Cheap 2003 Cadillac CTS Car Insurance Quotes

Looking for the cheapest insurance rates for your Cadillac CTS? Are you tired of scraping nickels together to pay high insurance rates every month? Your situation is no different than most other people. Many insurance companies compete for your business, so it’s not easy to compare every provider and get the definite best rate

If you are insured now or are shopping for new coverage, you can follow these tips to find the best rates and possibly find even better coverage. Finding affordable coverage is not that difficult. Drivers just need to understand the most effective way to get comparison rates on the web.

Buy lower-cost car insurance with these tips

Consumers need to have an understanding of the different types of things that are used to determine your premiums. If you understand what determines premiums, this allows you to make good choices that could result in cheaper rates. Lots of things are used when premium rates are determined. Some factors are common sense like a motor vehicle report, but some are more obscure such as your credit history or your commute time.

Listed below are a few of the “ingredients” that factor into your rate level.

  • Do you really need to file that policy claims? – If you file a lot of claims you can definitely plan on higher rates. Insurance companies provide discounts to people who file claims infrequently. Your insurance policy is intended to be relied upon for more catestrophic claims.
  • Get married and pay less – Getting married may cut your premiums compared to being single. Having a spouse generally demonstrates drivers are more mature than a single person it has been statistically shown that married drivers get in fewer accidents.
  • Bad credit will cost you – An insured’s credit history is likely to be a major factor in determining your rates. Drivers who have high credit ratings tend to be better drivers and file fewer claims as compared to drivers with lower ratings. So if your credit is not that good, you could save money insuring your 2003 Cadillac CTS by improving your credit score.
  • Higher rates for car insurance policy lapses – Driving without insurance is not a good idea and any future policy may cost more because you let your insurance expire. Not only will you pay higher rates, getting caught without coverage may earn you a steep fine or even jail time.
  • Males pay more for car insurance – Over time, data shows women are more cautious behind the wheel. It does not mean men are WORSE drivers than women. Men and women are in at-fault accidents in similar percentages, but men tend to have more serious accidents. Men also get higher numbers of serious violations such as DWI and reckless driving.
  • Combine policies to earn discounts – Most larger insurers allow discounts to customers that purchase more than one policy such as combining an auto and homeowners policy. This can amount to ten or even up to twenty percent in some cases. Even if you’re getting this discount it’s still a good idea to comparison shop to help guarantee you have the best rates. You may still be able to save more without the discount by splitting coverages up.
  • Save by driving less – The higher the miles on your Cadillac every year the higher your rates will be. A lot of insurance companies calculate prices based upon how the vehicle is primarily used. Vehicles not used for work or commuting receive lower rates than cars that get driven a lot. Incorrect rating for your CTS may be costing you. It’s always a good idea to double check that your car insurance declarations sheet reflects the correct usage for each vehicle.
  • Your age impacts your premiums – More experienced drivers are more responsible, statistically cause fewer accidents and receive fewer citations.Young drivers are known to get distracted easily when driving and because of this, their car insurance rates are much higher.

These discounts can lower auto insurance rates

Companies that sell car insurance do not list all available discounts in an easy-to-find place, so we took the time to find a few of the more well known as well as the least known credits that you can use to lower your rates.

  • Driver’s Ed – Have your child complete a driver education course as it can save substantially.
  • Smart Student Discounts – A discount for being a good student can earn a discount of 20% or more. Most companies allow this discount until age 25.
  • Club Memberships – Joining certain professional organizations may earn a discount on auto insurance.
  • Safety Course Discount – Passing a safe driver class can save you 5% or more depending on where you live.
  • Switch and Save Discount – A few larger companies offer discounts for signing up before your current coverage expires. This can save 10% or more.
  • Active Military Service – Having an actively deployed family member could qualify you for better auto insurance rates.
  • Distant Student – Children who live away from home to go to college and do not have a car could qualify for this discount.

As is typical with insurance, many deductions do not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it appears you can get free auto insurance, it doesn’t quite work that way.

A list of companies and a summarized list of policyholder discounts can be read below.

  • State Farm has discounts for Drive Safe & Save, good student, multiple autos, multiple policy, driver’s education, defensive driving training, and accident-free.
  • Farmers Insurance may have discounts that include homeowner, electronic funds transfer, alternative fuel, business and professional, good student, and teen driver.
  • Progressive offers premium reductions for multi-policy, homeowner, good student, online signing, continuous coverage, and online quote discount.
  • GEICO discounts include air bags, anti-lock brakes, defensive driver, good student, multi-vehicle, and emergency military deployment.
  • Auto-Owners Insurance includes discounts for good student, paid in full, multi-policy, student away at school, paperless, and mature driver.
  • The Hartford may offer discounts for driver training, defensive driver, anti-theft, vehicle fuel type, air bag, and bundle.
  • Farm Bureau offers discounts for good student, safe driver, multi-vehicle, driver training, multi-policy, and renewal discount.
  • USAA policyholders can earn discounts including multi-policy, safe driver, vehicle storage, loyalty savings, and driver training.

If you need inexpensive auto insurance quotes, ask each insurance company the best way to save money. Savings might not apply in your area. To view providers that have a full spectrum of discounts, click here to view.

Big names are not always cheapest

Consumers constantly see and hear ads that promise big savings for switching from companies such as 21st Century, Allstate and State Farm. They all seem to make the promise about how much you will save if you move your coverage.

How is it possible that every company can give you a better price?

Auto insurance companies quote their cheapest rates for the type of customer that earns them the most money. For instance, a profitable risk profile might have to be a married female, has other policies, and has excellent credit. Someone that hits that “sweet spot” will get low premium rates and will also save a lot if they switch.

People who are not a match for the “perfect” profile may receive a higher rate which translates to the customer buying from someone else. The ads state “customers that switch” but not “everyone who gets a quote” can get the lowest rates when switching. That is how companies can truthfully advertise the way they do. Because of these techniques, it is so important to compare as many free auto insurance quotes as you can. Because you cannot predict with any certainty which company will have the best prices at this point in time.

When do I need an agent’s advice?

When it comes to choosing adequate coverage, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that may help highlight if you will benefit from professional help.

  • How can I get my company to pay me more for my totalled car?
  • Does my policy cover my teen driver if they drive my company car?
  • Does coverage extend to a rental car in a foreign country?
  • Can I get a multi-policy discount?
  • How high should deductibles be on a 2003 Cadillac CTS?
  • Should I drop comprehensive coverage on older vehicles?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Coverages available on your car insurance policy

Learning about specific coverages of car insurance helps when choosing which coverages you need at the best deductibles and correct limits. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages available from car insurance companies.

Liability coverage

Liability coverage protects you from damage or injury you incur to people or other property in an accident. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things such as repair bills for other people’s vehicles, court costs, bail bonds and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as chiropractic care, rehabilitation expenses, EMT expenses and pain medications. They are utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Comprehensive car insurance

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, damage from getting keyed, damage from flooding and hail damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your Cadillac CTS.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision protection

This covers damage to your CTS resulting from colliding with another vehicle or an object, but not an animal. 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 driving through your garage door, backing into a parked car and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

The bottom line

When shopping online for insurance coverage, it’s a bad idea to reduce needed coverages to save money. In many instances, drivers have reduced full coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to purchase plenty of coverage at the lowest possible cost.

Cheap 2003 Cadillac CTS insurance is definitely available on the web and from local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some companies don’t offer rates over the internet and usually these smaller providers provide coverage only through independent insurance agencies.

Even more information can be found by following these links: