Cheap 2017 Cadillac ATS Car Insurance Quotes

Want cheaper car insurance rates for your Cadillac ATS? There isn’t a single person who likes buying car insurance, especially when they know they could find lower prices if they just compared rates. Online insurance companies like Geico and Progressive promote their brand names with fancy advertisements and consumers find it hard to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.

Finding auto insurance

Reducing your 2017 Cadillac ATS insurance rates can be surprisingly simple. All you need to do is spend a few minutes on the computer comparing free insurance quotes to find the company with inexpensive insurance quotes. This can be accomplished by following the guidelines below.

  1. Probably the best way to get quotes is to use a rate comparison form like this one (opens in new window). This style of form eliminates the need for separate quote forms to each individual auto insurance company. One form gets you coverage quotes from multiple low-cost companies.
  2. A more time consuming way to analyze rates is to take the time to go to each company’s website and repeat the quote process. For example, let’s assume you want to compare rates from Liberty Mutual, Geico and GMAC. To get each rate you have to spend time going to each site individually to input your insurance information, and that’s why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

It doesn’t matter which method you choose, just ensure you are comparing nearly identical quote information with each company. If you enter different coverage information then you won’t be able to make a fair rate comparison.

Lower rate quotes by earning discounts

Insuring your fleet can be pricey, but you might already qualify for some discounts that you may not even be aware of. Some trigger automatically at the time you complete a quote, but a few must be asked for before they will apply.

  • Senior Discount – Seniors are able to get a discount up to 10% for ATS coverage.
  • Payment Discounts – By making one initial payment instead of monthly or quarterly installments you could save 5% or more.
  • Student Discounts – Getting good grades can save 20 to 25%. The good student discount can last well after school through age 25.
  • Early Signing – Select companies give a discount for switching companies before your current coverage expires. It’s a savings of about 10%.
  • Defensive Driver – Taking a defensive driving class could cut 5% off your bill depending on where you live.

As a disclaimer on discounts, most discounts do not apply to the entire policy premium. The majority will only reduce individual premiums such as comprehensive or collision. So when it seems like all those discounts means the company will pay you, insurance companies wouldn’t stay in business. But all discounts will reduce your overall bill.

Popular insurance companies and some of the discounts are shown below.

  • State Farm discounts include Steer Clear safe driver discount, driver’s education, safe vehicle, anti-theft, Drive Safe & Save, and accident-free.
  • Progressive has discounts for continuous coverage, good student, homeowner, multi-policy, multi-vehicle, online quote discount, and online signing.
  • Travelers offers premium reductions for home ownership, payment discounts, student away at school, good student, continuous insurance, and IntelliDrive.
  • American Family offers discounts including mySafetyValet, good driver, good student, multi-vehicle, and bundled insurance.
  • Liberty Mutual policyholders can earn discounts including preferred payment discount, multi-car, newly retired, good student, newly married, new move discount, and safety features.

Before you buy a policy, ask all companies you are considering what discounts are available to you. Savings may not apply in every state.

Informed drivers can reduce their insurance rates

Many different elements are considered when pricing auto insurance. Most are fairly basic such as your driving record, but others are less obvious such as whether you are married or your financial responsibility.

The itemized list below are most of the major factors used by companies to determine premiums.

  • Where you reside can influence premiums – Choosing to live in smaller towns and rural areas of the country can save you money when buying insurance. Fewer drivers means a lower chance of having an accident and also fewer theft and vandalism claims. People who live in big cities have more aggressive driving styles and a longer drive to work. More time behind the wheel means more chances of being involved in an auto accident.
  • Bad driving leads to higher costs – Being a careful driver has a lot to do with how much you pay for insurance. Even a single speeding ticket or other violation can boost insurance rates by as much as thirty percent. Drivers who don’t get tickets receive lower rates as compared to careless drivers. Drivers who get serious tickets like DUI or reckless driving may be required to maintain a SR-22 with their state’s department of motor vehicles in order to continue driving.
  • Combine policies to earn discounts – Most larger insurers provide better rates to customers who carry more than one policy such as combining an auto and homeowners policy. If you currently are using one company, you may still want to check prices from other companies to guarantee you are still saving the most.
  • Age of drivers – Older, more experienced drivers are more responsible, cause fewer claims and accidents and receive fewer citations.Teen drivers are proven to be easily distracted with other occupants in the car so they pay higher insurance rates.
  • An active insurance claims history can cost you – If you file claims often, you shouldn’t be surprised to get either policy cancellation or increased premiums. Auto insurance companies provide the lowest premiums to policyholders who are claim-free. Your insurance policy is designed for claims that pose a financial burden.
  • Males pay higher costs – The statistics show that females tend to be a little less risky than males. However, don’t assume that men are worse drivers. They both have fender benders at about the same rate, but males tend to have higher claims. They also have more aggressive citations like reckless driving and DUI.
  • Getting married pays dividends – Having a wife or husband helps lower the price compared to being single. Having a significant other may mean you are more mature and it’s proven that married drivers tend to file fewer claims.

Your insurance coverage should be tailored to you

When buying adequate coverage, there really is no best way to insure your cars. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions can aid in determining whether you may require specific advice.

  • Should I buy additional glass protection?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Does my personal policy cover me when driving out-of-state?
  • Is business equipment covered while in my vehicle?
  • Should I buy full coverage?
  • Are all vehicle passengers covered by medical payments coverage?
  • Should I file a claim if it’s only slightly more than my deductible?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Save $427 a year. For real?

Consumers can’t avoid all the ads for the lowest price insurance by 21st Century, Allstate and State Farm. All the ads say the same thing that drivers will save a bundle if you just switch your policy.

How does every company lower your car insurance rates? It’s all in how they say it.

Many companies look for specific characteristics for the type of driver that will be a good risk. One example of a preferred risk might be described as between the ages of 30 and 50, has a low-risk occupation, and drives a safe vehicle. A driver that hits that “sweet spot” will probably get the lowest car insurance rates and is almost guaranteed to save when switching.

Potential insureds who may not quite match these standards may be required to pay higher prices and this results in business going elsewhere. Company advertisements say “drivers that switch” not “everybody who quotes” will save that much if they switch. This is how insurance companies can confidently make it sound like they have such great car insurance rates. This emphasizes why you should compare many company’s car insurance rates. Because without a comparison, you cannot know the company that will have the lowest rate quotes.

Coverages available on your policy

Having a good grasp of car insurance can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Shown next are typical coverages found on most car insurance policies.

Collision protection

This will pay to fix damage to your ATS from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like backing into a parked car, driving through your garage door and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

This protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as damage to your Cadillac ATS.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like a broken windshield, falling objects, rock chips in glass and vandalism. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for bills for things like hospital visits, nursing services, dental work, doctor visits and EMT expenses. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Liability

This coverage will cover damage or injury you incur to other people or property. It protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things such as structural damage, pain and suffering, medical services and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but buy as much as you can afford.

In the end, you save

In this article, we covered a lot of ways to get a better price on 2017 Cadillac ATS insurance. The most important thing to understand is the more times you quote, the higher your chance of finding cheap insurance. Consumers may even find the most savings is with the smaller companies. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate, Geico and Progressive.

The cheapest 2017 Cadillac ATS insurance is possible both online in addition to local insurance agencies, and you need to comparison shop both to get a complete price analysis. Some companies may not provide rates over the internet and most of the time these regional insurance providers sell through local independent agents.

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