2019 Cadillac ATS Insurance Rates
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UPDATED: May 1, 2020
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Average insurance rates for a 2019 Cadillac ATS are $1,416 a year for full coverage insurance. Comprehensive costs approximately $294 each year, collision insurance costs $566, and liability costs around $398. Buying a liability-only policy costs as low as $460 a year, and high-risk insurance costs around $3,074. Teen drivers receive the highest rates at up to $5,292 a year.
Annual premium for full coverage: $1,416
Rate estimates for 2019 Cadillac ATS Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2019 Cadillac ATS models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For the average driver, prices range range from as low as $460 for just liability insurance to a high rate of $3,074 for a driver that may need high-risk insurance.
These differences illustrate why all drivers should compare prices using their specific location and risk profile, instead of making a decision based on price averages.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2019 Cadillac ATS Insurance
Purchasing low-cost insurance on the web might appear somewhat difficult for people who are new to comparing prices online. Because there are so many online companies available, how are people expected to have a chance to compare every insurance company to find lower insurance premiums?
It’s a good idea to compare premium rates once or twice a year since insurance prices fluctuate regularly. Just because you found the best quotes for ATS coverage a year ago there is a good chance you can find better rates now. Forget anything you know (or think you know) about insurance because it’s time to teach you the best way to find better rates and still maintain coverage.
Finding affordable coverage is not rocket science. If you currently have a car insurance policy, you will be able to cut costs considerably using these techniques. Although consumers can benefit from knowing how the larger insurance companies price insurance differently and use this information to your advantage.
Affordable car insurance quotes
Most of the larger companies provide insurance quotes direct online. Comparing prices online is possible for anyone because you just enter the coverage amounts you desire into the form. Once you submit the form, their system automatically orders credit information and your driving record and returns a price quote.
Online price estimates makes it simple to compare prices but having to visit a lot of sites and complete many quote forms is repetitive and time-consuming. But it’s necessary to have as many quotes as possible if you want to find better car insurance pricing.
The quickest way to compare car insurance pricing requires only one form that obtains quotes from a bunch of companies at once. It saves time, eliminates repetitive work, and makes price shopping online a lot less work. Immediately after submitting the form, it gets priced with multiple companies and you can pick any of the price quotes you receive. If you find a better price you can click and sign and buy the new coverage. This process only takes a few minutes and can result in significant savings.
To quickly fill out one form to compare multiple rates now, simply enter your zip code here and complete the simple form. To compare your current rates, we recommend you complete the form with the limits and deductibles as close as possible to your current policy. Doing this assures you are getting rate quotes based on identical coverages.
Lower rates by qualifying for these ten discounts
Buying insurance coverage is not cheap, but discounts can save money and there are some available to cut the cost considerably. A few discounts will be applied when you purchase, but some may not be applied and must be asked about before they will apply.
- College Student Discount – Any of your kids who are enrolled in higher education away from home without a vehicle on campus may be able to be covered for less.
- Defensive Driver Discounts – Participating in a course that instructs on driving safety could cut 5% off your bill if you qualify.
- Multi-Vehicle Discounts – Buying a policy with all your vehicles on a single policy can reduce the rates for all insured vehicles.
- Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts as much as 30%.
- Paperwork-free – A handful of insurance companies will give you a small discount for buying your policy on your computer.
- Good Students Pay Less – Excelling in school can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
- Driver’s Ed – It’s a good idea to have your young drivers participate in a local driver’s education class in high school.
- Federal Employees – Federal government employees could cut as much as 10% off for ATS coverage with some insurance coverage companies.
- Cautious Driver Discount – Drivers who avoid accidents can save as much as half off their rates for ATS coverage than drivers with accident claims.
- Seat Belts Save – Forcing all vehicle occupants to use their safety belts can save up to 15% off the medical payments premium.
As a disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Most only apply to individual premiums such as comp or med pay. So despite the fact that it appears you would end up receiving a 100% discount, nobody gets a free ride.
A partial list of companies who may offer these benefits are:
When quoting, ask each insurance company which discounts they offer. Some discounts listed above may not apply to policyholders in your state. If you would like to view providers that offer many of these discounts, enter your zip code here.
Car insurance is unique, just like you
When it comes to choosing adequate coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s situation is a little different.
These are some specific questions can help discover if you will benefit from professional help.
- What is UM/UIM insurance?
- Is business property covered if stolen from my car?
- Am I covered if my car is in a flood?
- Does my liability insurance cover pulling a trailer or camper?
- How do I buy GAP insurance?
- How much liability insurance is required?
- Is rental equipment covered for theft or damage?
- Should I waive the damage coverage when renting a car?
- How much liability do I need to cover my assets?
If you don’t know the answers to these questions then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete your zip code.
Beware of misleading auto insurance ads
Auto insurance providers like State Farm and Allstate constantly bombard you with ads on TV and radio. They all seem to make an identical promise that drivers can save some big amount if you just switch your auto insurance policy to them. How does every company charge less that you’re paying now? You have to listen carefully.
Insurance providers give the cheapest rates for a prospective insured that will not have excessive claims. One example of a profitable risk profile should be between 30 and 50, carries full coverage, and drives less than 5,000 miles a year. Any person that meets those criteria receive the lowest rate quotes and will also cut their rates if they switch.
Insureds who fall short of this stringent profile will probably have to pay higher rates which translates to the customer buying from someone else. If you pay close attention to the ads, they say “customers that switch” not “everyone that quotes” will save that much if they switch. That’s why insurance companies can confidently make the claims of big savings. This really drives home the point why you need to get price quotes at each policy renewal. It’s just too difficult to predict which company will have the lowest rate quotes.
Insurance coverage basics
Knowing the specifics of your insurance policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.
Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for bills for things like X-ray expenses, nursing services, doctor visits, rehabilitation expenses and funeral costs. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible
Liability car insurance – Liability insurance protects you from injuries or damage you cause to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.
Liability coverage pays for things like repair bills for other people’s vehicles, funeral expenses, loss of income and medical expenses. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.
Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.
Comprehensive coverage (or Other than Collision) – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims such as vandalism, rock chips in glass and hitting a deer. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.
Collision – Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers things like hitting a parking meter, colliding with another moving vehicle, hitting a mailbox, damaging your car on a curb and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.
Quote more, save more
While you’re price shopping online, do not buy poor coverage just to save money. There have been many cases where an accident victim reduced uninsured motorist or liability limits and found out when filing a claim that it was a big mistake. The proper strategy is to find the BEST coverage at the best cost, but do not sacrifice coverage to save money.
We covered some good ideas how to shop for 2019 Cadillac ATS insurance online. The key thing to remember is the more rate quotes you have, the higher your chance of finding affordable insurance. You may be surprised to find that the most savings is with the smaller companies.
Budget-conscious 2019 Cadillac ATS insurance can be found from both online companies and from local agencies, so you need to shop insurance with both to get a complete price analysis. There are still a few companies who may not have the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.
Other learning opportunities
Rates by U.S. City
|New York City, NY||$2,241|
|Los Angeles, CA||$2,424|
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$106|
|5-yr Claim Free||$92|
|Paid in Full/EFT||$66|
Discounts are estimated and may not be available from every company or in every state.