Save on 2013 Cadillac ATS Insurance Rates

Want cheaper insurance coverage rates for your Cadillac ATS? There isn’t a single person who likes buying insurance coverage, especially when they are aware that the prices are way too high.

Lots of auto insurance companies contend to insure your vehicles, so it can be very hard to choose a provider to find the absolute best rates possible.

If you currently have car insurance, you will be able to reduce your rates substantially using these tips. Finding affordable coverage is not that difficult. Although vehicle owners need to learn the way insurance companies market on the web and use this information to your advantage.

Six factors that impact insurance costs

Part of the car insurance buying process is learning some of the elements that help calculate the rates you pay for car insurance. If you have a feel for what positively or negatively impacts your premiums, this enables you to make decisions that could result in better car insurance rates. Lots of things are taken into consideration when pricing auto insurance. Some are obvious such as your driving history, but some are less obvious such as whether you are married or your vehicle rating.

  • Premiums are affected by your credit score – Credit rating is a big factor in determining premium rates. Therefore, if your credit rating can be improved, you could be paying less to insure your 2013 Cadillac ATS by improving your credit score. Drivers who have excellent credit tend to be better risks to insure as compared to drivers with lower credit ratings.
  • Better premiums with anti-theft devices – Selecting a car model with an alarm system can get you a discount on your car insurance. Systems that thwart theives like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent car theft and help bring rates down.
  • Low coverage deductibles can be expensive – Deductibles for physical damage state the amount of money you are required to spend before your car insurance pays a claim. Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your car. Examples of covered claims could be a windshield broken by a bird, hail damage, and having a roll-over accident. The more of the claim the insured has to pay upfront, the lower your rates will be for ATS insurance.
  • Incidental coverages can add up – There are many additional coverages that sound like a good idea at the time but may not be useful. Coverages like rental car coverage, towing, and motor club memberships could be just wasting money. The coverages may be enticing when deciding what coverages you need, but if you’ve never needed them in the past consider taking them off your policy.
  • Do men or women drive better? – The statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that males are worse at driving than females. Women and men tend to get into auto accidents in similar numbers, but the male of the species tend to have higher claims. Not only are claims higher, but men get cited for more serious violations like driving under the influence (DUI). Male drivers age 16 to 19 are most likely to cause an accident so it costs more to insure them.
  • Big city or small town – Having an address in less populated areas is a good thing when it comes to car insurance. Drivers who live in large cities have to deal with more traffic problems and higher rates of accident claims. Fewer drivers corresponds to lower accident rates and lower theft and vandalism rates.

Free car insurance rate quotes

When looking for cheap auto insurance quotes, there are a couple ways of comparing rates from companies that offer car insurance in your state. The best way to find cheaper 2013 Cadillac ATS rates consists of shopping online. It’s really quite simple and can be done using a couple different methods.

  • If you are pressed for time, the simplest way to get the best comparison quotes would be an industry-wide quote request form click here to open form in new window. This style of form prevents you from having to do separate quote forms to each individual car insurance company. Filling out one form will get you price quotes from several companies.
  • A more time consuming way to shop for car insurance online is going to each company website and complete a new quote form. For sake of this example, let’s assume you want to compare Liberty Mutual, Geico and Farmers. In order to compare rates, you need to take the time to go to each site and repeatedly type in your coverage information, and that’s why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

  • Even if you have time, the least recommended way to shop rates is to spend time driving to different agent offices. The fact that you can get quotes online eliminates the middleman unless you have a complicated situation and need the trained guidance that can only be provided by a licensed insurance agent. However, consumers can compare the best prices online and get advice from an agent in your area.

You can choose any of those ways to find more affodable coverage, but do your best to use the exact same coverage data with every price quote. If you use different liability limits then you won’t be able to get a fair rate comparison. Having just a slight variation in coverage limits may result in large price differences. And when comparing car insurance rates, know that more quotes will improve the odds of getting a lower rate than you’re paying now.

Tricks in insurance advertising

Insurance providers like Progressive, Allstate and Geico endlessly run television and radio advertisements. They all seem to have a common claim that you can save after switching your insurance policy to them. How do they all sell you cheaper insurance coverage? Here is how they do it.

Insurance companies have a certain “appetite” for the type of customer that will add to their bottom line. An example of a desirable risk should be over the age of 50, has never had a policy lapse, and drives a safe vehicle. Someone that meets those criteria will qualify for the lowest car insurance rates and will also save a lot of money.

Consumers who do not meet this ideal profile may be forced to pay higher prices and business going elsewhere. The ads state “customers who switch” not “everyone who quotes” save that much. That is how insurance companies can confidently advertise the way they do. This illustrates why you need to compare as many free auto insurance quotes as you can. It is impossible to guess which insurance companies will give you the biggest savings.

Do you qualify for discount auto insurance?

Insuring your vehicles can cost a lot, but companies offer discounts that could help you make your next renewal payment. Many discounts should be triggered at the time of purchase, but a few must be requested specifically before you get the savings.

  • Clubs and Organizations – Affiliation with specific professional or occupational memberships or organizations may earn a discount on your bill.
  • Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts could see savings of up to 25% or more.
  • No Charge for an Accident – This isn’t a discount exactly, but companies like Geico, Progressive, and Allstate will allow you to have one accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
  • Policy Bundle Discount – If you insure your home and vehicles with one insurance company you will save up to 20% off your total premium.
  • Own a Home – Owning a house can save a few bucks since home ownership demonstrates responsibility.
  • Good Grades Discount – This discount can get you a discount of up to 25%. You can use this discount normally up until you turn 25.

Policy discounts save money, but most credits do not apply to your bottom line cost. Most cut the price of certain insurance coverages like comprehensive or collision. So even though you would think adding up those discounts means a free policy, companies wouldn’t make money that way.

Companies that may offer quotes with some of the discounts shown above include:

When quoting, ask each company what discounts are available to you. Savings might not be offered on policies in your state. To see a list of auto insurance companies who offer cheap auto insurance quotes, click here.

What insurance coverages do I need?

When choosing the right insurance coverage, there is no perfect coverage plan. Everyone’s needs are different so your insurance needs to address that. Here are some questions about coverages that might help in determining whether you will benefit from professional help.

  • Are my tools covered if they get stolen from my vehicle?
  • Does my liability insurance cover pulling a trailer or camper?
  • Should I carry comprehensive and collision coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • What is the minimum liability in my state?
  • I don’t drive much so do I pay less?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Am I covered when driving a rental car?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Car insurance 101

Understanding the coverages of your insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are the normal coverages found on the average insurance policy.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as theft, hitting a deer, hail damage and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for medical payments

Med pay and PIP coverage pay for short-term medical expenses for ambulance fees, prosthetic devices, chiropractic care and doctor visits. They are often used in conjunction with a health insurance plan or if you do not have health coverage. It covers all vehicle occupants and also covers getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Auto collision coverage

Collision coverage covers damage to your ATS from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like crashing into a building, hitting a mailbox, colliding with a tree and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Liability car insurance

Liability coverage can cover damages or injuries you inflict on other people or property that is your fault. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims like repair costs for stationary objects, structural damage and medical services. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as damage to your Cadillac ATS.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Final considerations

When getting auto insurance quotes online, it’s a bad idea to buy lower coverage limits just to save a few bucks. Too many times, an insured cut physical damage coverage and found out when filing a claim that it was a big error on their part. The ultimate goal is to buy a smart amount of coverage at the lowest possible cost but still have enough coverage for asset protection.

We just showed you a lot of techniques to reduce 2013 Cadillac ATS insurance rates online. The most important thing to understand is the more companies you get car insurance rates for, the better likelihood of getting the cheapest auto insurance. You may even discover the best rates are with a small mutual company. Smaller companies often have lower car insurance rates on specific markets than the large multi-state companies such as Allstate or State Farm.

More information can be read on the following sites: