2023 Cadillac ATS Car Insurance Rates 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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Searching for cheaper car insurance rates for your Cadillac ATS? No car owner fancies paying their premiums for car insurance, in particular when it costs too dang much.

Big-name insurance companies like Progressive, GEICO and Farmers Insurance increase brand awareness with ad campaigns and it is difficult to avoid their marketing magic and take the time to shop coverage around.

You should make it a habit to quote other rates every six months since prices are usually higher with each renewal. Just because you had the best price on ATS coverage on your last policy the chances are good that you can find a lower rate today. Ignore everything you know about car insurance because we’re going to demonstrate the easiest way to get good coverage at a lower rate.

If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using these techniques. Finding affordable coverage is not rocket science. Nevertheless, vehicle owners do need to understand the way insurance companies sell insurance online and use this information to your advantage.

Save money by taking advantage of discounts

Insurance can cost an arm and a leg, but discounts can save money and there are some available to reduce the price significantly. Certain credits will be shown when you quote, but occasionally some discounts must be specially asked for before they will apply.

  • Discounts for Multiple Vehicles – Insuring primary and secondary vehicles on one policy can reduce rates for all insured vehicles.
  • No Charge for an Accident – This one is not really a discount per se, but a handful of insurance companies will forgive one accident before your rates go up if your claims history is clear for a set time period.
  • Smart Student Discounts – Excelling in school may save as much as 25% on a auto insurance quote. The discount lasts up until you turn 25.
  • Multiple Policy Discount – If you have multiple policies and place coverage with the same company you may save over 10 percent off each policy depending on the company.
  • Buy New and Save – Adding a new car to your policy can get you a discount because newer models have to meet stringent safety requirements.
  • Theft Deterrent System – Cars with anti-theft systems have a lower chance of being stolen and therefore earn up to a 10% discount.

We need to note that some of the credits will not apply to your bottom line cost. Some only reduce individual premiums such as liability and collision coverage. So despite the fact that it appears it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

The best car insurance companies and the discounts they provide are:

  • State Farm has discounts for multiple policy, defensive driving training, driver’s education, good student, Steer Clear safe driver discount, safe vehicle, and anti-theft.
  • Liberty Mutual policyholders can earn discounts including newly retired, multi-car, newly married, new move discount, hybrid vehicle, good student, and new vehicle discount.
  • American Family offers premium reductions for air bags, good driver, defensive driver, good student, bundled insurance, early bird, and accident-free.
  • Progressive discounts include good student, homeowner, online signing, online quote discount, and multi-policy.
  • Farmers Insurance offers discounts for pay in full, early shopping, switch companies, business and professional, and homeowner.
  • Auto-Owners Insurance may offer discounts for student away at school, group or association, paid in full, anti-theft, safe vehicle, mature driver, and air bags.
  • SAFECO has savings for multi-car, anti-lock brakes, accident prevention training, anti-theft, teen safe driver, and drive less.

Check with each company or agent how you can save money. Some credits might not be offered on policies in your state. To choose companies with discount rates, enter your zip code here.

How much insurance coverage do I need?

When it comes to buying coverage, there isn’t really a perfect coverage plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For instance, these questions may help highlight whether you might need professional guidance.

  • Is a fancy paint job covered?
  • When should I not file a claim?
  • Does my liability insurance cover pulling a trailer or camper?
  • Am I covered when driving on a suspended license?
  • Can I drive in Mexico and have coverage?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Are rock chip repairs covered?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What is PIP insurance?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete your zip code.

Well known brands might not be cheapest

Insurance coverage providers like Allstate, GEICO and Progressive endlessly run ads on television and other media. All the ads make the point about how much you will save if you change your policy. That’s great but how can every company offer drivers better rates? This is the trick they use.

Insurance providers have specific characteristics for the type of customer that will generate a profit. An example of a profitable insured might be married and over the age of 30, insures multiple vehicles, and drives less than 10,000 miles a year. Any new insured that meets those criteria will probably get cheap premium rates as well as cut their rates if they switch.

Potential insureds who do not fit these criteria may be required to pay higher rates which translates to business going elsewhere. If you pay attention, the ads say “customers who switch” not “everyone who quotes” save money. This is how companies can truthfully make those claims. This really drives home the point why you absolutely need to compare price quotes frequently. It is just not possible to predict which insurance companies will have the lowest rates.

The coverage is in the details

Knowing the specifics of your insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages available from insurance companies.

Collision insurance

This will pay to fix damage to your ATS from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like sustaining damage from a pot hole, crashing into a building, colliding with a tree and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Liability coverage

This provides protection from damage or injury you incur to other’s property or people in an accident. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged property.

Liability insurance covers claims such as structural damage, repair costs for stationary objects, attorney fees and funeral expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like doctor visits, prosthetic devices, hospital visits, dental work and funeral costs. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Cadillac ATS.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive coverages

This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from flooding, falling objects and damage from a tornado or hurricane. The highest amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Smart consumers save more

As you go through the steps to switch your coverage, don’t be tempted to reduce needed coverages to save money. In many cases, someone sacrificed liability coverage limits to discover at claim time that they should have had better coverage. Your aim should be to find the BEST coverage at the best cost and still be able to protect your assets.

Cheaper insurance coverage can be purchased from both online companies as well as from independent agents, and you should be comparing both to have the best chance of lowering rates. Some companies may not provide rates over the internet and many times these small, regional companies provide coverage only through independent agencies.

You just read many ideas to reduce 2023 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 even find the lowest priced insurance coverage comes from a small mutual company. These companies often have lower car insurance rates on specific markets compared to the large companies like State Farm, GEICO and Nationwide.

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