Compare 2013 Cadillac ATS Insurance Cost

No one looks forward to buying car insurance, in particular when their premiums are through the roof. Online insurance companies like GEICO, 21st Century and Progressive continually bombard you with TV and radio ads and it can be hard to ignore the propoganda and take the time to shop coverage around.

You should make it a habit to compare prices quite often due to the fact that insurance rates change regularly. Even if you got the lowest price on ATS insurance a few years ago you can probably find a lower rate today. So just forget all the misinformation about car insurance because we’re going to show you the quickest way to reduce your cost while increasing coverage.

If you are insured now or need a new policy, you can use this information to reduce the price you pay while maximizing coverage. Choosing the best insurance company for you is not that difficult. Drivers only need to know how to shop their coverage around online.

Cadillac ATS insurance rates consist of many parts

An important part of buying insurance is that you know the different types of things that go into determining car insurance rates. Knowing what determines base rates helps enable you to make changes that can help you get big savings.

  • Safer occupants lowers premiums – Vehicles with good safety scores can get you lower premiums. The safest vehicles reduce injuries and any reduction in injury severity translates into fewer and smaller insurance claims passed on to you as lower rates. If your Cadillac ATS earned at least four stars on or an “acceptable” rating on you may qualify for a discount.
  • More claims means more premium – Car insurance companies generally give lower rates to insureds who are claim-free. If you are a frequent claim filer, you can expect either higher rates or even cancellation. Your insurance policy is intended to be relied upon for the large, substantial claims.
  • How’s your driving record? – Your driving citation history has a big impact on rates. Just one citation may increase your cost by twenty percent. Drivers with clean records receive lower rates than people who have multiple driving citations. Drivers who have severe citations like hit and run, DWI or reckless driving convictions may need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to drive a vehicle legally.
  • Don’t let your coverage lapse – Allowing your coverage to lapse is a quick way to increase your car insurance rates. Not only will rates go up, but being ticketed for driving with no insurance can result in a hefty fine and possibly a revoked license.

Lots of discounts mean lots of savings

Car insurance companies do not advertise all their discounts very clearly, so here is a list both well-publicized and also the lesser-known savings tricks you should be using. If you’re not getting every credit possible, you’re just leaving money on the table.

  • Safety Course Discount – Successfully completing a course teaching defensive driving skills can save you 5% or more if your company offers it.
  • Government Employees – Being employed by or retired from a federal job could cut as much as 10% off on ATS insurance depending on your company.
  • 55 and Retired – If you qualify as a senior citizen, you can possibly qualify for reduced rates on ATS insurance.
  • Student Driver Training – Require your teen driver to complete a driver education course if it’s offered in school.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
  • Claim Free – Good drivers with no accidents can earn big discounts when compared to frequent claim filers.
  • Bundle and Save – If you insure your home and vehicles with one insurance company you will save approximately 10% to 15%.

Drivers should understand that some credits don’t apply to all coverage premiums. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like you could get a free insurance policy, it just doesn’t work that way.

To see a list of companies offering insurance discounts, click here.

Situations that might require an agent

When buying adequate coverage for your personal vehicles, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions can help discover whether or not you may require specific advice.

  • Do I need higher collision deductibles?
  • Are my friends covered when driving my 2013 Cadillac ATS?
  • If my 2013 Cadillac ATS is totaled, can I afford another vehicle?
  • Is my 2013 Cadillac ATS covered for smoke damage?
  • Does my insurance cover my expensive audio equipment?
  • Am I covered if I crash into my own garage door?
  • Which is better, split liability limits or combined limits?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

Educate yourself about car insurance coverages

Knowing the specifics of your car insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Below you’ll find typical coverages available from car insurance companies.

Liability auto insurance

Liability insurance will cover damages or injuries you inflict on people or other property in an accident. This coverage protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage protects against things such as structural damage, court costs, attorney fees and pain and suffering. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like surgery, prosthetic devices and pain medications. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Cadillac ATS.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive insurance

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

Comprehensive coverage pays for claims such as hail damage, rock chips in glass and theft. The highest amount your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for collisions

Collision coverage pays for damage to your ATS resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like hitting a mailbox, crashing into a ditch, rolling your car and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

Have money to burn

As you shop your coverage around, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many situations where an insured cut physical damage coverage and discovered at claim time that they should have had better coverage. Your goal should be to purchase a proper amount of coverage at a price you can afford while still protecting your assets.

Budget-conscious 2013 Cadillac ATS insurance can be sourced online as well as from independent agents, and you should be comparing both in order to have the best chance of saving money. Some companies don’t offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

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