank data shown below can help you choose which insurers to look at when comparing rate quotes.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Quote. Compare. Save.
We covered a lot of information how to find cheaper Volkswagen Atlas insurance in Greensboro. The key concept to understand is the more times you quote, the better likelihood of getting affordable Volkswagen Atlas insurance quotes. Drivers may even discover the lowest priced car insurance comes from a small local company. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as GEICO and State Farm.
As you go through the steps to switch your coverage, do not skimp on critical coverages to save a buck or two. In many cases, someone dropped liability limits or collision coverage only to regret that they should have had better coverage. Your objective should be to buy enough coverage for the lowest price while still protecting your assets.
Even more information can be read at these sites:
- Teen Driving and Texting (State Farm)
- Who Has Cheap Greensboro Car Insurance for Drivers with a DUI? (FAQ)
- Who Has the Cheapest Greensboro Car Insurance Rates for College Graduates? (FAQ)
- Who Has Affordable Car Insurance for Drivers Under 25 in Greensboro? (FAQ)
- Who Has Affordable Car Insurance Rates for State Employees in Greensboro? (FAQ)
- Tread Depth and Tire Safety (State Farm)
- Protecting Teens from Drunk Driving (Insurance Information Institute)
- Five Mistakes to Avoid (Insurance Information Institute)
- Safety Belts FAQ (iihs.org)