2022 Cadillac ATS Insurance Cost in 2024 – 9 Policy Discounts

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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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There isn’t anyone who loves paying for insurance, in particular when the prices are way too high.

Insurance companies such as Allstate, Liberty Mutual and State Farm all claim big savings with advertising and it is difficult to ignore the flashy ads and take the time to shop coverage around.

You should take the time to check insurance prices before your policy renews because insurance prices go up and down regularly. Just because you had the best deal for ATS coverage last year there is a good chance you can find better rate quotes now. Forget anything you know (or think you know) about insurance because we’re going to demonstrate how to use the internet to save money, get proper deductibles and limits, all at the lowest rate.

Compare free insurance coverage price quotes

Most major insurance companies like State Farm, GEICO and Progressive allow you to get prices direct online. Obtaining pricing doesn’t take much effort because you just enter into the quote form. After the form is submitted, their quoting system orders your credit score and driving record and gives you a price quote determined by many factors. This streamlines rate comparisons, but the work required to visit several different sites and type in the same information is a waste of time. But it is imperative to perform this step in order to get the best price on insurance coverage.

Quote rates the easy way

The smarter way to find lower prices uses one form to obtain quotes from multiple companies. It saves time, helps eliminate repetitive entry, and makes quoting online much easier to do. As soon as you send your information, it is quoted and you are able to buy any or none of the returned quotes. If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. The entire process takes just a few minutes to complete and may result in a nice savings.

To compare pricing, simply enter your zip code here and fill out the form. If you have a policy now, it’s recommended you type in your coverages as close as possible to your current policy. This makes sure you will receive a rate comparison using the exact same coverages.

Reduce your insurance coverage rates with these nine discounts

Companies don’t list the complete list of policy discounts very well, so we researched some of the more common as well as the least known discounts that may be available.

  • Driver Training Discounts – Passing a course teaching driver safety skills could earn you a small percentage discount if you qualify.
  • Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts may get savings of up to 25% or more.
  • Discount for Low Mileage – Fewer annual miles on your Cadillac can earn slightly better premium rates than normal.
  • Discount for New Cars – Insuring a vehicle that is new can save up to 30% since new vehicles have better safety ratings.
  • Discounts for Cautious Drivers – Drivers who avoid accidents could pay up to 40% less for ATS coverage than drivers with accident claims.
  • Early Payment Discounts – By making one initial payment instead of paying each month you can avoid monthly service charges.
  • Discount for Multiple Policies – If you can combine your auto and homeowners policy and insure them with the same company you could earn a discount of as much as 10 to 15 percent.
  • Home Ownership Discount – Being a homeowner can save you money since home ownership means you have a higher level of financial diligence.
  • Drivers Education – Require your teen driver to participate in a local driver’s education class if it’s offered in school.

As is typical with insurance, most discount credits are not given to the entire policy premium. Most only apply to specific coverage prices like physical damage coverage or medical payments. If you do the math and it seems like adding up those discounts means a free policy, it just doesn’t work that way. But all discounts should help lower your insurance coverage premiums.

To view insurance companies with discount insurance coverage rates, enter your zip code here.

You are unique and your car insurance should be too

When buying proper insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Each situation is unique so your insurance needs to address that. For example, these questions may help highlight whether or not you would benefit from professional advice.

  • Why am I required to buy high-risk coverage?
  • Should I put collision coverage on all my vehicles?
  • Do I need rental car coverage?
  • When should I drop full coverage on my 2022 Cadillac ATS?
  • Can my babysitter drive my car?
  • Can I afford to buy a different vehicle if my 2022 Cadillac ATS is totaled?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Does car insurance cover theft of personal property?
  • Why am I required to get a high-risk car insurance policy?
  • What can I do if my company denied a claim?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. To find an agent in your area, take a second and enter your zip code.

Will you really save $494 on auto insurance?

State Farm, GEICO and Progressive constantly bombard you with ads on television and other media. All the companies make the same claim about savings after switching your coverage to them. Is it even possible that every company can offer you a better deal? Here is how they do it.

Many companies are able to cherry pick for a prospective insured that earns them the most money. One example of a desirable risk should be over age 30, has never had a claim, and has great credit. Anybody that meets those criteria gets the lowest premium rates and therefore will pay quite a bit less when switching companies.

Consumers who don’t meet the “perfect” profile may be forced to pay a higher premium which translates to the customer not buying. The wording the ads use say “drivers that switch” not “everyone who quotes” save that much when switching. That’s the way companies can advertise the savings. This really emphasizes why it is so important to do a price quote comparison at every renewal. It is impossible to predict which company will have the lowest rate quotes.

Car insurance coverages explained

Learning about specific coverages of your car insurance policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. These are the usual coverages found on the average car insurance policy.

Medical expense coverage – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for rehabilitation expenses, nursing services, X-ray expenses and dental work. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Uninsured or underinsured coverage – This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and damage to your Cadillac ATS.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Liability insurance – This coverage can cover damage or injury you incur to other’s property or people in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability can pay for claims like pain and suffering, bail bonds, legal defense fees and loss of income. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Comprehensive protection – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from a tornado or hurricane, falling objects, damage from flooding, a broken windshield and vandalism. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision – This will pay to fix damage to your ATS resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as damaging your car on a curb, colliding with another moving vehicle and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Summing up your insurance search

When shopping online for insurance, it’s not a good idea to buy less coverage just to save a little money. Too many times, consumers will sacrifice liability limits or collision coverage only to regret that their decision to reduce coverage ended up costing them more. The aim is to find the BEST coverage at a price you can afford while still protecting your assets.

You just read some good ideas how you can reduce 2022 Cadillac ATS insurance rates online. It’s most important to understand that the more quotes you get, the better your comparison will be. You may be surprised to find that the best price on insurance is with some of the lesser-known companies. Regional companies often have lower car insurance rates on specific markets as compared to the big name companies such as Allstate and Progressive.

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