2015 Cadillac ATS Coupe Insurance Quotes 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: May 18, 2024

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Trying to find better auto insurance rates for your Cadillac ATS Coupe? Scraping up a payment for high-priced Cadillac ATS Coupe insurance can overdraw your bank account and force you to prioritize other expenses. Doing a rate comparison can save money and help to lower your bills every month.

Many car insurance companies compete for your business, and it can be difficult to compare rates to find the absolute lowest price

Consumers should take time to price shop coverage at least once a year due to the fact that insurance prices change frequently. Just because you had the best quotes on ATS Coupe coverage a couple years back you will most likely find a better rate today. You can find a lot of information about auto insurance online but we’re going to give you some great ideas on how to find affordable auto insurance.

Find hidden discounts on auto insurance

Some insurance providers don’t necessarily list every discount available very clearly, so the following is a list of a few of the more common and also the lesser-known discounts that you may qualify for.

  • Good Student Discount – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Professional Organizations – Joining a qualifying organization could earn you a nice discount on auto insurance.
  • Save over 55 – If you’re over the age of 55, you can get a discount up to 10% on ATS Coupe coverage.
  • More Vehicles More Savings – Drivers who insure multiple cars or trucks with the same auto insurance company can get a discount for every vehicle.
  • Accident Forgiveness Coverage – Not necessarily a discount, but certain companies will turn a blind eye to one accident before hitting you with a surcharge if you are claim-free prior to the accident.
  • Drivers Education – Teen drivers should enroll in driver’s education if it’s offered in school.
  • Low Miles Discount – Low mileage vehicles may enable drivers to earn better premium rates on cars that stay parked.
  • Active Military Service – Having a family member in the military could be rewarded with lower rates.

Policy discounts save money, but most discount credits are not given to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. So even though it sounds like it’s possible to get free car insurance, you’re out of luck.

If you would like to see a list of companies who offer auto insurance discounts, enter your zip code here.

Good decisions result in lower insurance prices

Lots of factors are taken into consideration when you get your auto insurance bill. A few of the factors are predictable such as your driving record, but some are not quite as obvious such as your marital status or how financially stable you are.

  • Premiums increase with driving tickets – Having a single ticket can increase the cost of insurance by twenty percent. Attentive drivers tend to pay less for car insurance than bad drivers. Drivers unfortunate enough to have license-revoking tickets such as reckless driving or DUI may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to drive a vehicle legally.
  • Prevent theft and reduce prices – Driving a car with anti-theft technology or alarm system can get you a discount on your car insurance. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop car theft and help bring rates down.
  • Liability protection risk factors in – A critical coverage on your policy, liability insurance is the protection when a court rules you are at fault for personal injury or accident damage. Liability insurance provides you with a defense in court to attempt to prove you were not liable. It is affordable coverage compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • Gender and auto insurance rates – Over the last 30 years, statistics show that females take fewer risks when driving. That doesn’t necessarily mean that women are better drivers. Women and men cause fender benders at a similar rate, but the males have costlier accidents. Not only that, but men also receive more major tickets such as DWI and reckless driving. Teenage male drivers are the most expensive to insure and are penalized with high car insurance rates.
  • Proper usage rating affects premiums – The more miles you rack up on your Cadillac annually the more you’ll pay to insure it. A lot of insurance companies price each vehicle’s coverage partially by how you use the vehicle. Autos left parked in the garage can be on a lower rate level compared to those used for work or business. A policy that improperly rates your ATS Coupe may be wasting your money. Verify your car insurance declarations sheet reflects how each vehicle is driven.

Tailor your insurance coverage coverage to you

When choosing proper insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions might point out if your situation could use an agent’s help.

  • What is roadside assistance coverage?
  • Does liability extend to a camper or trailer?
  • Does coverage extend to my business vehicle?
  • I have good health insurance, so how much medical payments coverage do I need?
  • I have a DUI can I still get coverage?
  • I don’t drive much so do I pay less?
  • Can my babysitter drive my car?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out your zip code.

Save $409 a year? Really?

Auto insurance companies such as Allstate and Progressive endlessly run ads on television and other media. All the companies have a common claim about how much you will save if you change your coverage. How does every company charge lower premium rates? Here is how they do it.

Companies have specific criteria for the type of driver they prefer to insure. A good example of a profitable risk profile might be described as between the ages of 40 and 55, has never had a policy lapse, and drives a vehicle with a low ISO rating. A prospective insured who matches those parameters will qualify for the lowest car insurance rates and as a result will probably save some money.

Drivers who cannot meet those criteria may receive a higher rate and this results in the customer not purchasing. If you pay close attention to the ads, they say “people that switch” but not “everyone who gets a quote” save money. That’s the way insurance companies can make those claims. Each company has different criteria, so it’s extremely important to compare many company’s premium rates. You cannot predict with any certainty which company will have the best car insurance rates.

Auto insurance coverages 101

Understanding the coverages of your policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverages found on most auto insurance policies.

Liability auto insurance

This coverage protects you from damages or injuries you inflict on other’s property or people by causing an accident. It protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property.

Liability can pay for claims such as structural damage, attorney fees, repair costs for stationary objects and loss of income. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hitting a bird, damage from a tornado or hurricane, rock chips in glass and damage from flooding. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family and damage to your Cadillac ATS Coupe.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Collision insurance

This will pay to fix damage to your ATS Coupe resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like sustaining damage from a pot hole, crashing into a ditch and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for bills for nursing services, rehabilitation expenses, funeral costs, prosthetic devices and doctor visits. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible

The bottom line

Discount 2015 Cadillac ATS Coupe insurance is possible both online as well as from independent agents, so you need to shop auto insurance with both to have the best selection. Some insurance providers may not have internet price quotes and most of the time these smaller companies work with independent insurance agents.

We just covered many ideas to lower your 2015 Cadillac ATS Coupe insurance premium rates. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. You may even discover the lowest premium rates are with a lesser-known regional company. Smaller companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm, GEICO and Nationwide.

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