View 2016 Cadillac ATS Insurance Quotes

Car owners who just recently started comparing rates online can find purchasing the cheapest insurance coverage is more work than they thought.

It’s a good idea to price shop coverage on a regular basis because insurance rates are adjusted regularly by insurance companies. Even if you got the best rate for ATS coverage two years ago there may be better deals available now. Forget all the misinformation about insurance because you’re going to learn the only way to save on insurance.

Get affordable auto insurance rates with discounts

Companies that sell car insurance do not advertise all available discounts very clearly, so the following is a list of a few of the more common as well as some of the hidden auto insurance savings.

  • Auto/Life Discount – Select insurance carriers reward you with a lower rate if you buy life insurance from them.
  • Driver Education Discount – Have your child enroll and complete driver’s education as it can save substantially.
  • Discount for New Cars – Insuring a vehicle that is new may earn a small discount because new model year vehicles are generally safer.
  • Homeowners Savings – Owning a home can save a few bucks because of the fact that having a home demonstrates responsibility.
  • Low Mileage Discounts – Low mileage vehicles could qualify for discounted premium rates on garaged vehicles.
  • ABS Braking Discount – Cars and trucks with ABS and/or traction control have fewer accidents and will save you 10% or more.
  • Senior Citizens – If you’re over the age of 55, you may be able to get a discount up to 10% for ATS coverage.

You can save money using discounts, but most discount credits are not given to the overall cost of the policy. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates you could get a free auto insurance policy, companies wouldn’t make money that way.

A few of the larger companies and the discounts they provide are:

  • State Farm may include discounts for defensive driving training, multiple policy, student away at school, accident-free, and good driver.
  • Progressive discounts include homeowner, multi-vehicle, multi-policy, good student, online quote discount, continuous coverage, and online signing.
  • Progressive offers discounts for good student, continuous coverage, online quote discount, online signing, multi-policy, and multi-vehicle.
  • MetLife may offer discounts for good student, multi-policy, claim-free, defensive driver, good driver, accident-free
  • Farm Bureau has savings for multi-policy, good student, multi-vehicle, renewal discount, driver training, 55 and retired, and safe driver.
  • Geico includes discounts for driver training, multi-vehicle, federal employee, multi-policy, emergency military deployment, defensive driver, and daytime running lights.
  • SAFECO offers premium reductions for teen safety rewards, multi-car, homeowner, teen safe driver, anti-lock brakes, and bundle discounts.

If you want cheaper insurance coverage quotes, ask all the companies how many discounts you can get. Some of the discounts discussed earlier might not be offered on policies in every state. To choose companies with the best discounts, click here to view.

The quickest way to compare car insurance rates utilizes the fact all the major auto insurance companies actually pay money for the chance to give rate comparisons. All you need to do is provide the companies a bit of rating information like how old drivers are, how much you drive, whether you drive to work or school, and whether you are married. Your rating data gets transmitted to insurance carriers in your area and you should receive rate quotes instantly.

If you would like to compare rates now, click here and complete the quick form.

You can change your insurance prices

An important part of buying insurance is that you know some of the things that help determine your car insurance rates. If you know what determines base rates, this allows you to make educated decisions that may result in better car insurance rates.

  • Liability insurance risk factors in – A critical coverage on your policy, liability insurance is the protection if you are responsible for damages from an accident. It provides legal defense coverage to attempt to prove you were not liable. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so buy as much as you can afford.
  • Driving citations inflate rates – Whether or not you get tickets has a huge affect on how much you pay. Drivers with clean records pay lower auto insurance prices than their less careful counterparts. Even one driving citation can bump up the cost by twenty percent. Drivers unfortunate enough to have dangerous violations such as DWI, reckless driving or hit and run convictions may need to maintain a SR-22 with the DMV in their state in order to prevent a license revocation.
  • Can a thief steal your car? – Driving a car with anti-theft technology or alarm system can help lower your rates. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder vehicle theft.
  • Safer vehicles mean better prices – Vehicles with high crash test scores tend to have better insurance rates. The safest vehicles reduce injuries and fewer injuries means less money paid by your insurance company which can result in lower premiums.
  • Keep claims to a minimum – Companies generally give better rates to people who file claims infrequently. If you frequently file small claims, you can expect either policy cancellation or increased premiums. Auto insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • Urban residents pay more – Living in a small town may provide you with better prices when talking about car insurance. Fewer drivers and short commutes means fewer accidents and also fewer theft and vandalism claims. Urban drivers have to deal with more traffic problems and a longer drive to work. Spending more time driving means higher likelihood of an accident.
  • Prices and employer – Did you know your career choice can influence rates? Jobs such as fire fightersairline pilots and financial analysts generally pay higher premiums than the average policyholder in part from high stress levels and long work days. On the other hand, careers such as scientists, athletes and retirees have the lowest average rates for ATS coverage.

Tailor your auto insurance coverage to you

When buying the best auto insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Each situation is unique.

For example, these questions can aid in determining whether your personal situation might need professional guidance.

  • Is upholstery damage covered by car insurance?
  • When would I need rental car insurance?
  • What are the best liability limits?
  • How can I get high-risk coverage after a DUI?
  • What is an SR-22 filing?
  • Am I covered when driving on a suspended license?
  • Do I pay less if my vehicle is kept in my garage?
  • Should I bundle my homeowners policy with my auto?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form.

Brand name doesn’t guarantee savings

Respected companies like 21st Century, Allstate and State Farm continually stream television, radio, and online ads. All the companies seem to make the promise about saving some big amount if you change your car insurance policy to them. Is it even possible that every company can make almost identical claims? It’s all in the wording.

Different companies quote their best rates for the type of insured that earns them the most money. For example, a profitable customer may need to be a female over age 40, has no tickets, and has a high credit rating. Any driver who matches those parameters will probably get the lowest rates and most likely will cut their rates if they switch.

Consumers who do not fit these stringent criteria will probably have to pay a higher rate which usually ends up with the customer not purchasing. Company advertisements say “drivers that switch” not “everyone that quotes” can save as much as they claim. That’s why companies can state the savings. This really emphasizes why drivers must get price quotes at each policy renewal. It’s impossible to know with any certainty which company will have the lowest rate quotes.

Educate yourself about insurance coverages

Understanding the coverages of insurance helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Protection from uninsured/underinsured drivers

This coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Cadillac ATS.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like surgery, X-ray expenses, rehabilitation expenses and nursing services. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover you and your occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as theft, hitting a deer, damage from a tornado or hurricane, a tree branch falling on your vehicle and hitting a bird. The most your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for collisions

This coverage will pay to fix damage to your ATS caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like crashing into a ditch, sideswiping another vehicle, sustaining damage from a pot hole, colliding with another moving vehicle and driving through your garage door. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Liability car insurance

Liability insurance will cover injuries or damage you cause to a person or their property in an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims like medical services, attorney fees and court costs. How much liability should you purchase? That is your choice, but buy as much as you can afford.

More choices the merrier

Affordable 2016 Cadillac ATS insurance can be sourced online as well as from independent agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies may not offer rates over the internet and usually these regional insurance providers provide coverage only through independent agents.

People leave their current company for any number of reasons including extreme rates for teen drivers, questionable increases in premium, high rates after DUI convictions or delays in responding to claim requests. Regardless of your reason for switching companies, switching insurance coverage companies is not as hard as you think.

While you’re price shopping online, it’s a bad idea to sacrifice coverage to reduce premiums. Too many times, an insured cut liability coverage limits only to regret that the few dollars in savings costed them thousands. The ultimate goal is to buy the best coverage you can find for the lowest price while still protecting your assets.

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