2020 Cadillac ATS Insurance Quotes in 2024 – 8 Discounts for Best Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Mar 30, 2024

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Finding cheap Driversinsurance coverage can be challenging for beginners to online comparison shopping. With so many options of insurers available, it can easily turn into a difficult challenge to locate the lowest premium rates.

Finding affordable coverage is quite easy. Essentially every driver who is shopping for insurance coverage should be able to lower their premiums. Nevertheless, vehicle owners must understand how big insurance companies price insurance differently because it can help you find the best coverage.

Discounts can really help lower rates

Car insurance companies don’t always publicize all their discounts in a way that’s easy to find, so here is a list some of the best known as well as some of the hidden discounts you could be receiving when you buy car insurance online.

  • Discount for Good Grades – Being a good student may save as much as 25% on a car insurance quote. Most companies allow this discount up until you turn 25.
  • Defensive Driving Course – Completing a driver safety course could possibly earn you a 5% discount if you qualify.
  • No Claim Discounts – Drivers who stay claim-free can save substantially when compared with policyholders that have many claims.
  • Homeowners Savings – Just being a homeowner may trigger a policy discount on insurance coverage because it shows financial diligence.
  • Club Memberships – Being a member of specific professional or occupational memberships or organizations could trigger savings on your next renewal.
  • Resident Student – who live away from home to go to college and won’t have access to an insured vehicle may be able to be covered for less.
  • Fewer Miles Equal More Savings – Low annual miles may allow you to get discounted rates on garaged vehicles.
  • Safe Drivers – Drivers who avoid accidents can save as much as half off their rates for ATS insurance than drivers with accident claims.

As a disclaimer on discounts, most of the big mark downs will not be given to the whole policy. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

Larger insurance coverage companies and some of the premium reductions they offer are included below.

  • State Farm has discounts for anti-theft, good student, Drive Safe & Save, student away at school, multiple policy, and defensive driving training.
  • GEICO includes discounts for multi-policy, driver training, emergency military deployment, five-year accident-free, anti-theft, and anti-lock brakes.
  • Allstate discounts include resident student, new car, multi-policy, auto/life discount, utility vehicle, and early signing.
  • SAFECO offers premium reductions for teen safety rewards, anti-lock brakes, multi-car, bundle discounts, accident prevention training, drive less, and teen safe driver.
  • Farm Bureau may include discounts for good student, driver training, 55 and retired, youthful driver, and safe driver.
  • Progressive offers discounts for good student, multi-vehicle, continuous coverage, homeowner, online signing, and multi-policy.
  • AAA offers discounts including pay-in-full, AAA membership discount, education and occupation, anti-theft, and good student.

When quoting, ask each company or agent to apply every possible discount. Some discounts listed above may not be available in your area. To choose insurers with discount rates, enter your zip code here.

Will just any policy work for me?

When it comes to buying proper insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s needs are different.

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

  • What discounts do I qualify for?
  • What exactly is covered by my policy?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • I don’t drive much so do I pay less?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Is my cargo covered for damage or theft?
  • Should I bundle my homeowners policy with my auto?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out your zip code.

Auto insurance coverage considerations

Having a good grasp of your auto insurance policy can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Collision coverages – This coverage will pay to fix damage to your ATS resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as hitting a parking meter, colliding with another moving vehicle, damaging your car on a curb and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Cadillac ATS.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive (Other than Collision) – This covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as falling objects, theft, a broken windshield, vandalism and damage from getting keyed. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability car insurance – Liability coverage will cover damages or injuries you inflict on other people or property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like attorney fees, structural damage, legal defense fees and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for X-ray expenses, chiropractic care, rehabilitation expenses, dental work and ambulance fees. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Shop Smart and Save

We just showed you some good ideas how you can compare 2020 Cadillac ATS insurance premium rates online. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers could even find that the best premium rates are with a company that doesn’t do a lot of advertising.

As you quote car insurance, it’s not a good idea to buy less coverage just to save a little money. There are many occasions where an insured cut comprehensive coverage or liability limits only to find out they didn’t have enough coverage. Your goal is to buy a smart amount of coverage at an affordable rate, but don’t skip important coverages to save money.

Cheap 2020 Cadillac ATS insurance is available online and from local agencies, and you should be comparing both so you have a total pricing picture. Some insurance coverage companies may not have online rate quotes and many times these regional carriers only sell through independent insurance agents.

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