How Much Does 2017 Cadillac ATS Coupe Insurance Cost?

Looking for better car insurance rates for your Cadillac ATS Coupe? Trying to come up with a payment for high-priced car insurance can eat up your accounts and force you to tighten up your finances. Having so many different company options, it can be diffult for drivers to pick the right insurer.

How to buy car insurance online

Performing a rate comparison can be a daunting task if you don’t understand the most efficient way to do it. You can waste hours driving to insurance companies in your area, or you can utilize online quotes for quick rates.

Many popular insurance companies belong to a marketplace that enables customers to submit their information once, and each participating company returns a competitive quote determined by their information. This saves time by eliminating quote requests to every company.

To enter your information into the quoting system, click here to open in new window.

The one disadvantage to pricing coverage this way is that you can’t choose which companies you will receive quotes from. If you would rather choose from a list of companies for rate comparison, we have assembled a list of companies who write car insurance in your area. Click to view list.

It’s up to you which method you use, but make sure you compare nearly identical quote data for each quote you get. If you are comparing unequal deductibles or liability limits it will be very difficult to find the best deal for your Cadillac ATS Coupe.

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Save $444 a year! What?

Drivers can’t ignore all the ads for car insurance savings from the likes of State Farm and Allstate. They all make an identical promise about how much you will save if you move your car insurance coverage to their company.

Is it even possible that every company can offer you a better deal? It’s all in the wording.

Car insurance companies have a certain “appetite” for the driver that earns them a profit. For instance, a desirable insured could be between the ages of 30 and 45, carries high limits, and drives less than 10,000 miles a year. Any person that hits that “sweet spot” will get the preferred auto insurance rates and therefore will cut their rates substantially.

Drivers who don’t meet these standards will be charged higher premiums and ends up with the customer not purchasing. If you listen to the ad wording, they say “people that switch” not “everyone who quotes” can save as much as they claim. This is how companies can advertise the way they do.

This really drives home the point why drivers should quote coverage with many companies. It is impossible to guess the company that will give you the biggest savings.

Get affordable car insurance quotes with discounts

Some companies don’t necessarily list every available discount in a way that’s easy to find, so here is a list some of the best known and the harder-to-find car insurance savings.

• Student Driver Training – It’s a good idea to have your young drivers complete a driver education course if offered at their school.
• Active Military Service – Being on active deployment in the military could qualify you for better prices.
• Anti-theft System – Anti-theft and alarm system equipped vehicles are stolen less frequently and qualify for as much as a 10% discount.
• Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying monthly you may have a lower total premium amount.
• Membership in Organizations – Belonging to a professional or civic organization is a good way to get lower rates on your policy.
• No Claims – Insureds who avoid accidents and claims can save substantially as opposed to insureds who have frequent claims or accidents.
• Federal Government Employee – Active or former government employment could qualify for a slight premium decrease on ATS Coupe coverage but check with your company.
• Multi-policy Discount – If you insure your home and vehicles and insure them with the same company you could save as much as 10 to 15 percent.
• Smart Student Discounts – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
• 55 and Retired – If you qualify as a senior citizen, you may be able to get a slight reduction on a car insurance quote on ATS Coupe coverage.

Don’t be shocked that some credits don’t apply to your bottom line cost. Some only reduce individual premiums such as comprehensive or collision. Just because you may think having all the discounts means you get insurance for free, it’s just not the way it works. Any qualifying discounts will cut the premium cost.

Insurance companies that may offer these benefits are:

• State Farm
• Geico
• Liberty Mutual
• The Hartford
• MetLife
• Progressive

Before purchasing a policy, check with every company how you can save money. A few discounts may not apply in your area.

Tailor your car insurance coverage to you

When it comes to buying the best car insurance coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions might help in determining if your situation could use an agent’s help.

• Should I drop comprehensive coverage on older vehicles?
• Do I benefit by insuring my home with the same company?
• Do I have coverage for damage caused while driving under the influence?
• Is my ex-spouse still covered by my policy?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• What is the minimum liability in my state?
• Is my 2017 Cadillac ATS Coupe covered for smoke damage?
• Do I have any recourse if my insurance company denies a claim?
• Where can I find high-risk insurance?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

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Insurance policy specifics

Knowing the specifics of your insurance policy helps when choosing appropriate coverage for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on most insurance policies.

Liability auto insurance

Liability insurance will cover damage or injury you incur to other’s property or people. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims such as bail bonds, court costs and structural damage. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Collision insurance

Collision coverage pays for damage to your ATS Coupe 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 coverage protects against things such as sideswiping another vehicle, sustaining damage from a pot hole, colliding with a tree, hitting a mailbox and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

Comprehensive protection

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like a broken windshield, hail damage, theft and damage from a tornado or hurricane. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like nursing services, ambulance fees, prosthetic devices, hospital visits and surgery. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover you and your occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured or underinsured coverage

This provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Usually these coverages are set the same as your liablity limits.

Buy online or local, you save

As you quote car insurance, it’s very important that you do not reduce needed coverages to save money. Too many times, someone sacrificed uninsured motorist or liability limits only to regret they didn’t purchase enough coverage. Your focus should be to buy the best coverage you can find for the lowest cost while still protecting your assets.

Low-cost 2017 Cadillac ATS Coupe insurance is definitely available on the web and with local insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance companies do not provide online quoting and usually these smaller companies work with independent agencies.

More learning opportunities

• Booster Seat Ratings (iihs.org)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Understanding Car Crashes Video (iihs.org)
• Medical Payments Coverage (Liberty Mutual)
• Event Data Recorders FAQ (iihs.org)

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