Save on 2018 Cadillac CTS-V Car Insurance Quotes

Searching for the cheapest insurance coverage rates for your Cadillac CTS-V? Are you tired of being strong-armed to pay your insurance coverage bill each month? You have the same problem as most other vehicle owners. Vehicle owners have multiple insurers to buy insurance from, and though it is a good thing to be able to choose, having more auto insurance companies makes it harder to find the lowest cost provider.

Finding the best rates is not that difficult. If you have a policy now or are shopping for new coverage, you can use these techniques to find better prices while maintaining coverages. Drivers just need to know the most effective way to compare prices on the web.

Do you qualify for discounts?

Some providers do not list all possible discounts very clearly, so the next list breaks down both well-publicized as well as the least known discounts that may be available. If you do not check that you are getting every discount you deserve, you could be paying more than you need to.

  • Accident Free – Drivers who stay claim-free can earn big discounts as compared to accident-prone drivers.
  • Discount for Multiple Policies – If you can bundle your home and auto insurance with the same company they may give you a discount of at least 10% off all policies.
  • Defensive Driver Discounts – Completing a driver safety class could cut 5% off your bill and make you a better driver.
  • Save over 55 – Older drivers can get a small decrease in premiums on CTS-V insurance.
  • ABS Brakes – Vehicles with anti-lock braking systems have fewer accidents and qualify for as much as a 10% discount.
  • Air Bags and Passive Restraints – Factory options such as air bags may qualify for discounts of up to 25% or more.
  • E-sign Discounts – A few larger online companies will provide an incentive get insurance on their website.
  • Seat Belts Save – Requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
  • Government Employees – Federal government employees could provide a small rate reduction on CTS-V insurance with a few auto insurance companies.
  • Clubs and Organizations – Belonging to qualifying employment or professional organizations is a good way to get lower rates on your bill.

Keep in mind that most discounts do not apply to your bottom line cost. Most only cut specific coverage prices like liability and collision coverage. Just because it seems like you could get a free auto insurance policy, you’re out of luck.

The best auto insurance companies and a partial list of their discounts can be found below.

  • American Family offers discounts for early bird, good student, air bags, multi-vehicle, bundled insurance, good driver, and mySafetyValet.
  • Nationwide discounts include multi-policy, Farm Bureau membership, business or organization, easy pay, accident-free, family plan, and anti-theft.
  • MetLife includes discounts for defensive driver, multi-policy, good driver, accident-free, good student, and claim-free.
  • 21st Century has discounts for automatic seat belts, air bags, driver training, 55 and older, and early bird.
  • Farmers Insurance may include discounts for youthful driver, pay in full, switch companies, electronic funds transfer, good student, bundle discounts, and teen driver.
  • Allstate has savings for anti-lock brakes, premier plus, new car, safe driver, multi-policy, and anti-theft.

If you need lower rates, check with every prospective company which discounts you qualify for. All car insurance discounts may not be offered in your area. To locate insurers that offer discounts, click this link.

Don’t assume everyone needs the same insurance coverage

When it comes to buying adequate coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s situation is a little different so this has to be addressed. These are some specific questions may help you determine whether you will benefit from professional help.

  • What is the minimum liability in my state?
  • Am I better off with higher deductibles on my 2018 Cadillac CTS-V?
  • Does insurance cover tools stolen from my truck?
  • Does my 2018 Cadillac CTS-V qualify for pleasure use?
  • Do I really need UM/UIM coverage?
  • Why do I need rental car insurance?
  • Can my teen driver be rated on a liability-only vehicle?
  • Why am I required to buy liability insurance?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance 101

Understanding the coverages of your policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Below you’ll find typical coverages offered by auto insurance companies.

Liability

This will cover damage that occurs to other people or property. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things such as structural damage, attorney fees and repair costs for stationary objects. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Auto collision coverage

This pays for damage to your CTS-V resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as crashing into a building, hitting a parking meter, backing into a parked car, sustaining damage from a pot hole 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 choose a higher deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Cadillac CTS-V.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as vandalism, falling objects, fire damage, hitting a deer and rock chips in glass. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for immediate expenses such as nursing services, prosthetic devices, X-ray expenses, rehabilitation expenses and ambulance fees. They are used to fill the gap from your health insurance program or if you do not have health coverage. They cover all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Don’t break the bank

Low-cost 2018 Cadillac CTS-V insurance is possible both online as well as from independent agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance providers do not provide the ability to get quotes online and usually these small insurance companies only sell coverage through independent insurance agencies.

When buying insurance coverage, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many situations where an accident victim reduced collision coverage to discover at claim time that it was a big error on their part. Your goal is to buy the best coverage you can find at a price you can afford, but do not sacrifice coverage to save money.

We’ve covered many ways to shop for 2018 Cadillac CTS-V insurance online. The key thing to remember is the more companies you get rates for, the better your comparison will be. Consumers could even find that the lowest prices come from a smaller regional carrier. Regional companies often have lower rates on specific markets than their larger competitors like State Farm, GEICO and Nationwide.

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Comments About 2018 Cadillac CTS-V Insurance

  1. Sibyl Campos

    I live just outside Fairbanks, AK. I got free rates from The General, AAA, MetLife, and a couple others for my 2018 Cadillac CTS-V and I’m now saving $33 a month. Not sure if rates are cheaper online or through an agent.

  2. Josephine Clemons

    Thanks for putting this site together. Live in the northern part of San Diego, California. Got car insurance quotes with Travelers, Auto-Owners, Liberty Mutual, and Nationwide for my 2018 Cadillac CTS-V and cut my rates about $370 a year. Left Hartford to switch. Good multi-policy discounts.

  3. Georgette Solis

    If you have a clean record and live around Detroit, MI, check out State Farm. I saved quite a bit. Left Auto-Owners to switch. Even increased coverage a bit. I just quoted rates online.

  4. Shyla Bell

    Will Progressive raise rates for a small claim?