2017 Cadillac ATS Insurance Rates – 9 Savings Tips

Scraping up a payment for pricey Cadillac ATS insurance can take a big chunk out of your budget and possibly require postponing other expenditures. Doing a rate analysis is recommended to lower your bills every month.

Because you have many choices, it is very difficult to choose a lower cost insurance coverage provider.

Consumers need to compare prices every six months because insurance coverage rates change frequently. Even if you think you had the best deal on ATS insurance a year ago a different company probably has better prices today. Ignore everything you know about insurance coverage because I’m going to let you in on the secrets to the things you must know in order to reduce your cost while improving coverage.

Free auto insurance rate quotes

Getting a cheaper price on 2017 Cadillac ATS insurance isn’t really that difficult. The only thing you need to do is take time comparing free insurance coverage quotes to find out which insurance company has cheap insurance coverage quotes. This can be done by using one of the methods below.

1. The fastest and easiest way to find the lowest comparison rates is an all-inclusive rate comparison (click to open form in new window). This easy form eliminates the need for a different quote for every company. In just a few minutes this one form gets rate comparisons direct from many companies.
2. Another way to obtain and compare quotes online requires you to visit each company’s website and fill out a new quote form. For example, we’ll pretend you want to compare prices for Geico, Farmers and Progressive. In order to compare rates, you need to take the time to go to each site and repeatedly type in your coverage information, which is why the first method is quicker.

   For a list of links to companies insuring cars in your area, click here.

Whichever way you choose to compare rates, make sure you are using identical quote data on every quote. If you compare different limits and deductibles on each one it will be nearly impossible to determine the best price for your Cadillac ATS.

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Take advantage of with these nine discounts

Properly insuring your vehicles can get expensive, but you might be missing out on some discounts that can help lower your rates. Some discounts apply automatically at the time you complete a quote, but some must be specifically requested prior to getting the savings.

• Anti-theft Discount – Vehicles with anti-theft systems have a lower chance of being stolen and therefore earn up to a 10% discount.
• Buy New and Save – Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
• ABS Brakes – Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.
• Government Employee Discount – Federal government employees can save as much as 8% on ATS insurance with some auto insurance companies.
• Discounts for Cautious Drivers – Insureds without accidents may save up to 50% more on ATS insurance than their less cautious counterparts.
• Accident-Free Discounts – Insureds with no claims or accidents can save substantially compared to drivers who are more careless.
• Military Discounts – Having an actively deployed family member can result in better auto insurance rates.
• Driving Data Discount – Drivers who agree to allow their auto insurance company to monitor vehicle usage through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system may see discounts as long as they are good drivers.
• Paperwork-free – Some insurance companies will give a small break for buying your policy on the internet.

Policy discounts save money, but most discount credits are not given the the whole policy. Most only cut the price of certain insurance coverages like comprehensive or collision. So when the math indicates it’s possible to get free car insurance, that’s just not realistic. But all discounts should help lower the premium cost.

Some of the insurance companies that may offer quotes with most of the discounts above include:

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

If you are trying to find low cost insurance coverage quotes, ask all companies you are considering how many discounts you can get. Some of the earlier mentioned discounts may not be offered in your area. To see a list of insurers who offer free auto insurance quotes, click here.

Your situation helps dictate your coverage

When buying the right insurance coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s situation is a little different so this has to be addressed. For example, these questions might point out if your insurance needs might need an agent’s assistance.

• Should I put collision coverage on all my vehicles?
• Are my friends covered when driving my 2017 Cadillac ATS?
• What is PIP insurance?
• What is the rate difference between pleasure use and commuting?
• What is the ISO rating for a 2017 Cadillac ATS?
• When does my teenage driver need to be added to my policy?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Do I pay less for low miles?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Detailed coverages of your insurance policy

Having a good grasp of your insurance policy can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. These are typical coverages found on most insurance policies.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for prosthetic devices, X-ray expenses and ambulance fees. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverage

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hitting a bird, hail damage and damage from getting keyed. The highest amount 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.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Cadillac ATS.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision protection

This coverage will pay to fix damage to your ATS caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as sideswiping another vehicle, rolling your car and colliding with a tree. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Coverage for liability

Liability coverage protects you from damages or injuries you inflict on people or other property in an accident. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims like legal defense fees, repair costs for stationary objects, structural damage and medical services. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

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Best coverage at the best price

When you buy insurance coverage online, it’s a bad idea to buy less coverage just to save a little money. In many instances, an insured cut uninsured motorist or liability limits only to find out that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase plenty of coverage for the lowest price, but do not skimp to save money.

We’ve covered some good ideas how to compare 2017 Cadillac ATS insurance rates online. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding inexpensive insurance coverage. Consumers could even find that the biggest savings come from a small mutual company. They may cover specific market segments cheaper than the large multi-state companies such as Allstate or State Farm.

Additional information can be read at the links below

• Preventing Carjacking and Theft (Insurance Information Insitute)
• Anti-Lock Brake FAQ (iihs.org)
• Auto Theft Statistics (Insurance Information Insitute)
• Auto Insurance Basics (Insurance Information Insitute)

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