How Much Does 2017 Cadillac CTS Car Insurance Cost?

Trying to find cheaper insurance coverage rates for your Cadillac CTS? Searching for cheaper insurance for a Cadillac CTS can turn out to be an all-consuming task, but you can learn our insurance coverage buying tips to save time. There are more efficient ways to buy insurance coverage so we’re going to tell you the proper way to quote coverages for your Cadillac and obtain the lowest price from both online companies and local agents.

It’s important to do price comparisons before your policy renews because insurance coverage prices are constantly changing. Despite the fact that you may have had the best deal on CTS coverage on your last policy you may be paying too much now. Block out anything you think you know about insurance coverage because you’re about to learn how to use online quotes to buy cheaper insurance coverage.

Buying car insurance is quite easy. If you have a policy now or need new coverage, you can follow these tips to shop for the lowest rates and still get good coverage. Drivers just need to understand how to get comparison rates on the web.

You may qualify for discounts

Insurance is not cheap nor is it fun to buy but you might find some hidden discounts that you may not know about. Certain discounts will be applied at the time of quoting, but lesser-known reductions have to be manually applied before they will apply.

  • Bundle and Save – If you can bundle your home and auto insurance with one company you could save at least 10% off all policies.
  • Distant College Student Discount – Children who attend college more than 100 miles from home and do not have a car can be insured at a reduced rate.
  • Multiple Vehicles – Having all your vehicles with the same insurance company can get a discount on all vehicles.
  • Early Payment Discounts – If you can afford to pay the entire bill rather than paying in monthly installments you may have a lower total premium amount.
  • No Claims – Insureds with no claims or accidents get the best insurance rates as opposed to drivers who are more careless.
  • Discount for Good Grades – This discount may save as much as 25% on a insurance coverage quote. Most companies allow this discount until age 25.
  • Save over 55 – Drivers over the age of 55 could receive a small discount on rates on CTS coverage.
  • Early Switch Discount – Some insurance companies provide a discount for renewing your policy prior to your current policy expiring. You can save around 10% with this discount.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to your bottom line cost. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, you aren’t that lucky.

To view companies who offer insurance discounts, follow this link.

The most recommended method to compare rates is to know the fact most larger insurance companies pay for the opportunity to compare their rates. The only thing you need to do is provide a little information like any included safety features, deductibles desired, whether or not you need a SR-22, and what you do for a living. The data is then submitted to multiple top-rated companies and you get price estimates instantly to find the best rate.

To compare rates for your Cadillac CTS now, click here and enter your zip code.

You can change your insurance premiums

A large part of saving on insurance is knowing some of the factors that play a part in calculating insurance rates. When you know what positively or negatively controls the rates you pay, this empowers consumers to make smart changes that can earn you lower premium levels. Many things are used in the calculation when quoting car insurance. A few of the factors are predictable like an MVR report, but other factors are less obvious such as your marital status or your commute time.

The following are some of the factors utilized by car insurance companies to help set your premiums.

  • Prevent your car from being stolen – Choosing to buy a car with a theft deterrent system can help lower your rates. Theft deterrent systems such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help stop car theft.
  • Proper usage rating affects rates – The more you drive every year the more it will cost to insure it. Almost all companies calculate prices based on their usage. Cars that do not get driven very much get more affordable rates than vehicles that are driven to work every day. A policy that improperly rates your CTS may be costing you higher rates. Ask your agent if your insurance coverage shows the right rating data, because it can save money.
  • Cars with good safety ratings save money – Safe vehicles are cheaper to insure. Vehicles built for safety reduce occupant injuries and better occupant protection translates directly to fewer claims and thus lower rates.
  • You might have higher premiums if you are single – Being married actually saves money on your policy. Marriage generally demonstrates drivers are more stable financially and statistics show drivers who are married file infrequent claims.

There’s no such thing as the perfect auto insurance policy

When choosing the right insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is unique.

Here are some questions about coverages that can help discover if your situation might need professional guidance.

  • Is my teen driver covered when they drive my company car?
  • Should I carry comprehensive and collision coverage?
  • Why does it cost so much to insure a teen driver?
  • Am I covered when pulling a rental trailer?
  • What is no-fault insurance?
  • Is a fancy paint job covered?
  • Am I better off with higher deductibles on my 2017 Cadillac CTS?
  • Do I need rental car coverage?
  • Am I covered if I wreck a rental car?
  • Is a new car covered when I drive it off the dealer lot?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Specific coverage details

Knowing the specifics of auto insurance can help you determine appropriate coverage for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

UM/UIM Coverage – This provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 2017 Cadillac CTS.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Liability coverages – This coverage protects you from damage or injury you incur to other people or property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage protects against things like repair bills for other people’s vehicles, court costs and attorney fees. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Collision coverage – Collision coverage covers damage to your CTS caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as damaging your car on a curb, crashing into a ditch, colliding with another moving vehicle and sideswiping another vehicle. 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 increase the deductible to get cheaper collision coverage.

Medical costs insurance – Med pay and PIP coverage pay for bills like prosthetic devices, funeral costs and EMT expenses. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive or Other Than Collision – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hail damage, hitting a deer and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Quote more, save more

Throughout this article, we presented quite a bit of information on how to get a better price on 2017 Cadillac CTS insurance. The most important thing to understand is the more rate quotes you have, the better likelihood of getting the cheapest insurance coverage. You may be surprised to find that the most savings is with some of the lesser-known companies.

Drivers change insurance companies for any number of reasons including being labeled a high risk driver, extreme rates for teen drivers, high rates after DUI convictions and not issuing a premium refund. It doesn’t matter what your reason, finding the right auto insurance provider can be easier than you think.

Some auto insurance companies do not offer price quotes online and many times these small, regional companies only sell through independent agencies. Cheaper 2017 Cadillac CTS insurance is possible from both online companies and from local agencies, and you need to comparison shop both to have the best selection.

Additional information can be found on the following sites:

Comments About 2017 Cadillac CTS Insurance

  1. Candi Roman

    From northwest of Cleveland, OH. Not sure of all the companies but I ended up saving about $40 each month. Left State Farm to switch. Got better coverage too.

  2. Kimber Riley

    Here’s what I found out. Found cheapest coverage with Allstate for my 2017 Cadillac CTS and am saving around $370 a year. Have a couple speeding tickets too. It’s still not cheap enough.

  3. Regine Head

    21st Century is decent in Norman, OK.

  4. Allen Pearson

    Corporate greed I’m telling you. Went with AIG Insurance for my Cadillac and am saving around $560 a year. They have a lot of discounts available. They offer free online rate quotes.

  5. Britany Bright

    I think I’m paying too much. From a town just southwest of Fayetteville, AR. Quoted prices online for a 2017 Cadillac CTS. Ended up at about $160 savings annually. Went with State Farm.

  6. Neda Baker

    Great info, thanks for posting. I’m in the west part of Tacoma, Washington. Got quotes with Allstate, AAA, and Erie for my Cadillac and cut my rates about $460 a year. Moved home policy as well. They were helpful in switching over.

  7. Oscar Cruz

    I live west of Worcester, Massachusetts. Got free quotes online for a 2017 Cadillac CTS. Ended up at about $100 savings annually. Went with GEICO. Did it all online.

  8. Micha Bright

    Checking in from Pittsburgh, PA. I got free quotes from 21st Century, AIG Insurance, Encompass, and GMAC for my 2017 Cadillac CTS and saved about $510 a year. Left Safeco to switch.

  9. Caren Armstrong

    Mine is so expensive. Found cheapest coverage with American Family for my Cadillac and saved about $260 a year. I have several vehicles insured with them.

  10. Mavis Reese

    Good detail in your article. Live in Jackson, MS. Checked online prices for a 2017 Cadillac CTS. Ended up at about $390 savings annually. Went with GEICO. I get multi-vehicle and multi-policy discounts. Not sure if rates are cheaper online or not.

  11. Sacha Peterson

    This is too expensive. From south side of Knoxville, TN. Quoted rates from Hanover, Amica, Mercury, and a couple others for my 2017 Cadillac CTS and I’m now saving $16 a month. I have several vehicles insured with them.

  12. Dorothy Allison

    Here’s my info. Lifelong resident of Jersey City, NJ. Got prices from American Family, MetLife, and a few others for my CTS and saved around $410 a year. Was with AAA.

  13. Doreatha Morales

    I got decent rates for a 2017 Cadillac CTS in Cedar Rapids, Iowa. Ended up at roughly $190 every six months with AAA. Even increased coverage a bit.

  14. Chloe Macias

    Does Allstate have low rates for teen drivers?

  15. Kirstie England

    Checking in from Minneapolis, Minnesota. Compared quite a few companies. Saved about $50 a month. 21st Century was the best choice for me.

  16. Ward Cook

    Mine is so expensive. Live in the northern part of Houston, Texas. Not sure of all the companies but I ended up saving about $50 each month. Left 21st Century to switch.