2006 Cadillac CTS Insurance Quotes – 7 Tips for Best Rates

Trying to find better auto insurance rates for your Cadillac CTS? High-priced auto insurance can bleed your funds and make it tough to pay other bills. Shopping your coverage around is an excellent way to ensure you are getting the best deal.

Vehicle owners have many insurance companies to choose from, and though it is a good thing to be able to choose, more options can take longer to find the best rates for your vehicles.

This article will help educate you on how to get online quotes and some tricks to saving. If you currently have car insurance, you stand a good chance to be able to cut costs considerably using this information. Drivers just need to know the tricks to find the lowest price over the internet.

Shop insurance online

Finding more affordable insurance rates is not a difficult process. Just take a few minutes to compare rate quotes provided by online insurance companies. This can be done by following the guidelines below.

  1. The fastest and easiest way to get quotes for comparison is a comparison rater form (click to open form in new window). This type of form saves time by eliminating separate quotes for every company. Just one form gets prices estimates from multiple low-cost companies.
  2. A more difficult way to get quotes online is to manually visit each individual company website to complete a price quote. For sake of this example, we’ll assume you want to view quotes from Auto-Owners, State Farm and GEICO. To get rate quotes you would need to visit each site and enter your information, which is why the first method is more popular. To view a list of companies in your area, click here.

The method you choose is up to you, but try to keep nearly identical coverages and limits on every quote you get. If you are comparing different liability limits it will be nearly impossible to make an equal comparison.

Find discounts to get cheap auto insurance quotes

Auto insurance can be pricey, but you may be missing some discounts that could drop your premiums quite a bit. Larger premium reductions will be automatically applied at the time of quoting, but some need to be asked for prior to receiving the credit.

  • Multiple Policy Discount – If you insure your home and vehicles with the same company you could earn a discount of as much as 10 to 15 percent.
  • Lower Rates for Military – Being deployed with a military unit could mean lower prices.
  • Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase some life insurance too.
  • Student Driver Training – It’s a good idea to have your young drivers sucessfully take a drivers education course in school.
  • Theft Deterent System – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and therefore earn up to a 10% discount.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles are much safer to drive so you can save 10 percent or more.
  • Discount for Low Mileage – Maintaining low annual mileage could be rewarded with substantially lower auto insurancerates.

It’s important to note that most of the big mark downs will not be given to the entire cost. The majority will only reduce individual premiums such as comp or med pay. So despite the fact that it appears you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

A few companies that have some of the discounts shown above may include but are not limited to:

If you need the cheapest car insurance quotes, ask each insurance company the best way to save money. A few discounts may not apply to policies in your area. If you would like to view auto insurance companies with discount rates, follow this link.

Tailor your car insurance coverage to you

When it comes to buying the best car insurance coverage, there really is no cookie cutter policy. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that can help discover whether you would benefit from professional advice.

  • Do I pay less if my vehicle is kept in my garage?
  • Is my teen driver covered when they drive my company car?
  • Is upholstery damage covered by car insurance?
  • Why am I required to buy high-risk coverage?
  • Is there coverage for injuries to my pets?
  • Should I put collision coverage on all my vehicles?
  • How do I buy GAP insurance?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is my camper covered by my car insurance policy?
  • Am I covered when driving on a suspended license?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Coverage specifics

Learning about specific coverages of car insurance can be of help when determining which coverages you need and proper limits and deductibles. Car insurance terms can be ambiguous and reading a policy is terribly boring. Listed below are the normal coverages offered by car insurance companies.

Collision coverage

Collision insurance pays for damage to your CTS from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like scraping a guard rail, hitting a mailbox, damaging your car on a curb and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.

Comprehensive auto coverage

This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like damage from flooding, theft, fire damage and hitting a bird. The maximum amount your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for expenses for funeral costs, doctor visits, X-ray expenses and dental work. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Cadillac CTS.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Most of the time these limits are set the same as your liablity limits.

Auto liability insurance

Liability insurance provides protection from damage that occurs to people or other property. This coverage protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Some companies may use a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers claims like medical services, repair bills for other people’s vehicles, pain and suffering, legal defense fees and structural damage. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Keep this in mind

We’ve covered a lot of information how to get a better price on 2006 Cadillac CTS insurance. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. You may be surprised to find that the best price on insurance coverage is with a small mutual company. Smaller companies often have lower car insurance rates on specific markets as compared to the big name companies such as Progressive and GEICO.

When getting car insurance quotes online, you should never reduce coverage to reduce premium. There are many occasions where an accident victim reduced comprehensive coverage or liability limits and learned later that it was a big mistake. Your objective should be to buy the best coverage you can find at the best price, but do not skimp to save money.

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