2003 Cadillac CTS Insurance Rates

Searching for the cheapest insurance for a Cadillac CTS can be an all-consuming task, but you can learn our car insurance buying tips and make it easy.

There are more efficient ways to compare car insurance rates so we’re going to tell you the quickest way to price shop coverage for your Cadillac and obtain the cheapest rates from both online companies and local agents.

Smart consumers take time to take a look at other company’s rates occasionally because insurance rates are usually higher with each renewal. Just because you had the best price for CTS coverage last year there is a good chance you can find better rates now. So forget anything you know (or think you know) about car insurance because I’m going to teach you how to quote online to find lower rates on car insurance.

Locating the cheapest car insurance is not that difficult. If you are insured now or need new coverage, you can learn to get lower rates while maximizing coverage. Vehicle owners only need an understanding of how to compare prices over the internet.

The method we recommend to compare car insurance company rates is to know the fact most larger insurance companies have advanced systems to compare their rates. To start a quote, the only thing you need to do is provide information like if the car is leased, deductibles desired, whether you are married, and your education level. That rating data is then sent to multiple different insurance companies and you receive quotes instantly to find the best rate.

To compare multiple company rates now, click here and complete the quick form.

Be sure to get all your discounts

Properly insuring your vehicles can get expensive, but there are discounts available to help offset the cost. Certain discounts will be triggered automatically at quote time, but some may not be applied and must be specially asked for before you will receive the discount. If you don’t get every credit you qualify for, you’re paying more than you need to.

  • Save with a New Car – Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
  • Passive Restraint Discount – Factory air bags may earn rate discounts up to 30%.
  • Defensive Driving Course – Taking part in a driver safety course could save 5% or more and easily recoup the cost of the course.
  • Safe Driver Discount – Insureds without accidents may save up to 50% more for CTS coverage than less cautious drivers.
  • Senior Citizens – If you’re over the age of 55, you may qualify for reduced rates for CTS coverage.
  • Bundle and Save – When you combine your home and auto insurance with one insurance company you will save at least 10% off all policies.
  • Good Student Discount – Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
  • Distant Student – Youth drivers who live away from home without a vehicle on campus may be able to be covered for less.

As a disclaimer on discounts, many deductions do not apply to the overall cost of the policy. Most only reduce specific coverage prices like medical payments or collision. Even though it may seem like you can get free auto insurance, companies wouldn’t make money that way. But any discount will cut the amount you have to pay.

A partial list of companies who might offer these money-saving discounts include:

It’s a good idea to ask each insurance company what discounts are available to you. Some discounts may not apply in your area.

How do I know if I need professional advice?

When it comes to choosing the best auto insurance coverage for your vehicles, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

These are some specific questions can aid in determining if your situation will benefit from professional help.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • How much liability do I need to cover my assets?
  • Are rock chip repairs covered?
  • What are the financial responsibility laws in my state?
  • Are rental cars covered under my policy?
  • How can I get my company to pay me more for my totalled car?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What should my uninsured motorist coverage limits be in my state?
  • Do I need replacement cost coverage on my 2003 Cadillac CTS?
  • Am I getting all the discounts available?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.

Learn about car insurance coverages for a Cadillac CTS

Learning about specific coverages of a car insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Car insurance terms can be confusing and even agents have difficulty translating policy wording.

Comprehensive coverages

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from getting keyed, a broken windshield, hitting a deer, hitting a bird and vandalism. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto liability insurance

Liability coverage can cover damages or injuries you inflict on people or other property that is your fault. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as loss of income, legal defense fees, attorney fees and structural damage. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Uninsured and underinsured coverage

This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Normally these limits are identical to your policy’s liability coverage.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as driving through your garage door, hitting a parking meter, crashing into a ditch, hitting a mailbox and rolling your car. 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.

Coverage for medical payments

Med pay and PIP coverage reimburse you for bills like nursing services, EMT expenses and chiropractic care. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible