2004 Cadillac CTS Insurance Quotes – 8 Discounts for Cheaper Rates

Did you come to the realization that you have an underperforming, overpriced auto insurance policy? Trust us, many drivers feel the same as you. Many auto insurance companies compete to insure your vehicles, and because of this it can be hard to compare auto insurance companies and uncover the absolute cheapest price

It’s smart to compare prices quite often since prices change quite often. Just because you had the best deal for CTS insurance a year ago you can probably find a lower rate today. Ignore everything you know about auto insurance because you’re going to get a crash course in one of the easiest ways to properly buy coverages and cut your premium.

If you have a policy now or need a new policy, you can use this information to get lower rates and still get good coverage. Finding the best rates is easy if you know what you’re doing. Drivers just need to learn the most efficient way to find the lowest price over the internet.

The best way to get policy rate comparisons is to realize all the major auto insurance companies provide online access to quote your coverage. The one thing you need to do is provide a little information like what your job is, if you have an active license, if it has an anti-theft system, and if you went to college. Your details is then sent to multiple top-rated companies and they return rate quotes quickly.

To get price quotes for your 2004 Cadillac CTS now, click here and see if a lower rate is available.

Save with with these eight discounts

Companies that sell car insurance do not list every discount in a way that’s easy to find, so we took the time to find a few of the more common and also the lesser-known ways to save on insurance coverage.

  • Save with More Vehicles Insured – Purchasing coverage when you have multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Seat Belt Discounts – Using a seat belt and requiring all passengers to wear their seat belts could save 15% off the PIP or medical payment premium.
  • Homeowners Pay Less – Owning your own home or condo may trigger a policy discount on insurance coverage since owning and maintaining a home requires a higher level of personal finance.
  • Club Memberships – Being a member of certain professional organizations is a simple method to lower premiums when getting a car insurance quote.
  • Senior Citizen Discount – Seniors can get better insurance coverage rates for CTS insurance.
  • Passive Restraints and Air Bags – Options like air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
  • No Charge for an Accident – This one is not really a discount per se, but companies like Progressive, Allstate, and GEICO will turn a blind eye to one accident without the usual rate increase if you have no claims for a set time period.
  • Active Military Service – Having an actively deployed family member could mean lower premium rates.

As a sidenote, some credits don’t apply to all coverage premiums. Some only apply to the price of certain insurance coverages like medical payments or collision. Just because you may think all the discounts add up to a free policy, you’re out of luck.

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

  • GEICO offers discounts including defensive driver, seat belt use, federal employee, anti-theft, air bags, emergency military deployment, and good student.
  • MetLife discounts include multi-policy, accident-free, claim-free, defensive driver, and good driver.
  • State Farm has discounts for Drive Safe & Save, multiple autos, good student, defensive driving training, passive restraint, safe vehicle, and student away at school.
  • Progressive may offer discounts for good student, continuous coverage, homeowner, online signing, online quote discount, multi-vehicle, and multi-policy.
  • Mercury Insurance policyholders can earn discounts including multi-policy, anti-theft, age of vehicle, annual mileage, low natural disaster claims, ease of repair, and good driver.
  • 21st Century may have discounts that include early bird, teen driver, defensive driver, anti-lock brakes, good student, 55 and older, and air bags.
  • Allstate has savings for premier discount, resident student, FullPay discount, economy car, eSmart discount, auto/life discount, and safe driver.

When getting a coverage quote, ask every prospective company how many discounts you can get. Savings might not apply in every state. To see a list of insurers who offer online insurance coverage quotes, click here.

Your situation helps dictate your coverage

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Each situation is unique and your policy should reflect that. For example, these questions might point out if your insurance needs would benefit from professional advice.

  • What is the rate difference between pleasure use and commuting?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I need to file an SR-22 for a DUI in my state?
  • Am I covered when pulling a rental trailer?
  • Is there coverage for injuries to my pets?
  • How much liability insurance is required?
  • Can I drive in Mexico and have coverage?
  • Am I covered if I wreck a rental car?
  • Does my insurance cover a custom paint job?
  • Does medical payments coverage apply to all occupants?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area. It only takes a few minutes and can help protect your family.

Specific coverage details

Understanding the coverages of your insurance policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are the normal coverages available from insurance companies.

Collision coverages – This coverage will pay to fix damage to your CTS caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like scraping a guard rail, hitting a mailbox, colliding with another moving vehicle and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hitting a deer, theft, damage from getting keyed and vandalism. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability auto insurance – This provides protection from damage that occurs to other people or property in an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against things like court costs, structural damage, repair bills for other people’s vehicles, medical services and medical expenses. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like X-ray expenses, EMT expenses, nursing services, dental work and prosthetic devices. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Summing up your insurance search

You just read many ways to get a better price on 2004 Cadillac CTS insurance. The most important thing to understand is the more companies you get premium rates for, the better your comparison will be. Consumers may even find the best car insurance rates are with a small local company. They often have lower premium rates on specific markets than the large multi-state companies such as Allstate or State Farm.

When searching for cheaper car insurance quotes, make sure you don’t reduce coverage to reduce premium. There have been many situations where an insured cut comprehensive coverage or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. Your objective should be to purchase plenty of coverage for the lowest price, not the least amount of coverage.

Some insurance companies do not offer online quoting regional carriers only sell coverage through independent insurance agents. Cheaper 2004 Cadillac CTS insurance is definitely available both online and from local agencies, so you need to compare both in order to have the best chance of saving money.

Additional insurance information can be found on the following sites: