View 2014 Cadillac ATS Insurance Rates

Searching for the cheapest auto insurance rates for your Cadillac ATS? Are you sick and tired of sacrificing to buy auto insurance? You have the same problem as many other consumers.

There is such a variety of auto insurance companies to choose from, and although it’s nice to be able to choose, so many choices can make it hard to get the best deal.

It’s a good idea to compare premium rates quite often due to the fact that insurance prices trend upward over time. If you had the best deal for ATS coverage on your last policy a different company probably has better rate quotes today. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the proper way to find better coverage at a better price.

Finding affordable coverage is not that difficult. Essentially everyone who is shopping for insurance coverage should be able to reduce their rates. But vehicle owners need to have an understanding of the way companies sell online.

More affordable rates with these car insurance discounts

Insurance can be prohibitively expensive, but you might already qualify for some discounts that can help lower your rates. A few discounts will be applied at the time of quoting, but some may not be applied and must be requested specifically before you get the savings.

  • Savings for New Vehicles – Insuring a new car is cheaper since new model year vehicles have better safety ratings.
  • Safety Restraint Discount – Requiring all passengers to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
  • No Accidents – Claim-free drivers get the best car insurance rates when compared to bad drivers.
  • Safety Course Discount – Taking part in a class that teaches defensive driving techniques could earn you a small percentage discount and easily recoup the cost of the course.
  • Active Military Service – Being deployed with a military unit may lower your car insurance rates slightly.
  • Homeowners Savings – Owning a house can earn you a little savings because it is proof of financial responsibility.
  • Discounts for Government Workers – Active or retired federal employment may reduce rates when you quote car insurance for ATS coverage with some car insurance companies.
  • Good Grades Discount – A discount for being a good student can save 20 to 25%. The good student discount can last up to age 25.

You should keep in mind that most discounts do not apply to the entire policy premium. Some only reduce individual premiums such as liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, you won’t be that lucky.

A few companies that possibly offer most of the discounts above include:

Check with each company which discounts you may be entitled to. Some discounts listed above may not apply to policyholders in your state.

Auto insurance can get complicated

When choosing the right insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique so your insurance should reflect that For instance, these questions can aid in determining whether your personal situation will benefit from professional help.

  • Should I have combined single limit or split liability limits?
  • Are my friends covered when driving my car?
  • Are rock chip repairs covered?
  • Why is insurance for a teen driver so high?
  • Should I carry comprehensive and collision coverage?
  • Am I covered when driving in Canada or Mexico?
  • Should I have a commercial auto policy?

If you’re not sure about those questions, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Save 15 percent in 15 minutes? Is it for real?

Popular car insurance providers such as GEICO, State Farm and Progressive regularly use ads on TV and radio. All the ads have a common claim that people will save just by moving your car insurance policy to them. How is it possible that every company can give you a better price? It’s all in the wording.

Most companies look for specific characteristics for a prospective insured that makes them money. A good example of this type of risk profile may be over the age of 45, has a low-risk occupation, and insures a new vehicle. Any driver who fits those characteristics will get a cheap rate quote and will save when switching.

Insureds who cannot meet those criteria must pay a more expensive rate and this can result in the customer buying from someone else. The trick companies use is to say “people who switch” not “all people who quote” save that much money. That is how companies can make claims that they all have the best auto insurance rates. That is why you absolutely need to compare price quotes frequently. Because you cannot predict with any certainty which company will provide the lowest rates.

Parts of your insurance policy

Knowing the specifics of your insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Listed below are the usual coverages available from insurance companies.

UM/UIM Coverage – Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and also any damage incurred to your Cadillac ATS.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for liability – This coverage provides protection from damages or injuries you inflict on other people or property in an accident. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims like funeral expenses, court costs and medical expenses. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Collision coverages – This covers damage to your ATS from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as crashing into a ditch, rolling your car and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Medical costs insurance – Coverage for medical payments and/or PIP reimburse you for bills for things like EMT expenses, prosthetic devices and pain medications. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, a broken windshield, damage from a tornado or hurricane, damage from flooding and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

More quotes mean more savings

Throughout this article, we presented many ways to compare 2014 Cadillac ATS insurance prices online. It’s most important to understand that the more quotes you get, the better your comparison will be. Consumers may even find the best prices are with a lesser-known regional company. Regional companies often have lower rates on specific markets as compared to the big name companies such as Allstate and Progressive.

Budget-friendly auto insurance is available from both online companies and from local agencies, so you need to shop car insurance with both to have the best rate selection. Some auto insurance companies may not have rate quotes online and usually these smaller companies provide coverage only through independent insurance agents.

For more information, feel free to browse the resources below: