Cheaper 2018 Cadillac ATS Coupe Insurance Rates

Feel like you’re a prisoner to an underperforming, overpriced car insurance policy? Trust us when we tell you you’re not alone. Big companies like State Farm and Geico all promote huge savings with ad campaigns and consumers find it hard to sift through the bull and take the time to shop coverage around.

You should take the time to compare premium rates quite often because car insurance prices are variable and change quite frequently. Even if you think you had the best deal for ATS Coupe coverage last year you will most likely find a better rate quote today. There are lots of tips to save on car insurance on the web, but we’re going to give you some tested techniques to save money.

How to get affordable auto insurance

There are a variety of methods to compare auto insurance quotes, but there is one way that is easier and takes less work. You can waste a lot of time driving to insurance agencies in your area, or you can stay home and use online quotes for quick rates.

Many popular insurance companies participate in an industry program where prospective buyers enter their coverage request one time, and at least one company then gives them pricing for coverage. This saves time by eliminating quotation requests for every auto insurance company.

To compare rates using this form now click here (opens in new window).

The only drawback to getting quotes like this is buyers cannot specifically choose the insurers to get pricing from. So if you prefer to choose individual companies to receive pricing from, we have assembled a list of auto insurance companies in your area. Click here for list of insurance companies.

You can choose any of those ways to find more affodable coverage, but make sure you compare equivalent coverage limits and deductibles with each company. If your comparisons have different coverage information you can’t possibly get a fair rate comparison.

Components of your Cadillac ATS Coupe insurance costs

It’s important that you understand some of the elements that are used to determine insurance coverage rates. When you know what positively or negatively influences your rates, this allows you to make good choices that can earn you lower premium levels. Many different elements are part of the calculation when you quote your car insurance policy. Some of the criteria are obvious like your driving record, but other factors are less apparent like your vehicle usage or your vehicle rating.

• Liability insurance is cheap – Your policy’s liability coverage will afford coverage if you are found liable for physical damage or personal injury to other. It will provide legal defense coverage to attempt to prove you were not liable. Liability is cheap compared to comp and collision, so buy as much as you can afford.
• Big cities mean more claims – Having an address in small towns and rural areas can save you money when talking about insurance coverage. Lower population means reduced accidents as well as less vandalism and auto theft. City drivers have to deal with more auto accidents and higher rates of accident claims. The longer drive time means higher likelihood of an accident.
• What’s your car’s IIHS safety rating? – Safer cars tend to be cheaper to insure. Highly rated vehicles reduce occupant injuries and reduced instances of injuries means your insurance company pays less which can mean better rates for you. If your Cadillac ATS Coupe has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
• Pay more by driving carelessly – Having just one ticket can bump up the cost to the point where it’s not affordable. Drivers with clean records pay lower auto insurance prices than bad drivers. Drivers who have received severe citations such as reckless driving or DUI might be required by their state to file a proof of financial responsibility form (SR-22) with their state’s licensing department in order to legally drive a vehicle.
• Don’t cancel your coverage without a new one in place – Going without insurance will be a sure-fire way to pay more for insurance coverage. In addition to paying higher rates, the inability to provide proof of insurance could earn you a license revocation or jail time. You may then be required to prove you have insurance by filing a SR-22 with your state DMV.
• Too many policy claims and you’ll pay more – If you are a frequent claim filer, you can expect either a policy non-renewal or much higher rates. Auto insurance companies award most affordable rates to drivers who do not rely on their insurance for small claims. Your insurance policy is intended for the bigger claims that can’t be paid out-of-pocket.
• Gender and auto insurance premiums – The statistics show females are less aggressive when driving. That doesn’t necessarily mean that men are WORSE drivers than women. Both sexes tend to get into auto accidents at a similar rate, but guys tend to have more serious accidents. Men also get ticketed for serious violations like DWI (DUI) or reckless driving. Young males are several times more likely to be in an accident and therefore pay the highest rates.
• Do you save by driving less? – Driving a lot of miles in a year the more you’ll pay to insure it. Almost all companies rate vehicles based upon how the vehicle is primarily used. Cars and trucks used primarily for pleasure use get more affordable rates as compared to vehicles used primarily for driving to work. Ask your agent if your insurance coverage declarations sheet states annual mileage, because improper ratings can cost you money. Having the wrong rating on your ATS Coupe may be costing you higher rates.

More discounts mean affordable premiums

Companies that sell car insurance don’t always list every available discount very clearly, so we break down some of the more common and the more hidden credits that may apply to you.

• Seat Belts Save more than Lives – Requiring all passengers to fasten their seat belts could cut 10% or more off the personal injury premium cost.
• Memberships – Participating in qualifying clubs or civic groups is a simple method to lower premiums when shopping for car insurance.
• Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% for ATS Coupe coverage but check with your company.
• Driver’s Ed – Require your teen driver to sucessfully take a drivers education course as it will make them better drivers and lower rates.
• Defensive Driving Course – Taking time to complete a course teaching safe driver skills can save you 5% or more if your company offers it.
• Discounts for Responsible Drivers – Accident-free drivers may receive a discount up to 45% for ATS Coupe coverage compared to rates paid by drivers with frequent claims.
• Good Student Discount – Performing well in school may save as much as 25% on a insurance coverage quote. The discount lasts until age 25.
• Fewer Miles Equal More Savings – Low annual miles may enable drivers to earn lower rates due to less chance of an accident.
• Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase auto and life insurance together.
• No Claims – Drivers who don’t have accidents can save substantially as opposed to policyholders that have many claims.

You can save money using discounts, but most credits do not apply to the entire cost. Most cut the cost of specific coverages such as liability, collision or medical payments. Even though it appears having all the discounts means you get insurance for free, it just doesn’t work that way.

A few of the larger companies and some of their more popular discounts can be found below.

• Geico has discounts for driver training, anti-lock brakes, multi-vehicle, emergency military deployment, and daytime running lights.
• MetLife policyholders can earn discounts including good driver, claim-free, defensive driver, good student, multi-policy, and accident-free.
• State Farm may include discounts for good student, safe vehicle, Drive Safe & Save, student away at school, and accident-free.
• Progressive may have discounts that include continuous coverage, good student, online signing, online quote discount, multi-policy, multi-vehicle, and homeowner.
• Mercury Insurance may offer discounts for good student, location of vehicle, anti-theft, accident-free, and age of vehicle.
• 21st Century offers discounts including theft prevention, 55 and older, teen driver, air bags, and student driver.
• Allstate offers premium reductions for premier discount, safe driver, EZ pay plan discount, passive restraint, and defensive driver.

It’s a good idea to ask every insurance company which discounts they offer. Some discounts might not be offered in your area.

It’s not one size fits all

When it comes to choosing proper insurance coverage, there isn’t really a one size fits all plan. Everyone’s needs are different so your insurance should reflect that For instance, these questions can help discover if your situation may require specific advice.

• Is my custom paint covered by insurance?
• Are my friends covered when driving my 2018 Cadillac ATS Coupe?
• How can I force my company to pay a claim?
• Am I insured when driving a different vehicle?
• Am I covered if I wreck a rental car?
• When do I need to add a new car to my policy?
• Does my 2018 Cadillac ATS Coupe qualify for pleasure use?
• Which companies will insure high-risk drivers?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Coverage specifics

Understanding the coverages of your insurance policy helps when choosing the best coverages and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverage types offered by insurance companies.

Comprehensive coverages – This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as vandalism, rock chips in glass and damage from getting keyed. The most your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability insurance – Liability coverage can cover damage or injury you incur to a person or their property in an accident. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims like emergency aid, attorney fees, loss of income and legal defense fees. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Uninsured and underinsured coverage – This provides protection from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your 2018 Cadillac ATS Coupe.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision coverages – Collision insurance will pay to fix damage to your ATS Coupe caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like backing into a parked car, scraping a guard rail, damaging your car on a curb and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance kick in for immediate expenses for surgery, nursing services, ambulance fees and doctor visits. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

A fool and his money are soon parted

There are still a few companies who do not provide price quotes online smaller companies only sell through independent insurance agents. Cost effective 2018 Cadillac ATS Coupe insurance is attainable from both online companies in addition to local insurance agencies, and you should be comparing both so you have a total pricing picture.

We just presented many tips how you can lower your 2018 Cadillac ATS Coupe insurance premium rates. The key thing to remember is the more providers you compare, the better your chances of lowering your prices. Drivers may discover the lowest priced auto insurance comes from a small mutual company. They can often insure niche markets at a lower cost than the large multi-state companies such as Progressive or Geico.

More detailed auto insurance information is available at these sites:

• Eight Auto Insurance Myths (Insurance Information Insitute)
• Auto Insurance FAQ (Farmers Insurance)
• Collision Insurance Coverage (Nationwide)
• Airbag FAQ (iihs.org)
• Teen Driver Licensing Information (iihs.org)
• Auto Insurance Basics (Insurance Information Insitute)