Lower Your 2018 Cadillac ATS Coupe Car Insurance Cost 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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Drivers have options when trying to find the lowest priced Cadillac ATS Coupe insurance. They can either waste time driving around trying to get quotes or leverage the internet to compare rates. There is a right way and a wrong way to shop for car insurance and you need to know the absolute fastest way to get price quotes on a Cadillac and get the best price possible.

Finding affordable coverage is easy if you know what you’re doing. If you currently have car insurance, you will be able to reduce your rates substantially using this strategy. Consumers just need to understand how to get comparison quotes over the internet.

Don’t overlook these insurance discounts

Not too many consumers would say insurance is affordable, but there are discounts available to help offset the cost. Certain discounts will be applied when you quote, but some may not be applied and must be asked about before they will apply.

  • Discounts for Cautious Drivers – Accident-free drivers can save as much as half off their rates for ATS Coupe coverage than drivers with accidents.
  • Policy Bundle Discount – When you combine your auto and home insurance and insure them with the same company you could earn a discount of as much as 10 to 15 percent.
  • Discounts for New Vehicles – Buying coverage on a new vehicle can be considerably cheaper because newer vehicles have to meet stringent safety requirements.
  • Discount for Switching Early – Some larger companies reward drivers for switching to them before your current policy expires. It’s a savings of about 10%.
  • Discounts for Federal Employees – Active or retired federal employment could provide a small rate reduction for ATS Coupe coverage depending on your company.

Discounts lower rates, but most of the big mark downs will not be given to the overall cost of the policy. Some only apply to the cost of specific coverages such as comp or med pay. So when it seems like you could get a free insurance policy, it just doesn’t work that way.

To view companies that offer the discounts shown above, enter your zip code here.

Learn how to get car insurance more affordably

A large part of saving on car insurance is knowing a few of the rating criteria that help determine the rates you pay for car insurance. If you have a feel for what determines premiums, this allows you to make educated decisions that could result in lower car insurance prices. Many different elements are part of the equation when you get your auto insurance bill. A few of the factors are predictable like an MVR report, although others are more obscure such as your marital status or your financial responsibility.

The list below includes a few of the things car insurance companies consider when setting prices.

  • Pleasure use or commuting – The higher the miles on your Cadillac in a year the higher the price you pay to insure it. A lot of insurance companies charge to insure your cars based upon how you use the vehicle. Cars left parked in the garage get more affordable rates than vehicles that have high annual mileage. Having the wrong rating on your ATS Coupe may be wasting your money. It’s a smart idea to ensure your car insurance policy states how each vehicle is driven, because improper ratings can cost you money.
  • Gender as a rate factor – Over the last 50 years, statistics have shown females are less aggressive when driving. This data doesn’t prove that females are better drivers. They both are responsible for accidents in similar percentages, but the men tend to have higher claims. Men also tend to get cited for more serious violations like driving under the influence (DUI). Male drivers age 16 to 19 cause the most accidents so they pay the highest premiums.
  • Better car insurance rates for no policy lapses – Allowing your car insurance policy to lapse will be a quick way to trigger a rate increase. And not only will your rates increase, failure to provide proof of insurance could result in fines and jail time. You may then be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
  • Increase coverage deductibles and save – Comp and collision deductibles are how much you are willing to pay if you file a covered claim. Protection for physical damage, aka comp and collision, covers damage that occurs to your car. Some examples of covered claims are rear-ending another vehicle, collision with a deer, and damage from wind. The more expense you choose to pay out-of-pocket, the less money you will pay for car insurance for ATS Coupe coverage.

When to get professional advice

When it comes to buying adequate coverage, there really is no cookie cutter policy. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help highlight if you will benefit from professional help.

  • Should I rate my 2018 Cadillac ATS Coupe as pleasure use or commute?
  • When should I remove comp and collision on my 2018 Cadillac ATS Coupe?
  • Are my friends covered when driving my car?
  • How much underlying liability do I need for an umbrella policy?
  • Do I benefit by insuring my home with the same company?
  • Does liability extend to a camper or trailer?
  • Where can I get insurance after a DUI in my state?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete your zip code. It is quick, free and can help protect your family.

Auto insurance in the media

Drivers can’t escape the ads that promise big savings for switching from companies such as Allstate, GEICO and Progressive. All the companies convey the message about saving some big amount if you move your auto insurance policy to them.

How does each company charge you a lower premium? Here is the trick they use.

Different companies provide the lowest rates for the type of customer that earns them the highest profit. A good example of a preferred risk might be between 30 and 50, owns a home, and drives a lower-performance vehicle. Any person who fits those characteristics will get low premium rates and will most likely save if they switch.

Drivers who don’t qualify for these criteria may receive a more expensive rate and the customer buying from someone else. The wording the ads use say “customers who switch” not “everyone that quotes” save that much when switching. That is how insurance companies can state the savings. Because of this risk profiling, you really should compare free car insurance quotes often. It’s not possible to predict which insurance companies will fit you best based on your risk profile.

Car insurance coverages for a 2018 Cadillac ATS Coupe

Understanding the coverages of a insurance policy can help you determine the best coverages and the correct deductibles and limits. Insurance terms can be ambiguous and reading a policy is terribly boring.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Cadillac ATS Coupe.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Liability coverage – Liability insurance will cover damage that occurs to people or other property. This coverage protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged property.

Liability can pay for things like attorney fees, funeral expenses, medical expenses and pain and suffering. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Comprehensive insurance – This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like falling objects, damage from a tornado or hurricane, a broken windshield and hitting a bird. The most your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage kick in for short-term medical expenses for chiropractic care, ambulance fees, EMT expenses and surgery. They are used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverages – This will pay to fix damage to your ATS Coupe caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like crashing into a building, rolling your car and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Final thoughts

Low-cost 2018 Cadillac ATS Coupe insurance can be purchased online and from local agencies, so get free car insurance quotes from both of them in order to have the best chance of saving money. A few companies do not offer internet price quotes and many times these small insurance companies sell through local independent agents.

Drivers leave their current company for a variety of reasons including policy cancellation, being labeled a high risk driver, denial of a claim and lack of trust in their agent. Regardless of your reason for switching companies, choosing a new company can be less work than you think.

When shopping online for car insurance, never buy poor coverage just to save money. There are too many instances where an insured dropped liability coverage limits and discovered at claim time that it was a big mistake. Your goal is to get the best coverage possible at the best cost, but do not sacrifice coverage to save money.

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