2014 Cadillac CTS-V Coupe Car Insurance Rates – 5 Discounts for Best Quotes

Searching for the cheapest auto insurance rates for your Cadillac CTS-V Coupe? Tired of paying out the nose to pay your car insurance bill each month? You’re in the same situation as many other consumers. Since consumers have many insurance providers from which to choose, it’s difficult to pick the best insurer.

Pay less for 2014 Cadillac CTS-V Coupe insurance

Insurance can cost an arm and a leg, but discounts can save money and there are some available to cut the cost considerably. Certain discounts will be applied at the time of quoting, but a few must be inquired about before you will receive the discount. If you don’t get every credit available, you are paying more than you should be.

  • Good Students Pay Less – Getting good grades can get you a discount of up to 25%. This discount can apply up until you turn 25.
  • Military Rewards – Being on active duty in the military can result in better rates.
  • No Accidents – Drivers who don’t have accidents pay less as compared to accident-prone drivers.
  • Safety Course Discount – Taking part in a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Bundle and Save – If you insure your home and vehicles with the same insurance company you may save 10% to 20% off each policy.

Drivers should understand that most discounts do not apply the the whole policy. Most only apply to specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears adding up those discounts means a free policy, insurance companies aren’t that generous. But all discounts will bring down the cost of coverage.

To see a list of providers with the best insurance discounts, click this link.

Comprehensive Car Insurance Comparison Quotes

All major car insurance companies provide price estimates directly from their websites. Obtaining pricing is quite simple as you just enter the coverages you want into the quote form. When the form is submitted, the system makes automated requests for reports for credit and driving violations and gives you a price quote based on these factors. This makes comparing rates easy, but the process of having to visit different websites and complete many quote forms is not the best way to spend an afternoon. Unfortunately, it is important to do this if you are searching for a lower rate.

There is an easier way!

The smarter way to compare car insurance pricing utilizes a single form to obtain quotes from more than one company. It’s a real time-saver, reduces the work, and makes rate comparisons a lot less work. Once the form is submitted, it is rated with multiple companies and you can pick any one of the quote results.

If you find a better price it’s easy to complete the application and buy the policy. It can be completed in less than 10 minutes and could lower your rates considerably.

To save time and get comparison pricing now, click here and submit the form. If you have coverage now, it’s recommended you input the coverage information exactly as they are listed on your policy. Doing this assures you’re receiving rate quotes for similar coverage.

Tailor your coverage to you

When buying adequate coverage for your vehicles, there really is no cookie cutter policy. Each situation is unique so this has to be addressed. These are some specific questions may help you determine if your insurance needs might need an agent’s assistance.

  • Does my car insurance cover rental cars?
  • Do I need an umbrella policy?
  • Are rock chip repairs covered?
  • How much can I save by bundling my policies?
  • Am I covered if I drive in a foreign country?
  • How much liability coverage do I need in my state?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Should I have combined single limit or split liability limits?
  • Am I covered when using my vehicle for business?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Is there truth in advertising?

Consumers can’t get away from ads for cheaper car insurance from the likes of Geico, State Farm and Progressive. All the companies have a common claim about savings if you move your coverage to them.

How does each company make almost identical claims? This is how they do it.

All companies have a preferred profile for the type of driver they prefer to insure. For example, a driver they prefer might be over the age of 50, has no tickets, and has a high credit rating. A propective insured who matches those parameters gets the lowest rates and most likely will cut their rates substantially.

Consumers who don’t qualify for these standards will be quoted a more expensive rate and this can result in business not being written. The ad wording is “people who switch” but not “drivers who get quotes” save that much money. That is how companies can truthfully advertise the savings.

This emphasizes why drivers should get as many comparisons as possible. It’s impossible to know which insurance company will fit your personal profile best.

Car insurance coverage basics

Having a good grasp of car insurance can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Shown next are typical coverage types found on most car insurance policies.

Coverage for medical payments – Med pay and PIP coverage reimburse you for immediate expenses for things like funeral costs, prosthetic devices, EMT expenses, doctor visits and pain medications. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible

Collision coverages – This pays for damage to your CTS-V Coupe from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as scraping a guard rail, backing into a parked car and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 2014 Cadillac CTS-V Coupe.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive coverages – This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as theft, fire damage, falling objects and hitting a deer. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability – Liability insurance protects you from injuries or damage you cause to other’s property or people that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as bail bonds, medical services and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Cheaper insurance is a realistic goal

We just showed you a lot of information how to lower your 2014 Cadillac CTS-V Coupe insurance rates. The key thing to remember is the more providers you compare, the higher your chance of finding lower rates. Consumers may even find the best price on insurance is with a lesser-known regional company. These smaller insurers may often insure only within specific states and give getter rates compared to the large companies like State Farm, Geico and Nationwide.

As you shop your coverage around, it’s a bad idea to sacrifice coverage to reduce premiums. In many instances, drivers have reduced full coverage only to regret that the small savings ended up costing them much more. The aim is to purchase plenty of coverage for the lowest price.

To learn more, feel free to visit the following helpful articles: