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.
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.
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.
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:
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.
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.
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.
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.
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:
Live in Grand Forks, North Dakota. Quoted with Amica, MetLife, and some smaller one I can’t remember the name of for my Cadillac and saved $514 a year.
Cheap is relative. Lifelong resident of Boston, MA. Quoted a bunch of companies. Saved right around $40 a month. Allstate was the cheapest for me. Insured with MetLife before. Did it all online.
I can’t pay high rates. I live on the north side of Davenport, IA. Quoted prices online for a 2016 Cadillac ATS. Ended up at about $490 savings annually. Went with Allstate. I used their website to get prices.
If you have a good history and live in the vicinity of Norman, Oklahoma, check out State Farm. You might save some money. Was with Farmers. I have a teen driver too.
Will Allstate cancel my policy for a liability claim?
I found pretty cheap rate quotes for a 2016 Cadillac ATS in Columbia, South Carolina. Ended up at right around $170 every six months with Auto-Owners. I have kids on my policy, too. Online quotes are the way to go.
2016 Cadillac ATS + State Farm = CHEAP! At least inOregon anyway.
Like your site, BTW. Lifelong resident of Columbia, South Carolina. Not sure of all the companies but I ended up saving about $50 each month. I have several vehicles insured with them. Not sure about claim service.
Will GEICO be cheaper if I raise deductibles?
From Portland, OR. Received rates from GEICO, The General, and Encompass for my ATS and saved $169 a year. Insured with AIG Insurance before. Have a couple speeding tickets too.
I got quite a few price quotes for a 2016 Cadillac ATS in Warren, Michigan. Ended up at darn near $400 every six months with American Family. Teenage drivers are expensive! I recommend comparing lots of rates.
Well-written and thought out article. I live just to the west of New Orleans, Louisiana. I got free quotes from Auto-Owners, MetLife, and a few others for my 2016 Cadillac ATS and I’m now saving $20 a month. Got better coverage too.
Great site. I’m in the suburbs of Aurora, IL. Quoted with Safeco, Erie, GEICO, and Auto-Owners for my ATS and saved just over $520 a year. I increased coverages a little too. Hardly afford to drive anymore.
Cheapest quote for my 2016 Cadillac ATS was with Erie.
My ATS is faster than yours.