Cheap 2018 Cadillac ATS Coupe Car Insurance Quotes

Want lower auto insurance rates for your Cadillac ATS Coupe? Have you fallen victim to an underperforming, overpriced auto insurance policy? Say no more because many drivers feel the same as you.

Numerous car insurance companies battle to insure your vehicles, and it can be difficult to compare rates to discover the definitive best price available.

You should make it a habit to shop coverage around before your policy renews due to the fact that insurance rates change frequently. Despite the fact that you may have had the lowest rate for ATS Coupe coverage a few years ago you can probably find a better price now. Forget anything you know (or think you know) about auto insurance because it’s time to teach you one of the best ways to remove unneeded coverages and save money.

Why you might pay higher rates

Many factors are part of the calculation when you quote your car insurance policy. A few of the factors are predictable such as traffic violations, but some are more obscure like your continuous coverage and annual miles driven.It’s important that you understand the different types of things that go into determining your premiums. If you know what determines base rates, this enables you to make decisions that could result in lower rates.

The factors shown below are a partial list of the pieces that factor into prices.

  • Women tend to cost less – Over the last 30 years, statistics show that females tend to be a little less risky than males. However, this does not mean women are better drivers. Females and males tend to get into fender benders at about the same rate, but the males tend to have more serious accidents. Not only that, but men also receive more major tickets like driving under the influence (DUI).
  • Extra coverages can cost a lot – There are a ton of additional coverages you can purchase when buying auto insurance. Coverages for coverage for rental cars, accident forgiveness, and membership fees are examples of these. They may seem good when deciding what coverages you need, but your money might be better spent on other coverage so remove them from your policy.
  • Low mileage costs less – The more miles you rack up on your Cadillac every year the higher your rate. Almost all companies apply a rate determined by how the vehicle is used. Cars and trucks not used for work or commuting qualify for better rates as compared to vehicles used primarily for driving to work. It’s a good idea to make sure your vehicle rating shows the right rating data, because it can save money. Having an incorrect usage rating on your ATS Coupe is throwing money out the window.
  • Big cities mean more claims – Being located in small towns and rural areas is a positive aspect when talking about auto insurance. Fewer drivers on the road means less chance of accidents as well as less vandalism and auto theft. People who live in big cities have to deal with much more traffic and much longer commute distances. More time on the road means more chance of being in an accident.
  • Liability insurance preserves assets – The liability section of your policy will protect you when you are determined to be liable for causing personal injury or damage in an accident. Your liability coverage provides legal defense coverage which can cost thousands of dollars. Liability is cheap compared to comp and collision, so buy as much as you can afford.
  • Safer cars lower prices – Cars with five star safety ratings can get you lower premiums. Highly rated vehicles reduce the chance of injuries and fewer serious injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders.

First Step: Get free insurance coverage quotes

Shopping for lower insurance coverage rates can be challenging if you don’t understand the fastest way to get free quotes. You could waste time driving to agents in your area, or you can stay home and use online quotes for quick rates.

Many popular insurance companies are enrolled in a marketplace that enables customers to enter their coverage request one time, and each participating company can provide price quotes based on that information. This eliminates the need for quotation requests to each company.

To compare pricing click here to open in new window.

The one disadvantage to pricing coverage this way is you cannot specify which companies you will receive quotes from. So if you want to choose from a list of companies to compare prices, we put together a list of companies who write insurance coverage in your area. Click here to view list.

Take whichever approach you prefer, but ensure you’re using nearly identical coverage limits and deductibles for each quote you get. If you are comparing different limits and deductibles on each one it’s not possible to determine which rate is truly the best. Just slight variations in limits can mean a large discrepancy in price. And when price shopping your coverage, comparing a large number of companies helps improve the odds of finding lower pricing. Not every company provides online quotes, so it’s necessary to compare price estimates from them as well.

Is there deception in advertising?

Well-known insurance companies like State Farm, Allstate and Geico continually stream ads on TV and radio. All the ads advertise claims that you can save if you get a free insurance quote and switch your insurance policy to them. But how can every company cost less than your current company?

Different companies have strict underwriting profiles for the driver that earns them the highest profit. One example of a desirable insured should be over the age of 35, carries full coverage, and drives newer vehicles. A driver that fits those parameters will get low prices and therefore will save quite a bit of money when switching.

Potential insureds who may not quite match these criteria may be forced to pay higher premium rates and ends up with the driver buying from a lower-cost company. The wording the ads use say “customers who switch” not “everyone who quotes” can get the lowest rates when switching. This is how insurance companies can make those statements. Each company has different criteria, so you really should compare free insurance quotes often. It’s just not possible to know which insurance companies will have the best premium rates for your profile.

Earn discounts to get lower-cost insurance quotes

Not many people think insurance is cheap, but discounts can save money and there are some available that could drop your premiums quite a bit. Some discounts will apply at the time of quoting, but some may not be applied and must be requested specifically in order for you to get them.

  • Anti-theft System – Vehicles optioned with advanced anti-theft systems have a lower chance of being stolen and qualify for as much as a 10% discount.
  • Passive Restraint Discount – Options like air bags or motorized seat belts can qualify for discounts as much as 30%.
  • Claim Free – Drivers who stay claim-free are rewarded with significantly better rates on insurance quote as compared to drivers with a long claim history.
  • Defensive Driver Discount – Participating in a safe driver class could earn you a small percentage discount if you qualify.
  • Telematics Data Discounts – Drivers who agree to allow data collection to look at driving patterns remotely such as State Farm’s In-Drive could see a rate decrease if their driving habits are good.
  • Professional Organizations – Being a member of specific professional or occupational memberships or organizations could trigger savings on your policy.
  • Own a Home and Save – Being a homeowner may trigger a policy discount on insurance because owning a home is proof of financial responsibility.
  • Drive Less and Save – Driving fewer miles could be rewarded with discounted rates on garaged vehicles.
  • ABS and Traction Control Discounts – Cars and trucks with ABS braking systems or traction control can avoid accidents so you can save 10 percent or more.

Discounts lower rates, but most of the big mark downs will not be given to the entire policy premium. Most only cut the price of certain insurance coverages like medical payments or collision. So when it seems like you could get a free insurance policy, companies don’t profit that way.

Companies and a partial list of their discounts are included below.

  • Geico has savings for defensive driver, driver training, daytime running lights, anti-theft, military active duty, federal employee, and anti-lock brakes.
  • Auto-Owners Insurance discounts include multi-policy, paid in full, safe vehicle, safe driver, group or association, company car, and multiple vehicles.
  • American Family has discounts for TimeAway discount, bundled insurance, Steer into Savings, good student, and air bags.
  • Esurance policyholders can earn discounts including online quote, good driver, anti-theft, safety device, paid-in-full, and homeowner.
  • Progressive offers discounts including multi-policy, online signing, continuous coverage, multi-vehicle, and online quote discount.
  • State Farm may include discounts for defensive driving training, accident-free, multiple policy, good student, passive restraint, driver’s education, and multiple autos.
  • AAA may have discounts that include good driver, multi-car, good student, education and occupation, and anti-theft.

Before you buy a policy, ask every insurance company which credits you are entitled to. A few discounts may not be available in your state. To locate insurance companies who offer discounts, click here.

Tailor your auto insurance coverage to you

When buying coverage for your vehicles, there isn’t really a best way to insure your cars. Each situation is unique so your insurance needs to address that. These are some specific questions can aid in determining if your insurance needs would benefit from professional advice.

  • Do I pay less if my vehicle is kept in my garage?
  • Am I covered when driving someone else’s vehicle?
  • Should I rate my 2018 Cadillac ATS Coupe as pleasure use or commute?
  • Can I rent a car in Mexico?
  • Is other people’s property covered if stolen from my vehicle?
  • Who is covered when they drive my 2018 Cadillac ATS Coupe?
  • Should I waive the damage coverage when renting a car?
  • What is UM/UIM insurance?
  • Do I need medical payments coverage since I have good health insurance?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

The coverage is in the details

Having a good grasp of your car insurance policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages found on the average car insurance policy.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Cadillac ATS Coupe.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for collisions

This will pay to fix damage to your ATS Coupe caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like backing into a parked car, colliding with another moving vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Liability

This coverage can cover damage that occurs to people or other property. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

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 policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims such as funeral expenses, medical services and repair costs for stationary objects. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive coverage (or Other than Collision)

This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like fire damage, rock chips in glass and damage from flooding. The maximum payout your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Med pay and PIP coverage pay for bills for things like ambulance fees, pain medications and nursing services. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

More quotes. Lower rates.

When searching for affordable insurance quotes, you should never reduce needed coverages to save money. There have been many situations where an insured cut physical damage coverage only to regret that it was a big mistake. Your aim should be to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

We just presented a lot of tips how to lower your 2018 Cadillac ATS Coupe insurance rates. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. Consumers may even find the lowest rates are with a small mutual company. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as Allstate or State Farm.

Helpful resources