2014 Cadillac CTS Coupe Car Insurance Rates – 9 Tips for Cheaper Quotes

Consumers have options when looking for affordable Cadillac CTS Coupe insurance. They can either waste time driving around getting price quotes or leverage the internet to compare rates. There are more efficient ways to buy car insurance so you’re going to learn the absolute fastest way to quote coverages on a Cadillac and get the best price possible from both online companies and local agents.

Finding the best rates is quite easy. If you have car insurance now, you stand a good chance to be able to save some money using this information. Drivers just need to understand the most effective way to find the lowest price on the web.

Verify you’re getting every discount

Some insurance providers don’t list the complete list of policy discounts in an easy-to-find place, so the list below details some of the more common as well as the least known discounts that you can inquire about if you buy auto insurance online.

  • Online Discount – A few larger online companies give back up to $50 shop auto insurance online.
  • Own a Home and Save – Owning a house may trigger a policy discount on insurance because it is proof that your finances are in order.
  • ABS Braking Discount – Vehicles equipped with ABS or steering control are much safer to drive and therefore earn up to a 10% discount.
  • Distant Student – College-age children who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle may be insured at a cheaper rate.
  • Discounts for Federal Employees – Active or former government employment can save as much as 8% for CTS Coupe insurance with some insurance companies.
  • Driver Safety – Taking part in a driver safety class may get you a small discount depending on where you live.
  • Save with a New Car – Buying a new car instead of a used car can save up to 30% compared to insuring an older model.
  • Responsible Driver Discounts – Drivers without accidents can pay as much as 50% less for CTS Coupe insurance as compared to drivers with claims.
  • Policy Bundle Discount – If you can bundle your homeowners and auto insurance with one insurance company you may save 10% to 20% off each policy.

It’s important to note that most discounts do not apply to the entire cost. Some only apply to specific coverage prices like comp or med pay. Despite the fact that it seems like you can get free auto insurance, it just doesn’t work that way.

Large insurance companies and a selection of discounts are shown below.

  • State Farm may offer discounts for student away at school, accident-free, multiple autos, driver’s education, anti-theft, Steer Clear safe driver discount, and multiple policy.
  • Farmers Insurance offers premium reductions for teen driver, early shopping, good student, mature driver, and distant student.
  • GEICO has discounts for defensive driver, driver training, multi-vehicle, anti-lock brakes, and good student.
  • American Family includes discounts for air bags, bundled insurance, mySafetyValet, good driver, early bird, defensive driver, and TimeAway discount.
  • Nationwide offers discounts for business or organization, good student, easy pay, family plan, anti-theft, and multi-policy.
  • Progressive discounts include continuous coverage, online signing, homeowner, online quote discount, multi-policy, good student, and multi-vehicle.

When comparing rates, check with each company to apply every possible discount. Some discounts listed above may not be offered in every state. If you would like to choose from a list of insurance companies that can offer you the previously mentioned discounts, click here.

Insurance ads are enticing

Consumers can’t get away from ads that claim the cheapest premium rates from the likes of GEICO, State Farm and Progressive. They all seem to have a common claim that drivers will save a bundle if you move your policy.

How is it plausible that every one can give you a lower rate? It’s all in the words they use.

Most companies have a certain “appetite” for the type of insured that will most likely be profitable. For example, a profitable risk profile could possibly be a married female, has no tickets, and drives less than 10,000 miles a year. Any new insured that fits those parameters may get the lowest rates and will save some money.

People who do not match the “perfect” profile will have to pay a higher premium and this results in business not being written. The trick companies use is to say “customers that switch” not “all people who quote” save the amount stated. That is how companies can truthfully advertise the way they do. Because of this risk profiling, you really need to get auto insurance quotes as often as possible. It’s not possible to predict with any certainty which company will have the best prices for your profile.

When should I discuss my situation with an agent?

When it comes to choosing coverage, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.

For instance, these questions may help highlight whether or not you might need an agent’s assistance.

  • Do I need higher collision deductibles?
  • Are rock chip repairs covered?
  • Is my 2014 Cadillac CTS Coupe covered for flood damage?
  • Am I covered by my spouse’s policy after a separation?
  • Is rental equipment covered for theft or damage?
  • What is PIP insurance?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Car insurance coverage information

Learning about specific coverages of your policy aids in choosing appropriate coverage for your vehicles. Auto insurance terms can be ambiguous and coverage can change by endorsement.

Comprehensive coverages

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

Comprehensive coverage pays for things such as rock chips in glass, a tree branch falling on your vehicle and hail damage. The most your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability coverage

This provides protection from injuries or damage you cause to people or other property that is your fault. It protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for things like funeral expenses, repair bills for other people’s vehicles and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like sustaining damage from a pot hole, damaging your car on a curb, sideswiping another vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible to bring the cost down.

Uninsured and underinsured coverage

This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as damage to your Cadillac CTS Coupe.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical payments

Med pay and PIP coverage pay for bills for things like doctor visits, prosthetic devices, EMT expenses and hospital visits. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Cheaper insurance is a realistic goal

We covered a lot of techniques to reduce 2014 Cadillac CTS Coupe insurance car insurance rates online. It’s most important to understand that the more times you quote, the higher the chance of saving money. Consumers could even find that the best car insurance rates are with a smaller regional carrier.

As you prepare to switch companies, it’s very important that you do not buy poor coverage just to save money. There have been many cases where consumers will sacrifice physical damage coverage only to regret that the few dollars in savings costed them thousands. The aim is to buy a smart amount of coverage for the lowest price but still have enough coverage for asset protection.

Low-cost 2014 Cadillac CTS Coupe insurance is attainable online in addition to local insurance agencies, and you should compare price quotes from both to have the best chance of lowering rates. Some companies do not offer rate quotes online and most of the time these regional insurance providers prefer to sell through independent agents.

Additional resources