2021 Cadillac ATS Car Insurance Cost in 2024

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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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Wish you could get a refund on overpriced car insurance? You’re in good company because there are many consumers feeling the pinch from expensive car insurance. You have so many insurers to purchase coverage from, and although it’s nice to have a choice, having more auto insurance companies makes it harder to compare rates and cut insurance costs.

Buying car insurance is easy if you know what you’re doing. If you currently have a car insurance policy, you should be able to save some money using this strategy. Vehicle owners just need to learn how to compare prices online.

Get cheap insurance with discounts

Car insurance is not cheap, but you may be missing some discounts that can help lower your rates. Many of these discounts will be applied automatically when you purchase, but some must be asked for prior to getting the savings.

  • 55 and Retired – Drivers that qualify as senior citizens may qualify for a small decrease in premiums for ATS insurance.
  • Theft Prevention Discount – Vehicles optioned with advanced anti-theft systems are less likely to be stolen and will save you 10% or more.
  • Federal Government Employee – Active or retired federal employment could cut as much as 10% off for ATS insurance with select insurance companies.
  • Accident Forgiveness – This one isn’t a discount, but a few companies such as Liberty Mutual and GEICO allow you one accident before your rates go up if you have no claims for a certain period of time.
  • Low Mileage Discounts – Fewer annual miles on your Cadillac could earn better prices on cars that stay parked.
  • Telematics Data Discounts – Drivers who elect to allow data collection to analyze their driving habits by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system might see lower rates as long as the data is positive.

It’s important to understand that some of the credits will not apply to the whole policy. Some only reduce individual premiums such as liability and collision coverage. Even though it may seem like adding up those discounts means a free policy, that’s just not realistic.

Large insurance companies and their offered discounts are:

  • State Farm has discounts for anti-theft, Steer Clear safe driver discount, passive restraint, good driver, defensive driving training, and Drive Safe & Save.
  • GEICO may include discounts for military active duty, multi-vehicle, federal employee, seat belt use, multi-policy, and defensive driver.
  • Liberty Mutual may offer discounts for exclusive group savings, new graduate, safety features, newly married, new vehicle discount, good student, and hybrid vehicle.
  • The Hartford includes discounts for anti-theft, bundle, defensive driver, good student, vehicle fuel type, air bag, and driver training.
  • MetLife offers premium reductions for good driver, claim-free, multi-policy, defensive driver, good student, and accident-free.
  • Progressive policyholders can earn discounts including multi-vehicle, homeowner, continuous coverage, good student, and online signing.

Check with all the companies how you can save money. All car insurance discounts may not apply to policyholders in your state. For a list of insurance companies with discount insurance rates, enter your zip code here.

How to compare car insurance rate quotes

Finding more affordable 2021 Cadillac ATS car insurance prices can be quick and easy. You just need to invest a little time to compare rate quotes to see which company has cheaper insurance quotes. This can be done by following the guidelines below.

The easiest and least time consuming way to get quotes would be an industry-wide quote request form. This style of form prevents you from having to do separate quotes for each company. One quote request compares rates from many national carriers.

A slightly less efficient method to get comparison quotes is to take the time to go to each individual company website and fill out a new quote form. For examples sake, let’s say you want to compare rates from State Farm, Esurance and GEICO. You would be required to spend time going to each site individually and repeatedly enter your information, which is why first method is recommended.

It doesn’t matter which method you choose, just do your best to enter nearly identical information for every quote you compare. If the quotes have different liability limits it will be very difficult to find the best deal for your Cadillac ATS.

Tailor your insurance coverage coverage to you

When buying proper insurance coverage, there is no perfect coverage plan. Every situation is different so your insurance should reflect that Here are some questions about coverages that could help you determine whether your personal situation may require specific advice.

  • Do I need added coverage for expensive stereo equipment?
  • Am I covered when driving on a suspended license?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Will I lose any money if I cancel my policy before it expires?
  • Do I have coverage for damage caused while driving under the influence?
  • Does my policy cover my teen driver if they drive my company car?
  • Is a blown tire covered by insurance?
  • Do I have coverage when using my vehicle for my home business?
  • Do I need PIP (personal injury protection) coverage in my state?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and enter your zip code. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance 101

Understanding the coverages of car insurance helps when choosing the right coverages for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. These are the normal coverages offered by car insurance companies.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Liability coverage

This coverage protects you from damage that occurs to other’s property or people. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims like attorney fees, funeral expenses and repair bills for other people’s vehicles. How much coverage you buy is up to you, but you should buy higher limits if possible.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from flooding, vandalism, a broken windshield, hail damage and damage from getting keyed. The most a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision protection

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims such as rolling your car, colliding with another moving vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like chiropractic care, pain medications, nursing services and surgery. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

One last thing

Some car insurance companies do not provide the ability to get quotes online and many times these small insurance companies sell through independent insurance agencies. Cost effective 2021 Cadillac ATS insurance can be bought on the web as well as from insurance agents, and you should be comparing both to have the best rate selection.

In this article, we presented some good ideas how to lower your 2021 Cadillac ATS insurance auto insurance rates. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. Consumers may even find the best price on car insurance is with the smaller companies. Regional companies often have lower premium rates on specific markets than the large multi-state companies such as Progressive or GEICO.

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