How Much Does 2018 Cadillac ATS Car Insurance Cost?

Looking for the cheapest insurance rates for your Cadillac ATS? Are you at wits end from scraping nickels together to pay insurance each month? You are in the same boat as millions of other people.

Online insurance companies like Progressive, State Farm and Geico promote their brand names with advertising and it is difficult to sift through the bull and effectively compare rates to find the best deal.

It’s a great practice to take a look at other company’s rates quite often since prices are adjusted regularly by insurance companies. If you had the lowest price for ATS coverage six months ago a different company probably has better rates today. There is a lot of bad advice regarding insurance on the internet, but in a few minutes you can learn some of the best techniques to put money back in your pocket.

If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using this information. Buying car insurance is not rocket science. But car owners must learn how insurance companies market on the web because it can help you find the best coverage.

How to get auto insurance quotes

Shopping for lower auto insurance rates can be a lot of work if you don’t understand the fastest way to get free quotes. You could waste time discussing policy coverages with agents in your area, or you could use online quotes to get rate comparisons in just a few minutes.

Most of the best insurance companies take part in a program where prospective buyers enter their coverage request one time, and each participating company then gives them pricing for coverage. This saves time by eliminating repetitive form submissions for each company.

To find out how much you’re overpaying now click here (opens in new window).

The one downside to getting quotes like this is that consumers can’t choose the providers you want pricing from. So if you want to select specific providers to request quotes from, we put together a list of low cost auto insurance companies in your area. Click here for list of insurance companies.

Whichever way you choose to compare rates, ensure you’re using identical quote information for every company. If you are comparing different limits and deductibles on each one it’s not possible to determine the lowest rate for your Cadillac ATS. Just a small difference in coverage limits could throw off the whole comparison. And when price shopping your coverage, comparing more rates from different companies helps you find a better price.

Auto insurance policy discounts you can’t miss

The price of auto insurance can be rather high, but companies offer discounts that can help lower your rates. Some discounts will apply when you quote, but some discounts are required to be asked about before you will receive the discount.

• Onboard Data Collection – People who choose to allow companies to spy on where and when they drive by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate could see a rate decrease if they have good driving habits.
• Government Employee Discount – Active or retired federal employment could cut as much as 10% off for ATS coverage with certain companies.
• Include Life Insurance and Save – Auto insurance companies who offer life insurance give a discount if you purchase some life insurance too.
• Pay Now and Pay Less – By paying your entire bill at once as opposed to paying monthly you can avoid the installment charge.
• Theft Deterent – Anti-theft and alarm system equipped vehicles are stolen less frequently and will save you 10% or more.
• Discount for Multiple Policies – If you insure your home and vehicles and insure them both with the same insurance company you will save at least 10% off all policies.
• Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up before driving may be able to save a few bucks on the premium charged for medical payments and/or PIP.

Discounts lower rates, but most discounts do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as comp or med pay. If you do the math and it seems like having all the discounts means you get insurance for free, companies don’t profit that way.

Popular auto insurance companies and a selection of discounts are included below.

• Farm Bureau offers discounts for safe driver, driver training, multi-vehicle, renewal discount, 55 and retired, good student, and youthful driver.
• Liberty Mutual policyholders can earn discounts including hybrid vehicle, teen driver discount, multi-car, new move discount, newly married, good student, and new vehicle discount.
• State Farm may offer discounts for good student, driver’s education, multiple policy, passive restraint, student away at school, safe vehicle, and accident-free.
• Auto-Owners Insurance has discounts for teen driver, safe vehicle, multiple vehicles, paid in full, student away at school, and paperless.
• Geico may include discounts for multi-policy, good student, multi-vehicle, federal employee, air bags, and anti-theft.
• SAFECO has savings for safe driver, homeowner, anti-lock brakes, anti-theft, and multi-car.

If you are trying to find affordable insurance coverage quotes, ask every prospective company which discounts you qualify for. Savings might not be available to policyholders in your area.

Insurance agents can help

When choosing the right insurance coverage for your personal vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions can aid in determining whether or not you could use an agent’s help.

• Can I still get insurance after a DUI?
• Do I benefit by insuring my home with the same company?
• What are the financial responsibility laws in my state?
• Does my liability insurance cover pulling a trailer or camper?
• Do I have coverage when pulling a U-Haul trailer?
• Am I covered if I drive in a foreign country?
• Where can I find DUI or SR-22 insurance?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Detailed coverages of your insurance policy

Learning about specific coverages of a insurance policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverage types found on most insurance policies.

Liability coverages

Liability coverage protects you from damage or injury you incur to other’s property or people in an accident. This insurance 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. You commonly see values of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage pays for claims like structural damage, emergency aid and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many 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 very important.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for short-term medical expenses like doctor visits, hospital visits and surgery. They are utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Comprehensive protection

This will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from flooding, hitting a bird, theft and hitting a deer. The maximum payout your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage

Collision insurance pays for damage to your ATS resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like hitting a parking meter, crashing into a ditch, colliding with another moving vehicle and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.