Save on 2015 Cadillac ATS Insurance Quotes

Trying to find lower insurance rates for your Cadillac ATS? Wish you could get out of an overpriced insurance policy? Don’t feel bad because many consumers are feeling buyer’s remorse and feel like there’s no way out.

Big companies like State Farm, Progressive and Geico persitently shower you with ads and it can be hard to ignore the propoganda and take the time to shop coverage around.

If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using these methods. Finding the best rates is quite easy. Although consumers must learn the way companies price online insurance.

Insurance coverage rates and discounts

Some insurance providers don’t always publicize all possible discounts very clearly, so the following is a list of some of the best known and also the lesser-known credits that may apply to you.

  • Safe Driver Discount – Safe drivers may receive a discount up to 45% on ATS insurance than their less cautious counterparts.
  • ABS Brakes – Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
  • Defensive Driving Course – Passing a course in defensive driving could save 5% or more if you qualify.
  • Discount for Life Insurance – Not all insurance carriers offer life insurance, but some may give you lower rates if you buy auto and life insurance together.
  • Pay Now and Pay Less – By paying your entire bill at once as opposed to paying monthly you could save up to 5%.
  • Low Mileage Discounts – Fewer annual miles on your Cadillac can qualify you for better premium rates on cars that stay parked.
  • Membership in Organizations – Participating in a civic or occupational organization could earn you a nice discount on insurance coverage.
  • New Vehicle Savings – Buying a new car model can be considerably cheaper due to better safety requirements for new vehicles.

Don’t be shocked that most discounts do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like medical payments or collision. So even though they make it sound like all the discounts add up to a free policy, companies wouldn’t make money that way.

Insurance companies that have these discounts are:

When quoting, ask each insurance company how many discounts you can get. Some credits may not apply to policies in your area. To see a list of providers that provide some of the discounts listed above, click here.

Situations that may require an agent’s advice

When it comes to buying proper insurance coverage for your vehicles, there really is not a perfect coverage plan. Each situation is unique so your insurance needs to address that. These are some specific questions might point out whether your personal situation might need an agent’s assistance.

  • Is my 2015 Cadillac ATS covered for smoke damage?
  • Will my insurance pay for OEM parts?
  • Am I covered when driving on a suspended license?
  • Do I need rental car coverage?
  • Does coverage extend to Mexico or Canada?
  • What are the financial responsibility laws in my state?
  • What discounts do I qualify for?
  • If my 2015 Cadillac ATS is totaled, can I afford another vehicle?
  • Should I have a commercial auto policy?
  • How much underlying liability do I need for an umbrella policy?

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 a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Auto insurance coverage breakdown

Understanding the coverages of your policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring. Below you’ll find the normal coverages available from auto insurance companies.

Auto liability

Liability insurance protects you from damages or injuries you inflict on other’s property or people in an accident. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as repair costs for stationary objects, funeral expenses, attorney fees, structural damage and emergency aid. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive auto coverage

Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as fire damage, a broken windshield and hitting a bird. The maximum amount your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as chiropractic care, funeral costs, doctor visits and dental work. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision coverage protection

Collision coverage will pay to fix damage to your ATS resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like backing into a parked car, hitting a parking meter, rolling your car, sideswiping another vehicle and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Stretch your dollar

Low-cost 2015 Cadillac ATS insurance can be purchased on the web and also from your neighborhood agents, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who may not offer the ability to get quotes online and many times these small, regional companies only sell coverage through independent agents.

As you prepare to switch companies, never buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced physical damage coverage and discovered at claim time that it was a big error on their part. Your aim should be to find the BEST coverage at the best price while not skimping on critical coverages.

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