View 2014 Cadillac ATS Insurance Quotes

Looking for lower auto insurance rates for your Cadillac ATS? If you’re shopping for lower-cost insurance online, are you confused by the dozens of auto insurance sources in your area? People have so many sources available that it can be a difficult mission to compare rates.

How to compare insurance price quotes

Most larger insurance companies give price estimates on their websites. Getting prices online is very simple as you simply type in your personal and coverage information as requested by the quote form. Upon sending the form, the system makes automated requests for your driving and credit reports and returns a price quote based on the information you submitted.

Online quotes simplifies rate comparisons, but the work required to visit several different sites and complete many quote forms is monotonous and tiresome. But it’s very important to compare as many rates as possible if you want to get lower prices.

A more efficient way to locate the lowest prices uses one simple form that obtains quotes from more than one company. It saves time, eliminates repetitive work, and makes online price comparison much more enjoyable and efficient. Once the form is submitted, your coverage is rated and you are able to buy your choice of the quotes returned. If a lower price is quoted, you can click and sign and purchase the new policy. It takes less than 15 minutes and could lower your rates considerably.

To find out what other companies charge, simply click here to open in new window and enter your information. If you have your current policy handy, we recommend that you enter your coverages identical to your current policy. This helps ensure you will be getting a fair comparison using the exact same coverages.

Earn discounts on car insurance

Some companies don’t list the complete list of policy discounts very clearly, so the list below gives a summary of some of the best known as well as the least known credits that you can use to lower your rates. If you do not check that you are getting every discount you qualify for, you may be paying too high a price.

  • Onboard Data Collection – Policyholders that allow data collection to track driving habits by using a telematics device in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts as long as the data is positive.
  • Discounts for New Vehicles – Buying a new car model can be considerably cheaper because new model year vehicles keep occupants safer.
  • Payment Method – If paying your policy premium upfront instead of paying each month you can avoid the installment charge.
  • Smart Student Discounts – Maintaining excellent grades may save you up to 25%. The good student discount can last well after school through age 25.
  • Federal Employees – Active or retired federal employment could cut as much as 10% off for ATS insurance but check with your company.
  • Early Switch Discount – Select companies give a discount for buying a policy before your current coverage expires. You may see this discount when you get insurance coverage quotes online.
  • Anti-theft Discount – Cars, trucks, and SUVs that have factory anti-theft systems can help prevent theft and that can save you a little bit as well.
  • Multi-car Discount – Drivers who insure multiple vehicles on a single policy can get a discount for every vehicle.
  • Multiple Policy Discount – If you insure your home and vehicles and insure them both with the same insurance company you could earn a discount of nearly 15% which can help you find cheap insurance coverage.
  • Clubs and Organizations – Joining specific professional or occupational memberships or organizations could trigger savings on your bill.

One thing to note about discounts is that many deductions do not apply to all coverage premiums. Some only reduce individual premiums such as medical payments or collision. Even though it appears it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

Companies that may offer some of the above discounts are:

When getting a coverage quote, ask every prospective company which discounts they offer. Some discounts may not apply in your state. To see a list of insurance companies that provide some of the discounts listed above, click here.

Tailor your auto insurance coverage to you

When it comes to choosing coverage, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can aid in determining whether your personal situation may require specific advice.

  • When can I cancel my policy?
  • Does liability extend to a camper or trailer?
  • Do I pay less if my vehicle is kept in my garage?
  • Is my 2014 Cadillac ATS covered for smoke damage?
  • Do I have newly-aquired coverage?
  • Why am I required to buy liability insurance?
  • How do I buy GAP insurance?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Car insurance coverage information

Knowing the specifics of a auto insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Collision – This coverage will pay to fix damage to your ATS resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like damaging your car on a curb, crashing into a ditch, crashing into a building and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Comprehensive auto insurance – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from flooding, falling objects, vandalism and a broken windshield. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability insurance – This provides protection from damage that occurs to people or other property that is your fault. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things such as funeral expenses, bail bonds and pain and suffering. How much coverage you buy is up to you, but buy as large an amount as possible.

Coverage for uninsured or underinsured drivers – This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance pay for bills such as X-ray expenses, dental work, funeral costs, chiropractic care and doctor visits. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. It covers you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage