2022 Cadillac ATS Coupe Insurance Rates 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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Want better auto insurance rates for your Cadillac ATS Coupe? Trying to come up with a payment for overpriced auto insurance can consume your bank account and put the squeeze on your family’s finances.

There are many auto insurance companies to pick from, and although it’s a good thing to have a choice, too many choices makes it more difficult to compare company pricing.

It’s a good habit to take a look at other company’s rates at least once a year because auto insurance rates are constantly changing. If you had the lowest rate on ATS Coupe coverage a couple years back you will most likely find a better price today. There is lot of inaccurate information about auto insurance online but in this article, you’re going to get some proven techniques to lower your auto insurance bill.

The purpose of this post is to help educate you on how to get online quotes and some tips to save money. If you are paying for car insurance now, you will be able to reduce your rates substantially using these methods. Nevertheless, vehicle owners benefit from understanding the way insurance companies compete online.

Ways to get insurance coverage quotes

There are multiple methods you can shop for insurance coverage but some are more efficient than others. You can spend countless hours talking about coverages with agents in your area, or you could save time and use the internet to maximize your effort.

The majority of car insurance companies participate in an industry program that allows shoppers to only type in their quote data once, and every company can provide price quotes based on the submitted data. This eliminates the need for quote forms to each company.

To submit your quote information now, enter your zip code here.

One minor caveat to using this type of form is you can’t choose which providers you will receive quotes from. If you prefer to choose specific insurance companies to request quotes from, we have assembled a list of the cheapest insurance coverage companies in your area. Click to enter zip code.

Compare rates however you want, just be sure you’re using equivalent coverage data for each comparison quote. If you are comparing higher or lower deductibles it will be nearly impossible to truly determine the lowest rate. Just a small difference in insurance coverages or limits could mean much higher rates. And when price shopping your coverage, more quotes increases your odds of finding more affordable insurance.

Auto insurance rates and discounts

Auto insurance is expensive, but you can get discounts that many people don’t even know exist. Larger premium reductions will be automatically applied at quote time, but some must be specially asked for before they will apply. If you check and find you aren’t receiving every discount you qualify for, you could be paying more than you need to.

  • Seat Belt Discounts – Buckling up and requiring all passengers to wear their seat belts may be able to save a few bucks off PIP or medical payments premium.
  • Early Renewal Discounts – A few auto insurance companies offer discounts for switching policies before your current expiration date. It can save you around 10%.
  • Low Miles Discount – Low annual miles could earn substantially lower rates.
  • Federal Employees – Active or former government employment could qualify for a slight premium decrease on ATS Coupe coverage but check with your company.
  • Data Collection Discounts – People who choose to allow their company to track vehicle usage by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive could possibly reduce rates if they are good drivers.
  • Buy New and Save – Adding a new car to your policy can save you some money compared to insuring an older model.
  • Paperless Signup – Some companies provide a small discount get auto insurance online.
  • Military Discounts – Being on active duty in the military may lower your premium rates slightly.
  • Clubs and Organizations – Being a member of qualifying employment or professional organizations could qualify you for a break when shopping for auto insurance.

As is typical with insurance, some of the credits will not apply to your bottom line cost. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears you could get a free auto insurance policy, you won’t be that lucky. But all discounts will lower the amount you pay for coverage.

A list of companies and some of the discounts are detailed below.

  • State Farm has discounts for anti-theft, multiple policy, accident-free, driver’s education, Drive Safe & Save, and good driver.
  • Liberty Mutual offers premium reductions for newly married, teen driver discount, exclusive group savings, preferred payment discount, good student, and new move discount.
  • American Family may include discounts for good driver, mySafetyValet, multi-vehicle, Steer into Savings, and early bird.
  • Progressive includes discounts for multi-vehicle, homeowner, continuous coverage, good student, multi-policy, and online signing.
  • Farmers Insurance policyholders can earn discounts including alternative fuel, multi-car, homeowner, switch companies, and good student.
  • Auto-Owners Insurance discounts include multi-policy, good student, anti-lock brakes, company car, and paperless.
  • SAFECO may have discounts that include homeowner, bundle discounts, teen safe driver, anti-theft, accident prevention training, multi-car, and safe driver.

Before purchasing a policy, check with each company which credits you are entitled to. Discounts may not apply to policies everywhere. To find auto insurance companies who offer cheap auto insurance quotes, enter your zip code here.

Situations that may require an agent’s advice

When buying proper insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions might help in determining if your insurance needs may require specific advice.

  • What vehicles should carry emergency assistance coverage?
  • Can I afford low physical damage deductibles?
  • Is my trailer covered?
  • Do I have coverage if my license is suspended?
  • What is the minimum liability in my state?
  • Are my friends covered when driving my 2022 Cadillac ATS Coupe?
  • Why do I only qualify for high-risk insurance?

If you’re not sure about those questions then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete your zip code.

Educate yourself about car insurance coverages

Knowing the specifics of your policy aids in choosing the right coverages for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy. These are the usual coverages found on the average car insurance policy.

Liability auto insurance – Liability insurance will cover injuries or damage you cause to other’s property or people by causing an accident. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for claims like attorney fees, medical services, funeral expenses, repair costs for stationary objects and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Collision coverages – This pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like hitting a parking meter, crashing into a ditch, damaging your car on a curb and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hitting a bird, theft and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Cadillac ATS Coupe.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these limits do not exceed the liability coverage limits.

Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like prosthetic devices, nursing services, hospital visits, ambulance fees and doctor visits. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover you and your occupants as well as any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

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