2013 Cadillac CTS Insurance Rates

Want better auto insurance rates for your Cadillac CTS? Shopping for the cheapest auto insurance on the web may at first seem to be rather difficult for consumers new to quoting and comparing and buying auto insurance on the web. Since there are so many companies competing online, how can you have the ability to compare every company in order to find the best available rates?

Compare insurance coverage quotes

To find more affordable rates, there are a couple of ways to obtain and compare prices from insurance coverage companies in your area. The easiest way to do a complete rate comparison is to get quotes online. It’s really quite simple and can be done in several different ways.

1. If you’re in a hurry, the quickest way to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This quick form saves time by eliminating repetitive form entry for every company. Just one form will get you rate comparisons from insurance coverage companies with the best prices. Recommended for those who want to invest the least amount of time.
2. A more difficult way to shop for insurance coverage online requires a trip to the website for every company you want to comare and repeat the quote process. For examples sake, let’s say you want to compare prices for Geico, Farmers and Liberty Mutual. To find out each rate you need to visit each site and enter your policy data, and that explains why we recommend the first method.

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

The approach you take is up to you, just make darn sure you compare apples-to-apples coverage limits and deductibles on every quote you get. If you are comparing higher or lower deductibles then you won’t be able to get a fair rate comparison. Just slight variations in insurance coverages or limits may result in large price differences. It’s important to know that more quotes will enable you to find a lower rate.

Save with with these discounts

Insurance coverage is not cheap nor is it fun to buy but you can get discounts to help offset the cost. Some discounts apply automatically at quote time, but some discounts are required to be asked for in order for you to get them. If you’re not getting every credit possible, you are just wasting money.

• Good Drivers – Safe drivers can get discounts for up to 45% lower rates on CTS insurance as compared to drivers with claims.
• Multiple Policy Discount – If you have multiple policies with one insurance company you could save nearly 15% which can help you find low cost auto insurance.
• Government Employee Discount – Having worked for a branch of the government could provide a small rate reduction on CTS insurance with a few insurance coverage companies.
• Good Grades Discount – Getting good grades can save 20 to 25%. This discount can apply up to age 25.
• Telematics Data Discounts – Drivers that enable companies to scrutinize driving habits remotely such as State Farm’s In-Drive might see lower rates if they exhibit good driving behavior.
• Lower Rates for Military – Having a deployed family member can result in better insurance coverage rates.

Just know that some of the credits will not apply to your bottom line cost. Most cut specific coverage prices like medical payments or collision. If you do the math and it seems like it’s possible to get free car insurance, it just doesn’t work that way.

Popular insurance coverage companies and some of the discounts are outlined below.

• State Farm discounts include anti-theft, Drive Safe & Save, good student, driver’s education, Steer Clear safe driver discount, multiple autos, and safe vehicle.
• Liberty Mutual offers premium reductions for multi-car, new graduate, good student, safety features, and teen driver discount.
• American Family may include discounts for good driver, TimeAway discount, mySafetyValet, Steer into Savings, and bundled insurance.
• Progressive policyholders can earn discounts including multi-policy, good student, multi-vehicle, online signing, homeowner, and continuous coverage.
• Farmers Insurance includes discounts for pay in full, teen driver, homeowner, youthful driver, switch companies, business and professional, and bundle discounts.
• Auto-Owners Insurance has savings for anti-theft, multiple vehicles, good student, group or association, student away at school, and multi-policy.
• SAFECO offers discounts including accident prevention training, teen safe driver, anti-lock brakes, safe driver, teen safety rewards, anti-theft, and homeowner.

Check with every insurance company how many discounts you can get. Some discounts may not apply to policyholders in your area. For a list of insurance coverage companies that provide some of the discounts listed above, click this link.

Your situation helps dictate your coverage

When it comes to choosing proper insurance coverage, there is no one size fits all plan. Every situation is different.

For instance, these questions might help in determining whether your personal situation would benefit from an agent’s advice.

• Does my policy cover me when driving someone else’s vehicle?
• Why is insurance for a teen driver so high?
• Should I have a commercial auto policy?
• What exactly is covered by my policy?
• Should I put collision coverage on all my vehicles?
• Is rental equipment covered for theft or damage?
• Is my state a no-fault state?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form.

Auto insurance coverage considerations

Knowing the specifics of a auto insurance policy can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hail damage, hitting a deer and damage from a tornado or hurricane. The highest amount a auto 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.

Auto liability

Liability insurance will cover injuries or damage you cause to people or other property. It protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims such as attorney fees, medical services, repair costs for stationary objects and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for short-term medical expenses like X-ray expenses, rehabilitation expenses, ambulance fees and dental work. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

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

Collision can pay for things like rolling your car, hitting a mailbox, sideswiping another vehicle, colliding with a tree and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.