2014 Cadillac CTS Wagon Car Insurance Quotes – 8 Tips to Save

Did a good deal turn out to be high-priced car insurance? Don’t feel bad because you’re not alone. Many car insurance companies vie for your insurance dollar, so it can be very hard to choose a company to find the lowest cost out there.

It’s smart to compare premium rates occasionally because car insurance prices tend to go up over time. Despite the fact that you may have had the lowest rates for CTS Wagon insurance a year ago you will most likely find a better rate quote today. Forget all the misinformation about car insurance because you’re about to learn the right way to properly buy coverages while reducing your premium.

Lower-cost auto insurance rates with discounts

Not many people think insurance is cheap, but you can get discounts to help bring down the price. Some of these disounts will be visible when you purchase, but a few must be specially asked for in order for you to get them.

  • E-sign Discounts – Some of the larger companies will discount your bill up to fifty bucks for completing your application over the internet.
  • No Claim Discounts – Drivers with accident-free driving histories get the best auto insurance rates as compared to accident-prone drivers.
  • Multi-car Discount – Buying insurance for several vehicles on one policy could earn a price break for each car.
  • Military Deployment Discount – Being on active deployment in the military could qualify you for better prices.
  • Early Signing – A few insurance companies allow discounts for buying a new policy before your current policy expires. It can save you around 10%.
  • Discounts for Cautious Drivers – Drivers who avoid accidents can pay as much as 50% less for CTS Wagon insurance than less cautious drivers.
  • Payment Method – If paying your policy premium upfront instead of making monthly payments you can avoid the installment charge.
  • Theft Deterent Discount – Cars, trucks, and SUVs that have factory anti-theft systems can help prevent theft and earn discounts up to 10% off your car insurance quote.

Don’t be surprised that most of the big mark downs will not be given to the entire policy premium. Some only reduce specific coverage prices like collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, you’re out of luck.

Popular auto insurance companies and the discounts they provide are detailed below.

  • State Farm may include discounts for good student, multiple autos, anti-theft, defensive driving training, and good driver.
  • Farmers Insurance may have discounts that include teen driver, pay in full, alternative fuel, multi-car, and homeowner.
  • Progressive may offer discounts for online quote discount, continuous coverage, online signing, homeowner, and good student.
  • GEICO offers discounts for multi-policy, five-year accident-free, military active duty, daytime running lights, defensive driver, federal employee, and driver training.
  • Auto-Owners Insurance policyholders can earn discounts including safe driver, group or association, paperless, good student, anti-theft, paid in full, and student away at school.
  • The Hartford has savings for bundle, anti-theft, driver training, air bag, vehicle fuel type, good student, and defensive driver.
  • Farm Bureau has discounts for safe driver, 55 and retired, good student, multi-policy, renewal discount, and driver training.
  • USAA offers discounts including loyalty savings, good student, safe driver, driver training, and multi-policy.

If you need cheap car insurance quotes, ask each company or agent how many discounts you can get. Discounts might not be offered in your state. To find providers that offer multiple discounts, click this link.

Tailor your car insurance coverage to you

When it comes to choosing adequate coverage, there is no one size fits all plan. Each situation is unique and your policy should reflect that. Here are some questions about coverages that could help you determine whether your personal situation might need an agent’s assistance.

  • Should I buy additional glass protection?
  • What companies insure drivers after a DUI or DWI?
  • Is my teenager covered with friends in the car?
  • Does car insurance cover theft of personal property?
  • Can my babysitter drive my car?
  • What is the rate difference between pleasure use and commuting?
  • Am I covered when driving on a suspended license?
  • What are the best liability limits?

If you’re not sure about those questions but you know they apply to you, you may need to chat with 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 you can get the answers you need.

Insurance specifics

Having a good grasp of your policy can help you determine the right coverages and proper limits and deductibles. Insurance terms can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverage types available from insurance companies.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like X-ray expenses, funeral costs and doctor visits. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Liability coverages

Liability insurance provides protection from damage or injury you incur to other people or property in an accident. It protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for things like structural damage, medical expenses and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

Coverage for collisions

This coverage will pay to fix damage to your CTS Wagon resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as hitting a mailbox, colliding with another moving vehicle, rolling your car and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as theft, hail damage, damage from getting keyed and a broken windshield. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these coverages are identical to your policy’s liability coverage.

Never pay more for less

Some companies may not provide online rate quotes and these small, regional companies provide coverage only through independent agents. Low-cost 2014 Cadillac CTS Wagon insurance can be sourced both online as well as from insurance agents, so you need to compare both so you have a total pricing picture.

In this article, we covered a lot of tips how to save on 2014 Cadillac CTS Wagon insurance. The most important thing to understand is the more you quote car insurance, the higher your chance of finding affordable car insurance. Drivers may discover the best prices are with the least-expected company. These companies can often insure niche markets at a lower cost compared to the large companies like Allstate or State Farm.

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