2012 Cadillac CTS Coupe Insurance Rates – 9 Tricks for Cheaper Quotes

Searching for the cheapest auto insurance rates for your Cadillac CTS Coupe? Are you sick and tired of trying to scrape together enough money to buy car insurance? Your situation is no different than many other drivers. There is such a variety of insurance companies to buy insurance from, and although it’s a good thing to have a selection, it can be more difficult to find a good deal.

Smart consumers take time to compare rates every six months since insurance rates are variable and change quite frequently. If you had the lowest price on CTS Coupe insurance a couple years back the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate how to use the internet to save money, get proper deductibles and limits, all at the lowest rate.

Finding the best rates is quite easy. If you have car insurance now, you will be able to save some money using this information. Consumers just need to learn the most efficient way to buy insurance coverage online.

Compare the Market for Auto Insurance

Finding cheaper 2012 Cadillac CTS Coupe auto insurance prices can be relatively painless. Drivers just need to spend a few minutes comparing rate quotes online with multiple companies. This is very easy and can be done in just a few minutes using one of these methods.

The single most time-saving way to find the lowest comparison rates is to use a rate comparison form like this one (opens in new window). This method prevents you from having to do a different quote for every auto insurance company. One form submission gets rate comparisons from multiple low-cost companies.

A slightly less efficient method to get quotes online is going to each company website to complete their respective quote request forms. For example, let’s assume you want to compare rates from Geico, Allstate and American Family. You would have to go to every website and enter your policy data, which is why the first method is quicker.

For a handy list of car insurance company links in your area, click here.

Which method you use is up to you, but make sure you use identical coverages and limits with every price quote. If you are comparing mixed coverages it will be next to impossible to determine the best price for your Cadillac CTS Coupe.

Pay less by taking advantage of these nine discounts

Car insurance companies do not advertise every available discount in an easy-to-find place, so here is a list both the well known and also the lesser-known car insurance savings. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • 55 and Retired – Mature drivers may receive reduced rates on CTS Coupe insurance.
  • Multiple Policy Discount – If you insure your home and vehicles with the same company you may save up to 20% off your total premium.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
  • Discounts for Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less on CTS Coupe insurance than less cautious drivers.
  • Homeowners Pay Less – Owning a house can help you save on car insurance due to the fact that maintaining a home is proof that your finances are in order.
  • One Accident Forgiven – A few companies permit an accident before your rates go up if your claims history is clear prior to the accident.
  • Multi-car Discount – Buying insurance for more than one vehicle on the same car insurance policy qualifies for this discount.
  • Military Rewards – Being deployed with a military unit could be rewarded with lower premiums.
  • Clubs and Organizations – Affiliation with a civic or occupational organization could trigger savings when shopping for car insurance on CTS Coupe insurance.

It’s important to note that many deductions do not apply to your bottom line cost. Some only apply to specific coverage prices like collision or personal injury protection. So even though they make it sound like it’s possible to get free car insurance, you won’t be that lucky.

Car insurance companies who might offer some of the above discounts include:

Before buying, ask all companies you are considering what discounts are available to you. Discounts might not be offered in every state.

Your coverage should be tailored to you

When buying coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is unique so your insurance should reflect that For example, these questions can help discover if your situation may require specific advice.

  • When does my teenage driver need to be added to my policy?
  • Why does it cost so much to insure a teen driver?
  • Do I have coverage when making deliveries for my home business?
  • Does my car insurance cover rental cars?
  • Do I need roadside assistance coverage?
  • Why am I required to get a high-risk car insurance policy?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Slick advertising tricks that work

Drivers can’t get away from ads that promise big savings by companies like Allstate and Progressive. All the ads say the same thing that you’ll save big if you change to them.

How can each company say the same thing? This is how they do it.

Insurance companies are able to cherry pick for the right customer that is profitable for them. For instance, a profitable customer might be between 25 and 40, a clean driving record, and chooses high deductibles. Any new insured who fits that profile will get very good rates and is almost guaranteed to save a lot of money.

Drivers who don’t qualify for the requirements will be charged higher premiums which leads to the driver buying from a lower-cost company. The ads state “customers that switch” but not “drivers who get quotes” save that much. That’s the way insurance companies can confidently claim big savings. That is why drivers must compare many company’s rates. It’s just too difficult to predict which insurance companies will give you the biggest savings on Cadillac CTS Coupe insurance.

Insurance coverage breakdown

Knowing the specifics of insurance can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverages available from insurance companies.

Liability insurance

Liability insurance protects you from damages or injuries you inflict on other’s property or people. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage pays for things such as emergency aid, medical services and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from flooding, rock chips in glass, hitting a bird, damage from getting keyed and vandalism. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Cadillac CTS Coupe.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as hospital visits, X-ray expenses, ambulance fees, dental work and prosthetic devices. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Auto collision coverage

Collision coverage covers damage to your CTS Coupe from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as hitting a parking meter, damaging your car on a curb and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Buy online or local, you save

We just covered some good ideas how you can shop for 2012 Cadillac CTS Coupe insurance online. It’s most important to understand that the more providers you compare, the better likelihood of reducing your rate. Consumers may even find the most savings is with a smaller regional carrier. These smaller insurers can often provide lower rates in certain areas than the large multi-state companies such as State Farm and Allstate.

As you shop your coverage around, it’s a bad idea to reduce needed coverages to save money. Too many times, an insured cut liability coverage limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your aim should be to get the best coverage possible at the best price while not skimping on critical coverages.

To learn more, feel free to browse the articles below: