2012 Cadillac CTS Wagon Insurance Rates – 8 Tips for Cheapest Quotes

Drivers have a choice when trying to find the lowest priced Cadillac CTS Wagon insurance. They can either spend hours driving around trying to get quotes or use the internet to find the lowest rates. There is a right way and a wrong way to find car insurance online and you need to know the absolute fastest way to get price quotes for your Cadillac and find the lowest price.

You should make it a habit to price shop coverage as often as possible because car insurance prices are adjusted regularly by insurance companies. Just because you had the best deal on CTS Wagon coverage six months ago you can probably find a better rate quote now. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to one of the best ways to find the best coverage while lowering your premiums.

Finding the best rates is not rocket science. If you have car insurance now, you will most likely be able to save some money using these techniques. Consumers only need to know the proper way to compare company rates online.

Compare car insurance quotes online

Getting a cheaper price on 2012 Cadillac CTS Wagon insurance isn’t really that difficult. All you need to do is take a few minutes to compare free auto insurance quotes provided by online insurance companies. This can easily be done in several different ways.

The most recommended method to find the lowest comparison rates would be an industry-wide quote request form click here to open form in new window. This style of form saves time by eliminating boring form submissions for every prospective company. One simple form compares rates from all major companies. This is perfect if you don’t have a lot of time.

A more difficult way to obtain and compare quotes online consists of going to each company’s website to complete a price quote. For instance, we’ll assume you want rates from State Farm, Geico and Progressive. You would need to visit each site to input your insurance information, which can get rather old.

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

Even if you have time, the least recommended method to comparison shop is going to local insurance agencies. The ability to get quotes online eliminates this option unless you’re the type of person who wants the extra assistance of an agent trained in personal lines coverage. However, consumers can find lower rates online and get advice from an agent in your area.

How you compare quotes is your choice, just try to keep apples-to-apples coverage data for each comparison quote. If you enter different deductibles it will be impossible to make an equal comparison.

Insurance discounts help reduce rates

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that could drop your premiums quite a bit. Larger premium reductions will be automatically applied at the time of quoting, but some must be requested specifically before you get the savings.

  • Sign Online – A few larger companies may give you up to $50 for completing your application on the internet.
  • Sign Early and Save – A few companies give discounts for buying a new policy prior to the expiration date on your current policy. The savings is around 10%.
  • Discounts for Safe Drivers – Insureds without accidents can pay as much as 50% less on CTS Wagon coverage than less cautious drivers.
  • Telematics Discount – Policyholders that allow their insurance company to track driving patterns through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease if they are good drivers.
  • Fewer Miles Equal More Savings – Driving less could be rewarded with lower rates on the low mileage vehicles.
  • No Charge for an Accident – This one isn’t a discount, but companies like Geico, Allstate and Liberty Mutual allow you one accident before your rates go up so long as you are claim-free before the accident.
  • No Claims – Drivers who stay claim-free get the best insurance rates when compared with policyholders that have many claims.
  • Multi-Vehicle Discounts – Buying insurance for several vehicles on the same insurance policy could earn a price break for each car.

As a sidenote, some of the credits will not apply to the overall cost of the policy. Some only apply to individual premiums such as physical damage coverage or medical payments. Even though it appears you can get free auto insurance, insurance companies aren’t that generous.

Popular insurance companies and a selection of discounts include:

  • Geico policyholders can earn discounts including driver training, military active duty, daytime running lights, air bags, defensive driver, five-year accident-free, and multi-vehicle.
  • Travelers offers premium reductions for good student, new car, continuous insurance, early quote, and student away at school.
  • Nationwide may have discounts that include multi-policy, easy pay, anti-theft, accident-free, defensive driving, business or organization, and family plan.
  • Farmers Insurance offers discounts including multi-car, pay in full, youthful driver, business and professional, mature driver, electronic funds transfer, and good student.
  • Esurance discounts include Pac-12 alumni, Switch & Save, anti-lock brakes, renters, online shopper, and DriveSense.
  • State Farm may include discounts for good driver, Steer Clear safe driver discount, driver’s education, safe vehicle, and good student.
  • Progressive may offer discounts for multi-policy, online signing, continuous coverage, multi-vehicle, and good student.
  • Mercury Insurance has savings for ease of repair, professional/association, low natural disaster claims, multi-car, and age of vehicle.

If you want low cost auto insurance quotes, ask all companies you are considering how many discounts you can get. Some discounts listed above may not apply to policies in your area. To locate companies with discount insurance rates, follow this link.

Which is the best insurance?

When it comes to buying coverage for your personal vehicles, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s.

For example, these questions can aid in determining if you might need an agent’s assistance.

  • Are my friends covered when driving my 2012 Cadillac CTS Wagon?
  • Do I pay less if my vehicle is kept in my garage?
  • Will filing a claim cost me more?
  • How can I find cheaper teen driver insurance?
  • What can I do if my company denied a claim?
  • Does my policy pay for OEM or aftermarket parts?
  • Am I covered if I hit my neighbor’s mailbox?
  • Should I sign the liability waiver when renting a car?
  • Am I missing any policy discounts?
  • I have a DUI can I still get coverage?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form. It’s fast, free and can provide invaluable advice.

Detailed coverages of your insurance policy

Having a good grasp of insurance aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Comprehensive coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as vandalism, damage from getting keyed and rock chips in glass. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and also any damage incurred to your Cadillac CTS Wagon.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Collision coverage protection

Collision coverage will pay to fix damage to your CTS Wagon resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as crashing into a ditch, backing into a parked car, rolling your car, colliding with a tree and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Auto liability insurance

Liability insurance protects you from damage that occurs to a person or their property in an accident. It protects YOU from claims by other people, and does not provide coverage for 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. You might see limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability can pay for claims like repair costs for stationary objects, emergency aid, bail bonds, funeral expenses and medical services. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as dental work, surgery, ambulance fees and hospital visits. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. It covers you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

A penny saved is a penny earned

When buying insurance coverage, it’s a bad idea to reduce needed coverages to save money. There are a lot of situations where an insured cut uninsured motorist or liability limits and discovered at claim time that the small savings ended up costing them much more. Your aim should be to purchase a proper amount of coverage at the best cost, but do not sacrifice coverage to save money.

In this article, we covered many ways to compare 2012 Cadillac CTS Wagon insurance prices online. The key thing to remember is the more times you quote, the better chance you’ll have of finding inexpensive auto insurance. Drivers may discover the biggest savings come from the least-expected company.

Insureds switch companies for many reasons like delays in responding to claim requests, not issuing a premium refund, being labeled a high risk driver or policy cancellation. It doesn’t matter what your reason, choosing a new company is pretty easy and you might even save some money in the process.

For more information, take a look at the following helpful articles:

Comments About 2012 Cadillac CTS Wagon Insurance

  1. Annalisa Salazar

    Will State Farm do a SR22 in Georgia?

  2. Wanetta Cross

    If you don’t have tickets and live near Biloxi, MS, check out Allstate. You might get cheaper rates. :P

  3. Lashonda Hensley

    It’s all a rip off. I live in Kansas City, MO. Quoted with Progressive, American Family, and Encompass for my Cadillac and cut my rates about $410 a year. Still almost need a second mortgage.

  4. Ai Reese

    Good detail in your article. I’m in Indianapolis, Indiana. I got free rates from Mercury, Esurance, GEICO, and Amica for my 2012 Cadillac CTS Wagon and saved just over $240 a year. Moved home policy as well. Wish I didn’t have to insure at all.

  5. Solange Mayer

    Lots of good stuff here. From Birmingham, AL. Quoted with AIG Insurance, Nationwide, and some smaller one I can’t remember the name of for my 2012 Cadillac CTS Wagon and I’m now saving $19 a month. Left Western Auto Insurance to switch. I have a couple other vehicles on the policy.

  6. Marlena Maynard

    I found affordable 2012 Cadillac CTS Wagon insurance from State Farm in Anchorage, AK.

  7. Anita Mcfarland

    Does 21st Century prorate premiums at cancellation?

  8. Maranda Spencer

    From a town just southwest of Oklahoma City, OK. Don’t remember every company but I ended up saving about $60 each month. Was with Nationwide. They have a lot of discounts available.

  9. Pearly Pate

    Liked the article. I’m in the west part of Jersey City, NJ. Can’t remember who all I quoted but I ended up saving about $50 each month.

  10. Xiao Bernard

    I’m just south of Lexington, KY. I quoted with AIG Insurance, Mercury, and some smaller one I can’t remember the name of for my CTS Wagon and saved about $440 a year.

  11. Oliver Rodriquez

    I live in a small town just outside of Davenport, IA. Got prices from AAA, Mercury, and some smaller one I can’t remember the name of for my CTS Wagon and saved just over $140 a year. I used their website to get prices.

  12. Gerardo Ayala

    From west side of Evansville, Indiana. Got quotes from State Farm, AAA, and Eastwood for my 2012 Cadillac CTS Wagon and saved $311 a year. I used their online quote form to compare rates.

  13. Larraine Oneil

    Like your site, BTW. From a town just southwest of Houston, TX. Received quotes from Liberty Mutual, AAA, Mercury, and a couple others for my Cadillac and I think I am saving around $20 each month. Was with Auto-Owners. I increased coverages a little too. Highly recommended.