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...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Jan 16, 2018

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Want lower insurance rates for your Cadillac ATS? If you’re searching for cheaper insurance online, are you intimidated by the wide range of insurance companies? You’re not alone. drivers have such a vast assortment of companies available that it can easily become a big hassle to find better premium rates.

If you have car insurance now, you will be able to reduce your rates substantially using these tips. The purpose of this article is to let you in on how car insurance quotes work and some money-saving tips. But car owners must understand the way companies compete online.

How to buy insurance coverage online

There are a lot of ways to compare insurance coverage prices but one way is easier and takes less work. You could waste a few hours talking to insurance agencies in your area, or you could save time and use online quoting to achieve your goal.

Many companies belong to an insurance system where prospective buyers enter their policy data once, and each company can provide price quotes. This eliminates the need for quote forms for each company.

To compare pricing click here (opens in new window).

The only drawback to using this type of system is you cannot specify the providers you will receive quotes from. So if you want to select specific insurance companies for rate comparison, we have a page of low cost insurance coverage companies in your area. Click here to view list.

The approach you take is up to you, just make sure you compare apples-to-apples coverage limits and deductibles with each company. If you enter different coverage information it’s impossible to determine the lowest rate for your Cadillac ATS. Even a minor difference in limits can result in a big premium difference. Just keep in mind that comparing a wide range of rates helps increase your odds of locating lower pricing. Not every company provides online price quotes, so it’s important to compare prices from the smaller companies as well.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Tailor your insurance coverage to you

When it comes to choosing coverage, there isn’t really a perfect coverage plan. Everyone’s needs are different.

For instance, these questions may help highlight whether or not you might need professional guidance.

  • Can I make deliveries for my home business?
  • Are split liability limits better than a combined single limit?
  • Why am I required to buy high-risk coverage?
  • What is the rate difference between pleasure use and commuting?
  • What companies insure drivers after a DUI or DWI?
  • Can I afford to pay high deductible claims out of pocket?
  • Do I need PIP coverage since I have good health insurance?
  • Can I afford low physical damage deductibles?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form.

Car insurance 101

Understanding the coverages of a car insurance policy aids in choosing the best coverages and proper limits and deductibles. Car insurance terms can be confusing and reading a policy is terribly boring.

Auto liability insurance

Liability insurance can cover damages or injuries you inflict on other people or property that is your fault. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

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 might see liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims such as loss of income, funeral expenses and court costs. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

Coverage for collisions

Collision coverage will pay to fix damage to your ATS caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like hitting a parking meter, rolling your car and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and also any damage incurred to your Cadillac ATS.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Usually these limits are similar to your liability insurance amounts.

Comprehensive insurance

This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like theft, hitting a deer and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for immediate expenses like hospital visits, X-ray expenses and prosthetic devices. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible