2011 Cadillac CTS Wagon Insurance Quotes

Looking for the cheapest auto insurance rates? Shoppers have a choice when shopping for the lowest priced Cadillac CTS Wagon insurance. You can either spend your time calling around trying to get quotes or use the internet to make rate comparisons. There is a right way and a wrong way to compare auto insurance rates and we’ll show you the proper way to price shop coverage for a new or used Cadillac and find the lowest possible price.

It’s important to compare prices yearly because auto insurance prices are rarely the same from one policy term to another. Even if you think you had the best quotes on CTS Wagon coverage six months ago you can probably find a lower rate today. Forget all the misinformation about auto insurance because you’re about to find out the best way to lower your rates without sacrificing coverage.

Learn how to lower your insurance prices

Multiple criteria are part of the calculation when quoting car insurance. Some are obvious such as your driving history, but other criteria are more obscure such as whether you are married or how safe your car is.

  • Discounts for multiple policies – Most major insurance companies give lower prices for people that buy multiple policies in the form of a multi-policy discount. Even though this discount sounds good, you may still want to shop around to verify if the discount is saving money.
  • Only buy what you need – Insurance policies have a lot of optional add-on coverages that may not really be needed if you don’t pay attention. Coverages for rental car reimbursement, death and dismemberment, and Farm Bureau memberships may be costing you every month. The coverages may be enticing initially, but now you might not need them so think about removing them and cutting costs.
  • Where you reside plays a part – Choosing to live in less populated areas of the country has it’s advantages when trying to find low car insurance rates. Fewer drivers and short commutes corresponds to lower accident rates and lower theft and vandalism rates. People in densly populated areas have to deal with more road rage incidents and higher rates of accident claims. Spending more time driving statistically corresponds to a higher accident and claim rate.
  • How credit score affects insurance coverage prices – Having a bad credit history is a large factor in calculating your insurance coverage rates. People that have very good credit scores tend to file fewer claims and have better driving records than those with lower credit scores. So if your credit score can be improved, you could save money insuring your 2011 Cadillac CTS Wagon by repairing your credit.
  • Lower rates by increasing coverage deductibles – Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your vehicle. Some examples of covered claims would be a windshield shattered by a rock, vandalism, or theft. Comprehensive and collision coverage deductibles tell how much the insured will be required to pay in the event of a claim. The more of the claim you pay before a claim is paid (deductible), the less money you will pay for insurance coverage on CTS Wagon coverage.
  • Insurance companies don’t like frequent insurance claims – Companies award lower rates to policyholders who are not frequent claim filers. If you file claims often, you can expect increased rates or even have your policy non-renewed. Your car insurance is meant to be used in the event of major claims that would cause financial hardship.
  • Younger driver insurance prices – Teen drivers have been known to be inattentive behind the wheel so they pay higher insurance coverage rates. Parents adding a teenage driver to your insurance coverage policy can really hurt. Older people tend to be more responsible, are lower risk to insure and receive fewer citations.
  • Choose high NHTSA crash test ratings and save – Safer cars cost less to insure. Safe vehicles reduce injuries and fewer serious injuries means less money paid by your insurance company and thus lower rates. If the Cadillac CTS Wagon scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.

These discounts can lower insurance coverage rates

Some insurance providers don’t always advertise all their discounts in an easy-to-find place, so here is a list some of the more common and also the more inconspicuous credits that may apply to you. If you’re not getting every credit possible, you’re just leaving money on the table.

  • Full Payment Discount – If you pay your entire premium ahead of time rather than spreading payments over time you could save 5% or more.
  • Discounts for Seat Belt Usage – Buckling up and requiring all passengers to fasten their seat belts may be able to save a few bucks on the medical payments or PIP coverage costs.
  • ABS and Traction Control Discounts – Cars and trucks equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.
  • Discounts for Multiple Vehicles – Buying coverage for primary and secondary vehicles on a single policy can get a discount for every vehicle.
  • Low Mileage – Keeping the miles down on your Cadillac could be rewarded with lower prices due to less chance of an accident.
  • Defensive Driver – Participating in a defensive driving class may get you a small discount if your company offers it.
  • Safe Driver Discount – Safe drivers can save up to 40% or more on their auto insurance quote on CTS Wagon coverage than less cautious drivers.
  • Accident Forgiveness – This one is not really a discount per se, but companies like Liberty Mutual, Allstate and State Farm will let one accident slide without the usual rate increase so long as you haven’t had any claims prior to being involved in the accident.
  • Good Grades Discount – This discount can earn a discount of 20% or more. The discount lasts up to age 25.

One thing to note about discounts is that some credits don’t apply to your bottom line cost. Most only apply to the price of certain insurance coverages like comprehensive or collision. Despite the appearance that all those discounts means the company will pay you, companies don’t profit that way.

Companies that may offer quotes with some of the discounts shown above include:

If you need lower rates, check with all the companies which discounts they offer. Some of the discounts discussed earlier may not apply to policyholders in your area. To view insurance companies with the best insurance coverage discounts, click here to view.

When do I need an agent’s advice?

When choosing the right insurance coverage, there really is no perfect coverage plan. Each situation is unique.

Here are some questions about coverages that might help in determining whether you might need professional guidance.

  • Why do I need rental car insurance?
  • Am I covered if I break a side mirror?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Can I get a multi-policy discount?
  • Should I put collision coverage on all my vehicles?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • When can I cancel my policy?
  • Who is covered by my policy?
  • If my 2011 Cadillac CTS Wagon is totaled, can I afford another vehicle?

If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form. It’s fast, free and can help protect your family.

Insurance coverages explained

Learning about specific coverages of your insurance policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like X-ray expenses, dental work, pain medications, surgery and rehabilitation expenses. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Auto liability

This will cover damage or injury you incur to other’s property or people in an accident. It protects YOU from legal claims by others. It does not cover damage sustained by your vehicle 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 policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage protects against things such as repair bills for other people’s vehicles, pain and suffering and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Collision protection

This coverage will pay to fix damage to your CTS Wagon from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as backing into a parked car, rolling your car, scraping a guard rail and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Comprehensive (Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from flooding, hail damage, rock chips in glass and theft. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 2011 Cadillac CTS Wagon.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

The best insurance company isn’t always the cheapest

Consumers switch companies for many reasons like high prices, policy non-renewal, lack of trust in their agent and even an unsatisfactory settlement offer. Regardless of your reason for switching companies, finding a new insurance company can be less work than you think.

While you’re price shopping online, it’s a bad idea to reduce coverage to reduce premium. There are a lot of situations where an insured cut uninsured motorist or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. The ultimate goal is to buy enough coverage for the lowest cost while not skimping on critical coverages.

A few companies may not have internet price quotes and usually these small, regional companies work with independent insurance agents. More affordable insurance is possible online and from local agencies, and you should compare rates from both to have the best selection.

More information is located on the following sites: