2013 Cadillac CTS Insurance Rates – 10 Tips for Best Quotes

Searching for cheaper car insurance rates for your Cadillac CTS? Vehicle owners who are new to buying insurance online will discover purchasing the cheapest car insurance can be quite difficult.

If you are paying for car insurance now, you should be able to cut costs considerably using these techniques. Pricing the best protection is quite easy. But consumers must learn the way insurance companies market on the web because it can help you find the best coverage.

Do you qualify for discount auto insurance?

Some providers don’t always list their entire list of discounts in a way that’s easy to find, so we took the time to find both well-publicized in addition to some of the lesser obvious discounts that you may qualify for.

  • Drive Safe and Save – Insureds without accidents may save up to 50% more for CTS insurance than drivers with accidents.
  • Air Bags and Passive Restraints – Factory options such as air bags can get savings of 20 to 30 percent.
  • Driver’s Education for Students – Teen drivers should enroll in driver’s education in school.
  • E-sign Discounts – A handful of insurance companies may give you up to $50 for signing up over the internet.
  • Switch and Save Discount – A few insurance companies give discounts for buying a policy before your current policy expires. This discount can save up to 10%.
  • Auto/Home Discount – If you combine your auto and homeowners policies and insure them with the same company you may earn nearly 15% which can help you find affordable car insurance.
  • Anti-lock Brake Discount – Cars with ABS and/or traction control can stop better under adverse conditions so you can save 10 percent or more.
  • Own a Home and Save – Owning a home can save you money since home ownership shows financial diligence.
  • Clubs and Organizations – Belonging to certain professional organizations could earn you a nice discount when getting a car insurance quote.
  • Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a lower auto insurance rate if you buy life insurance.

Drivers should understand that most of the big mark downs will not be given the the whole policy. Most only cut the cost of specific coverages such as medical payments or collision. Even though it may seem like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

For a list of auto insurance companies that can offer you the previously mentioned discounts, click here.

What insurance coverages do I need?

When it comes to choosing the best auto insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is unique.

For instance, these questions may help you determine if your situation would benefit from an agent’s advice.

  • Am I covered when driving a rental car?
  • How much liability do I need to cover my assets?
  • Should I get collision insurance on every vehicle?
  • I don’t drive much so do I pay less?
  • When can I cancel my policy?
  • Are my tools covered if they get stolen from my vehicle?

If you’re not sure about those questions, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form.

Insurance coverage savings promises

Insurance coverage companies such as Allstate, GEICO and Progressive constantly bombard you with television, radio, and online ads. They all seem to seem to make the promise that you can save just by moving your insurance coverage policy to them. How can each company claim to save you money? It’s all in the numbers.

Many companies have a certain “appetite” for the driver that earns them a profit. For instance, a profitable insured might be over the age of 50, has never had a claim, and the vehicle is rated for pleasure use. A customer getting a price quote who fits those characteristics may get the lowest premium rates and have a good chance to pay quite a bit less when switching companies.

Potential insureds who don’t measure up to the requirements must pay a more expensive rate which leads to the prospect going elsewhere. The ad wording is “people who switch” not “all people who quote” can save as much as they claim. That is how companies can truthfully advertise the savings. Each company has different criteria, so you really should get car insurance quotes from several different companies. It is just not possible to predict which insurance coverage company will have the best rates for your profile.

Car insurance policy coverages for a 2013 Cadillac CTS

Knowing the specifics of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Cadillac CTS.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive coverages

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as vandalism, fire damage, theft and hitting a deer. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for bills such as chiropractic care, pain medications and dental work. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like scraping a guard rail, rolling your car and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Auto liability insurance

Liability coverage can cover damage that occurs to other people or property that is your fault. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims like repair costs for stationary objects, medical expenses and loss of income. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

A penny saved is a penny earned

Insureds who switch companies do it for many reasons like delays in paying claims, being labeled a high risk driver, high prices or policy non-renewal. Whatever your reason, finding a great new company is not as hard as you think.

You just learned a lot of information how to compare 2013 Cadillac CTS insurance car insurance rates online. It’s most important to understand that the more providers you compare, the higher the chance of saving money. Consumers may even find the biggest savings come from some of the lesser-known companies.

Some insurance providers may not have online quoting and most of the time these regional insurance providers work with independent agencies. Cheap 2013 Cadillac CTS insurance can be bought online as well as from insurance agents, and you need to price shop both to get a complete price analysis.

Additional insurance coverage information is available below: