How Much Does 2015 Cadillac ATS Coupe Insurance Cost?

Searching for the cheapest insurance rates for your Cadillac ATS Coupe? Are you burned out from sacrificing other expenses to keep your car insured? You are no different than many other consumers. Online insurance companies like Progressive, GEICO and Farmers Insurance continually bombard you with ads and it can be hard to ignore the flashy ads and take the time to shop coverage around.

You should take the time to do price comparisons before your policy renews since insurance prices are usually higher with each renewal. If you had the lowest rate on ATS Coupe insurance last year a different company probably has better premium rates today. There is a lot of bad information regarding insurance online but you can learn some of the best techniques to lower your insurance rates.

If you have a policy now or are just looking to switch companies, you can use these tips to get lower rates and still get good coverage. Finding the best rates is not rocket science. Drivers just need to learn how to compare rates on the web.

Insurance premiums are influenced by these factors

A large part of saving on car insurance is knowing the factors that come into play when calculating the rates you pay for car insurance. When consumers understand what positively or negatively impacts your premiums, this allows you to make educated decisions that can earn you big savings. Many different elements are considered when premium rates are determined. A few of the factors are predictable such as traffic violations, but others are more transparent such as your marital status or your vehicle rating.

Are males or females drivers cheaper? – 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 than men. Males and females cause at-fault accidents in similar percentages, but males have costlier accidents. Men also statistically receive more major tickets such as DWI and reckless driving.
Single vs. married – Having a spouse actually saves money on your car insurance policy. Marriage translates into being more mature and responsible and insurance companies reward insureds because married couples file fewer claims.
Lower rates by increasing physical damage deductibles – Comprehensive and collision coverage deductibles state the amount of money you are required to spend out-of-pocket if you file a covered claim. Physical damage insurance, also called ‘full coverage’, is used to repair damage to your car. A few examples of covered claims are colliding with a stationary object, damage caused by hail, and having a roll-over accident. The larger the amount you have to pay, the less your company will charge you for insurance on ATS Coupe insurance.
Save miles driven and save money – The higher the miles on your Cadillac in a year the more it will cost to insure it. Most insurance companies calculate rates based upon how the vehicle is primarily used. Cars used primarily for pleasure use cost less to insure than cars that get driven a lot. An improperly rated ATS Coupe is just wasting money. It’s a smart idea to ensure your policy is showing the proper vehicle usage, because improper ratings can cost you money.
Rates can drop if you have more than one policy – The majority of companies afford discounts to buyers who consolidate policies with them such as combining an auto and homeowners policy. Even with this discount, you still need to compare other insurance prices to ensure the best deal.There is a chance you can find lower rates by buying car insurance from a different company.
Amount of liability coverage – Liability insurance kicks in if you are ruled to be at fault for physical damage or personal injury to other. Your policy’s liability insurance provides for a legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not skimp.
Tickets and citations cost more than a fine – Even one ticket can boost insurance rates substantially. Careful drivers pay less for auto insurance than bad drivers. Drivers with severe tickets like reckless driving or DUI may find they need to file a proof of financial responsibility form (SR-22) with their state’s licensing department in order to legally drive a vehicle.
that lower car insurance rates – Buying a car that has an advanced theft prevention system can save you some money. Systems that thwart theives such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent vehicle theft.

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Auto insurance companies offer many discounts

Insuring your vehicles can cost a lot, but you might be missing out on some discounts that you may not even know about. Some discounts apply automatically at quote time, but once in a while a discount must be specially asked for in order for you to get them.

Renewal Discounts – A few auto insurance companies allow discounts for switching policies prior to your current policy expiring. It’s a savings of about 10%.
Theft Deterent – Anti-theft and alarm system equipped vehicles help deter theft and earn discounts up to 10% off your insurance quote.
Driver Safety – Passing a course that instructs on driving safety may get you a small discount depending on where you live.
Distant Student – College-age children who are attending college without a vehicle on campus could get you a discount.
Drive Less and Save – Keeping the miles down on your Cadillac can qualify you for lower prices on the low mileage vehicles.
Online Discount – Many larger companies will provide an incentive get insurance digitally online.
Multiple Cars – Insuring several vehicles on one policy can get a discount for every vehicle.
Savings for New Vehicles – Buying a new car model is cheaper due to better safety requirements for newer vehicles.

Discounts lower rates, but most of the big mark downs will not be given to the overall cost of the policy. Most only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like all those discounts means the company will pay you, nobody gets a free ride.

Larger auto insurance companies and their possible discounts can be found below.

Progressive may include discounts for multi-policy, continuous coverage, homeowner, online signing, online quote discount, and good student.
MetLife has discounts for good student, defensive driver, accident-free, claim-free, good driver, multi-policy
Mercury Insurance offers discounts including anti-theft, multi-car, location of vehicle, annual mileage, multi-policy, and low natural disaster claims.
Nationwide has savings for accident-free, multi-policy, business or organization, family plan, good student, Farm Bureau membership, and defensive driving.
GEICO includes discounts for anti-lock brakes, good student, federal employee, air bags, seat belt use, driver training, and daytime running lights.
AAA discounts include education and occupation, multi-policy, anti-theft, pay-in-full, multi-car, and good student.

Before purchasing a policy, check with each company or agent to give you their best rates. Some discounts may not be offered in your area.

Do I just need basic coverages?

When choosing coverage, there isn’t really a one size fits all plan. Every situation is different so your insurance needs to address that. For instance, these questions may help you determine whether your personal situation will benefit from professional help.

Do I benefit by insuring my home with the same company?
Does my liability insurance cover pulling a trailer or camper?
Why does it cost so much to insure a teen driver?
Why am I required to buy liability insurance?
What is UM/UIM insurance?
Does my insurance cover a custom paint job?
Do I have newly-aquired coverage?
Where can I find high-risk insurance?
Am I covered when driving in Canada or Mexico?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Specific coverages for a 2015 Cadillac ATS Coupe

Learning about specific coverages of car insurance can help you determine the right coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages available from car insurance companies.

Liability car insurance

This coverage protects you from injuries or damage you cause to other’s property or people. It protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage pays for things like court costs, attorney fees, legal defense fees and repair bills for other people’s vehicles. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family and damage to your Cadillac ATS Coupe.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these limits do not exceed the liability coverage limits.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hitting a bird, damage from getting keyed and theft. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto collision coverage

Collision coverage will pay to fix damage to your ATS Coupe resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as driving through your garage door, hitting a parking meter, sustaining damage from a pot hole, crashing into a building and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as rehabilitation expenses, chiropractic care, surgery, funeral costs and doctor visits. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Be a penny pincher

We’ve covered many ways to get a better price on 2015 Cadillac ATS Coupe insurance. It’s most important to understand that the more companies you get prices for, the better your chances of lowering your prices. You may be surprised to find that the best price on insurance coverage is with the least-expected company. Some small companies can often insure niche markets at a lower cost compared to the large companies like Progressive and GEICO.

Some insurance providers don’t offer the ability to get a quote online regional insurance providers sell through independent insurance agents. Cheaper insurance coverage can be found from both online companies and with local insurance agents, so you should be comparing quotes from both to have the best selection.

Much more information about insurance coverage can be read at these links: