Lower Your 2015 Cadillac CTS Car Insurance Rates

Trying to find lower car insurance rates for your Cadillac CTS? Searching for low-cost insurance for a new or used Cadillac CTS could be an all-consuming task, but you can follow our car insurance buying tips to find lower rates. There is a right way and a wrong way to shop for car insurance so we’re going to tell you the proper way to compare rates for your Cadillac and locate the cheapest rates.

You should take the time to shop coverage around before your next renewal since insurance prices trend upward over time. Even if you got the best deal on CTS coverage a year ago other companies may now be cheaper. Block out anything you think you know about car insurance because you’re about to learn the fastest way to reduce your cost while increasing coverage.

Buying car insurance is not that difficult. If you have insurance now or need a new policy, you can use these techniques to reduce the price you pay and possibly find even better coverage. Drivers only need an understanding of the proper methods to shop their coverage around online.

Compare car insurance rate quotes

Comparing car insurance rates can be a lot of work if you don’t utilize the easiest way. You could spend your day driving to local insurance agents in your area, or you could use online quoting to get prices fast.

Many insurance companies belong to an insurance system where prospective buyers submit one quote, and each participating company can provide price quotes for coverage. This saves time by eliminating repetitive form submissions to each company.

To find out what other companies charge click here (opens in new window).

The single downside to using this type of system is you cannot specify which insurance companies you want to price. So if you want to select from a list of companies to compare, we have assembled a list of the cheapest car insurance companies in your area. Click to view list.

The approach you take is up to you, just try to use apples-to-apples deductibles and coverage limits for each comparison quote. If each company quotes different values for each quote it will be next to impossible to make a fair rate comparison.

Cheaper rates with these discounts

Properly insuring your vehicles can get expensive, but you might be missing out on some discounts to reduce the price significantly. Certain reductions will be credited at quote time, but some need to be inquired about before you will receive the discount. If you do not double check each discount you deserve, you could be getting lower rates.

  • Discounts for Federal Employees – Simply working for the federal government can save as much as 8% on CTS coverage but check with your company.
  • Pay Now and Pay Less – By paying your policy upfront rather than paying in monthly installments you can actually save on your bill.
  • Discounts for Cautious Drivers – Drivers without accidents can save as much as half off their rates on CTS coverage than drivers with accident claims.
  • Sign Online – Some insurance companies provide a small discount for signing up online.
  • ABS and Traction Control Discounts – Vehicles with ABS and/or traction control are safer to drive and earn discounts up to 10%.

You should keep in mind that many deductions do not apply to all coverage premiums. Some only apply to individual premiums such as comp or med pay. Even though it may seem like you can get free auto insurance, you’re out of luck.

Some of the larger companies that have many of the previously listed discounts include:

Before buying, ask each company or agent which discounts you qualify for. Savings may not be available in your state. To choose insurers who offer insurance coverage discounts, click this link.

Educated choices result in lower insurance rates

Lots of things are taken into consideration when you get your auto insurance bill. Some of the criteria are obvious such as traffic violations, but others are less obvious such as whether you are married or how safe your car is.

The factors shown below are some of the most common factors utilized by car insurance companies to help set your rate level.

  • Younger drivers pay high premiums – Older people are shown to be more cautious, cost insurance companies less in claims and get fewer tickets.Drivers with little experience are known to get distracted easily in a vehicle therefore auto insurance rates are much higher.
  • Save by staying claim free – Auto insurance companies provide cheaper rates to drivers who file claims infrequently. If you’re an insured who likes to file claims you can definitely plan on either policy cancellation or increased premiums. Insurance coverage is meant to be used in the event of the large, substantial claims.
  • Rural vs Urban Areas – Being located in a small town may provide you with better prices when it comes to auto insurance. Fewer drivers and short commutes corresponds to lower accident rates and a lower car theft rate. Urban drivers regularly have more traffic problems and a longer drive to work. More time on the road means more chance of being in an accident.
  • Vehicles with better crash test results cost less to insure – Vehicles with good safety scores cost less to insure. Safer cars result in less severe injuries and reduced instances of injuries translates directly to fewer claims and cheaper rates on your policy.

Car insurance can be complex

When buying the right insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different.

For example, these questions can aid in determining if your situation might need professional guidance.

  • What are the financial responsibility laws in my state?
  • Do I need special endorsements for business use of my vehicle?
  • Is my camper covered by my car insurance policy?
  • Does my insurance cover a custom paint job?
  • When would I need rental car insurance?
  • Exactly who is provided coverage by my policy?
  • Do I really need UM/UIM coverage?
  • Are all vehicle passengers covered by medical payments coverage?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form. It only takes a few minutes and can help protect your family.

The coverage is in the details

Understanding the coverages of a insurance policy helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Liability coverages – Liability coverage provides protection from damage that occurs to other people or property. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability insurance covers claims like funeral expenses, attorney fees, pain and suffering, bail bonds and legal defense fees. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Medical payments coverage and PIP – Med pay and PIP coverage provide coverage for immediate expenses for hospital visits, surgery and prosthetic devices. They are used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision – Collision coverage will pay to fix damage to your CTS resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as sustaining damage from a pot hole, sideswiping another vehicle, backing into a parked car and hitting a mailbox. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Comprehensive coverage – This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like damage from getting keyed, falling objects, hitting a deer, damage from flooding and theft. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Get your money’s worth

A few companies don’t offer rate quotes online and these smaller companies only sell through independent insurance agencies. Lower-priced car insurance is attainable online as well as from independent agents, and you should compare price quotes from both in order to have the best chance of saving money.

As you go through the steps to switch your coverage, never buy lower coverage limits just to save a few bucks. There have been many cases where an insured dropped uninsured motorist or liability limits only to regret at claim time they didn’t purchase enough coverage. Your strategy should be to buy enough coverage at the best price, but do not sacrifice coverage to save money.

Consumers leave their current company for a number of reasons such as delays in responding to claim requests, high prices, questionable increases in premium and even policy non-renewal. Regardless of your reason for switching companies, choosing a new insurance company can be less work than you think.

More articles