2018 Cadillac ATS Car Insurance Cost – 10 Tips for Best Prices

Want cheaper car insurance rates for your Cadillac ATS? No one loves paying for car insurance, especially when they know they could find better rates elsewhere. People have multiple insurers to buy insurance from, and though it is a good thing to have a choice, lots of choices makes it harder to find the best rates for your vehicles.

The best way to compare insurance rates from multiple companies is to know the trick most of the larger companies participate in a system to provide you with a free rate quote. All you need to do is give them some information including if a SR-22 is required, an estimate of your credit level, how much coverage you want, and whether your vehicle is owned or leased. The rating information is submitted instantly to insurance carriers in your area and you will get price comparisons quickly.

Find hidden discounts to get affordable car insurance rates

Companies that sell car insurance don’t always publicize every disount available in a way that’s easy to find, so the list below details some of the best known and also the lesser-known credits that you can use to lower your rates. If you are not receiving all the discounts you qualify for, you could be paying more than you need to.

  • ABS Braking Discount – Cars and trucks with ABS and/or traction control are much safer to drive and qualify for as much as a 10% discount.
  • E-sign Discounts – Certain larger companies will give you a small discount for buying your policy on their website.
  • Driver Education Discount – Cut your cost by having your teen driver sucessfully take a drivers education course as it can save substantially.
  • Membership in Organizations – Belonging to certain professional organizations can get you a small discount on your bill.
  • Theft Deterent – Cars optioned with advanced anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Home Ownership Discount – Just being a homeowner may earn you a small savings because of the fact that having a home requires a higher level of personal finance.
  • Discount for Low Mileage – Low mileage vehicles can earn slightly better prices than normal.
  • Resident Student – who are attending college without a vehicle on campus could get you a discount.
  • Full Payment Discount – If paying your policy premium upfront instead of monthly or quarterly installments you can avoid the installment charge.
  • Seat Belts Save – Drivers who require all vehicle occupants to use their safety belts can save up to 10 percent (depending on the company) off the PIP or medical payment premium.

A little note about advertised discounts, some credits don’t apply the the whole policy. Most cut specific coverage prices like liability and collision coverage. So when the math indicates you could get a free car insurance policy, you’re out of luck. But any discount will definitely lower the premium cost.

Popular car insurance companies and some of their more popular discounts include:

  • Progressive discounts include multi-policy, continuous coverage, good student, multi-vehicle, homeowner, and online quote discount.
  • AAA offers discounts including good student, anti-theft, AAA membership discount, pay-in-full, multi-policy, education and occupation, and multi-car.
  • Farmers Insurance includes discounts for good student, bundle discounts, electronic funds transfer, switch companies, multi-car, and teen driver.
  • GEICO has savings for daytime running lights, anti-lock brakes, membership and employees, multi-vehicle, federal employee, and military active duty.
  • Esurance offers discounts for anti-theft, homeowner, renters, multi-car, and Pac-12 alumni.
  • SAFECO may offer discounts for drive less, accident prevention training, multi-car, bundle discounts, teen safe driver, and teen safety rewards.
  • State Farm policyholders can earn discounts including anti-theft, Steer Clear safe driver discount, multiple policy, driver’s education, and accident-free.

Before buying, ask every insurance company which credits you are entitled to. Some discounts might not be offered in your area. To find insurers with significant discounts, click here to view.

Tailor your auto insurance coverage to you

When it comes to choosing coverage, there isn’t really a “best” method to buy coverage. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that may help you determine whether you will benefit from professional help.

  • Do I pay less for low miles?
  • Does car insurance cover theft of personal property?
  • What are the financial responsibility laws in my state?
  • What is UM/UIM insurance?
  • How do I file an SR-22 for a DUI in my state?
  • When should I not file a claim?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance coverage considerations

Understanding the coverages of auto insurance can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages found on the average auto insurance policy.

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your Cadillac ATS.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive protection

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like fire damage, vandalism, hail damage, falling objects and damage from a tornado or hurricane. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical expense coverage

Med pay and PIP coverage pay for expenses like pain medications, prosthetic devices, nursing services and funeral costs. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Liability coverage

This coverage provides protection from damage or injury you incur to other’s property or people in an accident. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 that means you have $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.

Liability coverage protects against claims such as pain and suffering, loss of income, medical expenses and funeral expenses. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as crashing into a building, rolling your car and colliding with another moving vehicle. 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.

Money doesn’t grow on trees

In this article, we presented quite a bit of information on how to shop for 2018 Cadillac ATS insurance online. The key concept to understand is the more quotes you get, the higher your chance of finding the cheapest auto insurance. Drivers may discover the best auto insurance rates are with an unexpected company. These smaller insurers may have significantly lower premium rates on certain market segments compared to the large companies like State Farm, GEICO and Nationwide.

When trying to cut insurance costs, it’s a bad idea to skimp on coverage in order to save money. There have been many situations where someone sacrificed physical damage coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy the best coverage you can find at the lowest possible cost while not skimping on critical coverages.

Additional information can be read at the links below