It goes without saying that auto insurance companies want to keep you from shopping around. Drivers who shop around for a cheaper policy are inclined to buy a different policy because there is a high probability of finding coverage at a cheaper rate. A recent car insurance study discovered that people who make a habit of shopping around saved an average of $865 a year compared to drivers who don’t make a habit of comparing rates.
If finding the lowest rates on insurance in Henderson is why you’re here, then learning about how to get rate quotes and compare insurance rates can make it simple to find affordable coverage.
If your goal is the lowest price, then the best way to get low-cost Cadillac ATS insurance is to compare prices once a year from companies who sell auto insurance in Henderson. You can compare prices by completing these steps.
- Try to learn about auto insurance and the things you can change to prevent high rates. Many rating factors that cause high rates such as speeding tickets, accidents and an imperfect credit rating can be eliminated by making minor driving habit or lifestyle changes.
- Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only provide price estimates from one company like GEICO or Farmers Insurance, while independent agents can quote rates for a wide range of insurance providers. Compare rates
- Compare the new rates to the premium of your current policy to determine if switching companies saves money. If you find better rates, make sure coverage does not lapse between policies.
An essential thing to point out is to compare identical coverage information on each quote and and to get rates from as many companies as possible. Doing this helps ensure a level playing field and a complete selection of prices.
If you are already insured or just want cheaper rates, you can learn to get lower rates without reducing protection. Locating the best insurance company for you in Henderson is easy if you know what you’re doing. Drivers just have to know the most time-saving way to quote multiple rates online from multiple companies.
Getting a cheaper price on Cadillac ATS insurance is pretty simple and can save money. The only requirement is to take a couple of minutes to get quotes provided by online insurance companies.
Comparing price quotes online is fast and free, and it takes the place of having to call or drive to different Henderson agent offices. Comparing online rate quotes has made agencies unnecessary unless you’re the type of person who wants the peace of mind of a local Henderson agent. It is possible to comparison shop online but have a local agent actually write the policy.
The companies shown below have been selected to offer free rate quotes in Nevada. If multiple companies are listed, we recommend you get rates from several of them to get a more complete price comparison.
Auto insurance is not optional but you don’t have to overpay
Despite the high cost, auto insurance is mandatory in Nevada but it also protects more than you think.
- The majority of states have mandatory liability insurance requirements which means the state requires a specific level of liability if you don’t want to risk a ticket. In Nevada these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a loan on your ATS, most banks will make it mandatory that you have comprehensive coverage to guarantee their interest in the vehicle. If you do not keep the policy in force, the bank or lender will purchase a policy for your Cadillac for a much higher rate and make you pay for it.
- Auto insurance preserves both your vehicle and your personal assets. It also can pay for most medical and hospital costs for not only you but also any passengers injured in an accident. Liability coverage also covers legal expenses if anyone sues you for causing an accident. If your Cadillac gets damaged, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.
The benefits of having insurance more than cancel out the cost, especially if you ever need it. According to a 2015 survey, the average American driver is overpaying more than $700 annually so smart consumers compare quotes once a year at a minimum to be sure current rates are still competitive.
Get cheaper rates on Cadillac ATS insurance in Henderson with these eight discounts
Car insurance is not an enjoyable expense, but you may be missing some discounts that many consumers don’t even know exist. Some of these discounts will be visible when you purchase, but some must be asked about before being credited.
- Online Discount – A few larger online companies give back up to $50 for buying your policy on your computer.
- Use Seat Belts – Forcing all vehicle occupants to buckle up may be able to save a few bucks on medical payment and PIP coverage.
- Anti-theft System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are less likely to be stolen and can earn a small discount on your policy.
- Multi-policy Discount – When you have multiple policies and insure them both with the same insurance company you may save approximately 10% to 15%.
- Savings for New Vehicles – Buying a new car instead of a used ATS is cheaper because newer vehicles have to meet stringent safety requirements.
- ABS Brakes – Cars and trucks that have anti-lock braking systems prevent accidents and will save you 10% or more on ATS insurance in Henderson.
- Organization Discounts – Affiliation with a professional or civic organization may earn a discount when shopping for car insurance.
- College Student Discount – Youth drivers who are attending college and do not have access to a covered vehicle could get you a discount.
One last thing about discounts, most credits do not apply to all coverage premiums. The majority will only reduce specific coverage prices like medical payments or collision. So even though it sounds like all those discounts means the company will pay you, nobody gets a free ride.
Large car insurance companies and their offered discounts are detailed below.
- GEICO has savings for driver training, federal employee, daytime running lights, seat belt use, defensive driver, and air bags.
- Travelers has discounts for multi-policy, IntelliDrive, save driver, continuous insurance, driver training, home ownership, and payment discounts.
- Farm Bureau offers discounts including 55 and retired, renewal discount, driver training, safe driver, and multi-policy.
- Liberty Mutual may offer discounts for teen driver discount, new move discount, hybrid vehicle, new graduate, good student, and newly married.
- American Family includes discounts for TimeAway discount, mySafetyValet, multi-vehicle, bundled insurance, and accident-free.
- Progressive policyholders can earn discounts including homeowner, online quote discount, multi-policy, multi-vehicle, good student, and online signing.
Before buying, ask every insurance company the best way to save money. Discounts might not be offered on policies in Henderson. If you would like to choose from a list of companies that offer some of these discounts in Henderson, follow this link.
Exclusive and independent car insurance agents
Many drivers still prefer to buy from a licensed agent and that is just fine! Most agents can answer important questions and help you file claims. A nice benefit of getting online price quotes is that drivers can save money and get lower car insurance rates and still choose a local agent. And supporting local insurance agents is important especially in Henderson.
After filling out this short form, the quote information is sent to participating agents in Henderson who will give you bids and help you find cheaper coverage. There is no reason to contact any agents because prices are sent straight to your inbox. If you have a need to quote rates from one company in particular, you can always go to their quote page and fill out the quote form the provide.
Below is a short list of insurance companies in Henderson that can give you price quotes for Cadillac ATS insurance in Henderson.
Randy Wilcox – State Farm Insurance Agent
11115 S Eastern Ave #130 – Henderson, NV 89052 – (702) 617-9111 – View Map
Farmers Insurance – Frank Tworek
911 American Pacific Dr #140 – Henderson, NV 89014 – (702) 316-4888 – View Map
Shelter Insurance – Joe Burnett
2759 Sunridge Heights Pkwy – Henderson, NV 89052 – (702) 269-5458 – View Map
J.J. Tucker – State Farm Insurance Agent
10890 S Eastern Ave #115 – Henderson, NV 89052 – (702) 616-1000 – View Map
Picking the best provider shouldn’t rely on just the premium amount. The following questions are important to ask.
- Will they make sure you get an adequate claim settlement?
- Do they prorate repair cost based on vehicle mileage?
- What company holds the largest book of business for them?
- Can they provide you with a list of referrals?
- How long have they been in business?
- Is working in the agency their full-time job?
- Do they write coverage based solely on cost?
- Are claims handled at the agent’s location?
You are unique and your car insurance should be too
When quoting and choosing a policy for your vehicles, there is no one-size-fits-all type of policy. Your financial needs are unique.
For instance, these questions can help discover if your insurance needs would benefit from professional advice.
- Should I buy only the required Nevada minimum liability coverage?
- How much coverage applies to personal belongings?
- Can I afford to buy a different vehicle if my Cadillac ATS is totaled?
- Is business equipment covered while in my vehicle?
- Is my custom stereo system covered?
- Am I covered if I crash into my own garage door?
- Am I covered when delivering products for my home-based business?
- What is the minimum liability in Nevada?
If you don’t know the answers to these questions then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and you can get the answers you need.
Nevada auto insurance companies
Insuring your vehicle with the right insurer can be difficult considering how many different insurance companies sell coverage in Henderson. The ranking data shown next can help you analyze which car insurance companies you want to consider when shopping your coverage around.
| 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 |
| 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Learn about insurance coverages for a Cadillac ATS
Learning about specific coverages of your policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.
Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like prosthetic devices, doctor visits and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage
Collision coverage – This coverage will pay to fix damage to your ATS caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against things like crashing into a ditch, crashing into a building and driving through your garage door. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible on your ATS to bring the cost down.
Uninsured/Underinsured Motorist (UM/UIM) – This coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family and also any damage incurred to your Cadillac ATS.
Since many Nevada drivers have only the minimum liability required by law (15/30/10), it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Usually the UM/UIM limits are set the same as your liability limits.
Auto liability insurance – This provides protection from damages or injuries you inflict on other’s property or people that is your fault. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 15/30/10 that means you have $15,000 bodily injury coverage, a total of $30,000 of bodily injury coverage per accident, and a limit of $10,000 paid for damaged property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.
Liability coverage protects against things like medical expenses, medical services, bail bonds, pain and suffering and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible. Nevada requires minimum liability limits of 15/30/10 but drivers should carry more coverage.
The next chart demonstrates why buying the state minimum limits may not be high enough to adequately cover claims.
Comprehensive insurance – This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for claims like vandalism, theft, damage from getting keyed, rock chips in glass and hitting a deer. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Lower rates by being persistent
Cost effective Cadillac ATS insurance can be bought online and with local Henderson insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some auto insurance companies do not offer price quotes online and most of the time these small insurance companies only sell through local independent agents.
Insureds switch companies for any number of reasons including policy non-renewal, denial of a claim, questionable increases in premium and delays in paying claims. Regardless of your reason, choosing a new company can be pretty painless.
When you buy Henderson auto insurance online, do not reduce needed coverages to save money. There are many occasions where someone sacrificed uninsured motorist or liability limits and found out when filing a claim they didn’t purchase enough coverage. The proper strategy is to buy a smart amount of coverage at a price you can afford but still have enough coverage for asset protection.
For more information, take a look at the articles below:
- How to Avoid Common Accidents (State Farm)
- What Auto Insurance is Cheapest for Drivers with Good Credit in Henderson? (FAQ)
- Who Has the Cheapest Auto Insurance for Hybrid Vehicles in Henderson? (FAQ)
- Child Safety Seats (Insurance Information Institute)
- Red Light Cameras (State Farm)
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)