2006 Cadillac CTS-V Insurance Cost – 7 Ideas for Best Prices

Searching for cheaper car insurance rates for your Cadillac CTS-V? Locating cheaper insurance for a new or used Cadillac CTS-V can turn out to be difficult, but you can learn the following methods to make it easier. There are more efficient ways to find car insurance online so you’re going to learn the proper way to quote coverages on a Cadillac and locate the best price possible from both online companies and local agents.

Buying car insurance is easy if you know what you’re doing. If you have a policy now or need new coverage, you will benefit by learning to get lower rates while maintaining coverages. Drivers only need to know the tricks to shop their coverage around over the internet.

First Step: Get free auto insurance quotes

Cutting your auto insurance rates is surprisingly easy. You just need to spend a little time to get quotes from online providers. Price comparisons can be done by following the guidelines below.

  1. One of the fastest ways to find the lowest comparison rates is to use a rate comparison form click here to open form in new window. This quick form saves time by eliminating a different quote for each company you want a rate for. One simple form gets you price quotes from all major companies.It’s the quickest way to get rates.
  2. A different way to shop for auto insurance online requires you to visit the website for every company you want to comare to complete their respective quote request forms. For example, we’ll assume you want rates from USAA, Safeco and State Farm. You would be required to go to each individual site and repeatedly type in your coverage information, which is not fast way to get rate quotes.

    For a list of links to companies insuring cars in your area, click here.

However you get your quotes, make absolute certain that you use exactly the same quote data for every company. If the quotes have different values for each quote you will not be able to determine which company has the best rates.

Get lower rates with these seven discounts

Buying auto insurance is not cheap, but discounts can save money and there are some available to cut the cost considerably. A few discounts will automatically apply at the time you complete a quote, but some discounts are required to be requested specifically prior to getting the savings. If you are not receiving all the discounts you deserve, you are paying more than you should be.

  • Cautious Driver Discounts – Drivers who don’t get into accidents can save as much as half off their rates on CTS-V insurance as compared to drivers with claims.
  • Discount for New Cars – Buying a new car model can be considerably cheaper since new vehicles have better safety ratings.
  • Military Discounts – Being deployed with a military unit could be rewarded with lower auto insurance rates.
  • Good Student Discount – A discount for being a good student could provide a savings of up to 20% or more. The good student discount can last well after school through age 25.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
  • Senior Citizen Rates – If you’re over the age of 55, you may receive a small discount on rates on CTS-V insurance.
  • Auto/Life Discount – If the company offers life insurance, you could get a lower rate if you buy some life insurance in addition to your auto policy.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to all coverage premiums. Most only cut specific coverage prices like physical damage coverage or medical payments. So when the math indicates it’s possible to get free car insurance, it just doesn’t work that way.

To choose providers with discount rates, click this link.

What is the best auto insurance coverage?

When choosing proper insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Every insured’s situation is different.

These are some specific questions can aid in determining whether or not you may require specific advice.

  • Do I need rental car coverage?
  • Is my custom paint covered by insurance?
  • Should I carry comprehensive and collision coverage?
  • Does coverage extend to my business vehicle?
  • Does medical payments coverage apply to all occupants?
  • Do I need higher collision deductibles?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverages explained

Having a good grasp of your policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Comprehensive protection

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like rock chips in glass, theft and vandalism. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability car insurance

Liability insurance provides protection from damages or injuries you inflict on people or other property. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things like loss of income, medical expenses, repair costs for stationary objects and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

Collision insurance

This coverage covers damage to your CTS-V resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like hitting a mailbox, sideswiping another vehicle, colliding with a tree, driving through your garage door and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for bills like EMT expenses, chiropractic care, hospital visits and rehabilitation expenses. They are often utilized in addition to your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Comments About 2006 Cadillac CTS-V Insurance

  1. Marianne Yang

    I compared a lot of rate quotes for a 2006 Cadillac CTS-V in San Antonio, TX. Ended up at roughly $410 every six months with AAA.

  2. Mario Dixon

    Any 21st Century or Farmers customers near Lewiston, Maine?

  3. Cassi Gates

    I got decent rates for a 2006 Cadillac CTS-V in Parkersburg, WV. Ended up at right around $400 every six months with AAA. Hopefully won’t need it.

  4. Heriberto Singleton

    Thanks for putting this site together. I’m from Fairbanks, AK. Quoted rates from Auto-Owners, Erie, and MetLife for my CTS-V and saved just over $510 a year. Insured with Safeco before. They have a lot of discounts available.

  5. Darrell Tran

    Corporate greed I’m telling you. I’m just south of North Charleston, SC. Compared rates from a lot of places. Saved right around $50 a month. Allstate was the cheapest for me. I even had a DUI years ago.

  6. Niesha Burke

    If you have a good history and live near Memphis, Tennessee, check out GEICO. You might save some money.

  7. Khalilah Haley

    Like your site, BTW. Proud to be from Parkersburg, WV. Quoted with Amica, Sentry, and Travelers for my 2006 Cadillac CTS-V and saved $514 a year. They have a lot of discounts available. They have free quotes online.

  8. Charline Crane

    It all costs too much. I’m in the west part of Baltimore, MD. I quoted with GEICO, Esurance, and Liberty Mutual for my 2006 Cadillac CTS-V and saved about $300 a year. You can get a rate quote online.

  9. Germaine Clark

    If you have a clean record and live around Tulsa, OK, check out GEICO. You might get cheaper rates. Not sure if rates are cheaper online or through an agent.

  10. Joshua Mills

    How are claims handled by Allstate around Juneau, AK?

  11. Shirley Davenport

    Liked the article. From west side of Tampa, Florida. Received rates from 21st Century, Erie, and GMAC for my 2006 Cadillac CTS-V and saved just over $280 a year. I get multi-vehicle and multi-policy discounts. Online quotes are the way to go.

  12. Mirta Patterson

    I’ve bought from GEICO forever. Cheapest rates in Allentown, PA.

  13. Duncan Monroe

    Will Allstate raise rates after an accident?

  14. Barry Wells

    In San Antonio, TX, 21st Century auto insurance rates for my 2006 Cadillac CTS-V were good.