2016 Cadillac ATS Coupe Insurance Rates – 10 Ideas for Cheapest Quotes

Are you burned out from not being able to scrape enough together to keep your car insured? You are in the same boat as many other consumers.

Due to the increasing number of companies and agents to choose from, it can be diffult for drivers to choose the lowest cost insurer.

Consumers should take time to price shop coverage before your next renewal because insurance rates change quite often. Even if you think you had the lowest premium rates on ATS Coupe coverage two years ago you may be paying too much now. Forget all the misinformation about insurance because you’re about to find out how to quote online to eliminate unnecessary coverages and save money.

Take these ten policy discounts and save

Insurance can be pricey, but there may be some discounts that can dramatically reduce your bill. A few discounts will automatically apply at quote time, but some need to be requested specifically before being credited.

  • Auto/Home Discount – If you can bundle your homeowners and auto insurance with one insurance company you may save at least 10% off all policies.
  • Senior Citizen Discount – If you’re over the age of 55, you may qualify for reduced rates on ATS Coupe coverage.
  • Professional Memberships – Belonging to qualifying employment or professional organizations is a simple method to lower premiums on your next renewal.
  • Good Drivers – Safe drivers could pay up to 40% less on ATS Coupe coverage than less cautious drivers.
  • Student in College – Kids who are enrolled in higher education away from home and do not have a car could qualify for this discount.
  • Drivers Ed for Students – Cut your cost by having your teen driver successfully complete driver’s ed class if offered at their school.
  • Payment Discounts – By paying your policy upfront rather than spreading payments over time you may reduce your total bill.
  • Defensive Driver Discount – Taking time to complete a defensive driver course may get you a small discount depending on where you live.
  • Military Deployment Discount – Being deployed in the military may qualify for rate reductions.
  • Data Collection Discounts – Policyholders that allow their company to track where and when they drive by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates if they are good drivers.

A quick disclaimer, most credits do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like medical payments or collision. Even though the math looks like you would end up receiving a 100% discount, insurance companies aren’t that generous.

Some of the larger companies that may offer many of the previously listed discounts include:

If you want cheaper auto insurance quotes, ask all the companies which discounts can lower your rates. Some discounts might not be offered everywhere. To choose companies that have a full spectrum of discounts, click this link.

Which policy gives me the best coverage?

When choosing coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions could help you determine if you might need professional guidance.

  • Does my 2016 Cadillac ATS Coupe need full coverage?
  • What happens if I owe more than my 2016 Cadillac ATS Coupe is worth?
  • How do I file an SR-22 for a DUI in my state?
  • Is motorclub coverage worth it?
  • If I drive on a suspended license am I covered?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Am I covered if I hit my neighbor’s mailbox?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Drivers who switch save $455 a year? Really?

Well-known car insurance companies like State Farm, Allstate and Geico regularly use ads on television and other media. They all make the point that drivers can save some big amount after switching your policy. How is it plausible that every one can charge less that you’re paying now? This is how they do it.

All companies have an ideal profile for the right customer that is profitable for them. An example of this type of driver should be over the age of 35, has no driving citations, and has a high credit rating. Any new insured who meets those qualifications will get a cheap rate quote and have a good chance to pay quite a bit less when switching companies.

Consumers who do not fit the “perfect” profile may be required to pay higher prices and the customer buying from a different company. The wording the ads use say “people who switch” but not “all drivers who get quotes” will save that much if they switch. That’s the way insurance companies can confidently make those claims. Because each company has a different risk profile, you really need to compare price quotes frequently. Because without a comparison, you cannot know the company that will provide you with the cheapest rates.

Auto insurance 101

Knowing the specifics of a auto insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverages offered by auto insurance companies.

Comprehensive coverages

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like a broken windshield, vandalism, rock chips in glass and fire damage. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family and damage to your 2016 Cadillac ATS Coupe.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Coverage for medical payments

Med pay and PIP coverage provide coverage for bills such as dental work, ambulance fees, chiropractic care, surgery and doctor visits. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Liability car insurance

This can cover injuries or damage you cause to other people or property. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability insurance covers claims like attorney fees, medical expenses, legal defense fees and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

Collision insurance

This covers damage to your ATS Coupe resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like hitting a parking meter, colliding with another moving vehicle and scraping a guard rail. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.

Final considerations

Throughout this article, we presented a lot of techniques to save on 2016 Cadillac ATS Coupe insurance. It’s most important to understand that the more quotes you get, the better your chances of lowering your car insurance rates. You may be surprised to find that the best rates are with a small mutual company. Some small companies can often insure niche markets at a lower cost than the large multi-state companies such as Geico and State Farm.

When shopping online for insurance, don’t be tempted to buy lower coverage limits just to save a few bucks. There are many occasions where an insured cut collision coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy the best coverage you can find at the lowest possible cost but still have enough coverage for asset protection.

Helpful learning opportunities

Comments About 2016 Cadillac ATS Coupe Insurance

  1. Margherita Jefferson

    I’m in the suburbs of West Valley City, Utah. I got free quotes from Hanover, Auto-Owners, Mercury, and a couple others for my Cadillac and saved around $470 a year. Left Amica to switch. :P

  2. Willia Burch

    Does 21st Century offer good discounts?

  3. Donette Miller

    Quoted with Mercury for my 2016 Cadillac ATS Coupe and am saving around $250 a year. Have an at-fault accident tho.

  4. Henrietta Tran

    Does 21st Century have good customer service?

  5. Marinda Ware

    I chose to switch to Progressive from AAA. I live in Gaithersburg, MD. Good multi-policy discounts. Get lots of quotes to find the best rate.

  6. Earle Macdonald

    Just a quick comment on my experience. From a town just southwest of Gaithersburg, MD. Received rates from Amica, Safeco, and Travelers for my 2016 Cadillac ATS Coupe and I think I saved around $60 each month.

  7. Gemma Atkinson

    Here’s my quote info. Found cheapest coverage with American Family for my ATS Coupe and saved around $460 a year. I just quoted rates online.

  8. Florencio Hooper

    From Columbus, Georgia. I quoted with Auto-Owners, Mercury, and a few others for my 2016 Cadillac ATS Coupe and I’m now saving $48 a month. Left Mercury to switch. I get a discount for insuring multiple vehicles.

  9. Brian Ortiz

    Here’s what I found out. From northwest of Pittsburgh, Pennsylvania. Quoted with GEICO, Auto-Owners, Encompass, and Liberty Mutual for my ATS Coupe and saved $230 a year. Insured with USAA before. I have a teen driver too.

  10. Lavonne Holman

    It all costs too much. I live just to the east of Jersey City, NJ. I got free prices from American Family, Nationwide, and a few others for my ATS Coupe and I’m now saving $22 a month.

  11. Staci Stephens

    I found cheap 2016 Cadillac ATS Coupe insurance in Tampa, FL with State Farm.

  12. Yer Carver

    Affordable car insurance is a myth. From northwest of Spokane, Washington. Received quotes with GEICO, AIG Insurance, Erie, and Hanover for my ATS Coupe and saved just over $220 a year.

  13. Bernice Pugh

    Anyone buy from Auto-Owners? I’m in Bridgeport, CT.

  14. Tamie Wolfe

    I’m in Honolulu, Hawaii. Quoted prices online for a 2016 Cadillac ATS Coupe. Ended up at about $190 savings annually. Went with State Farm. I get multi-vehicle and multi-policy discounts. Are quotes cheaper online?