Coin collecting question?

There's no such thing as a coin with ingot. An ingot is a bar.

All circulation coins are an alloy of different metals. The only coins that are a solid single metal are bullion coins, either silver, gold or platinum. But even some coins made to be bullion are not solid. US Gold Eagles contain one Troy ounce of gold but weigh more than one Troy ounce; the rest is copper.

A clad coin is a coin with a solid core of one metal, to which is bonded layers of alloy. US dimes, quarters and half dollars have solid copper cores and clad layers of copper-nickel alloy. The gold-colored dollars have solid copper cores and manganese brass outer layers.

You will see these privately-minted hunks of junk sold on TV as rare collectables, falsely called gold or silver clad coins. First, they're not coins, they're private issue medallions, and second, they're not clad, they're plated. Plating is not the same thing as clad. They have pennies worth of gold or silver plating over pennies worth of base metal alloy, and they're sold for $10 and up in slick, misleading advertising.

"ingot"? I'm assuming you're referring to those coins which contain silver or some other precious metal. Bullion. Usually, 90% (such as 1964 and earlier US dimes, quarters, halves, and dollars). Clad coins contain a filler metal (such as zinc/copper alloy), and are coated (clad) in another metal...some silver, other, nickel.