Are you searching for lower-priced Volkswagen Atlas insurance in Newark? Searching for better insurance prices for a Volkswagen Atlas in New Jersey could be a lot of work, but you can follow these tips to make it easier. There is a right way and a wrong way to compare insurance rates so we’re going to tell you the proper way to get price quotes for a Volkswagen and obtain the lowest price.
It’s a known fact that insurance companies want to keep you from comparing rates. Insureds who shop around for cheaper rates are highly likely to move their business because there are good odds of getting low-cost coverage. Remarkably, a study showed that drivers who compared prices once a year saved an average of $865 annually compared to people who don’t regularly compare prices.
If finding the lowest price on Volkswagen Atlas insurance in Newark is why you’re reading this, then having some knowledge of how to choose a company and compare auto insurance can help you succeed in saving money.
Discounts can help to save on Volkswagen Atlas insurance in Newark
Insurance can be prohibitively expensive, but you might already qualify for some discounts to help offset the cost. Some trigger automatically at the time of purchase, but some may not be applied and must be specially asked for before you will receive the discount.
- Discount for Swiching Early – Some car insurance companies give discounts for signing up before your current coverage expires. You may see this discount when you get Newark auto insurance quotes online.
- Pay Upfront and Save – If you pay your entire premium ahead of time rather than paying in monthly installments you may have a lower total premium amount.
- Club Memberships – Having an affiliation with qualifying employment or professional organizations is a simple method to lower premiums on your bill.
- Defensive Driver Discount – Passing a defensive driving class could save 5% or more depending on where you live.
- No Claim Discounts – Drivers with accident-free driving histories pay much less in comparison to accident-prone drivers.
- One Accident Forgiven – This one isn’t a discount, but a handful of insurance companies will let one accident slide without the usual rate increase if you have no claims for a certain period of time.
- Anti-lock Brake System – Cars and trucks that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
- Federal Government Employee – Active or retired federal employment may qualify for a discount when you quote Newark auto insurance with a few car insurance companies.
- Senior Citizens – Drivers over the age of 55 may receive lower premium rates.
Discounts lower rates, but most of the big mark downs will not be given to all coverage premiums. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Despite the appearance that having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business. But all discounts will help lower the cost of your policy.
If you would like to choose from a list of companies who offer free Volkswagen Atlas insurance quotes in Newark, click this link.
Free Newark Volkswagen Atlas insurance quotes
Finding a better price on auto insurance isn’t really that difficult. The only requirement is to take the time to compare rates to see which company has affordable Volkswagen Atlas insurance quotes.
The auto insurance companies shown below can provide quotes in Newark, NJ. If you wish to find cheap auto insurance in Newark, we recommend you compare several of them in order to find the most competitive rates.
How Insurance Companies Calculate Volkswagen Atlas Insurance Prices
Part of the car insurance buying process is learning a few of the rating criteria that help determine your policy premiums. When you know what positively or negatively determines premiums, this empowers consumers to make smart changes that could help you find lower car insurance prices. Lots of factors are taken into consideration when you quote your car insurance policy. Some are pretty understandable like an MVR report, but other criteria are not as apparent such as your marital status or how financially stable you are.
Don’t skimp on liability protection – Liability coverage will afford coverage in the event that you are responsible for an accident. Liability provides you with a defense in court up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so buy as much as you can afford.
Deter theft and reduce rates – Owning a car with an alarm system can get you a discount on your car insurance. Theft deterrent systems like vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent auto theft and help lower rates.
Lower rates by increasing deductibles – Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, helps pay for damage to your vehicle. Some examples of claims that would be covered are running into the backend of another car, hitting a deer, or theft. The deductibles state the amount of money you are required to pay before your car insurance pays a claim. The more damage repair cost the insured is willing to pay, the less your company will charge you for insurance.
Higher rates for high stress employers – Careers like real estate brokers, executives, and emergency personnel usually pay the highest average rates due to stressful work requirements and lots of time spent at work. Conversely, occupations such as farmers, athletes and retirees receive lower rates.
Incidental coverages that aren’t used – There are a ton of optional add-on coverages that may not really be needed but may not be useful. Insurance for rental car reimbursement, towing coverage, and additional equipment coverage could be just wasting money. They may seem good when talking to your agent, but if you don’t need them remove them and pocket the money.
Local neighborhood agents and insurance
Some people prefer to buy from a local agent and that can be a smart move Most agents can point out coverage gaps and help you file claims. One of the best bonuses of comparing insurance prices online is that you can find cheap insurance rates and still buy from a local agent.
To help locate an agent, after submitting this quick form, your coverage information is immediately sent to companies in Newark who will give competitive quotes for your coverage. You won’t even need to search for any insurance agencies since rate quotes are delivered instantly to you. In the event you want to get a comparison quote from one company in particular, you would need to jump over to their website and fill out the quote form the provide.
Choosing an insurer requires more thought than just a cheap price quote. The questions below may impact your decision as well.
- Does the company use OEM repair parts?
- Do they have a Better Business Bureau rating in Newark?
- Can they give you a list of client referrals?
- Will their companies depreciate repairs to your car based on the mileage?
- Is the quote a firm price?
Pick the best car insurance agent in Newark for you
If you want to use a good insurance agency, it’s important to understand the types of agencies and how they are slightly different. Newark agents can be categorized as either exclusive or independent agents depending on their company appointments. Both types of agents can do a good job, but it’s good to learn how they differ because it can impact which type of agent you select.
Exclusive Agencies
These agents generally can only insure with one company like State Farm, AAA, and Liberty Mutual. Exclusive agents cannot provide other company’s prices so if the price isn’t competitive there isn’t much they can do. These agents receive a lot of sales training on what they offer which helps them sell insurance even at higher premiums. Some consumers prefer to use the same agent mostly because of high brand loyalty and solid financial strength.
Below is a short list of exclusive insurance agents in Newark willing to provide price quotes.
- State Farm: Zanetta Glover
570 Broad St #114 – Newark, NJ 07102 – (973) 648-0699 – View Map - Farmers Insurance – Anthony Pugliese
41 Wilson Ave – Newark, NJ 07105 – (973) 732-2105 – View Map - State Farm Insurance
360 Chestnut St – Newark, NJ 07105 – (800) 701-5909 – View Map
Independent Insurance Agents
Agents of this type are not locked into one company and that enables them to quote your coverage with a variety of different insurance companies and find the cheapest rate. If you want to switch companies, the agent simply finds a different carrier without you having to go to a different agency. If you are trying to find cheaper rates, it’s a good idea to include rate quotes from several independent insurance agents so that you have a good selection of quotes to compare. Many write coverage with smaller companies that many times have cheaper rates.
Listed below is a short list of independent agents in Newark that can give you price quotes.
- Morais Insurance Agency, Inc.
217 Ferry St – Newark, NJ 07105 – (973) 344-2000 – View Map - Dependable Insurance Agency Inc
1030 S Orange Ave – Newark, NJ 07106 – (973) 372-0002 – View Map - Arabo Insurance Group Inc
675 Bergen St – Newark, NJ 07108 – (973) 391-9595 – View Map
After getting acceptable answers as well as a affordable price, you may have found an insurance agent that meets your needs to adequately provide insurance. Just remember you can always cancel a policy whenever you wish so don’t feel that you’re stuck with a specific agent for the full policy term.
Choosing the best vehicle insurance in New Jersey is an important decision
Even though it can be expensive, paying for car insurance is required in New Jersey but also provides important benefits.
- The majority of states have minimum mandated liability insurance limits which means it is punishable by state law to not carry specific limits of liability insurance coverage in order to license the vehicle. In New Jersey these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you have a loan on your Volkswagen Atlas, most banks will make it a condition of the loan that you have insurance to guarantee their interest in the vehicle. If you do not pay your insurance premiums, the lender may insure your Volkswagen for a lot more money and require you to reimburse them much more than you were paying before.
- Insurance protects your Volkswagen Atlas and your assets. It will also provide coverage for medical expenses for not only you but also any passengers injured in an accident. Liability coverage, the one required by state law, also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If damage is caused by hail or an accident, comprehensive and collision coverage will pay to repair the damage minus the deductible amount.
The benefits of carrying enough insurance definitely exceed the cost, particularly when you have a large claim. Unknowingly, the average driver overpays as much as $855 a year so you should quote and compare rates each time the policy renews to ensure rates are competitive.
New Jersey auto insurance companies ranked
Insuring your vehicle with a good quality auto insurance company can be difficult considering how many different companies sell coverage in Newark. The ranking information below could help you select which car insurance providers you want to consider when comparing rates.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Mercury Insurance | 87 | 96 | 100 | 87% | A+ | 93.4 |
| The Hartford | 88 | 96 | 91 | 93% | A+ | 92.6 |
| Progressive | 84 | 94 | 99 | 90% | A+ | 92.4 |
| Travelers | 84 | 93 | 100 | 87% | A++ | 92.3 |
| State Farm | 84 | 93 | 95 | 87% | A++ | 91 |
| Farmers Insurance | 87 | 92 | 90 | 85% | A | 90.6 |
| Safeco Insurance | 85 | 91 | 87 | 86% | A | 88.4 |
| USAA | 71 | 93 | 98 | 87% | A++ | 88 |
| GEICO | 73 | 93 | 95 | 85% | A++ | 87.1 |
| 21st Century | 85 | 85 | 91 | 89% | A | 86.9 |
| Liberty Mutual | 72 | 91 | 97 | 83% | A | 86.4 |
| AAA Insurance | 85 | 85 | 88 | 86% | A | 85.8 |
| Nationwide | 71 | 90 | 93 | 83% | A+ | 84.9 |
| Allstate | 69 | 92 | 92 | 83% | A+ | 84.4 |
| American Family | 77 | 96 | 80 | 85% | A | 83.8 |
| Esurance | 70 | 80 | 89 | 77% | A+ | 79.2 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Do the work, save more money
Lower-priced Volkswagen Atlas insurance in Newark is possible online as well as from independent agents in Newark, so you should compare both in order to have the best chance of saving money. Some companies may not offer online quoting and many times these regional carriers sell through independent insurance agencies.
We’ve covered some good ideas how to shop for Volkswagen Atlas insurance online. The key concept to understand is the more providers you compare, the better likelihood of getting affordable Newark auto insurance quotes. You may even find the lowest priced auto insurance comes from some of the lesser-known companies.
Drivers who switch companies do it for a number of reasons such as delays in paying claims, an unsatisfactory settlement offer, extreme rates for teen drivers or even policy cancellation. No matter why you want to switch, choosing a new insurance company is pretty simple and you could end up saving a buck or two.
How to buy affordable Volkswagen Atlas insurance in Newark
If your goal is the lowest price, then the best way to get low-cost Volkswagen Atlas insurance is to do a yearly price comparison from insurance carriers who can sell car insurance in Newark.
Step 1: Gain an understanding of how insurance companies determine prices and the steps you can take to prevent expensive coverage. Many factors that result in higher prices like traffic citations and an unfavorable credit rating can be improved by being financially responsible and driving safely.
Step 2: Quote rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only quote rates from a single company like GEICO or Farmers Insurance, while independent agents can provide prices from multiple companies.
Step 3: Compare the new quotes to your existing rates to see if a cheaper rate is available. If you can save some money and buy the policy, make sure there is no coverage gap between policies.
An essential thing to point out is that you’ll want to compare the same deductibles and limits on every quote request and and to get price quotes from as many auto insurance providers as possible. Doing this guarantees a level playing field and the best price selection.
Additional detailed information can be read in the articles below:
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- Who Has Affordable Auto Insurance for Handicapped Drivers in Newark? (FAQ)
- What Auto Insurance is Cheapest for a Hyundai Elantra in Newark? (FAQ)
- Tread Depth and Tire Safety (State Farm)
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)