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.
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.
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.
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.
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.
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.
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 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.
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 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.
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.
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.
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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