2013 Cadillac CTS Wagon Car Insurance Rates

Expensive auto insurance can drain your bank account, especially in this economy. Shopping your coverage around is a great way to lower your monthly bill.

Because you have many options when it comes to auto insurance, it’s nearly impossible to find the most cost effective car insurance company.

It’s a good idea to compare rates at least once a year because rates change quite often. Just because you had the lowest rates on CTS Wagon insurance on your last policy there is a good chance you can find better rates now. You’ll find quite a bit of inaccurate information about auto insurance on the web, but by reading this article, you’re going to learn some good information on how to stop overpaying for insurance.

The purpose of this article is to instruct you on how to get online quotes and some money-saving tips. If you currently have car insurance, you will most likely be able to reduce your rates substantially using these techniques. But vehicle owners must understand the way companies price insurance differently because it can help you find the best coverage.

Save big with these discounts

Insurance can cost an arm and a leg, but you can get discounts that many people don’t even know exist. Larger premium reductions will be automatically applied at the time of quoting, but some may not be applied and must be manually applied before you will receive the discount.

  • Discount for Life Insurance – Companies who offer life insurance give a break if you buy a life insurance policy as well.
  • Safe Driver Discount – Drivers who don’t get into accidents can pay as much as 50% less on CTS Wagon insurance than less cautious drivers.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
  • Drive Less and Save – Keeping the miles down on your Cadillac could qualify for lower rates on the low mileage vehicles.
  • Seat Belt Usage – Drivers who require all occupants to buckle their seat belts can save 10% or more off your PIP or medical payments premium.
  • Own a Home – Owning a house can help you save on insurance because of the fact that having a home demonstrates responsibility.
  • Defensive Driving Course – Successfully completing a course teaching defensive driving skills could save 5% or more if your company offers it.
  • Military Rewards – Having a family member in the military could mean lower rates.
  • Distant Student – Kids in college who live away from home without a vehicle on campus can receive lower rates.
  • Accident Forgiveness – A few companies will forgive one accident before raising your premiums as long as you don’t have any claims for a particular time prior to the accident.

Drivers should understand that most discount credits are not given to the entire policy premium. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like all those discounts means the company will pay you, it doesn’t quite work that way. Any qualifying discounts will help reduce your overall premium however.

To see a list of companies with discount insurance rates, click here to view.

Vehicle Insurance Comparison

All major insurance companies such as Allstate and Progressive give insurance quotes directly from their websites. This process doesn’t take much effort as you just enter your coverage information as detailed in the form. When the form is submitted, the system will order credit information and your driving record and generates a price based on these and other factors. Online quotes makes it a lot easier to compare rates but the process of having to visit multiple sites and complete many quote forms gets old quite quickly. But it is imperative to perform this step if you want to find the lowest price.

A quicker way to compare insurance pricing uses one simple form that gets prices from more than one company. It’s a real time-saver, reduces the work, and makes quoting online much easier to do. After sending the form, it is quoted and you can choose any of the quotes that you receive.

If one or more price quotes are lower than your current rates, you can click and sign and buy the new coverage. It takes less than 15 minutes and you will know how your current rates stack up.

To save time and compare rates now, click here to open in a new tab and begin entering your coverage information. If you have a policy now, it’s recommended you copy the limits and deductibles just like they are on your policy. Doing this assures you will have an apples-to-apples comparison using the same coverage and limits.

But I don’t know anything about car insurance

When choosing coverage, there really is not a one size fits all plan. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that can aid in determining if your insurance needs might need an agent’s assistance.

  • Which is better, split liability limits or combined limits?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I need to file an SR-22 for a DUI in my state?
  • I have a DUI can I still get coverage?
  • Is my dog or cat covered if injured in an accident?
  • Am I better off with higher deductibles on my 2013 Cadillac CTS Wagon?
  • Should I carry comprehensive and collision coverage?
  • Will I lose any money if I cancel my policy before it expires?
  • Does my personal policy cover me when driving out-of-state?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Insurance coverages 101

Understanding the coverages of a insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages offered by insurance companies.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from getting keyed, a tree branch falling on your vehicle and damage from a tornado or hurricane. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for expenses for rehabilitation expenses, EMT expenses and ambulance fees. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Collision protection

Collision coverage will pay to fix damage to your CTS Wagon caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as sustaining damage from a pot hole, hitting a parking meter, crashing into a ditch and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Liability coverage

Liability insurance protects you from damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000. Another option is one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as medical expenses, structural damage, legal defense fees and court costs. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants 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 Cadillac CTS Wagon.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Frequently the UM/UIM limits are similar to your liability insurance amounts.

In any little way, save everyday

We just showed you many ideas to lower your 2013 Cadillac CTS Wagon insurance rates. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding lower rates. You may even discover the biggest savings come from a smaller regional carrier. They can often insure niche markets at a lower cost as compared to the big name companies such as State Farm and Allstate.

When you buy insurance online, it’s a bad idea to reduce needed coverages to save money. There are many occasions where an accident victim reduced liability limits or collision coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your goal should be to find the BEST coverage at the best price.

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