2007 Cadillac CTS Insurance Quotes

No one in their right mind looks forward to buying auto insurance, especially when it costs too dang much. Vehicle owners have so many insurers to choose from, and even though it’s nice to have multiple companies, having more car insurance companies makes it harder to compare rates and find the lowest cost auto insurance.

It’s smart to get comparison quotes quite often because insurance prices are constantly changing. Even if you think you had the best rate for CTS insurance at your last renewal you may be paying too much now. Forget anything you know (or think you know) about auto insurance because you’re going to learn the best methods to find better rates and still maintain coverage.

The quickest way to compare rate quotes is to realize all the major auto insurance companies pay for the opportunity to provide you with a free rate quote. All you need to do is give the companies some data such as if the car is leased, whether you drive to work or school, if you went to college, and if you are currently licensed. Those rating factors is instantly sent to multiple different insurance companies and you receive quotes instantly to find the best rate.

Do you qualify for discounts?

Companies offering auto insurance don’t always publicize all possible discounts very well, so here is a list both the well known and also the lesser-known credits that may apply to you.

• Driving Data Discount – Drivers who elect to allow their insurance company to monitor their driving habits by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive might see lower rates if they show good driving skills.
• Renewal Discounts – A few insurance companies offer discounts for switching companies prior to the expiration date on your current policy. You could save around 10% when you buy auto insurance online.
• Membership in Organizations – Being in qualifying employment or professional organizations may earn a discount on your bill.
• Passenger Safety Discount – Options like air bags or motorized seat belts may earn rate discounts of 25 to 30%.
• Student Discount for Driver Training – It’s a good idea to have your young drivers enroll in driver’s education in school.

Don’t be surprised that some of the credits will not apply to the entire cost. Some only reduce individual premiums such as liability and collision coverage. Despite the appearance that you can get free auto insurance, nobody gets a free ride. Any amount of discount will definitely reduce your overall bill.

The best insurance companies and a selection of discounts are detailed below.

• State Farm has savings for anti-theft, driver’s education, multiple policy, safe vehicle, good student, good driver, and accident-free.
• Geico includes discounts for federal employee, defensive driver, military active duty, anti-lock brakes, and seat belt use.
• Progressive policyholders can earn discounts including multi-policy, online signing, good student, online quote discount, multi-vehicle, and homeowner.
• 21st Century discounts include student driver, good student, air bags, defensive driver, driver training, and homeowners.
• American Family offers discounts for multi-vehicle, defensive driver, Steer into Savings, good driver, and air bags.
• The Hartford may have discounts that include driver training, vehicle fuel type, good student, anti-theft, bundle, air bag, and defensive driver.
• AAA offers discounts including anti-theft, multi-policy, multi-car, pay-in-full, good student, and good driver.

Before buying, ask every prospective company which discounts you may be entitled to. All car insurance discounts might not be offered on policies in your area.

Get cheaper car insurance with these tips

The best way to find cheaper car insurance is to take a look at a few of the rating criteria that are used to determine your car insurance rates. When you know what positively or negatively positively or negatively impacts your premiums, this enables you to make decisions that will entitle you to cheaper rates.

• Low deductibles can be expensive – Insurance for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your Cadillac. Examples of some claims that would be covered could be running into the backend of another car, damage from fire, or theft. Comprehensive and collision coverage deductibles represent how much money you are willing to pay if the claim is covered. The larger the amount you choose to pay out-of-pocket, the less your company will charge you for insurance for CTS insurance.
• Avoid policy lapses – Going without insurance can be a guaranteed way to increase your renewal premiums. And not only will your rates increase, the inability to provide proof of insurance might get you a fine, jail time, 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 motor vehicle department.
• Deter car thieves – Owning a car with anti-theft technology or alarm system can help bring down rates. Advanced theft deterrents such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop vehicle theft.
• Your employer and car insurance rates – Occupations like judgespolice officers and miners tend to pay the highest rates in part from high stress and lots of time spent away from family. Other jobs like farmers, students and homemakers generally pay rates lower than average for CTS insurance.
• If you don’t need it don’t buy it – There are a lot of add-on coverages that may not really be needed when buying car insurance. Coverages like vanishing deductibles, death and dismemberment, and motor club memberships are some examples. These coverages may sound good when talking to your agent, but if you don’t need them consider taking them off your policy.

Don’t assume everyone needs the same insurance coverage

When it comes to buying adequate coverage, there really is no perfect coverage plan. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions can help discover whether or not you would benefit from professional advice.

• Should I put collision coverage on all my vehicles?
• What are the best liability limits?
• Will I be non-renewed for getting a DUI or other conviction?
• How much liability insurance is required?
• What can I do if my company won’t pay a claim?
• Does my car insurance cover rental cars?
• Who is covered when they drive my 2007 Cadillac CTS?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Beware of misleading car insurance ads

Consumers can’t get away from ads for cheaper car insurance from companies such as State Farm and Allstate. They all seem to have a common claim that you can save just by switching to their company.

How does each company offer you a better deal? Just pay attention to how they say it.

Insurance companies give the best rates for the type of insured that will be a good risk. A good example of a profitable risk profile might have to be between the ages of 30 and 50, has a clean driving record, and has great credit. A driver who meets those qualifications receives the best auto insurance rates and will save if they switch.

Insureds who are not a match for those criteria will probably be forced to pay higher premiums and this can result in the driver buying from a lower-cost company. If you pay close attention to the ads, they say “people that switch” not “everyone who quotes” save money. That is how companies can truthfully make it sound like they have such great prices.

Each company has different criteria, so you should get price quotes at each policy renewal. Because without a comparison, you cannot know the company that will give you lower premium rates than your current company.

Specific coverage details

Having a good grasp of insurance can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types offered by insurance companies.

Liability auto insurance – Liability coverage can cover damage or injury you incur to a person or their property. This coverage protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things like loss of income, medical expenses and medical services. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

Comprehensive auto coverage – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as rock chips in glass, hail damage, damage from getting keyed, hitting a bird and damage from flooding. The most a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP kick in for immediate expenses for nursing services, rehabilitation expenses, prosthetic devices, surgery and pain medications. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and will also cover 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

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your Cadillac CTS.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Normally the UM/UIM limits are set the same as your liablity limits.

Collision coverage – This will pay to fix damage to your CTS caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as rolling your car, colliding with another moving vehicle, hitting a mailbox, backing into a parked car and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Quote often and quote early

We just showed you some good ideas how to save on 2007 Cadillac CTS insurance. The key thing to remember is the more rate quotes you have, the higher your chance of finding the cheapest auto insurance. You may be surprised to find that the lowest priced auto insurance comes from the least-expected company. Smaller companies can often provide lower premium rates in certain areas than their larger competitors like State Farm or Progressive.

Low-cost 2007 Cadillac CTS insurance is possible online as well as from independent agents, and you should be comparing both so you have a total pricing picture. Some insurance providers may not provide internet price quotes and usually these small, regional companies provide coverage only through independent agents.

Helpful articles

• Safe Vehicles for Teens (iihs.org)
• Alcohol Impaired Driving FAQ (iihs.org)
• Shopping for a Safe Car (Insurance Information Insitute)
• What to do at the Scene of an Accident (Insurance Information Insitute)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)