2023 Cadillac ATS-V Insurance Quotes in 2024 – 10 Tips to Save

Searching for the cheapest car insurance rates for your Cadillac ATS-V? Paying cheaper rates for Driverscar insurance is always difficult for drivers who are beginners to comparing prices online. With literally dozens of online companies available, it can be a ton of work to compare rates.

It is always a good idea to compare premium rates before your next renewal because car insurance prices are usually higher with each renewal. Just because you found the lowest price for ATS-V insurance on your last policy the chances are good that you can find a lower rate today. There is a lot of bad advice regarding car insurance on the internet, but I’m going to show you a bunch of ideas how to lower your car insurance rates.

How to compare insurance quotes

Performing a rate comparison can take hours if you don’t know the most efficient way to do it. You can spend countless hours talking to insurance companies in your area, or you could use online quotes for quick rates.

Most major companies participate in an industry program where prospective buyers submit their information once, and each company can give them a price based on the submitted data. This prevents consumers from doing quote requests for every insurance company.

To get comparison pricing now enter your zip code here.

One minor caveat to using this type of form is you can’t choose the companies you will receive quotes from. If you prefer to choose specific providers to request quotes from, we have a page of companies who write insurance in your area. Click to enter zip code.

The approach you take is up to you, just make absolute certain that you use identical quote data on every price quote you get. If you enter different deductibles you will not be able to find the best deal for your Cadillac ATS-V. Just slight variations in insurance coverages may result in a large different in cost. Just keep in mind that obtaining a wide range of quotes will enable you to find the best rates. Some smaller insurers to not give online rate quotes, so it’s important to compare rates from them as well.

Be skeptical of auto insurance ads

Auto insurance companies such as State Farm and Allstate endlessly run television and radio advertisements. All the companies advertise the message that people will save just by moving to them. How is it plausible that every one can say the same thing? Here is the trick they use.

Most companies have specific guidelines for the type of customer that will not have excessive claims. An example of a driver they prefer may need to be between the ages of 30 and 45, owns their home, and drives newer vehicles. A customer who meets those qualifications will probably get the lowest rates and will probably save when switching.

Potential customers who don’t qualify for those criteria may receive higher prices and the customer buying from a different company. The trick companies use is to say “drivers that switch” but not “everyone who gets a quote” save that kind of money. This is how insurance companies can advertise the way they do. Because of this risk profiling, you really should compare quotes as often as possible. It’s just not possible to know with any certainty which company will provide you with the cheapest car insurance rates.

Take advantage of every insurance discount

Companies don’t list their entire list of discounts in an easy-to-find place, so we break down a few of the more common and also the more inconspicuous credits that you can use to lower your rates.

• Telematics Discount – Drivers who elect to allow their company to look at driving manner remotely like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease if they exhibit good driving behavior.
• First Accident Forgiveness – Not a discount per se, but certain companies will let one accident slide without getting socked with a rate hike if you have no claims before the accident.
• Theft Deterrent Discount – Vehicles that have factory alarm systems and tracking devices help deter theft and can earn a small discount on your policy.
• Homeowners Savings – Simply owning a home can earn you a little savings because of the fact that having a home means you have a higher level of financial diligence.
• Seat Belts Save – Buckling up and requiring all passengers to buckle up before driving can save 10% or more on the medical payments or PIP coverage costs.
• Good Drivers – Drivers without accidents could pay up to 40% less for ATS-V insurance compared to rates paid by drivers with frequent claims.
• Professional Organizations – Participating in qualifying clubs or civic groups could earn you a nice discount when shopping for insurance.
• Driver Education Discount – Require your teen driver to complete a driver education course as it will make them better drivers and lower rates.
• Drive Less and Save – Maintaining low annual mileage may enable drivers to earn substantially lower premium rates.
• Payment Discounts – If you can afford to pay the entire bill instead of making monthly payments you could save 5% or more.

One last thing about discounts, some of the credits will not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like liability and collision coverage. Just because you may think adding up those discounts means a free policy, you aren’t that lucky.

Some of the insurance companies who might offer most of the discounts above possibly include:

• State Farm
• Esurance
• Progressive
• Liberty Mutual
• Auto-Owners Insurance
• GEICO

If you want cheap insurance quotes, ask each insurance company how many discounts you can get. All car insurance discounts might not be offered on policies in your area. For a list of providers who offer free insurance quotes, enter your zip code here.

How to know if you need help

When it comes to choosing the right insurance coverage for your vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs.

These are some specific questions might point out if your insurance needs may require specific advice.

• How much liability insurance is required?
• Are all vehicle passengers covered by medical payments coverage?
• Is my ex-spouse still covered by my policy?
• When should my teen driver be added to my policy?
• Does my liability insurance cover pulling a trailer or camper?
• Does insurance cover damages from a DUI accident?
• Is business property covered if stolen from my car?
• How high should my uninsured/underinsured coverage be in my state?
• Should I get collision insurance on every vehicle?
• Is my dog or cat covered if injured in an accident?

If you’re not sure about those questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete your zip code.

Insurance coverages and their meanings

Knowing the specifics of a insurance policy aids in choosing appropriate coverage for your vehicles. Insurance terms can be impossible to understand and reading a policy is terribly boring.

Coverage for collisions

Collision coverage pays for damage to your ATS-V resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as colliding with a tree, hitting a mailbox, rolling your car, damaging your car on a curb and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Liability auto insurance

Liability coverage will cover damage that occurs to a person or their property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things such as medical expenses, repair bills for other people’s vehicles, pain and suffering, attorney fees and structural damage. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for bills for things like X-ray expenses, chiropractic care, funeral costs and rehabilitation expenses. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from 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 claims like hail damage, theft and damage from a tornado or hurricane. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and damage to your Cadillac ATS-V.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

In the end, you save

Insureds who switch companies do it for many reasons like unfair underwriting practices, not issuing a premium refund, poor customer service or even policy cancellation. Whatever your reason, finding the right insurance provider is not as difficult as it may seem.

When shopping online for insurance, it’s not a good idea to skimp on coverage in order to save money. There are many occasions where someone sacrificed collision coverage and discovered at claim time that the small savings ended up costing them much more. The proper strategy is to buy enough coverage at the best cost and still be able to protect your assets.

Cheaper insurance can be sourced from both online companies and from local insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies don’t offer internet price quotes and usually these smaller companies work with independent agents.