Cheaper 2013 Cadillac CTS Wagon Insurance Quotes

Trying to find cheaper car insurance rates for your Cadillac CTS Wagon? Nobody I know fancies paying their premiums for car insurance, especially when their premiums are too high. Many car insurance companies vie to insure your vehicles, and it can be difficult to compare rates to find the absolute lowest rate

Insurance coverage quotes comparison

Shopping for lower insurance coverage rates can take time and effort if you don’t utilize the best way to get rate quotes. You can spend your afternoon talking to agents in your area, or you can utilize the internet for quick rates.

Many of the larger companies belong to an insurance system where prospective buyers submit one quote, and each participating company returns a rated price determined by their information. This system prevents you from having to do quotation requests to each individual insurance coverage company. To compare rates now click here (opens in new window).

The one downside to using this type of form is you can’t choose the providers you will receive quotes from. If you would rather choose specific insurance companies to compare, we put together a list of the cheapest insurance coverage companies in your area. View list of insurance companies.

Whichever way you choose to compare rates, make sure you are using the same quote information for each quote you get. If your comparisons have different values for each quote it’s impossible to determine the best price for your Cadillac CTS Wagon.

You may qualify for discounts

Car insurance companies don’t necessarily list every disount available very clearly, so we break down some of the best known and the more hidden car insurance savings.

  • Discounts for Multiple Vehicles – Buying coverage for multiple cars or trucks on one policy qualifies for this discount.
  • Online Discount – A handful of insurance companies will give you a small discount simply for signing on their website.
  • ABS Braking Discount – Cars, trucks, and SUVs with anti-lock braking systems prevent accidents and earn discounts up to 10%.
  • Defensive Driving Course – Participating in a safe driver course could save 5% or more if you qualify.
  • Memberships – Participating in qualifying clubs or civic groups is a simple method to lower premiums on your policy.
  • No Claim Discounts – Drivers who stay claim-free can earn big discounts as compared to accident-prone drivers.
  • Buy New and Save – Adding a new car to your policy can cost up to 25% less since new model year vehicles have better safety ratings.

Consumers should know that some of the credits will not apply to the entire cost. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like you can get free auto insurance, it doesn’t quite work that way.

If you would like to see a list of companies who offer free car insurance quotes, follow this link.

There’s no such thing as the perfect auto insurance policy

When it comes to buying coverage, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions might help in determining whether you would benefit from professional advice.

  • When should I not file a claim?
  • If my pet gets injured in an accident are they covered?
  • How much liability insurance is required?
  • Do I really need UM/UIM coverage?
  • Is business equipment covered while in my vehicle?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Why does it cost so much to insure a teen driver?
  • Will I be non-renewed for getting a DUI or other conviction?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance specifics

Learning about specific coverages of your policy can help you determine the right coverages for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. These are the normal coverages offered by car insurance companies.

Auto liability

This protects you from damage or injury you incur to other’s property or people by causing an accident. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things such as funeral expenses, legal defense fees, emergency aid, court costs and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

Collision protection

Collision coverage covers damage to your CTS Wagon resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like rolling your car, crashing into a building, backing into a parked car and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 2013 Cadillac CTS Wagon.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like hitting a deer, a broken windshield and theft. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for expenses like EMT expenses, prosthetic devices, doctor visits, hospital visits and pain medications. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage