2013 Cadillac CTS Insurance Quotes – 5 Tips for Cheapest Rates

Trying to find lower insurance rates for your Cadillac CTS? Confused by the crazy number of insurance companies? You’re not the only one! Consumers have so many companies to choose from that it can easily become a big hassle to find the lowest price.

If you currently have a car insurance policy, you will most likely be able to cut costs considerably using this strategy. Buying the lowest cost car insurance coverage can be fairly easy. But drivers do need to understand the way insurance companies sell online and use this information to your advantage.

Get lower rates on 2013 Cadillac CTS insurance

Insuring your fleet can be pricey, buy you may qualify for discounts that you may not even be aware of. Certain discounts will be triggered automatically when you complete an application, but a few need to be asked for before being credited.

  • Senior Discount – Mature drivers may be able to get a small decrease in premiums for CTS coverage.
  • Good Student Discount – Performing well in school can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
  • College Student – Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Clubs and Organizations – Being a member of a qualifying organization is a good way to get lower rates when buying car insurance for CTS coverage.
  • Seat Belts Save more than Lives – Requiring all passengers to use their safety belts could save 15% off the personal injury premium cost.

A little note about advertised discounts, most credits do not apply to the entire policy premium. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So when it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way. Any amount of discount will bring down your overall premium however.

A partial list of companies that may offer these money-saving discounts include:

Before buying, ask each insurance company which discounts you may be entitled to. Savings might not be offered in your area.

Comprehensive Car Insurance Comparison

All major car insurance companies allow you to get coverage prices directly from their websites. Obtaining pricing is fairly simple as you just enter the coverage amounts you desire as detailed in the form. When complete, the company’s rating system will order your driving record and credit report and gives you a price quote determined by many factors.

This streamlines rate comparisons, but the time it takes to visit many different websites and fill out multiple forms gets old quite quickly. But it’s very important to do this in order to get lower prices.

Rate comparisons made easy

The preferred way to locate the lowest prices makes use of a single form that analyzes rates from many companies. This type of form saves time, requires less work, and makes online price comparison much more enjoyable. As soon as the form is sent, your coverage is rated and you can choose any one of the quotes returned.

If a lower price is quoted, you can click and sign and purchase the new policy. The entire process only takes a few minutes and could lower your rates considerably.

To use this form to compare rates, click here to open in a new tab and enter your information. If you have your current policy handy, we recommend you type in deductibles and limits identical to your current policy. This way, you will be getting comparison quotes for similar insurance coverage.

Tailor your coverage to you

When it comes to choosing adequate coverage, there is no single plan that fits everyone. Every insured’s situation is different.

Here are some questions about coverages that may help highlight whether or not you would benefit from professional advice.

  • What if I don’t agree with a claim settlement offer?
  • Can I get a multi-policy discount?
  • Is business equipment covered while in my vehicle?
  • What should my uninsured motorist coverage limits be in my state?
  • What is the ISO rating for a 2013 Cadillac CTS?
  • When does my teenage driver need to be added to my policy?
  • Does my policy cover me when driving someone else’s vehicle?
  • Where can I find high-risk insurance?
  • How high should deductibles be on a 2013 Cadillac CTS?
  • Do I need roadside assistance coverage?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form.

Car insurance coverage information

Having a good grasp of your insurance policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Collision coverage

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

Collision coverage pays for things like scraping a guard rail, damaging your car on a curb, rolling your car, colliding with another moving vehicle and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like falling objects, damage from getting keyed and a broken windshield. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto liability insurance

This protects you from damage that occurs to a person or their property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like loss of income, bail bonds, structural damage and attorney fees. How much coverage you buy is up to you, but buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2013 Cadillac CTS.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Normally the UM/UIM limits do not exceed the liability coverage limits.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for immediate expenses for nursing services, hospital visits, X-ray expenses, pain medications and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

In any little way, save everyday

Drivers switch companies for many reasons like high prices, questionable increases in premium, being labeled a high risk driver and even unfair underwriting practices. No matter why you want to switch, finding a great new company is less work than it seems.

When buying insurance coverage, don’t be tempted to sacrifice coverage to reduce premiums. There are too many instances where an accident victim reduced physical damage coverage only to regret at claim time they didn’t purchase enough coverage. The proper strategy is to buy the best coverage you can find at the best price.

Affordable 2013 Cadillac CTS insurance is possible from both online companies and with local insurance agents, so compare prices from both to have the best chance of lowering rates. A few companies do not offer online price quotes and these small, regional companies work with independent agents.

More information is located at the links below