Lower Your 2013 Cadillac ATS Insurance Quotes

Comparison shopping for insurance coverage can be a challenge for consumers new to shopping for insurance online. People have so many options available that it can quickly become more work than you anticipated to find lower rates.

Compare the Market for Insurance Coverage

To find the best insurance coverage prices, there are several ways to compare rate quotes from insurance coverage companies in your area. By far the easiest way to compare 2013 Cadillac ATS insurance prices is simply to get online rate quotes. This can be done in several different ways.

Probably the best way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This type of form prevents you from having to do separate quote forms to each individual insurance coverage company. Completing one form gets rate comparisons from multiple companies. It’s the fastest way to compare.
A harder way to shop for insurance coverage online is spending the time to visit the website of each company to complete a price quote. For sake of this example, we’ll pretend you want to compare rates from Farmers, State Farm and Liberty Mutual. You would have to spend time on each company’s site to input your insurance information, and that’s why the first method is more popular.
To view a list of companies in your area, click here.

Whichever way you use, compare the exact same information with each company. If you enter unequal deductibles or liability limits it’s impossible to truly determine the lowest rate. Quoting even small variations in coverages may result in large price differences. It’s important to know that comparing more company’s prices gives you a better chance of getting better pricing.

You may need specialized coverage

When choosing adequate coverage for your personal vehicles, there is no one size fits all plan. Everyone’s situation is a little different.

For example, these questions can help discover whether you might need professional guidance.

Are rental cars covered under my policy?
Does my policy pay for OEM or aftermarket parts?
Why does it cost so much to insure a teen driver?
Do I need PIP coverage since I have good health insurance?
Which is better, split liability limits or combined limits?
How can I get my company to pay me more for my totalled car?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, complete this form.

Car insurance coverage breakdown

Having a good grasp of car insurance helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like rolling your car, driving through your garage door and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your 2013 Cadillac ATS.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for prosthetic devices, doctor visits, rehabilitation expenses, pain medications and X-ray expenses. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Liability insurance

Liability insurance will cover damage that occurs to people or other property in an accident. It protects you from legal claims by others, and does not provide coverage for 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 limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage protects against things like repair bills for other people’s vehicles, legal defense fees and court costs. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

Comprehensive coverage (or Other than Collision)

This pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hitting a deer, vandalism and hitting a bird. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.