2014 Cadillac CTS Coupe Insurance Quotes – 6 Ways to Save

Searching for lower insurance coverage rates for your Cadillac CTS Coupe? Did a good deal turn out to be an underperforming, overpriced insurance coverage policy? Trust us when we tell you you are not the only one feeling buyer’s remorse. Due to the fact that there are so many different company options, it’s nearly impossible to pick the lowest cost company.

It’s smart to do rate comparisons once or twice a year due to the fact that insurance prices are adjusted regularly by insurance companies. Just because you had the lowest quotes on CTS Coupe insurance on your last policy you will most likely find a better rate today. Ignore everything you know about insurance coverage because I’m going to teach you one of the quickest ways to find lower rates on insurance coverage.

Insurance coverage rates and discounts

Some providers don’t always advertise all possible discounts in a way that’s easy to find, so the following list contains some of the more common as well as some of the hidden discounts that may be available. If you do not check that you are getting every discount available, you are paying more than you should be.

• Multiple Policy Discount – If you can combine your auto and homeowners policy with one insurance company you may save at least 10% off all policies.
• Anti-theft System – Anti-theft and alarm system equipped vehicles are stolen less frequently and will save you 10% or more.
• Home Ownership Discount – Owning your own home or condo can get you a discount since owning and maintaining a home shows financial diligence.
• Accident Forgiveness Coverage – Not necessarily a discount, but a few companies such as Allstate, Progressive, and Geico may permit one accident without raising rates so long as you are claim-free prior to the accident.
• Claim-Free Discount – Drivers who stay claim-free can earn big discounts in comparison to insureds who have frequent claims or accidents.
• Student Driver Training – Teen drivers should enroll and complete driver’s education as it will make them better drivers and lower rates.

It’s important to note that most of the big mark downs will not be given to all coverage premiums. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like you can get free auto insurance, it doesn’t quite work that way.

The best insurance coverage companies and some of the discounts can be found below.

• Progressive has discounts for multi-policy, online signing, homeowner, continuous coverage, online quote discount, and good student.
• AAA offers premium reductions for education and occupation, AAA membership discount, good student, anti-theft, and multi-car.
• Farmers Insurance policyholders can earn discounts including distant student, good student, alternative fuel, switch companies, and teen driver.
• Geico has savings for military active duty, membership and employees, defensive driver, good student, federal employee, and daytime running lights.
• Esurance discounts include online shopper, Switch & Save, good student, emergency road assistance, and anti-lock brakes.
• SAFECO offers discounts for teen safety rewards, accident prevention training, safe driver, homeowner, and anti-lock brakes.
• State Farm may offer discounts for student away at school, passive restraint, multiple autos, driver’s education, anti-theft, defensive driving training, and good student.

If you are trying to find cheap insurance quotes, ask each insurance company which credits you are entitled to. Some credits might not be offered in your area. If you would like to choose from a list of insurers who offer discounts, click here.

Low cost car insurance prices

Most larger insurance companies such as Geico, State Farm and Progressive allow consumers to get pricing on their websites. This process doesn’t take much effort as you simply type in the coverages you want into a form. After the form is submitted, the system gets your credit score and driving record and generates pricing information based on many factors. This simplifies rate comparisons, but the process of having to visit multiple sites and complete many quote forms is monotonous and tiresome. But it’s very important to perform this step in order to get the lowest car insurance rates.

There is a better way to compare rates

A better way to compare car insurance pricing uses just one form that gets prices from a lot of companies. It’s a real time-saver, eliminates form submissions, and makes online shopping much more enjoyable. Immediately after you send the form, it is rated and you are able to buy your choice of the quotes returned. If the quotes result in lower rates, you can simply submit the application and buy the policy. The whole process only takes a few minutes and you will know how your current rates stack up.

To compare pricing, simply click here to open in new window and submit the form. If you have your current policy handy, we recommend you replicate deductibles and limits as shown on your current policy. Doing this assures you will get a price comparison for similar insurance coverage.

Situations that may require an agent’s advice

When it comes to choosing coverage, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions could help you determine whether or not you will benefit from professional help.

• Does car insurance cover theft of personal property?
• Why am I be forced to buy a membership to get insurance from some companies?
• Can I drive in Mexico and have coverage?
• Can I rate high risk drivers on liability-only vehicles?
• Does insurance cover tools stolen from my truck?
• Does coverage extend to my business vehicle?
• Is my babysitter covered when using my vehicle?
• Does my 2014 Cadillac CTS Coupe qualify for pleasure use?
• Should I sign the liability waiver when renting a car?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area. It’s fast, free and may give you better protection.

But they said I’d save $461 a year!

Drivers get pounded daily by advertisements that promise big savings by companies like Geico, State Farm and Progressive. All the ads have a common claim that you can save if you get a free insurance quote and switch your policy.

How is it plausible that every one can cost less than your current company? This is the trick they use.

Different companies give the best rates for the right customer that earns them the highest profit. For example, a desirable risk could be a married male, has few claims, and has a high credit rating. Any driver that fits those parameters receive the lowest rate quotes and have a good chance to save when switching.

Potential customers who don’t qualify for those criteria will probably have to pay a higher premium and the customer buying from someone else. The wording the ads use say “people who switch” but not “everyone who gets a quote” will save that much if they switch. That is how companies can advertise the way they do. Each company has different criteria, so you really need to do a price quote comparison at every renewal. Because you cannot predict the company that will provide the lowest prices.

What auto insurance coverages do you need?

Knowing the specifics of your policy helps when choosing the right coverages for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages found on most auto insurance policies.

Collision coverage – Collision insurance pays for damage to your CTS Coupe resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as sustaining damage from a pot hole, damaging your car on a curb, driving through your garage door and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 2014 Cadillac CTS Coupe.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for medical expenses – Med pay and PIP coverage reimburse you for short-term medical expenses such as X-ray expenses, prosthetic devices and pain medications. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Comprehensive auto insurance – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hitting a bird, damage from a tornado or hurricane and a broken windshield. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability auto insurance – Liability insurance will cover damage or injury you incur to people or other property in an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability insurance covers claims like medical expenses, repair costs for stationary objects, structural damage, funeral expenses and court costs. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Saving money makes a lot of cents

When shopping online for auto insurance, you should never sacrifice coverage to reduce premiums. In too many instances, an insured cut collision coverage only to regret at claim time they didn’t purchase enough coverage. Your goal is to buy the best coverage you can find at the best price while still protecting your assets.

Budget-conscious 2014 Cadillac CTS Coupe insurance can be found from both online companies and from local insurance agents, so you need to quote insurance with both to have the best rate selection. A few companies may not provide rates over the internet and many times these small insurance companies work with local independent agents.

To read more, feel free to visit the resources below:

• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Child Safety FAQ (iihs.org)
• Tread Depth and Tire Safety (State Farm)
• What is a Telematics Device? (Allstate)
• Rental Car Insurance Tips (Insurance Information Insitute)
• A Tree Fell on Your Car: Now What? (Allstate)