2012 Cadillac CTS Coupe Insurance Rates – 8 Discounts for Best Quotes

Do you get exhausted from not being able to afford to insure your Cadillac every month? You are no different than many other vehicle owners. Many auto insurance companies vie for your business, and it can be difficult to compare rates and get the definite best price available.

You need to do rate comparisons as often as possible because prices trend upward over time. If you had the best deal for CTS Coupe insurance six months ago the chances are good that you can find a lower premium rate today. Ignore everything you know about auto insurance because we’re going to show you how to use online quotes to properly buy coverages and cut your premium.

If you are insured now or are just looking to switch companies, you can follow these tips to cut your premiums while maximizing coverage. Choosing the best insurance company for you is not rocket science. Drivers just need to learn the proper way to get comparison quotes over the internet.

Reduce your auto insurance rates with these eight discounts

Auto insurance is not an enjoyable expense, but you may find discounts that can dramatically reduce your bill. A few discounts will be applied when you quote, but some discounts are required to be inquired about before being credited.

• Service Members Pay Less – Having an actively deployed family member may lower your prices slightly.
• Telematics Discount – People who choose to allow their company to spy on driving manner by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks if they exhibit good driving behavior.
• Accident Waiver – Not a discount per se, but some companies like Allstate and Geico will forgive one accident without raising rates so long as you haven’t had any claims prior to being involved in the accident.
• Early Renewal Discounts – A few auto insurance companies offer discounts for switching policies prior to the expiration date on your current policy. This discount can save up to 10%.
• Theft Prevention System – Cars that have factory anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.
• Cautious Driver Discount – Drivers without accidents can save up to 40% or more on their insurance quote for CTS Coupe insurance as compared to drivers with claims.
• New Car Discount – Adding a new car to your policy can save you some money because new vehicles are generally safer.
• Seat Belts Save more than Lives – Drivers who require all vehicle occupants to fasten their seat belts could cut 10% or more off the personal injury premium cost.

Policy discounts save money, but most discount credits are not given the the whole policy. Most cut the cost of specific coverages such as comp or med pay. Despite the appearance that having all the discounts means you get insurance for free, you’re out of luck.

A list of auto insurance companies and their possible discounts include:

• Geico policyholders can earn discounts including emergency military deployment, defensive driver, federal employee, driver training, and anti-lock brakes.
• SAFECO discounts include drive less, teen safe driver, accident prevention training, anti-lock brakes, bundle discounts, and multi-car.
• State Farm includes discounts for safe vehicle, accident-free, Drive Safe & Save, student away at school, good student, multiple policy, and anti-theft.
• MetLife may offer discounts for claim-free, good driver, accident-free, multi-policy, defensive driver, and good student.
• 21st Century may have discounts that include defensive driver, air bags, 55 and older, teen driver, anti-lock brakes, student driver, and homeowners.
• Progressive offers premium reductions for continuous coverage, good student, online signing, multi-policy, multi-vehicle, and homeowner.

If you need lower rates, check with each company or agent to give you their best rates. Discounts may not be offered in your state.

Cheapest car insurance quotes

Getting more affordable 2012 Cadillac CTS Coupe car insurance pricing can be surprisingly simple. All that’s required is to take a few minutes comparing rates to find. It’s really simple and can be done in several different ways.

• The easiest and least time consuming way to get the best comparison quotes is to use a rate comparison form click here to open form in new window. This style of form eliminates the need for separate quote forms to each individual car insurance company. One simple form gets you coverage quotes instantly.
• A different way to get quotes online is to manually visit each individual company website and go through the quote process again. For example, let’s assume you need rates from State Farm, Allstate and GMAC. In order to compare rates, you need to spend time going to each site individually and type in your information over and over, which is why first method is reommended.

  To view a list of companies in your area, click here.

Compare rates however you want, just double check that you are using the same deductibles and coverage limits for each price quote. If each company quotes different data you will not be able to decipher which rate is best.

You are unique and your car insurance should be too

When it comes to buying the best car insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions may help highlight if your insurance needs might need an agent’s assistance.

• Why am I required to get a high-risk car insurance policy?
• How much liability coverage do I need in my state?
• Does my personal policy cover me when driving out-of-state?
• What are the best liability limits?
• Is my 2012 Cadillac CTS Coupe covered for smoke damage?
• Will my vehicle be repaired with OEM or aftermarket parts?
• What discounts do I qualify for?
• Why do I need rental car insurance?
• What is the ISO rating for a 2012 Cadillac CTS Coupe?

If you don’t know the answers to these questions then you might want to talk to an agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Auto insurance 101

Understanding the coverages of insurance helps when choosing appropriate coverage 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 found on most insurance policies.

Comprehensive coverages – This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like fire damage, vandalism, rock chips in glass and hail damage. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverages – Collision insurance pays for damage to your CTS Coupe from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like rolling your car, sideswiping another vehicle, sustaining damage from a pot hole, colliding with another moving vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Coverage for medical payments – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for ambulance fees, rehabilitation expenses and prosthetic devices. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability insurance – This will cover damage that occurs to a person or their property. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers things such as court costs, pain and suffering, medical expenses and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

A penny saved is a penny earned

We covered a lot of ways to get a better price on 2012 Cadillac CTS Coupe insurance. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. You may even find the best price on car insurance is with the least-expected company. They can often insure niche markets at a lower cost than the large multi-state companies such as Allstate or State Farm.

Budget-friendly car insurance can be purchased on the web and with local insurance agents, so you should compare both in order to have the best price selection to choose from. Some car insurance companies may not provide internet price quotes and usually these regional insurance providers prefer to sell through independent agents.

Other learning opportunities

• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• What is Covered by GAP Insurance? (Allstate)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)