The best way to save money on Cadillac ATS insurance is to do a yearly price comparison from providers who can sell car insurance in Fresno. Rate comparisons can be done by completing these steps.
Step 1: Read and learn about individual coverages and the steps you can take to prevent high rates. Many factors that are responsible for high rates like careless driving and a low credit score can be improved by improving your driving habits or financial responsibility.
Step 2: Compare prices from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from one company like Progressive and State Farm, while agents who are independent can provide rate quotes for many different companies.
Step 3: Compare the new rate quotes to your existing policy to determine if switching companies saves money. If you find a lower rate quote, make sure coverage is continuous and does not lapse.
Step 4: Tell your current company to cancel your current coverage and submit payment and a completed application for the new coverage. Once coverage is bound, keep the new proof of insurance paperwork above your visor, in the console, or in the glove compartment.
One piece of advice is to try to compare the same level of coverage on every price quote and and to analyze as many companies as possible. This enables a fair price comparison and the best rate selection.
Unbelievably, the vast majority of auto insurance customers in California kept buying from the same company for more than four years, and about 40% of consumers have never compared auto insurance rates at all. Most drivers in the U.S. can cut their rates by about $860 a year, but they just don’t want to compare rate quotes.
Cheap car insurance in Fresno, CA
The companies in the list below are ready to provide quotes in California. If multiple companies are listed, it’s a good idea that you click on several of them to get a more complete price comparison.
Cadillac ATS Insurance Cost Factors
Multiple criteria are part of the equation when pricing auto insurance. Most are fairly basic like an MVR report, but others are more obscure such as your credit history or how safe your car is. The best way to find cheaper auto insurance is to take a look at a few of the rating criteria that help determine the level of your policy premiums. When you know what positively or negatively determines premiums, this empowers consumers to make smart changes that could result in better auto insurance rates.
Shown below are some of the things auto insurance companies consider when setting rates.
Battle of the sexes – Statistics demonstrate females are less aggressive when driving. Now that doesn’t mean women are better drivers. Females and males tend to get into fender benders at about the same rate, but males tend to have more serious accidents. Not only that, but men also get more serious tickets such as DWI and reckless driving. Teenage male drivers are most likely to cause an accident and therefore are the most expensive to insure.
High deductibles lower prices – Comp and collision deductibles are the amount of money you are willing to pay out-of-pocket if a covered claim is submitted. Insurance for physical damage to your car, also called ‘full coverage’, is used to repair damage to your car. Some examples of covered claims are a windshield broken by a bird, damage from fire, and damage caused by road hazards. The more money you have to pay, the lower your rates will be.
Rural areas have lower prices – Residing in a small town has definite advantages when shopping for auto insurance. Fewer drivers on the road translates into fewer accident claims and also fewer theft and vandalism claims. People in densely populated areas have to deal with more road rage incidents and a longer drive to work. More time behind the wheel means more chance of being in an accident.
Demanding employer may mean higher rates – Careers like doctors, airline pilots, and stock brokers usually pay higher premiums than the average policyholder attributed to stressful work requirements and long work hours. On the flip side, jobs like professors, students and retirees generally pay rates lower than average.
Performance affects rates – The make and model of the car you need to insure makes a big difference in determining your rates. The lowest base rates will normally be found when insuring lower cost passenger cars, but the cost you end up paying is determined by many additional factors.
Cautious drivers pay better costs – Only having one ticket can boost insurance rates by as much as thirty percent. Attentive drivers pay lower auto insurance prices than people who have multiple driving citations. People who have severe tickets such as reckless driving, hit and run or driving under the influence are required to submit a SR-22 form to the state department of motor vehicles in order to continue driving.
Having a spouse is a bonus – Walking down the aisle may save some money on your auto insurance bill. Having a significant other translates into being more mature and statistics show married drivers tend to file fewer claims.
Cadillac ATS insurance loss statistics – Auto insurance companies factor in insurance loss information when determining insurance rates. Models that historically have a higher amount or frequency of claims will have higher rates.
The table shown below demonstrates the insurance loss data for Cadillac ATS vehicles. For each policy coverage type, the statistical loss for all vehicles averaged together is set at 100. Percentage numbers below 100 suggest a positive loss record, while percentage values above 100 point to more frequent losses or an increased chance of larger losses than average.
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Cadillac ATS 4dr 2WD | 121 | 97 | 103 | 107 | 96 | 90 |
| Cadillac ATS 4dr 4WD | 127 | 81 | 91 | 92 | 93 | 74 |
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Cheaper Cadillac ATS insurance in Fresno
Some insurance providers don’t always list their entire list of discounts in a way that’s easy to find, so we researched both well-publicized as well as some of the hidden discounts that may be available.
- Discounts for Good Drivers – Drivers without accidents could pay up to 40% less than drivers with accidents.
- ABS Brakes – Vehicles with anti-lock braking systems can stop better under adverse conditions and earn discounts up to 10%.
- Accident Forgiveness Coverage – This one is not really a discount per se, but certain companies will forgive one accident before hitting you with a surcharge as long as you don’t have any claims for a particular time prior to the accident.
- Multi-line Discount – Not all insurance carriers offer life insurance, but some may give you lower rates if you buy auto and life insurance together.
- Drivers Education – It’s a good idea to have your young drivers successfully complete driver’s ed class in high school.
Just know that some of the credits will not apply to the overall cost of the policy. Some only reduce specific coverage prices like comprehensive or collision. So when the math indicates having all the discounts means you get insurance for free, you won’t be that lucky.
If you would like to choose from a list of providers that offer discounts in California, click this link.
Auto insurance is available from agents near you
A small number of people just want to get professional advice from a licensed agent and that is a personal choice. Most agents can help determine the best coverages and help in the event of a claim. One of the benefits of comparing rates online is that you can obtain lower prices and still have a local agent. Supporting local agencies is important especially in Fresno.
To help locate an agent, after submitting this short form, your information is submitted to participating agents in Fresno who will give you bids for your business. You don’t have to contact any agents because prices are sent to you directly. If for some reason you want to get a price quote for a specific company, you would need to find their quoting web page and submit a quote form there.
If you would like to find a reputable insurance agent or broker, you should know the different types of agencies and how they operate. Fresno agents may be either exclusive or independent agents depending on their company appointments. Both can sell auto insurance policies, but it’s good to learn the difference in the companies they write for since it could factor into which type of agent you select.
Independent Auto Insurance Agencies
These type of agents can sell policies from many different companies and that gives them the ability to insure with any number of different companies and find you the best rates. If your agent finds better pricing, they simply switch companies in-house which makes it simple for you.
When comparison shopping, it’s recommended you check rates from a couple of independent agencies to get the most accurate price comparison.
The following is a short list of independent insurance agencies in Fresno that may be able to give you free auto insurance quotes.
Pan American Insurance Agency
7673 N Ingram Ave # 103 – Fresno, CA 93711 – (800) 303-8272 – View Map
DiBuduo and DeFendis Insurance Brokers LLC
6873 N West Ave – Fresno, CA 93711 – (559) 432-0222 – View Map
New Horizon Insurance
3039 W Ashlan Ave – Fresno, CA 93726 – (559) 244-6644 – View Map
Exclusive Insurance Agencies
Exclusive agents are contracted to one company and examples are AAA, Allstate, State Farm, or Farmers Insurance. They generally cannot shop your coverage around so you might not find the best rates. Exclusive agencies receive extensive training on what they offer which helps them sell insurance even at higher premiums.
Shown below is a list of exclusive insurance agents in Fresno that are able to give price quote information.
Dick Wallace – State Farm Insurance Agent
4344 E Ashlan Ave – Fresno, CA 93726 – (559) 222-6501 – View Map
Allstate Insurance: David Frisby
1625 E Shaw Ave #148 – Fresno, CA 93710 – (559) 224-2100 – View Map
Farmers Insurance: Stephen Leonard
1390 N Wishon Ave – Fresno, CA 93728 – (559) 485-0413 – View Map
Finding the right auto insurance agent should include more criteria than just the quoted price. The answers to these questions are important, too.
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Do they review policy coverages at every renewal?
- Are claim adjusters local or do you have to take your car somewhere else?
- How will an accident affect your rates?
- Are there any extra charges for paying monthly?
- What is the financial rating for the quoted company?
- What insurance companies do they work with in Fresno?
After getting acceptable answers to these questions and an affordable coverage quote, it’s a good possibility that you have found an insurance agent that can be trusted to adequately provide auto insurance. But remember, you have the power to cancel your coverage whenever you wish so never feel that you are permanently stuck with your new company for the full term.
Ratings for Fresno auto insurance companies
Insuring your vehicle with a good quality insurer can be difficult considering how many choices there are in California. The ranking data shown next may help you pick which companies you want to consider putting your business with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
In the end, you can save money
We just covered a lot of ways to get a better price on Cadillac ATS insurance in Fresno. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding low cost Fresno auto insurance quotes. Consumers may even find the biggest savings come from the smaller companies. These companies may only write in your state and offer lower prices than their larger competitors like Allstate and Progressive.
More affordable auto insurance in Fresno is attainable from both online companies in addition to many Fresno insurance agents, and you should compare rates from both in order to have the best price selection to choose from. Some auto insurance companies may not offer the ability to get a quote online and usually these smaller providers only sell through independent insurance agents.
Additional information
- How do I File a Claim? (Insurance Information Institute)
- What Insurance is Cheapest for Immigrants in Fresno? (FAQ)
- What Auto Insurance is Cheapest for a Jeep Grand Cherokee in Fresno? (FAQ)
- Who Has the Cheapest Auto Insurance for a Honda Accord in Fresno? (FAQ)
- Who Has Cheap Fresno Car Insurance for Low Credit Scores? (FAQ)
- What Insurance is Cheapest for a Toyota Highlander in Fresno? (FAQ)
- Eight Auto Insurance Myths (Insurance Information Institute)
- Collision Coverage (Liberty Mutual)
- Speed and Speed Limit FAQ (iihs.org)
- Preventing Carjacking and Theft (Insurance Information Institute)