2016 Cadillac ATS Car Insurance Rates

If you’re looking for lower-cost insurance on the web, are you confused by the dozens of insurance coverage choices in your area? Many other drivers are too. There are so many options that it is a real difficult job to find a cheaper company.

If you are paying for car insurance now, you should be able to cut costs considerably using these tips. This information will help educate you on how to effectively get price quotes and some money-saving tips. Although drivers need to have an understanding of how the larger insurance companies determine prices and apply this information to your search.

How to get insurance coverage quotes

All the larger insurance coverage companies such as Allstate, Geico and Progressive give coverage prices direct online. Getting prices online is very simple as you simply type in your required coverages into the form. Behind the scenes, their system will obtain credit information and your driving record and returns a price quote based on the data you entered.

This helps simplify price comparisons, but the time it takes to visit a lot of sites and type in the same data can be a bit tiresome and repetitive. But it’s also necessary to compare as many rates as possible if you want to find better insurance coverage pricing.

A quicker way to find better insurance coverage pricing uses one form that analyzes rates from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes online price comparison much easier. As soon as you send your information, your coverage is rated and you can choose any one of the quote results.

If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. The whole process can be completed in a matter of minutes and you will find out if you’re overpaying now.

To quickly compare pricing, simply click here to open in new window and enter your information. To compare your current rates, we recommend you duplicate your coverages exactly as shown on your declarations page. This makes sure you will have an apples-to-apples comparison for similar coverage.

Use discounts on insurance coverage

Not many people think insurance is cheap, but you may qualify for discounts that could drop your premiums quite a bit. Some discounts apply automatically when you get a quote, but some must be specially asked for before you get the savings.

• Good Students Pay Less – Performing well in school can save 20 to 25%. The good student discount can last up until you turn 25.
• Passive Restraints and Air Bags – Factory air bags or motorized seat belts may earn rate discounts up to 30%.
• Government Employee Discount – Active or former government employment may qualify for a discount when you quote insurance coverage on ATS coverage with some insurance coverage companies.
• Seat Belts Save – Buckling up and requiring all passengers to buckle up before driving could save 15% off the medical payments premium.
• College Student – Any of your kids who are attending college and don’t have a car can be insured at a reduced rate.
• Responsible Driver Discount – Safe drivers can pay as much as 50% less on ATS coverage than drivers with accidents.
• Fewer Miles Equal More Savings – Driving less could be rewarded with discounted prices on garaged vehicles.

It’s important to note that most of the big mark downs will not be given to the overall cost of the policy. Some only reduce specific coverage prices like medical payments or collision. Despite the appearance that adding up those discounts means a free policy, you’re out of luck.

A partial list of companies who may offer most of these discounts include:

• Geico
• MetLife
• State Farm
• Progressive
• Mercury Insurance
• 21st Century
• Allstate

If you are trying to find inexpensive insurance coverage quotes, ask all companies you are considering which credits you are entitled to. A few discounts may not be offered in your area. To choose providers that offer some of these discounts, click here to view.

Tailor your auto insurance coverage to you

When choosing proper insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different.

Here are some questions about coverages that might point out whether you could use an agent’s help.

• Exactly who is provided coverage by my policy?
• Can I get a multi-policy discount?
• What can I do if my company denied a claim?
• Am I covered if hit by an uninsured driver?
• Does my personal policy cover me when driving out-of-state?
• Am I covered when delivering products for my home-based business?
• Am I better off with higher deductibles on my 2016 Cadillac ATS?
• Can my teen drive my company car?
• Will my insurance pay for OEM parts?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form.

Coverages available on your policy

Understanding the coverages of a insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Liability – Liability coverage provides protection from damages or injuries you inflict on other people or property in an accident. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like emergency aid, repair bills for other people’s vehicles, loss of income and medical services. How much liability should you purchase? That is your choice, but buy higher limits if possible.

Medical costs insurance – Coverage for medical payments and/or PIP pay for short-term medical expenses for nursing services, dental work, pain medications, funeral costs and X-ray expenses. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

UM/UIM Coverage – This provides protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family and also any damage incurred to your Cadillac ATS.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are similar to your liability insurance amounts.

Collision – Collision coverage covers damage to your ATS resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as colliding with another moving vehicle, driving through your garage door, hitting a parking meter, backing into a parked car and rolling your car. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from a tornado or hurricane, hitting a bird and a broken windshield. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

In Summary

We’ve covered many tips how you can reduce 2016 Cadillac ATS insurance premium rates online. The most important thing to understand is the more quotes you get, the better likelihood of getting affordable insurance coverage. You may even discover the lowest premium rates come from a small mutual company.

Drivers change insurance companies for many reasons like unfair underwriting practices, extreme rates for teen drivers, being labeled a high risk driver and even questionable increases in premium. Regardless of your reason, finding a new insurance coverage company is pretty simple and you could end up saving a buck or two.

When shopping online for insurance coverage, make sure you don’t skimp on critical coverages to save a buck or two. In too many instances, consumers will sacrifice liability coverage limits and learned later they didn’t purchase enough coverage. Your strategy should be to buy enough coverage at the best cost, but don’t skip important coverages to save money.

More tips and info about insurance coverage is available by following these links:

• Older Drivers FAQ (iihs.org)
• Auto Insurance Basics (Insurance Information Insitute)
• Distracted Driving (Insurance Information Insitute)
• Teen Driver Licensing Information (iihs.org)
• Rental Reimbursement Coverage (Allstate)
• Uninsured Motorist Statistics (Insurance Information Insitute)