Lower Your 2015 Cadillac CTS Insurance Cost

Searching for lower auto insurance rates for your Cadillac CTS? Are you intimidated by the dozens of auto insurance company choices? Many other consumers are too. You have so many companies to choose from that it can easily become a real hassle to find lower rates.

Smart consumers take time to shop coverage around once or twice a year since rates tend to go up over time. Just because you found the best price on CTS insurance six months ago you can probably find a better price now. Forget anything you know (or think you know) about auto insurance because you’re about to learn the proper way to properly buy coverages while reducing your premium.

Discounts can save BIG

Insurance can be prohibitively expensive, but there are discounts available that you may not know about. Some discounts apply automatically at the time of purchase, but a few must be asked about before being credited.

  • Early Signing – Some insurance companies reward drivers for switching to them before your current policy expires. This can save 10% or more.
  • Life Insurance – Companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • Paperwork-free – Certain companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can receive discounts of more than 20%.
  • College Student – Kids in college who are attending college and do not have access to a covered vehicle can receive lower rates.
  • Safety Course Discount – Taking part in a defensive driving course can save you 5% or more if your company offers it.
  • 55 and Retired – If you’re over the age of 55, you may qualify for better insurance coverage rates on CTS insurance.
  • Good Student – Performing well in school can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
  • Payment Discounts – If you pay your bill all at once instead of paying each month you may reduce your total bill.
  • Drivers Education – Require your teen driver to enroll in driver’s education in high school.

Drivers should understand that some of the credits will not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as comprehensive or collision. So when it seems like all the discounts add up to a free policy, companies wouldn’t make money that way. Any amount of discount will bring down your premiums.

To see a list of companies offering insurance coverage discounts, click this link.

The best way to get policy rate comparisons takes advantage of the fact car insurance companies provide online access to give rate comparisons. The only thing you need to do is provide a little information such as how much school you completed, whether the vehicles are used for commuting, how much coverage you want, and driver ages. Your details is then submitted to insurance companies and you will get price comparisons quickly.

To start a quote now, click here and enter your zip code.

Cadillac CTS insurance rates are influenced by…

It’s important that you understand the different types of things that go into determining the price you pay for auto insurance. When you know what positively or negatively determines base rates helps enable you to make changes that may reward you with much lower annual insurance costs.

  • Always keep insurance in force – Driving with no insurance is illegal and your next policy will cost more because you let your insurance lapse. Not only will you pay more, but being ticketed for driving with no insurance might get you a revoked license or a big fine.
  • Where you live – Being located in less populated areas can save you money when talking about auto insurance. Less people living in that area translates into fewer accidents. Drivers who live in large cities have traffic congestion and much longer commute distances. More time commuting translates into higher accident risk.
  • Pleasure use saves money – The more you drive in a year’s time the more you’ll pay to insure your vehicle. The majority of insurers rate vehicles based upon how you use the vehicle. Cars and trucks that are left in the garage receive lower rates than those used for commuting. Verify your auto insurance policy properly reflects the correct driver usage, because improper ratings can cost you money. Incorrect usage on your CTS may be costing you.
  • Clean credit earns discounts – A driver’s credit rating is a large factor in calculating your auto insurance rates. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers with lower credit scores. If your credit rating can use some improvement, you could save money insuring your 2015 Cadillac CTS by spending a little time repairing your credit.
  • Rates may be higher depending on your occupation – Did you know that where you work can have an impact on rates? Occupations such as doctors, executives and financial analysts tend to pay higher average rates because of job stress and lengthy work days. Conversely, professions such as farmers, engineers and performers have the lowest average rates on CTS insurance.
  • Women pay lower rates – Statistics have proven women tend to be less risk to insure than men. That doesn’t necessarily mean that men are worse drivers. Men and women are in accidents at a similar rate, but the males cause more damage. They also have more aggressive citations such as DWI and reckless driving. Youthful male drivers tend to get in the most accidents and are penalized with high auto insurance rates.
  • Car features impact rates – Driving a car that has an advanced theft prevention system can get you a discount on your auto insurance. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft.
  • Protect yourself with liability coverage – Liability coverage is the coverage that protects you if you are found liable for personal injury or accident damage. Liability insurance provides legal defense coverage up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so buy as much as you can afford.

Will just any policy work for me?

When choosing coverage for your personal vehicles, there is no “best” method to buy coverage. Every situation is different.

For example, these questions may help you determine if your insurance needs would benefit from an agent’s advice.

  • Can I rent a car in Mexico?
  • What is PIP insurance?
  • What exactly is covered by my policy?
  • Does my policy cover my teen driver if they drive my company car?
  • Why am I required to buy liability insurance?
  • Should I have combined single limit or split liability limits?
  • Am I covered when driving on a suspended license?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Car insurance coverages for a Cadillac CTS

Understanding the coverages of your policy can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like surgery, chiropractic care, hospital visits and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM) – This gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your 2015 Cadillac CTS.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Frequently these coverages are similar to your liability insurance amounts.

Liability auto insurance – Liability insurance will cover damage that occurs to other people or property that is your fault. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Alternatively, you may have one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like pain and suffering, funeral expenses, legal defense fees and medical services. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.

Collision coverages – This pays for damage to your CTS resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like hitting a parking meter, colliding with another moving vehicle, crashing into a ditch, sustaining damage from a pot hole and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Comprehensive insurance – This covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a deer, damage from getting keyed, hitting a bird, vandalism and theft. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Summing up your insurance search

We’ve covered some good ideas how to reduce 2015 Cadillac CTS insurance prices online. The key concept to understand is the more you quote, the better your comparison will be. You may be surprised to find that the biggest savings come from some of the lesser-known companies.

When you buy insurance online, make sure you don’t buy poor coverage just to save money. There are a lot of situations where drivers have reduced liability limits or collision coverage to discover at claim time that it was a big error on their part. Your strategy should be to buy a smart amount of coverage at a price you can afford while still protecting your assets.

Drivers change insurance companies for a number of reasons such as questionable increases in premium, policy non-renewal, poor customer service and extreme rates for teen drivers. Regardless of your reason, choosing a new insurance company can be easier than you think.

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