2003 Cadillac CTS Car Insurance Quotes

Paying for high-priced Cadillac CTS insurance can drain your bank account and make it hard to pay other bills. Price shopping at each renewal is an excellent way to make sure you’re not throwing money away.

Since people have many online and local companies to choose from, it is very difficult to find the most cost effective insurer.

Buying car insurance is quite easy. If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using this information. Consumers only need an understanding of the proper way to get comparison rates online.

Get cheap insurance costs by understanding these factors

A large part of saving on insurance coverage is knowing some of the factors that play a part in calculating your policy premiums. When you understand what determines premiums, this allows you to make educated decisions that can earn you lower premium levels.

• Single vs. married – Walking down the aisle actually saves money on insurance coverage. Having a significant other demonstrates that you tend to be more mature and it’s statistically proven that married drivers tend to file fewer claims.
• File a insurance coverage claims and pay more – If you file a lot of claims don’t be surprised to see higher premiums or even policy non-renewal. Auto insurance companies give most affordable rates to policyholders that do not abuse their auto insurance. Insurance coverage is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
• Car insurance liability insurance limits – Your policy’s liability coverage kicks in if a court rules you are at fault for causing damage or personal injury in an accident. It will provide legal defense to defend your case. It is affordable coverage compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.
• Do males or females drive better? – Over the last 50 years, statistics have shown that females tend to be a little less risky than males. It does not mean women are better drivers. Females and males have at-fault accidents in similar percentages, but the men cause more damage and cost insurance companies more money. Not only that, but men also get ticketed for serious violations like DWI (DUI) or reckless driving.

How to get affordable auto insurance

There are a variety of methods you can shop for auto insurance and some are less labor-intensive and much quicker. You can waste a lot of time talking to insurance agencies in your area, or you could use the web to maximize your effort.

Most of the larger companies take part in a program where insurance shoppers submit their information once, and at least one company provides a quote based on that information. This eliminates the need for quote forms for each company. To enter your information into the quoting system, click here to start a free quote.

One minor caviat to using this type of form is buyers cannot specifically choose which providers to receive prices from. So if you want to select individual companies to compare, we have a listing of low cost auto insurance companies in your area. Click here to view list.

It’s your choice how you get your quotes, but make sure you use the exact same quote data on every quote. If you use differing limits it will be nearly impossible to decipher which rate is best.

Find discounts on auto insurance

Auto insurance is easily one of your largest bills, but you might find some hidden discounts that you may not know about. Most are applied when you get a quote, but less common discounts must be manually applied in order for you to get them.

• Accident Forgiveness Coverage – This one isn’t a discount, but some insurance companies will turn a blind eye to one accident before raising your premiums with the catch being you have to be claim-free before the accident.
• Government Employee Discount – Active or former government employment could provide a small rate reduction on CTS coverage but check with your company.
• Save over 55 – If you’re over the age of 55, you may receive a small discount on rates on CTS coverage.
• Air Bags and Passive Restraints – Factory options such as air bags may qualify for discounts of 20 to 30 percent.
• Home Ownership Discount – Just owning your own home can help you save on auto insurance because it is proof that your finances are in order.
• Accident Free – Insureds with no claims or accidents get the best auto insurance rates when compared with accident-prone drivers.

It’s important to note that some of the credits will not apply to the entire policy premium. Some only reduce specific coverage prices like comprehensive or collision. Even though it appears having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

Some of the larger companies that may offer these benefits include:

• 21st Century
• Progressive
• State Farm
• Nationwide
• Esurance
• The Hartford

Before purchasing a policy, check with all the companies which discounts you may be entitled to. Discounts may not apply in every state.

Tailor your insurance coverage coverage to you

When buying the right insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Every insured’s situation is different and your policy should reflect that. These are some specific questions may help highlight whether your personal situation might need an agent’s assistance.

• How high should my medical payments coverage be?
• Can I afford to buy a different vehicle if my 2003 Cadillac CTS is totaled?
• Do I pay less for low miles?
• Am I covered when driving someone else’s vehicle?
• Is there coverage for injuries to my pets?
• Am I covered by my spouse’s policy after a separation?
• What is roadside assistance coverage?
• Am I missing any policy discounts?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area. It is quick, free and can help protect your family.

Insurance coverage options for a Cadillac CTS

Knowing the specifics of a insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Shown next are the usual coverages available from insurance companies.

Insurance for medical payments – Med pay and PIP coverage pay for short-term medical expenses for things like dental work, pain medications, prosthetic devices and nursing services. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision) – This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hail damage, damage from flooding and falling objects. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as sideswiping another vehicle, scraping a guard rail, hitting a mailbox, colliding with a tree and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.

Liability coverages – This provides protection from damages or injuries you inflict on other people or property that is your fault. This coverage protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things like structural damage, medical expenses, medical services, loss of income and emergency aid. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance – This provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Cadillac CTS.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Shop. Compare. Save.

There are still a few companies who may not offer price quotes online small, regional companies prefer to sell through independent insurance agencies. Cheaper car insurance can be sourced both online in addition to local insurance agencies, and you should compare price quotes from both in order to have the best price selection to choose from.

As you go through the steps to switch your coverage, never buy less coverage just to save a little money. In many instances, an accident victim reduced comprehensive coverage or liability limits only to regret at claim time that it was a big error on their part. The goal is to get the best coverage possible at an affordable rate but still have enough coverage for asset protection.

For more information, feel free to browse the following helpful articles:

• State Laws for Cellphones and Texting (iihs.org)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Alcohol Impaired Driving FAQ (iihs.org)
• Car Insurance: When not to Skimp (BankRate.com)
• Help Your Teen Be a Better Driver (State Farm)