Cheap 2015 Cadillac ATS Insurance Quotes

Searching for lower insurance rates for your Cadillac ATS? Locating low-cost insurance for your Cadillac ATS can normally be a painful process, but you can learn a few tricks to find lower rates. There are both good and bad ways to shop for insurance so you’re going to learn the best way to compare rates for a new or used Cadillac and find the cheapest rates either online or from local insurance agents.

It’s a great practice to check insurance prices every six months since insurance prices go up and down regularly. If you had the best rate on ATS coverage two years ago you can probably find a better premium rate now. Block out anything you think you know about insurance because I’m going to teach you one of the best ways to save on insurance.

Finding affordable coverage is not rocket science. If you have a policy now or are shopping for new coverage, you will benefit by learning to get lower rates while maintaining coverages. Drivers only need an understanding of the tricks to get comparison rates online.

Save a ton with these insurance discounts

Some insurance providers don’t always publicize every disount available in a way that’s easy to find, so the following is a list of both the well known as well as the least known credits that you can use to lower your rates.

  • Theft Prevention System – Cars equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and that can save you a little bit as well.
  • Waiver for an Accident – Not really a discount, but some insurance companies will turn a blind eye to one accident without the usual rate increase if your claims history is clear for a specific time period.
  • Discount for Low Mileage – Low annual miles may allow you to get lower rates on the low mileage vehicles.
  • Government Employee Discount – Active or former government employment may qualify for a discount when you quote car insurance on ATS coverage depending on your company.
  • Mature Driver Discount – If you qualify as a senior citizen, you may be able to get reduced rates on ATS coverage.
  • Discounts for New Vehicles – Buying a new car instead of a used car is cheaper because newer models have to meet stringent safety requirements.

As is typical with insurance, many deductions do not apply the the whole policy. Most only reduce specific coverage prices like comprehensive or collision. So despite the fact that it appears you would end up receiving a 100% discount, insurance companies wouldn’t stay in business. Any amount of discount will definitely lower your premiums.

To locate companies that offer discounts, click here to view.

Auto insurance can get complicated

When choosing the best auto insurance coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s situation is unique.

These are some specific questions can aid in determining whether your personal situation might need an agent’s assistance.

  • Does coverage extend to my business vehicle?
  • Am I covered when driving in Canada or Mexico?
  • Should I get collision insurance on every vehicle?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Can I afford to buy a different vehicle if my 2015 Cadillac ATS is totaled?
  • Is business property covered if stolen from my car?
  • What is no-fault insurance?
  • When would I need additional glass coverage?
  • How many claims can I have before being cancelled?
  • When does my teenage driver need to be added to my policy?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Do auto insurance companies bend the truth?

Consumers can’t avoid all the ads for the lowest price auto insurance by companies like State Farm, Geico and Progressive. They all state the claim that you can save just by moving to them.

It sounds good, but how can they all offer you a better deal? It’s all in the words they use.

All companies provide the lowest rates for the type of driver that will not have excessive claims. For example, this type of risk profile could be married and over the age of 30, has a low-risk occupation, and has a high credit rating. Any new insured who fits those characteristics receive the lowest rate quotes and will save quite a bit of money when switching.

Drivers who cannot meet the ideal profile will be quoted higher rates which leads to the customer not purchasing. The ads state “drivers who switch” not “everybody who quotes” can get the lowest rates when switching. That’s the way companies can truthfully make those statements. This really emphasizes why drivers should compare many company’s premium rates. It is just not possible to predict the company that will have the best car insurance rates for your profile.

Insurance policy specifics

Learning about specific coverages of your policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Cadillac ATS.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for immediate expenses such as pain medications, X-ray expenses, dental work, doctor visits and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like a broken windshield, hitting a bird and falling objects. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage protection

This pays for damage to your ATS resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like scraping a guard rail, hitting a mailbox and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Coverage for liability

This will cover damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims such as bail bonds, medical services, repair bills for other people’s vehicles and structural damage. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Be Smart and Buy Smart

We just covered many ideas to reduce 2015 Cadillac ATS insurance premium rates online. The key concept to understand is the more companies you get prices for, the better chance you’ll have of finding affordable car insurance. Consumers could even find that the lowest priced insurance comes from some of the lesser-known companies.

People who switch companies do it for a number of reasons such as not issuing a premium refund, denial of a claim, being labeled a high risk driver and delays in paying claims. Regardless of your reason, switching companies can be easier than you think.

Affordable 2015 Cadillac ATS insurance is attainable both online in addition to local insurance agencies, so you need to quote car insurance with both so you have a total pricing picture. Some insurance providers may not provide rates over the internet and many times these small, regional companies work with independent agents.

Even more information is available in these articles:

Comments About 2015 Cadillac ATS Insurance

  1. Dylan Mccall

    Cheaper not always better. I live just to the east of Bangor, ME. Compared quite a few companies. Saved darn near $60 a month. Progressive was the cheapest option for me. I recommend comparing lots of rates.

  2. Erick Sexton

    If you don’t have tickets and live near Colorado Springs, CO, check out 21st Century. I saved quite a bit. Insured with Progressive before. I have a teen driver too. Just waiting to see how claims go.

  3. Rachelle Mckinney

    Liked the article. I live in a small town just outside of Raleigh, NC. I compared lots of rates. Saved right around $70 a month. Allstate was the cheapest option for me.

  4. Nereida Hendricks

    Great site. I live on the south side of Greensboro, NC. Went online for free insurance quotes for a 2015 Cadillac ATS. Ended up at about $240 savings annually. Went with Allstate. I have several vehicles insured with them.

  5. Roberta Cochran

    I got quite a few price quotes for a 2015 Cadillac ATS in Norman, OK. Ended up at right around $280 every six months with Amica. Not sure if rates are cheaper online or through an agent.

  6. Gregg Roberson

    Lots of useful info here. I live just to the south of Missoula, MT. Quoted with Hartford, American Family, MetLife, and a couple others for my ATS and saved just over $280 a year. I have kids on my policy, too.

  7. Shay Hall

    Great site. I’m in the suburbs of New York City, New York. Received quotes from Hanover, AIG Insurance, MetLife, and a couple others for my Cadillac and saved $482 a year. Even increased my liability limits.