Cheaper 2004 Cadillac CTS Insurance Quotes

Trying to find the cheapest insurance rates for your Cadillac CTS? Have you finally had enough of wondering where the money will come from to make your insurance payment? You’re in the same situation as many other consumers.

You have multiple car insurance companies to choose from, and even though it’s nice to have a choice, so many choices can make it hard to compare rates and cut insurance costs.

You need to get comparison quotes on a regular basis because insurance prices fluctuate regularly. If you had the best quotes on CTS insurance at your last renewal there is a good chance you can find better rates now. Block out anything you think you know about insurance because you’re about to learn one of the quickest ways to save money, get proper deductibles and limits, all at the lowest rate.

The quickest method to compare policy rates is to know most insurance companies provide online access to compare rate quotes. To get started, all you need to do is spend a couple of minutes providing details like if you went to college, any included safety features, whether or not you need a SR-22, and how much you drive. That information is instantly provided to all major companies and they provide comparison quotes very quickly.

If you wish to get multiple quotes for your 2004 Cadillac CTS now, click here and find out if you can get cheaper insurance.

Do you qualify for discounts?

Not many people think insurance is cheap, but you may find discounts that you may not know about. Some discounts apply automatically at the time of purchase, but once in a while a discount must be requested specifically prior to receiving the credit.

  • Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course in school or through a local driver safety program.
  • Multiple Cars – Buying a policy with multiple cars with one company can get a discount for every vehicle.
  • New Vehicle Savings – Putting insurance coverage on a new car can get you a discount because new model year vehicles are generally safer.
  • Multi-policy Discount – If you can bundle your auto and home insurance with one insurance company you could save approximately 10% to 15%.
  • Low Miles Discount – Fewer annual miles on your Cadillac can earn cheaper insurancerates.
  • Use Seat Belts – Using a seat belt and requiring all passengers to wear their seat belts could save 15% on the premium charged for medical payments and/or PIP.

We need to note that some credits don’t apply to the overall cost of the policy. Some only apply to specific coverage prices like comp or med pay. If you do the math and it seems like having all the discounts means you get insurance for free, it just doesn’t work that way.

The best insurance companies and their possible discounts are included below.

  • American Family may include discounts for good student, multi-vehicle, accident-free, TimeAway discount, mySafetyValet, Steer into Savings, and bundled insurance.
  • Farm Bureau discounts include renewal discount, youthful driver, multi-vehicle, driver training, multi-policy, and safe driver.
  • State Farm policyholders can earn discounts including accident-free, safe vehicle, Drive Safe & Save, multiple policy, and good student.
  • Travelers may have discounts that include home ownership, hybrid/electric vehicle, student away at school, continuous insurance, IntelliDrive, payment discounts, and multi-car.
  • The Hartford has discounts for anti-theft, air bag, vehicle fuel type, bundle, and good student.
  • Geico may offer discounts for good student, five-year accident-free, multi-vehicle, emergency military deployment, multi-policy, seat belt use, and membership and employees.
  • Progressive offers premium reductions for online signing, online quote discount, multi-vehicle, homeowner, good student, multi-policy, and continuous coverage.

If you are trying to find inexpensive insurance coverage quotes, ask every insurance company which discounts you may be entitled to. Savings might not apply in your state. For a list of insurance companies with significant discounts, click here to view.

Don’t assume everyone needs the same insurance coverage

When it comes to buying the best insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions may help you determine whether you might need an agent’s assistance.

  • Should I get collision insurance on every vehicle?
  • What is PIP insurance?
  • What is high-risk coverage and where do I buy it?
  • Can my teen drive my company car?
  • Where can I find DUI or SR-22 insurance?
  • Is business equipment covered while in my vehicle?
  • Why am I required to buy liability insurance?
  • Can I pay claims out-of-pocket if I buy high deductibles?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Car insurance 101

Understanding the coverages of car insurance can be of help when determining the right coverages for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring. Below you’ll find the normal coverages found on the average car insurance policy.

Collision coverages – This pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things such as driving through your garage door, hitting a mailbox and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like prosthetic devices, pain medications and dental work. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Cadillac CTS.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Auto liability – This provides protection from damage that occurs to other people or property. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability insurance covers things such as funeral expenses, repair bills for other people’s vehicles, structural damage, bail bonds and pain and suffering. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Comprehensive car insurance – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like fire damage, hitting a deer and damage from flooding. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Comments About 2004 Cadillac CTS Insurance

  1. Gayla Walters

    Does Nevada require a SR-22 after a DUI?

  2. Erika Alexander

    I’ve insured with Allstate for a long time. Pretty cheap in Allentown, Pennsylvania.

  3. Sharie Holloway

    If you don’t have tickets and live in the vicinity of San Jose, CA, check out Allstate. They seem to be cheaper. Can still barely afford it. My Cadillac doesn’t have full coverage.

  4. Catina Walter

    I live just to the east of Raleigh, NC. Received quotes with State Farm, American Family, and some I forget for my 2004 Cadillac CTS and saved about $110 a year.

  5. Ivan Reed

    Just a quick comment on my experience. From south side of Minneapolis, Minnesota. Quoted with Sentry, Farmers, Allstate, and Auto-Owners for my 2004 Cadillac CTS and saved around $80 a year. Was with Hartford. I have several vehicles insured with them. It never hurts to quote around. Next renewal I’ll just do liability.

  6. Rita Ballard

    Enjoyed the article. I’m from Salem, OR. I don’t recall every quote but I ended up saving about $20 each month. I have a teen driver too. I don’t have comp or collision coverage.

  7. Danuta Pacheco

    I can’t pay high rates. Checking in from Omaha, NE. Quoted with Auto-Owners, Erie, and Mercury for my CTS and saved just over $110 a year.

  8. Ming Callahan

    I’m from San Jose, CA. Went online for free insurance quotes for a 2004 Cadillac CTS. Ended up at about $120 savings annually. Went with 21st Century. Got better coverage too.