Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Jul 14, 2021

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All over Europe, consumers drive tiny cars that are designed to work in an environment of narrow, congested streets. North American manufacturers, especially those of luxury cars, have long been known for building land yachts. Less is more in European cities.

If gas prices keep escalating the way they are, the Empress of the Sea is not going to be sailing for too much longer.

The folks at Cadillac have done wonders reinventing their brand over the past decade or so, shrinking their product and building visually edgy, performance-oriented machines. Looking to the future, they are playing around with something completely new for the brand: a very small car. But does it perform?

Designated the Urban Luxury Concept, the ULC applies the sharp creases and edges that Caddy has become known for to a platform that is closer in size to the microcars the Europeans are used to.

The upright box shape allows for proper seating for 4. The proposed powertrain is a gas-electric hybrid concept that uses a turbocharged 1.0L 3 cylinder gasoline engine coupled with electric assist technology, engine start-stop function, brake energy regeneration, and a dry dual-clutch transmission. They are proposing that this concept could conceivably achieve 56 mpg in the city and 65 mpg on the highway.

While the look may be a bit too George Jetson for some, I think the shape looks pretty cool. There is certainly nothing else out on the road that looks like it!

What Will Insurance Look Like on The New Cadillac?

Auto insurance premiums on cars combine a wide range of factors. When narrowed down to the car, insurance companies look at replacement cost and retail value at the time of the policy. An expensive car doesn’t always translate into higher auto insurance prices. Insurers also look at the safety ratings and durability of a car in an accident. They’re looking at all possible costs in the event of an accident.

The information on crash test ratings and even pricing are limited. So it’s hard to know what to compare this concept car to in rates. Only time will tell what we can expect from the Cadillac ULC concept in this compact car.

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