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Cadillac CTS Insurance Rates

Shopping for car insurance by quoting online is easy, plus you can save money. The key is to compare rates from all companies so you can get the lowest priced insurance.

Consumers not familiar with buying insurance may think buying low-cost Cadillac CTS insurance is hard. There are several ways to get quotes and find the best price. The best method to find competitive Cadillac CTS insurance cost consists of shopping online. This can be done by completing this short form.

Car insurance rates influenced by...

Car insurance premiums on a Cadillac CTS will vary greatly based upon several criteria. Including but not limited to:

  • More performance equals higher cost
  • How many accidents you have had
  • Home and auto can earn discounts
  • Use of your vehicle
  • Optional coverages like vehicle replacement
  • Your profession
  • Higher coverage limits cost more
  • Owning a home can lower rates

An additional factor that will help determine Cadillac CTS insurance rates is the year of the vehicle. Older cars and trucks have a lower value than newer models so the cost to replace them will push premiums down. Although more recent Cadillac vehicles may have safety features included like pedestrian detection, automatic crash notification, and tire pressure monitors so those may give discounted rates.

To get a better understanding how rates are influenced for your specific model year, select the year of your vehicle from the list below.

Liability coverages - Liability insurance will cover damage or injury you incur to people or other property by causing an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so you should buy as much as you can afford.

Collision coverage - Collision coverage will pay to fix damage to your Cadillac resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder. Collision coverage for your Cadillac CTS can be pricey, so consider dropping it from older vehicles. It's also possible to raise the deductible in order to get cheaper Cadillac CTS insurance rates.

Comprehensive coverage (or Other than Collision) - This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum amount your car insurance company will pay is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don't have enough coverage. Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for medical payments - Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as EMT expenses, pain medications, and nursing services. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage.

How Much are Cadillac CTS Insurance Rates?

Popular U.S. Cities for Cadillac CTS Insurance

  • Austin, TX
  • Detroit, MI
  • San Jose, CA
  • Fresno, CA
  • Memphis, TN
  • Los Angeles, CA
  • Chicago, IL
  • Cleveland, OH
  • Colorado Springs, CO
  • Pittsburgh, PA
  • Milwaukee, WI
  • New York, NY
  • Omaha, NE
  • Miami, FL
  • Minneapolis, MN