Premium is the amount over face value that you can get for a coin. Typically the rarer the coin, the higher the premium. Also, condition plays big role as well.
ATB Quarters would need to have a significantly rare die event to be worth much of a premium. For a relatively minor one like this, you'd have a hard time getting 2x (or $0.50), since there's not a major difference to the eye. This is why
ebay sellers will "hype" up a coin as being super-rare, never seen before to lure in a newbie and make a profit on a coin that should be worth face value.