2013 Cadillac CTS-V Coupe Insurance Quotes

Scraping up a payment for overpriced Cadillac CTS-V Coupe insurance can drain your savings account and force you to make sacrifices. Doing a price comparison is a great way to lower your monthly bill. You have so many insurance companies to insure vehicles with, and though it is a good thing to have a selection, too many choices makes it more difficult to compare rates and find the lowest cost car insurance.

The purpose of this post is to let you in on the best way to quote coverages and some money-saving tips. If you currently have car insurance, you will most likely be able to save some money using this information. Vehicle owners just need to learn the tricks to compare price quotes online.

You probably qualify for some discounts

Car insurance can cost a lot, but you can get discounts that you may not even be aware of. Most are applied when you get a quote, but lesser-known reductions have to be asked about prior to receiving the credit. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • One Accident Forgiven – A handful of insurance companies permit an accident before raising your premiums so long as you haven’t had any claims for a particular time prior to the accident.
  • Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates on CTS-V Coupe insurance than drivers with accidents.
  • Driver’s Ed – Cut your cost by having your teen driver complete a driver education course if offered at their school.
  • Anti-theft System – Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
  • Service Members Pay Less – Being on active duty in the military can result in better rates.
  • Bundle and Save – When you have multiple policies with the same insurance company you may earn 10% to 20% off each policy.
  • Multiple Vehicles – Having multiple vehicles on the same auto insurance policy could earn a price break for each car.
  • Low Mileage – Low mileage vehicles can qualify you for better rates on cars that stay parked.

Consumers should know that some credits don’t apply to all coverage premiums. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like having all the discounts means you get insurance for free, companies don’t profit that way. But any discount will cut your overall premium however.

To see a list of insurers offering auto insurance discounts, click this link.

Auto Insurance Comparisons

There are a variety of methods to compare 2013 Cadillac CTS-V Coupe auto insurance prices and some are less labor-intensive and much quicker. You can waste a few hours (or days) discussing policy coverages with insurance companies in your area, or you could save time and use the web to get the quickest rates.

The majority of car insurance companies belong to an insurance system where insurance shoppers submit one quote, and at least one company then gives them pricing determined by their information. This eliminates the need for form submissions for each company you want a rate for.

To compare pricing click here to start a free quote.

The only downside to getting quotes like this is you don’t know exactly the companies to get quotes from. So if you want to select specific insurance companies to receive pricing from, we have a listing of companies who write auto insurance in your area. Click to view list.

It’s up to you which method you use, but make darn sure you compare apples-to-apples deductibles and coverage limits with each company. If you are comparing different limits and deductibles on each one you can’t possibly determine the best price for your Cadillac CTS-V Coupe.

What determines your Cadillac CTS-V Coupe insurance premium

An important part of buying insurance is that you know the factors that help determine insurance rates. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that may reward you with better insurance rates.

The following are a partial list of the pieces companies use to determine rates.

  • Add-on coverages can add up – There are a lot of extra bells and whistles you can purchase on your insurance policy. Things like personal injury protection, better glass coverage and additional equipment coverage may be costing you every month. These may sound like a good investment when talking to your agent, but now you might not need them so remove them from your policy.
  • Having a spouse can save you money – Having a wife or husband can get you a discount when buying insurance. Having a significant other is viewed as being more mature than a single person and statistics show being married results in fewer claims.
  • Rural vs Urban Areas – Choosing to live in less populated areas can be a good thing when it comes to insurance. City drivers have to deal with much more traffic and longer commute times. Less people living in that area means fewer accidents and also fewer theft and vandalism claims.
  • Are you male or female? – Statistics have proven that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are worse drivers. Both sexes are in accidents in similar numbers, but the male of the species cause more damage. Men also tend to have more aggressive citations such as reckless driving. Youthful male drivers are the most expensive to insure and thus pay the highest rates.
  • High deductibles save money – Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your Cadillac. A few examples of covered claims could be running into the backend of another car, damage caused by hail, and burglary. Your deductibles are how much you are required to spend out-of-pocket before your insurance pays a claim. The more money you have to pay, the lower your rates will be on CTS-V Coupe insurance.
  • Safer cars cost less to insure – Vehicles with high crash test scores tend to have better insurance rates. Safe vehicles protect occupants better and lower injury rates means lower claim amounts passed on to you as lower rates. If your Cadillac scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Lower rates with optional equipment – Driving a car with an alarm system can help bring down rates. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
  • No coverage gaps is important – Allowing your coverage to lapse is a sure-fire way to trigger a rate increase. And not only will your rates increase, failure to provide proof of insurance will get you a license revocation or jail time.

There’s no such thing as the perfect policy

When choosing coverage, there really is not a best way to insure your cars. Everyone’s needs are different so this has to be addressed. For instance, these questions could help you determine if your insurance needs will benefit from professional help.

  • What is roadside assistance coverage?
  • Can I make deliveries for my home business?
  • Does my personal policy cover me when driving out-of-state?
  • Does liability extend to a camper or trailer?
  • Can I afford low physical damage deductibles?
  • When does my teenage driver need to be added to my policy?
  • How can I force my company to pay a claim?
  • Are my friends covered when driving my car?
  • When can my company non-renew my policy?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk 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’s fast, doesn’t cost anything and may give you better protection.

What car insurance coverages do you need?

Understanding the coverages of your car insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages available from car insurance companies.

Liability insurance

Liability insurance protects you from damage that occurs to other’s property or people that is your fault. This insurance protects YOU against claims from other people. It does not 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 commonly see limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like repair bills for other people’s vehicles, attorney fees, loss of income and repair costs for stationary objects. How much coverage you buy is your choice, but consider buying as much as you can afford.

Collision insurance

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as backing into a parked car, colliding with another moving vehicle, scraping a guard rail and hitting a parking meter. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for bills like funeral costs, chiropractic care, pain medications, prosthetic devices and rehabilitation expenses. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. They cover you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Comprehensive auto coverage

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as vandalism, rock chips in glass, a broken windshield, damage from flooding and falling objects. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these coverages are identical to your policy’s liability coverage.

One last thing

Cheap 2013 Cadillac CTS-V Coupe insurance is available from both online companies and with local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. A few companies do not offer online quoting and many times these regional insurance providers only sell through independent insurance agents.

When you buy insurance online, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many situations where an accident victim reduced full coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase a proper amount of coverage at the best price.

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