Lower Your 2017 Cadillac ATS Car Insurance Rates

Trying to find cheaper auto insurance rates for your Cadillac ATS? No sane person gets a kick out of paying for auto insurance, particularly when they could find better rates elsewhere. There is such a variety of auto insurance companies to pick from, and though it is a good thing to have a choice, more options can take longer to compare rates and find the lowest cost auto insurance.

Learn how to buy insurance coverage for less

A large part of saving on insurance coverage is knowing a few of the rating criteria that go into determining the rates you pay for insurance coverage. If you know what influences your rates, this allows you to make good choices that can help you get cheaper rates.

The items below are a partial list of the pieces insurance coverage companies consider when setting your premiums.

  • Liability insurance risk factors in – Liability coverage is the coverage that protects you when a jury decides you are liable for physical damage or personal injury to other. Your liability coverage provides you with a defense in court to attempt to prove you were not liable. Liability insurance is pretty cheap when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.
  • Lower premiums with alarm systems – Selecting a car model that has an advanced theft prevention system can help lower your premiums. Theft prevention features like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop car theft and help bring rates down.
  • Additional coverages that may be costing you – There are many additional extra coverages you can purchase but may not be useful. Coverage for things like vanishing deductibles, accidental death, and extra equipment coverage may not be needed and are just wasting money. You may think they are a good idea at first, but your needs may have changed so eliminate them to save money.
  • Premiums and your address – Choosing to live in a small town can be a good thing if you are looking for the lowest rates. Urban drivers regularly have more aggressive driving styles and more time behind the wheel. Fewer people translates into fewer accidents and lower theft and vandalism rates.
  • Cheaper rates after marriage – Walking down the aisle can get you a discount on your insurance coverage policy. Marriage means you’re more stable financially and it’s proven that married drivers tend to have fewer serious accidents.

Lower your insurance coverage rates with discounts

Companies that sell car insurance don’t always publicize every policy discount very well, so the list below details some of the best known and also the more inconspicuous credits available to you.

  • Braking Control Discount – Vehicles with ABS braking systems or traction control have fewer accidents so companies give up to a 10% discount.
  • One Accident Forgiven – This isn’t a discount exactly, but some companies like Libery Mutual, Geico and Allstate will let one accident slide before your rates go up if you are claim-free before the accident.
  • Professional Organizations – Joining certain professional organizations may earn a discount on your next renewal.
  • E-sign Discounts – Some insurance companies provide a small discount for completing your application online.
  • Auto/Home Discount – When you combine your home and auto insurance and place coverage with the same company you may earn 10% to 20% off each policy.
  • Defensive Driver – Taking a course in defensive driver can save you 5% or more and easily recoup the cost of the course.
  • Discount for Good Grades – Getting good grades may save as much as 25% on a insurance coverage quote. Earning this discount can benefit you until age 25.
  • Anti-theft System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and that can save you a little bit as well.
  • Air Bag Discount – Vehicles equipped with air bags or automatic seat belts could see savings of 25 to 30%.

It’s important to understand that most discount credits are not given to the overall cost of the policy. Most only cut the cost of specific coverages such as comp or med pay. Even though the math looks like adding up those discounts means a free policy, insurance companies wouldn’t stay in business. But any discount will bring down your policy premium.

Some of the larger companies that may include these money-saving discounts include:

If you need lower rates, check with every insurance company how you can save money. Some of the discounts discussed earlier might not apply everywhere. If you would like to see a list of insurers that offer the discounts shown above, follow this link.

You are unique and your auto insurance should be too

When it comes to buying proper insurance coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions could help you determine whether or not you may require specific advice.

  • What is medical payments coverage?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Can I still get insurance after a DUI?
  • Should I carry comprehensive and collision coverage?
  • What is roadside assistance coverage?
  • How can I force my company to pay a claim?
  • How can I get my company to pay me more for my totalled car?
  • Do I need added coverage for expensive stereo equipment?
  • Can I afford low physical damage deductibles?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can help protect your family.

Specific coverage details

Learning about specific coverages of a car insurance policy can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Listed below are typical coverages found on the average car insurance policy.

Liability coverage – Liability insurance protects you from damage or injury you incur to other people or property. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage protects against things such as loss of income, emergency aid, court costs, attorney fees and pain and suffering. How much coverage you buy is your choice, but consider buying higher limits if possible.

Collision – This coverage pays for damage to your ATS caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as rolling your car, colliding with a tree, crashing into a ditch and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Cadillac ATS.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like fire damage, damage from getting keyed, theft, hail damage and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for expenses for things like dental work, prosthetic devices and pain medications. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Be a smart shopper

You just learned some good ideas how to lower your 2017 Cadillac ATS insurance prices. The most important thing to understand is the more quotes you get, the higher your chance of finding inexpensive insurance coverage. You may be surprised to find that the lowest prices come from a small mutual company. These companies may only write in your state and offer lower rates than their larger competitors like Progressive and Geico.

While you’re price shopping online, it’s not a good idea to reduce coverage to reduce premium. In many cases, an accident victim reduced uninsured motorist or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your goal is to buy the best coverage you can find for the lowest cost, but do not sacrifice coverage to save money.

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