View 2015 Cadillac ATS Insurance Rates

Shoppers have options when shopping for the lowest priced Cadillac ATS insurance. They can either waste time contacting agents to compare prices or leverage the internet to get rate quotes.

There is a right way and a wrong way to shop for auto insurance and we’ll show you the quickest way to get price quotes for a Cadillac and get the best price possible.

If you have a policy now or are shopping for new coverage, you can follow these tips to cut your premiums and possibly find even better coverage. This article will help educate you on the best way to quote coverages and some money-saving tips. Consumers just need to understand the best way to find the lowest price online.

Where Can I Get Cheap Auto Insurance?

There are a lot of ways to shop for auto insurance, but there is one way that is more efficient than others. You can waste hours talking about coverages with insurance companies in your area, or you can stay home and use online quotes to get rates in a matter of minutes.

Many of the larger companies participate in a marketplace where insurance shoppers submit one quote, and each participating company can provide price quotes. This prevents consumers from doing quotation requests for each company you want a rate for. To get comparison pricing now click here to start a free quote.

The single downside to getting quotes like this is that you can’t choose the insurers to get pricing from. So if you want to choose individual companies to compare, we have a listing of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but make sure you use identical coverages and limits for every quote you compare. If each company quotes different values for each quote then you won’t be able to decipher which rate is best.

Cut prices on 2015 Cadillac ATS insurance

The price of auto insurance can be rather high, but you can get discounts that can drop the cost substantially. Certain discounts will be triggered automatically at the time of quoting, but some must be inquired about prior to getting the savings. If you aren’t receiving every discount you qualify for, you are throwing money away.

  • 55 and Retired – If you qualify as a senior citizen, you can possibly qualify for reduced rates for ATS insurance.
  • Discount for Good Grades – Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
  • Government Employees – Simply working for the federal government can earn a discount up to 10% for ATS insurance with a few insurance coverage companies.
  • Memberships – Belonging to certain professional organizations may earn a discount on insurance coverage for ATS insurance.
  • Multi-policy Discount – If you insure your home and vehicles with the same company you may save up to 20% off your total premium.
  • Passive Restraints – Cars that have air bags and/or automatic seat belt systems can get savings of up to 25% or more.
  • Defensive Driver – Completing a course teaching defensive driving skills can save you 5% or more depending on where you live.
  • Sign Online – A handful of insurance companies give back up to $50 for buying your policy over the internet.
  • Early Switch Discount – Some companies give discounts for signing up prior to your current policy expiration. It’s a savings of about 10%.
  • Homeowners Savings – Owning a home may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.

Drivers should understand that many deductions do not apply to all coverage premiums. Some only reduce specific coverage prices like collision or personal injury protection. So when it seems like having all the discounts means you get insurance for free, you’re out of luck. But any discount will bring down the amount you have to pay.

Insurance companies who might offer some of the above discounts include:

Double check with every prospective company which discounts they offer. Some discounts might not apply in your state.

Tailor your coverage to you

When it comes to choosing coverage, there is no perfect coverage plan. Every insured’s situation is different.

Here are some questions about coverages that might point out if your situation may require specific advice.

  • What is the minimum liability in my state?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When should I not file a claim?
  • Am I covered when driving someone else’s vehicle?
  • Can my teen driver be rated on a liability-only vehicle?
  • What should my uninsured motorist coverage limits be in my state?
  • Should I waive the damage coverage when renting a car?
  • Does having multiple vehicles earn me a discount?
  • When can my company non-renew my policy?
  • Is my 2015 Cadillac ATS covered for smoke damage?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Insurance coverages explained

Knowing the specifics of insurance can be of help when determining appropriate coverage and proper limits and deductibles. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Comprehensive or Other Than Collision

This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as a broken windshield, rock chips in glass, hitting a deer, hail damage and damage from flooding. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto collision coverage

This covers damage to your ATS resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as rolling your car, sustaining damage from a pot hole, backing into a parked car and crashing into a building. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Coverage for liability

This will cover damage that occurs to other people or property by causing an accident. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in 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 liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like bail bonds, repair bills for other people’s vehicles and funeral expenses. How much coverage you buy is up to you, but consider buying as much as you can afford.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Cadillac ATS.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for expenses for things like funeral costs, rehabilitation expenses and ambulance fees. They are utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage