2014 Cadillac ATS Insurance Quotes – 5 Tips for Cheapest Rates

I can’t think of anyone who likes having to buy car insurance, in particular when they are paying too much. Drivers have multiple insurance companies to insure vehicles with, and although it’s nice to have multiple companies, having more car insurance companies makes it harder to compare rates and cut insurance costs.

It’s a good idea to take a look at other company’s rates yearly since insurance rates change regularly. Just because you found the lowest price on ATS coverage two years ago you may be paying too much now. You’ll find quite a bit of inaccurate information about car insurance online, so we’re going to give you some tested techniques to slash your car insurance rates.

Buying car insurance is not that difficult. If you have insurance now or are shopping for new coverage, you can follow these tips to find better prices and still get good coverage. Drivers just need to learn the proper way to compare prices online.

Auto Insurance Prices Online

All the larger auto insurance companies like Allstate and Progressive provide prices online. Getting online quotes doesn’t take much effort as you just type in your personal and coverage information as detailed in the form. Once you submit the form, their rating system sends out for your driving record and credit report and generates a price based on many factors. Quoting online makes it a lot easier to compare rates but the work required to visit each company’s website and repetitively type in the same information can get tiresome after awhile. Unfortunately, it is important to perform this step if you want to find a better rate.

Rate comparisons made easy

The smarter way to find lower prices makes use of a single form that gets prices from more than one company. It saves time, reduces the work, and makes quoting online a lot less work. As soon as the form is sent, it is quoted with multiple companies and you can pick any or none of the quotes that you receive. If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. It only takes a few minutes and you’ll know if lower rates are available.

To save time and compare rates using this form now, click here to open in a new tab and fill out the form. If you currently have coverage, we recommend you type in the insurance coverages exactly as shown on your declarations page. This way, you will get a price comparison based on the exact same insurance coverage.

Tailor your coverage to you

When it comes to buying the best insurance coverage coverage, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s and your policy should reflect that. For instance, these questions can help discover if you could use an agent’s help.

Should I file a claim if it’s only slightly more than my deductible?
What if I total my 2014 Cadillac ATS and owe more than it’s worth?
Is business equipment covered while in my vehicle?
I have health insurance so do I need medical payments coverage?
What is the ISO rating for a 2014 Cadillac ATS?
Do I need roadside assistance coverage?
Is business property covered if stolen from my car?
Do I need added coverage for expensive stereo equipment?
Is my Cadillac ATS covered if I use it for business?

If it’s difficult to answer those questions, you may need to chat with an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance coverage companies in your area. It’s fast, free and can help protect your family.

Insurance specifics

Having a good grasp of your insurance policy aids in choosing which coverages you need for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverage types found on the average insurance policy.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision 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 crashing into a building, backing into a parked car, crashing into a ditch, sideswiping another vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like rehabilitation expenses, surgery, chiropractic care and X-ray expenses. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Cadillac ATS.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Comprehensive coverage (or Other than Collision)

This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like falling objects, rock chips in glass and hitting a bird. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability auto insurance

Liability coverage protects you from damage that occurs to people or other property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like legal defense fees, loss of income, pain and suffering, court costs and structural damage. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.