2016 Cadillac ATS Insurance Rates in 2024 – 8 Policy Discounts

Want better car insurance rates for your Cadillac ATS? Scraping up a payment for high-priced Cadillac ATS insurance can dry up your family’s budget, especially in this economy. Doing a rate comparison is an excellent way to tighten up your finances.

People have multiple insurance companies to buy insurance from, and although it’s a good thing to have a choice, more choices can make it harder to compare rates and cut insurance costs.

Low cost car insurance

When looking for inexpensive insurance quotes, there are a couple ways to compare rate quotes from local car insurance companies. By far the easiest way to compare 2016 Cadillac ATS insurance prices consists of shopping online. This can be done in a couple of different ways.

One of the simplest ways to get quotes is to use a rate comparison form. This style of form saves time by eliminating repetitive form submissions for each company you want a rate for. Filling out one form gets rate comparisons from multiple low-cost companies.

A more difficult way to get quotes online requires a visit to the website for each individual company and request a quote. For examples sake, we’ll assume you want to see prices from Progressive, Safeco and Farmers. To get rate quotes you would need to spend time going to each site individually to input your insurance information, which can be really labor intensive.

However you get your quotes, compare apples-to-apples coverages and limits on every quote you get. If each company quotes differing limits it will be impossible to determine the best price for your Cadillac ATS. Just a small difference in coverages could throw off the whole comparison. Just remember that getting more free quotes helps you find lower pricing.

Verify you’re getting every discount

Companies offering auto insurance do not advertise all their discounts in a way that’s easy to find, so the list below gives a summary of some of the more common in addition to some of the lesser obvious credits available to bring down your rates.

• Lower Rates for Military – Being deployed in the military can result in better premium rates.
• Discounts for Good Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates on ATS coverage as compared to drivers with claims.
• Distant College Student Discount – who live away from home at college and won’t have access to an insured vehicle could get you a discount.
• Seat Belts Save more than Lives – Forcing all vehicle occupants to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.
• Discount for Life Insurance – Larger insurance coverage companies have better prices if you take out life insurance.
• Driver Training Discounts – Participating in a course teaching safe driver skills can save you 5% or more if you qualify.
• Good Student Discount – Maintaining excellent grades can be rewarded with saving of up to 25%. You can use this discount normally well after school through age 25.
• Professional Organizations – Participating in qualifying clubs or civic groups may earn a discount when getting a insurance quote.

A quick disclaimer, some credits don’t apply to the entire policy premium. Some only reduce the price of certain insurance coverages like medical payments or collision. Even though it appears you could get a free insurance coverage policy, companies don’t profit that way.

Some of the insurance companies that may include some of the discounts shown above may include but are not limited to:

• Progressive
• The Hartford
• Mercury Insurance
• GEICO
• AAA
• State Farm

When getting free insurance quotes, it’s a good idea to all companies you are considering which discounts can lower your rates. All car insurance discounts may not be offered in your state. For a list of insurance companies that can offer you the previously mentioned discounts, enter your zip code here.

When should I discuss my situation with an agent?

When choosing coverage, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that can aid in determining whether your personal situation may require specific advice.

• Should I have a commercial auto policy?
• How much liability insurance is required?
• Should I file a claim if it’s only slightly more than my deductible?
• How can I force my company to pay a claim?
• How can I get my company to pay me more for my totalled car?
• What is PIP insurance?
• How high should my uninsured/underinsured coverage be in my state?
• What if I total my 2016 Cadillac ATS and owe more than it’s worth?
• Does insurance cover damages from a DUI accident?
• I have a DUI can I still get coverage?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out your zip code.

The coverage is in the details

Having a good grasp of a car insurance policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Shown next are the normal coverages found on most car insurance policies.

Collision – Collision coverage covers damage to your ATS resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as scraping a guard rail, backing into a parked car, colliding with a tree and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as ambulance fees, doctor visits and prosthetic devices. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage – This protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Cadillac ATS.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Auto liability – Liability insurance can cover injuries or damage you cause to people or other property in an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things like legal defense fees, medical expenses, funeral expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverages – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as a broken windshield, damage from getting keyed, hitting a deer, hitting a bird and theft. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

The best insurance company isn’t always the cheapest

Budget-friendly car insurance is possible both online in addition to local insurance agencies, so get free insurance quotes from both of them so you have a total pricing picture. There are still a few companies who may not have the ability to get a quote online and many times these regional carriers sell through local independent agencies.

When trying to cut insurance costs, make sure you don’t buy less coverage just to save a little money. Too many times, consumers will sacrifice full coverage and learned later they didn’t purchase enough coverage. Your aim should be to buy a smart amount of coverage at the best price but still have enough coverage for asset protection.