How Much Does 2014 Cadillac ATS Insurance Cost?

If you are a novice to online auto insurance shopping, chances are good that you are bewildered due to the large selection of insurers all advertising big savings.

You should make it a habit to do price comparisons as often as possible because insurance prices are rarely the same from one policy term to another. Even if you think you had the best rate on ATS coverage a few years ago you can probably find a better premium rate now. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to one of the best ways to find better coverage at a better price.

Quote Cadillac ATS insurance more affordably

A large part of saving on car insurance is knowing some of the elements that play a part in calculating the level of your policy premiums. If you have some idea of what determines base rates, this enables informed choices that will entitle you to big savings.

The items below are some of the major factors used by insurance companies to determine prices.

• Liability coverage preserves assets – Liability coverage provides coverage when you are ruled to be at fault for causing personal injury or damage in an accident. Liability insurance provides legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive when compared to the cost of physical damage coverage, so buy as much as you can afford.
• Can a thief steal your car? – Owning a car that has a built-in theft deterrent system can help lower your rates. Anti-theft devices like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder car theft and help bring rates down.
• Car insurance policy lapses increase car insurance rates – Not having insurance is against the law and as a result your rates will increase for letting your insurance lapse for non-payment. And not only will insurance be more expensive, not being able to provide proof of insurance could earn you fines and jail time. You may have to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
• Big cities mean more claims – Living in areas with lower population is a positive aspect if you are looking for the lowest rates. Fewer drivers on the road means fewer accidents. Urban drivers tend to have congested traffic and longer commutes to work. More time commuting can result in more accidents.
• Use but don’t abuse your insurance – Car insurance companies award better rates to insureds who do not rely on their insurance for small claims. If you tend to file frequent claims, you can definitely plan on increased rates or even have your policy non-renewed. Auto insurance is meant to be used in the event of the large, substantial claims.

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How to find affordable insurance

To find cheaper quotes, there are a couple of ways to compare prices from companies that offer insurance in your state. The recommended way to compare rates consists of shopping online. It’s really quite simple and can be done in a couple of different ways.

The best way consumers can analyze rates would be an industry-wide quote request form like this one (opens in new window). This quick form prevents you from having to do separate quotation requests for every insurance company. Filling out one form will return quotes from multiple companies. Just one form and you’re done.

A slightly less efficient method to shop for insurance online requires a trip to each company’s website and complete a new quote form. For instance, let’s say you want to view quotes from Allstate, Liberty Mutual and State Farm. To do that, you would have to spend time on each company’s site and type in your information over and over, which is why first method is reommended.

To view a list of companies in your area, click here.

The hardest way to compare price estimates is to drive around to different agent offices. The ability to quote online makes this process obsolete unless you want the professional advice that only an agent can give. It is possible with some companies compare online quotes and have a local agent actually service the policy.

You can use whichever method you prefer to find lower rates, just try to keep nearly identical coverages on every quote you get. If you are comparing differing limits then you won’t be able to make a fair comparison for your Cadillac ATS. Even a minor difference in insurance coverages could mean much higher rates. And when comparing insurance rates, know that more quotes will increase your chances of finding lower pricing. Some companies don’t provide prices over the internet, so you also need to get rates on coverage from those companies, too.

Save money with these car insurance discounts

Car insurance is easily one of your largest bills, but you may qualify for discounts that can dramatically reduce your bill. A few discounts will automatically apply when you quote, but a few need to be manually applied prior to getting the savings.

• Drivers Education – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education in high school.
• Discount for New Cars – Buying a new car model may earn a small discount because new model year vehicles are generally safer.
• Senior Citizens – If you’re over the age of 55, you can get better car insurance rates on ATS coverage.
• Defensive Driver Discount – Taking time to complete a defensive driving course may get you a small discount and make you a better driver.
• Low Mileage Discounts – Driving fewer miles could earn cheaper car insurancerates.
• First Accident Forgiveness – Not necessarily a discount, but companies like State Farm, Progressive and Geico allow you one accident without the usual rate increase so long as you are claim-free for a specific time period.
• Safe Drivers – Drivers who avoid accidents can pay as much as 50% less on ATS coverage than their less cautious counterparts.

Don’t be surprised that most of the big mark downs will not be given to the overall cost of the policy. Most only apply to specific coverage prices like liability, collision or medical payments. Just because it seems like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

A few companies who might offer these money-saving discounts possibly include:

• 21st Century
• State Farm
• AAA
• Liberty Mutual
• Progressive

When getting a coverage quote, ask each company the best way to save money. Discounts may not be available in your area.

Insurance coverage can get complicated

When buying proper insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.

For example, these questions can help discover if your situation may require specific advice.

• Why do I only qualify for high-risk insurance?
• How do I buy GAP insurance?
• What are the best liability limits?
• Are there companies who specialize in insuring high-risk drivers?
• Is my 2014 Cadillac ATS covered for flood damage?
• How many claims can I have before being cancelled?
• Am I covered if I hit my neighbor’s mailbox?
• How much can I save by bundling my policies?
• Does my liability insurance cover pulling a trailer or camper?
• Do I have newly-aquired coverage?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form.

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Insurance coverages explained

Understanding the coverages of a insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for short-term medical expenses like EMT expenses, ambulance fees and prosthetic devices. They are utilized in addition to your health insurance program or if there is no health insurance coverage. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Auto liability

Liability insurance protects you from damage that occurs to other’s property or people that is your fault. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims such as loss of income, attorney fees and medical services. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive insurance

This 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 can pay for things such as hitting a deer, damage from a tornado or hurricane, falling objects and hail damage. The maximum payout a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Auto collision coverage

Collision coverage pays for damage to your ATS resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like damaging your car on a curb, colliding with another moving vehicle, crashing into a building, crashing into a ditch and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Cadillac ATS.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Power to the consumer

In this article, we presented quite a bit of information on how to compare 2014 Cadillac ATS insurance car insurance rates online. It’s most important to understand that the more you quote insurance, the better your chances of lowering your premium rates. Drivers may discover the best price on insurance is with a small local company.

The cheapest 2014 Cadillac ATS insurance can be sourced on the web and with local insurance agents, so get free insurance quotes from both of them to have the best chance of lowering rates. Some insurance providers don’t offer online price quotes and many times these regional insurance providers only sell through local independent agencies.

As you restructure your insurance plan, make sure you don’t buy less coverage just to save a little money. There are too many instances where someone dropped comprehensive coverage or liability limits only to find out that it was a big mistake. Your focus should be to get the best coverage possible at the lowest possible cost, but do not sacrifice coverage to save money.

Additional detailed information is located in the articles below:

• Shopping for a Safe Car (Insurance Information Insitute)
• State Laws for Cellphones and Texting (iihs.org)
• Learn About Car Insurance (Geico)
• Property Damage Coverage (Liberty Mutual)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)

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