Compare 2019 Cadillac ATS Car Insurance Quotes in 2024

If online insurance comparisons are new to you, most likely you are overwhelmed by the diversity of insurers who claim to have the best insurance rates.

Consumers need to check insurance prices before your policy renews because insurance prices change frequently. Even if you got the lowest quotes for ATS coverage on your last policy you can probably find a lower rate today. Block out anything you think you know about insurance because you’re about to find out the easiest way to properly buy coverages while reducing your premium.

If you currently have car insurance, you will be able to lower your premiums substantially using these methods. Pricing the cheapest insurance coverage is not that difficult. But vehicle owners must know the methods companies use to market on the web.

How to buy insurance coverage online

Most major insurance companies allow consumers to get insurance quotes direct online. Getting online quotes is fairly simple as all you need to do is type in your coverage information into a form. Upon sending the form, the quote system sends out for reports for credit and driving violations and returns a price.

Quoting online makes it simple to compare prices but the work required to visit several different sites and type in the same information is repetitive and time-consuming. But it’s necessary to do this if you are searching for the lowest possible prices on insurance coverage.

There is a better way!

An easier way to lower your insurance coverage bill utilizes a single form that analyzes rates from several different companies. It saves time, helps eliminate repetitive entry, and makes online shopping much more enjoyable. After sending the form, your coverage is rated and you are able to buy any of the pricing results.

If the quotes result in lower rates, you simply finish the application and purchase the new policy. The whole process takes just a few minutes to complete and could lower your rates considerably.

To compare rates using this form now, simply enter your zip code here and enter your information. If you currently have coverage, we recommend you duplicate your coverages exactly as shown on your declarations page. This helps ensure you will have comparison quotes for similar coverage.

Discounts to earn affordable car insurance rates

Car insurance companies don’t always list every discount they offer very clearly, so the following list contains both the well known in addition to some of the lesser obvious credits that may apply to you. If you are not receiving all the discounts possible, you are not getting the best rate possible.

• Resident Student – Any of your kids who live away from home to go to college without a vehicle on campus can be insured at a reduced rate.
• Low Mileage Discounts – Low mileage vehicles may allow you to get substantially lower car insurance rates.
• Discounts for Federal Employees – Simply working for the federal government could cut as much as 10% off for ATS coverage depending on your car insurance provider.
• Good Grades Discount – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply up to age 25.
• Multiple Policy Discount – If you insure your home and vehicles and insure them with the same company you may save approximately 10% to 15%.
• Pay Now and Pay Less – By paying your policy upfront instead of making monthly payments you could save up to 5%.
• Onboard Data Collection – Drivers who elect to allow driving data collection to track when and where they use their vehicle remotely like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates if they are good drivers.
• Responsible Driver Discounts – Insureds without accidents could pay up to 40% less for ATS coverage than their less cautious counterparts.
• Senior Citizens – Drivers that qualify as senior citizens can possibly qualify for better car insurance rates for ATS coverage.
• Defensive Driver Discount – Successfully completing a course that instructs on driving safety could possibly earn you a 5% discount if your company offers it.

A quick disclaimer, most discount credits are not given to your bottom line cost. Most only cut the price of certain insurance coverages like liability and collision coverage. So when it seems like you could get a free car insurance policy, you’re out of luck. Any amount of discount should definitely cut your policy premium.

A few of the larger companies and some of the premium reductions they offer include:

• American Family may have discounts that include TimeAway discount, air bags, accident-free, good driver, multi-vehicle, bundled insurance, and Steer into Savings.
• State Farm offers discounts including multiple policy, accident-free, Steer Clear safe driver discount, Drive Safe & Save, and multiple autos.
• 21st Century may include discounts for theft prevention, teen driver, student driver, driver training, and defensive driver.
• Travelers policyholders can earn discounts including IntelliDrive, continuous insurance, hybrid/electric vehicle, multi-car, driver training, good student, and save driver.
• GEICO discounts include five-year accident-free, military active duty, seat belt use, anti-lock brakes, and air bags.

When getting a coverage quote, ask every prospective company to give you their best rates. Discounts might not apply in your state. If you would like to see a list of companies that provide some of the discounts listed above, enter your zip code here.

Tailor your insurance coverage to you

When it comes to choosing the best insurance coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

For instance, these questions can help discover whether you might need an agent’s assistance.

• Do I need higher collision deductibles?
• Can I afford to buy a different vehicle if my 2019 Cadillac ATS is totaled?
• What discounts do I qualify for?
• Does car insurance cover theft of personal property?
• Do I need an umbrella policy?
• What is roadside assistance coverage?
• How high should my uninsured/underinsured coverage be in my state?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out your zip code.

Auto insurance specifics

Understanding the coverages of your auto insurance policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Insurance for medical payments

Med pay and PIP coverage reimburse you for expenses like dental work, nursing services and funeral costs. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as damage to your Cadillac ATS.

Since 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. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability coverages

This coverage provides protection from injuries or damage you cause to people or other property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like repair costs for stationary objects, medical services, repair bills for other people’s vehicles and court costs. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like sustaining damage from a pot hole, colliding with another moving vehicle, sideswiping another vehicle, driving through your garage door and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from a tornado or hurricane, hitting a bird, rock chips in glass and hail damage. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

In Summary

There are still a few companies who don’t offer online quoting and many times these smaller providers sell through independent insurance agents. More affordable auto insurance is definitely available both online and also from your neighborhood agents, and you should be comparing both to have the best chance of lowering rates.

When searching for low cost car insurance quotes, never skimp on coverage in order to save money. There are too many instances where an accident victim reduced uninsured motorist or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. Your objective should be to buy a smart amount of coverage at the lowest possible cost.

We just covered a lot of ways to compare 2019 Cadillac ATS insurance premium rates online. The key thing to remember is the more rate comparisons you have, the better your comparison will be. You may even find the biggest savings come from a small local company.