Compare 2017 Cadillac ATS Insurance Quotes

Searching for cheaper insurance rates for your Cadillac ATS? Nobody likes having to buy insurance, especially when they know they could find better prices if they shop around. Since you have so many online and local companies to choose from, it is very difficult to pick the lowest price insurer.

The cheapest auto insurance

Shopping for lower auto insurance rates is a ton of work if you don’t utilize the most efficient way to do it. You could waste a few hours discussing policy coverages with agents in your area, or you can utilize the internet to quickly compare rates.

Most of the larger companies belong to an insurance system that enables customers to only type in their quote data once, and at least one company returns a rated price for coverage. This system prevents you from having to do quotation requests to each individual auto insurance company. To get comparison pricing now click here to open in new window.

The single downside to doing it this way is you are unable to specify the companies to get pricing from. So if you want to choose from a list of companies to compare, we have assembled a list of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but make darn sure you compare the exact same coverages and limits on every quote you get. If you have unequal deductibles or liability limits you will not be able to truly determine the lowest rate.

Car insurance policy discounts you can’t miss

Some companies don’t necessarily list the complete list of policy discounts in a way that’s easy to find, so the following list contains some of the best known and also the lesser-known ways to save on car insurance.

  • Government Employee Discount – Active or former government employment may qualify for a discount when you quote auto insurance for ATS coverage with select insurance companies.
  • Onboard Data Collection – Drivers who elect to allow their car insurance company to track when and where they use their vehicle by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks as long as they are good drivers.
  • Paperless Signup – A few larger online companies provide a small discount get auto insurance digitally online.
  • Multiple Cars – Buying coverage for more than one vehicle with one company qualifies for this discount.
  • Defensive Driver Discount – Successfully completing a class that teaches defensive driver techniques could earn you a small percentage discount if your company offers it.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can get savings of more than 20%.
  • Drive Safe and Save – Insureds without accidents can save up to 40% or more on their auto insurance quote for ATS coverage than drivers with accident claims.
  • Auto/Home Discount – When you combine your home and auto insurance and insure them both with the same insurance company you may earn up to 20% and get you cheaper auto insurance.
  • Drivers Ed for Students – It’s a good idea to have your young drivers successfully complete driver’s ed class if offered at their school.
  • College Student Discount – Older children who live away from home at college and do not have access to a covered vehicle could get you a discount.

A little disclaimer on discounts, most discounts do not apply to the entire cost. The majority will only reduce specific coverage prices like liability, collision or medical payments. If you do the math and it seems like all those discounts means the company will pay you, you won’t be that lucky.

A list of car insurance companies and the discounts they provide can be read below.

  • State Farm has discounts for driver’s education, good student, accident-free, passive restraint, and student away at school.
  • Nationwide offers premium reductions for multi-policy, Farm Bureau membership, good student, easy pay, and accident-free.
  • Geico includes discounts for federal employee, seat belt use, multi-policy, anti-lock brakes, membership and employees, and five-year accident-free.
  • AAA offers discounts including multi-policy, education and occupation, anti-theft, pay-in-full, and good student.
  • 21st Century policyholders can earn discounts including student driver, theft prevention, driver training, teen driver, good student, air bags, and anti-lock brakes.
  • The Hartford discounts include driver training, good student, anti-theft, air bag, defensive driver, bundle, and vehicle fuel type.

If you are trying to find low cost auto insurance quotes, ask every prospective company which discounts you may be entitled to. Some credits might not be offered on policies everywhere. To see a list of insurers that offer some of these discounts, click here.

Insurance agents can help

When it comes to choosing the best insurance coverage coverage for your vehicles, there really is no perfect coverage plan. Every situation is different so your insurance should reflect that These are some specific questions may help highlight whether your personal situation will benefit from professional help.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Is my babysitter covered when using my vehicle?
  • What can I do if my company denied a claim?
  • Does having multiple vehicles earn me a discount?
  • Does coverage extend to Mexico or Canada?
  • Where can I find DUI or SR-22 insurance?
  • Is my dog or cat covered if injured in an accident?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Car insurance coverages 101

Learning about specific coverages of car insurance can be of help when determining appropriate coverage and the correct deductibles and limits. Car insurance terms can be impossible to understand and reading a policy is terribly boring. Listed below are the normal coverages found on most car insurance policies.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Cadillac ATS.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these coverages do not exceed the liability coverage limits.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for dental work, chiropractic care, X-ray expenses, rehabilitation expenses and hospital visits. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as theft, damage from flooding and hail damage. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto liability

Liability coverage protects you from damages or injuries you inflict on other’s property or people by causing an accident. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as funeral expenses, bail bonds and pain and suffering. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Collision coverage

Collision coverage pays for damage to your ATS caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as rolling your car, sustaining damage from a pot hole and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.

Have the Midas touch

Discount 2017 Cadillac ATS insurance can be sourced both online and from local insurance agents, so get free auto insurance quotes from both of them to get a complete price analysis. There are still a few companies who don’t offer internet price quotes and many times these regional insurance providers only sell coverage through independent agencies.

We just showed you some good ideas how to get a better price on 2017 Cadillac ATS insurance. The most important thing to understand is the more companies you get prices for, the higher the chance of saving money. You may even find the best premium rates are with the least-expected company. These smaller insurers often have lower prices on specific markets than their larger competitors like Allstate, Geico and Progressive.

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