Car Insurance Quotes for Cadillac ATS

Did you know that the Cadillac ATS, introduced in 2012, was the first Cadillac model to showcase the iconic shield grille design? This compact luxury sedan offers a lightweight architecture for improved performance and handling, setting a new aesthetic standard for the brand.

Ensuring your Cadillac ATS is protected with auto insurance is essential. On average, liability insurance for this model costs around $80 per month, while full coverage insurance typically runs at approximately $198 monthly.

Seeking the best insurance deals for your Cadillac? Freeway Insurance specializes in finding cost-effective solutions and discounts, catering to drivers with varying circumstances, including tickets and DUIs. Keep reading to uncover how to rev up your savings!

There’s a variety of auto insurance options to choose from for your Cadillac sedan. You can opt for a complete plan, which includes collision insurance or comprehensive protection, or simply go for liability coverage.

You can also add optional car coverages, such as rental auto reimbursement or having maximum roadside assistance as a member of the Freeway Auto Club. All the protections you invest in will directly impact the total cost of your policy.

Full Coverage

With a full car coverage policy, you’re getting the whole package – that means coverage for liability, collision, and comprehensive protection. Liability takes care of expenses if you damage someone else’s property or cause injury in an accident, collision covers your vehicle repairs in the event of a crash, and comprehensive provides protection for situations like theft or weather damage.

For a Cadillac ATS, expect to pay around $198 a month for full coverage, but the added peace of mind knowing you’re covered in various situations is definitely worth it.

State Minimum Liability

Opting for a minimum liability plan means you’re meeting your state’s auto insurance requirements. For example, in Texas, you’ll need at least $30,000 for bodily injury or death of one person, $60,000 for multiple individuals, and $25,000 for property damage when at fault in an accident.

This basic coverage typically costs about $80 for a Cadillac ATS, but it’s important to note that the cost of property damage from a single accident could exceed the basic coverage. If that happens, you would have to cover the remaining amount out of your own pocket, so it’s worth considering more than just the bare minimum.

Calculating your insurance rates involves considering a variety of factors. Let’s break down some key elements that can influence how much you pay for coverage:

Your Age

Your age can have a significant impact on your premiums. If you’re under 30 and in need of car coverage for young drivers, you might face higher rates due to less driving experience. On the flip side, drivers in their 50s enjoy the best rates, while those in their 60s may see an increase in prices again as they are perceived as risky behind the wheel due to the natural decline in driving skills.

Vehicle Age

Generally, newer cars are the most expensive to insure. However, since the Cadillac ATS has been in circulation for over 10 years, the rule is reversed, and the models that are most expensive to protect are those that are more than 8 years old, as their repair becomes increasingly complicated if needed.

Insurance Claims Record

Past insurance claims history is a big player in determining what you’ll pay for coverage. A clean record with no accidents or claims can lead to lower prices, as carriers see it as a sign of safe driving habits.

If you get busted driving under the influence, your insurance rates could skyrocket. Your carrier might flag you as a high-risk driver, which might mean you have to pay more for a policy and deal with the hassle of getting an SR-22 certificate.

Note: Keep in mind that any ticket or accident on your driving record will bump up your insurance costs. For a Cadillac ATS, it’s estimated that the average monthly cost for a typical driver with one ticket or accident is around $115-135.

There are various auto insurance discounts available to help you get affordable coverage, even if you drive a fancy car. For example, bundling your vehicle protection and homeowners insurance with the same provider can lead to a discount for having multiple policies.

Other discounts you could qualify for include: