2016 Cadillac CTS Car Insurance Rates

Searching for the cheapest auto insurance rates for your Cadillac CTS? Do you get exhausted from scraping nickels together to pay high auto insurance rates every month? You have the same problem as many other consumers.

Due to the fact that there are so many options when it comes to auto insurance, it’s nearly impossible to pick the lowest cost auto insurance company.

Buying car insurance is quite easy. If you currently have a car insurance policy, you should be able to lower your premiums substantially using this strategy. Although consumers must know how insurance companies compete online.

Lower-cost auto insurance rates with discounts

Companies that sell car insurance don’t always list every possible discount in a way that’s easy to find, so the following list contains a few of the more well known and also the lesser-known discounts that you may qualify for.

  • Senior Citizen Rates – If you qualify as a senior citizen, you may be able to get a small decrease in premiums for CTS insurance.
  • Military Deployment Discount – Having an actively deployed family member may qualify for rate reductions.
  • Theft Prevention Discount – Vehicles optioned with advanced anti-theft systems have a lower chance of being stolen and will save you 10% or more.
  • Drivers Ed for Students – Teen drivers should complete a driver education course if it’s offered in school.
  • Passenger Safety Discount – Vehicles with factory air bags can receive discounts of up to 25% or more.
  • Accident Forgiveness Coverage – Not really a discount, but a handful of insurance companies will forgive one accident without the usual rate increase with the catch being you have to be claim-free for a set time period.
  • Discounts for Government Workers – Federal government employees can save as much as 8% for CTS insurance with certain companies.

Remember that most of the big mark downs will not be given the the whole policy. Most only cut specific coverage prices like medical payments or collision. Just because you may think having all the discounts means you get insurance for free, you aren’t that lucky.

A list of companies and a selection of discounts are:

  • State Farm includes discounts for good student, passive restraint, accident-free, defensive driving training, anti-theft, Drive Safe & Save, and safe vehicle.
  • Farmers Insurance may have discounts that include homeowner, teen driver, alternative fuel, electronic funds transfer, distant student, multi-car, and early shopping.
  • Geico offers premium reductions for emergency military deployment, air bags, driver training, military active duty, daytime running lights, and five-year accident-free.
  • American Family has savings for multi-vehicle, TimeAway discount, good driver, accident-free, early bird, good student, and mySafetyValet.
  • Nationwide offers discounts for easy pay, business or organization, Farm Bureau membership, accident-free, and good student.
  • Progressive policyholders can earn discounts including online quote discount, continuous coverage, online signing, good student, and homeowner.

Before you buy a policy, ask each company which discounts can lower your rates. Discounts might not be offered on policies in your state. To choose insurance companies with significant discounts, click here to view.

The fastest way that we advise to compare car insurance company rates is to know auto insurance companies pay for the opportunity to quote your coverage. The only thing you need to do is take a few minutes to give details such as if you lease or own, whether you drive to work or school, what you do for a living, and coverage limits. The rating information is then sent to many different companies and you will get price comparisons very quickly.

To compare multiple company rates now, click here and enter your zip code.

How your CTS insurance costs are determined

Many things are used when pricing auto insurance. Some of the criteria are obvious such as your driving history, although others are more transparent such as whether you are married or your financial responsibility.

  • City dwellers may pay more – Being located in less populated areas has it’s advantages when insuring your vehicles. Urban drivers tend to have more auto accidents and longer commutes to work. Fewer drivers on the road means less chance of accidents in addition to lower liability claims
  • Car insurance rates and occupation – Occupations like military generalsair traffic controllers and dentists usually pay higher rates than the rest of us because of high stress and long work days. Other occupations such as professors, athletes and retirees generally pay rates lower than average for CTS insurance.
  • Put fewer miles on your vehicle – Driving more miles in a year the higher your rates will be. Many insurance companies charge rates determined by how the vehicle is used. Cars and trucks used primarily for pleasure use can get a lower rate compared to those used for work or business. Ask your agent if your car insurance declarations sheet reflects the correct driver usage. A policy that improperly rates your CTS may be costing you higher rates.
  • Incidental coverages that aren’t used – Insurance companies have many extra bells and whistles that may not really be needed but may not be useful. Insurance for replacement cost coverage, accident forgiveness, and Farm Bureau memberships may not be needed and are just wasting money. These coverages may sound good at first, but if you have no use for them eliminate the coverages to reduce your premium.
  • How much liability protection – Liability insurance will provide protection if ever you are responsible for physical damage or personal injury to other. Your liability coverage provides you with a defense in court up to the limits shown on your policy. Liability insurance is quite affordable when compared with rates for comp and collision, so drivers should carry high limits.
  • Insurance companies don’t like frequent car insurance claims – If you are the type of insured that files lots of claims you can pretty much guarantee increased rates or even have your policy non-renewed. Insurance companies generally give better rates to policyholders who file claims infrequently. Insurance coverage is intended to be relied upon for claims that pose a financial burden.
  • Car insurance rates and age – Older insureds are shown to be more cautious, file fewer claims , and usually have better credit.Drivers with little experience are statistically proven to be less responsible with other occupants in the car so car insurance rates are higher.

Tailor your car insurance coverage to you

When buying the right insurance coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s situation is a little different so this has to be addressed. These are some specific questions might help in determining if you would benefit from an agent’s advice.

  • Are my tools covered if they get stolen from my vehicle?
  • Am I covered when driving in Canada or Mexico?
  • Can I afford low physical damage deductibles?
  • Do I need special endorsements for business use of my vehicle?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.

Learn about auto insurance coverages for a Cadillac CTS

Learning about specific coverages of auto insurance helps when choosing the best coverages at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy. Shown next are the usual coverages found on the average auto insurance policy.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for dental work, ambulance fees, rehabilitation expenses and doctor visits. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability – This coverage protects you from damage that occurs to a person or their property. It protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability can pay for things like legal defense fees, funeral expenses, attorney fees and emergency aid. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Comprehensive coverage – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, rock chips in glass, hitting a bird and fire damage. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage – This gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your Cadillac CTS.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Collision coverages – Collision insurance pays for damage to your CTS caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as colliding with a tree, driving through your garage door, hitting a parking meter and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Have money to burn

We just presented a lot of techniques to reduce 2016 Cadillac CTS insurance prices online. It’s most important to understand that the more you quote insurance coverage, the higher the chance of saving money. Consumers may even find the biggest savings come from some of the smallest insurance companies. Regional companies can often insure niche markets at a lower cost than the large multi-state companies such as Geico and State Farm.

Affordable 2016 Cadillac CTS insurance can be sourced online and from local insurance agents, and you need to price shop both to have the best selection. A few companies don’t offer the ability to get a quote online and usually these smaller companies sell through independent agencies.

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Comments About 2016 Cadillac CTS Insurance

  1. Marchelle Graves

    For me, GEICO was by far the cheapest in Lexington, KY.

  2. Arnetta Harrington

    Got a quote with Esurance for my 2016 Cadillac CTS and am saving around $390 a year.

  3. Johnnie Buck

    Where is cheaper car insurance? I’m in Bangor, ME. Checked online prices for a 2016 Cadillac CTS. Ended up at about $250 savings annually. Went with State Farm. They have a lot of discounts available.

  4. Nancey Cochran

    I live just outside Augusta, GA. Quoted rates from Progressive, Auto-Owners, and Farmers for my 2016 Cadillac CTS and saved $143 a year. Left Nationwide to switch. Not sure about claim service.

  5. Erin Garcia

    I can’t pay high rates. Located in Spokane, Washington. Got rates from Hartford, AIG Insurance, Nationwide, and a couple others for my Cadillac and saved around $100 a year. Insured with Nationwide before.

  6. Craig Gregory

    Cheaper not always better. I live in a small town just outside of Lexington, Kentucky. I got free quotes from 21st Century, Amica, and Encompass for my CTS and I think I am saving around $50 each month. Left Allstate to switch. A clean driving record helps.

  7. Gay Dickerson

    I live in a small town just outside of Las Cruces, NM. Got quotes with AIG Insurance, Nationwide, and Travelers for my CTS and am saving around $160 a year. LOL

  8. Oretha Myers

    For me, Allstate was by far the cheapest in Cincinnati, OH.

  9. Julian Duncan

    If you don’t have tickets and live around Bismarck, ND, check out 21st Century. They seem to be cheaper.

  10. Shanice Barton

    I got quite a few price quotes for a 2016 Cadillac CTS in Wichita, Kansas. Ended up at roughly $330 every six months with Amica. Insured with AAA before. BTW speeding tickets are not good.

  11. Tasia Fry

    Will Allstate cancel me for an at-fault accident?

  12. Cristi Black

    Just my two cents. I live in Newark, DE. Got rates from GMAC, Amica, MetLife, and a couple others for my 2016 Cadillac CTS and I’m now saving $45 a month. I got prices on the web.

  13. Betsey West

    I think I’m paying too much. Proud to be from Parkersburg, West Virginia. Quoted rates from Travelers, AAA, Hanover, and Mercury for my Cadillac and I’m now saving $33 a month. Was with Liberty Mutual. God forbid I actually have a claim.