Save on 2006 Cadillac CTS Insurance Quotes

Overpriced Cadillac CTS insurance can bottom out your checking account and force you to tighten up your finances. Doing a price comparison can be a smart way to lower your bills every month.

Drivers have multiple insurance companies to buy insurance from, and although it’s nice to be able to choose, more options can take longer to compare rates and find the lowest cost insurance coverage.

Learn how to buy insurance coverage at a discount

Lots of factors are used in the calculation when you get your auto insurance bill. Some are pretty understandable like your driving record, although some other factors are less obvious like your continuous coverage or how financially stable you are.Consumers need to have an understanding of some of the elements that aid in calculating the price you pay for insurance coverage. If you have some idea of what impacts premium levels, this enables informed choices that may reward you with cheaper rates.

  • Extra coverages are wasting money – There are a ton of extra bells and whistles you can purchase on your CTS policy. Insurance for things like personal injury protection, towing coverage, and motor club memberships are some examples. They may seem good at first, but your needs may have changed so consider taking them off your policy.
  • Marriage can save you money – Your spouse may earn you lower rates when shopping for insurance coverage. Marriage demonstrates that you tend to be more financially stable it has been statistically shown that drivers who are married file infrequent claims.
  • Reserve insurance claims for larger damages – Companies generally give cheaper rates to insureds who do not rely on their insurance for small claims. If you’re an insured who likes to file claims you can expect increased rates or even have your policy non-renewed. Your car insurance is intended for claims that you cannot pay yourself.
  • Does car insurance cost more for men? – Statistics demonstrate women are more cautious behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. Both genders are in at-fault accidents at about the same rate, but guys tend to have more serious accidents. In addition to higher claims, males also get more serious tickets like DUI and reckless driving. Youthful male drivers are the most expensive to insure and therefore have the most expensive insurance coverage rates.
  • Rural areas have lower costs – Choosing to live in less populated areas is a positive aspect when talking about insurance coverage. Drivers who live in large cities have more traffic problems and longer commutes to work. Lower population means fewer accidents and a lower car theft rate.
  • Increase physical damage deductibles to save – Comp and collision deductibles state the amount of money the insured will be required to pay before your insurance coverage pays a claim. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Examples of covered claims could be colliding with a stationary object, damage caused by hail, and damage from wind. The larger the amount you have to pay, the less your insurance coverage will be for CTS coverage.
  • Prevent coverage lapses – Having a lapse in insurance coverage can be a fast way to bump up your insurance coverage costs. Not only will you pay more, failure to provide proof of insurance might get you fines or a revoked license. You could then be forced to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Pleasure use saves money – Driving more miles annually the more you will pay for insurance coverage. The majority of insurers rate vehicles based on their usage. Cars that have low annual miles get more affordable rates than those that get driven frequently. Having the wrong rating on your CTS can result in significantly higher rates. Verify your insurance coverage coverage properly reflects the correct usage for each vehicle, because improper ratings can cost you money.

How to compare free auto insurance rate quotes

Most companies allow you to get prices direct online. Getting quotes is pretty easy because it’s just a matter of typing in your coverage information into the quote form. After you submit the form the company’s rating system automatically orders your driving and credit reports and returns a price quote based on these factors. Quoting online simplifies rate comparisons, but having to visit several different sites and type in the same information gets old quite quickly. But it’s very important to compare as many rates as possible if you are searching for better auto insurance pricing.

There is a better way to compare rates

A more efficient way to compare rates makes use of a single form that analyzes rates from a lot of companies. It saves time, eliminates form submissions, and makes online quotes much easier to do. Immediately after you send the form, your coverage is rated and you can select any one of the quotes that you receive.

If one or more price quotes are lower than your current rates, you simply finish the application and buy the new coverage. The entire process can be completed in a matter of minutes and you will know how your current rates stack up.

If you want to find out how much you’re overpaying now, click here and begin entering your coverage information. If you have coverage now, it’s recommended you enter deductibles and limits just like they are on your policy. Using the same limits helps guarantee you will be getting an apples-to-apples comparison for exact coverage.

Do you really save 40% when you switch?

Consumers can’t get away from ads for insurance savings from the likes of Progressive, Geico, Allstate and State Farm. They all seem to state the claim about savings just by moving to them.

How do they all have lower policy pricing? Just pay attention to how they say it.

Most companies have underwriting criteria for the type of customer that will add to their bottom line. For example, a preferred risk should be over the age of 35, has few claims, and drives less than 7,500 miles a year. Any person that fits those parameters will get very good premium rates and is almost guaranteed to save a lot of money.

People who fall outside these criteria will be charged higher premium rates and this results in the customer buying from a different company. The ad wording is “drivers who switch” not “everybody who quotes” can save as much as they claim. That’s the way insurance companies can confidently make it sound like they have such great prices.

This really illustrates why drivers should compare free auto insurance quotes often. Because you never know which company will have the lowest rates.

Car insurance discounts help reduce rates

Some insurers don’t necessarily list the complete list of policy discounts in a way that’s easy to find, so the below list has some of the best known as well as some of the hidden ways to save on car insurance.

  • Telematics Devices – People who choose to allow companies to monitor when and where they use their vehicle remotely like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates if they have good driving habits.
  • Switch and Save Discount – Some insurance companies reward drivers for buying a policy prior to your current policy expiration. It could save around 10% when you buy auto insurance online.
  • Waiver for an Accident – but a handful of insurance companies will forgive one accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
  • Passenger Safety Discount – Options like air bags or motorized seat belts may qualify for discounts of more than 20%.
  • Anti-lock Brake Discount – Cars and trucks that have anti-lock braking systems can stop better under adverse conditions and will save you 10% or more.
  • Low Mileage – Driving less could be rewarded with discounted prices on garaged vehicles.
  • No Claim Discounts – Claim-free drivers are rewarded with significantly better rates on auto insurance quote as compared to drivers with a long claim history.

A little note about advertised discounts, most discount credits are not given the the whole policy. Some only reduce individual premiums such as physical damage coverage or medical payments. Even though it appears all those discounts means the company will pay you, that’s just not realistic. Any qualifying discounts will definitely reduce the amount you have to pay.

To see a list of insurers who offer car insurance discounts, click this link.

Which is the best car insurance?

When it comes to choosing coverage for your personal vehicles, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions can aid in determining whether or not you would benefit from professional advice.

  • Should I sign the liability waiver when renting a car?
  • Will my rates increase for filing one claim?
  • Should I rate my 2006 Cadillac CTS as pleasure use or commute?
  • Should I buy additional glass protection?
  • Is my dog or cat covered if injured in an accident?
  • Am I covered when driving in Canada or Mexico?
  • Should I waive the damage coverage when renting a car?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

The coverage is in the details

Learning about specific coverages of car insurance can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. These are the usual coverages found on most car insurance policies.

Liability auto insurance

This coverage provides protection from damage that occurs to other people or property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability insurance covers things such as bail bonds, legal defense fees and court costs. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for uninsured or underinsured drivers

This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and damage to your Cadillac CTS.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Usually the UM/UIM limits are set the same as your liablity limits.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for expenses such as dental work, nursing services, surgery and doctor visits. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive car insurance

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like theft, falling objects, damage from a tornado or hurricane and a tree branch falling on your vehicle. The most a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Auto collision coverage

Collision insurance pays for damage to your CTS resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like damaging your car on a curb, sustaining damage from a pot hole and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Be a Smart Shopper

You just read many tips how you can reduce 2006 Cadillac CTS insurance car insurance rates online. It’s most important to understand that the more providers you compare, the better your comparison will be. You may be surprised to find that the most savings is with a small mutual company. They may have significantly lower premium rates on certain market segments than the large multi-state companies such as Allstate, Geico and Progressive.

Lower-priced insurance coverage is possible from both online companies and also from your neighborhood agents, so you need to shop auto insurance with both so you have a total pricing picture. There are still a few companies who do not offer online quoting and most of the time these small insurance companies provide coverage only through independent agents.

When trying to cut insurance costs, do not sacrifice coverage to reduce premiums. In too many instances, someone dropped comprehensive coverage or liability limits and discovered at claim time that they should have had better coverage. Your strategy should be to buy a smart amount of coverage at an affordable rate, but do not sacrifice coverage to save money.

Helpful information

Comments About 2006 Cadillac CTS Insurance

  1. Renita Vega

    I found pretty cheap rate quotes for a 2006 Cadillac CTS in Juneau, Alaska. Ended up at about $580 every six months with Auto-Owners. You can get a rate quote online.

  2. Wenona Torres

    I’m in Hilo, Hawaii, and GEICO rates were affordable. Not sure if rates are cheaper online or through an agent.

  3. Gertrude Huff

    Just a quick comment on my experience. I’m in the west part of Biloxi, MS. Went online for free insurance quotes for a 2006 Cadillac CTS. Ended up at about $210 savings annually. Went with 21st Century.

  4. Kallie Rodriguez

    I’m from Gaithersburg, MD. Not sure of all the companies but I ended up saving about $40 each month. My new agent seems to be really good.

  5. Bernard Dawson

    Here’s what I found out. I live south of Knoxville, Tennessee. Don’t remember every company but I ended up saving about $50 each month.

  6. Carolee Callahan

    Not sure if this is cheap. I live south of Cedar Rapids, IA. Compared rates from a lot of places. Saved darn near $40 a month. 21st Century was the cheapest for me. Left Mercury to switch. Got better coverage too. Are quotes cheaper online?

  7. Jeff Gill

    If you’re a decent driver and live around Warren, MI, check out 21st Century. You might save some money. Got better coverage too. Not sure if rates are cheaper online or not.

  8. Dorie Harvey

    Thanks for putting this site together. I’m from Cleveland, OH. Got car insurance rates from American Family, Sentry, and USAA for my 2006 Cadillac CTS and I think I saved around $70 each month. Was with Sentry.

  9. Carylon Chavez

    If you have a good history and live around Paterson, NJ, check out Progressive. I saved quite a bit. Was with Auto-Owners.

  10. Rosalia Nixon

    I’ve had Allstate for years. I’m in Norfolk, VA.