View 2014 Cadillac CTS-V Wagon Insurance Quotes

Want better auto insurance rates for your Cadillac CTS-V Wagon? Scraping up a payment for overpriced Cadillac CTS-V Wagon insurance can overdraw your personal savings and put a big crunch on your finances. Comparison shopping is a smart way to cut your insurance bill.

Companies like Allstate, Liberty Mutual and State Farm continually bombard you with catchy ads and it can be hard to sift through the bull and find the best price available.

You need to shop coverage around on a regular basis because insurance rates fluctuate regularly. Just because you had the best deal for CTS-V Wagon insurance a few years ago you may be paying too much now. Ignore everything you know about auto insurance because we’re going to demonstrate the tricks you need to know to lower your rates without sacrificing coverage.

Save money by taking advantage of these discounts

Auto insurance companies don’t always publicize every discount very clearly, so we break down both the well known and the harder-to-find ways to save on car insurance.

  • Early Switch Discount – Select companies give a discount for buying a policy prior to your current policy expiration. It’s a savings of about 10%.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.
  • Memberships – Affiliation with a qualifying organization could trigger savings on your policy for CTS-V Wagon insurance.
  • Air Bag Discount – Factory air bags may earn rate discounts of 20% or more.
  • Accident Free – Claim-free drivers can save substantially when compared with bad drivers.
  • New Car Discount – Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.
  • Federal Employees – Active or retired federal employment can save as much as 8% for CTS-V Wagon insurance with certain companies.
  • Accident Forgiveness – Some insurance companies permit an accident before your rates go up so long as you haven’t had any claims for a set time period.
  • Discount for Good Grades – Performing well in school can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
  • Distant Student – Children who are attending college and do not have a car may qualify for this discount.

It’s important to understand that most credits do not apply to all coverage premiums. Some only reduce specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears it’s possible to get free car insurance, you won’t be that lucky.

Car insurance companies that may offer these money-saving discounts are:

It’s a good idea to ask each insurance company which discounts they offer. Some discounts might not be offered everywhere.

How to Get Cheap Car Insurance

Effectively comparing car insurance prices can take hours if you don’t understand the easiest way. You can waste a few hours (or days) talking about coverages with insurance agencies in your area, or you could save time and use the web to get prices fast.

Most of the larger companies are enrolled in a marketplace where insurance shoppers submit their information once, and at least one company returns a competitive quote based on that data. This saves time by eliminating quotation requests for each company you want a rate for.

To find out what other companies charge for 2014 Cadillac CTS-V Wagon insurance click here to start a free quote.

The one disadvantage to pricing coverage this way is you don’t know exactly which providers you will receive quotes from. So if you want to choose specific providers to compare, we put together a list of car insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just ensure you are comparing exactly the same coverage information with every price quote. If you use different deductibles it will be very difficult to make a fair comparison for your Cadillac CTS-V Wagon. Quoting even small variations in coverage limits may result in a large different in cost. And when comparing car insurance rates, know that more quotes will increase your chances of finding lower pricing.

Factors determining your Cadillac CTS-V Wagon insurance premium

An important part of buying insurance is that you know the factors that play a part in calculating the rates you pay for insurance. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that can help you get lower insurance prices.

  • Mature drivers pay less – Teenage drivers have a tendency to be more careless in a vehicle so insurance rates are higher. Mature drivers are viewed as being more responsible, file fewer claims and tend to be better behind the wheel.
  • Your job and insurance rates – Occupations like judges, executives and accountants tend to pay higher rates than average attributed to high stress levels and lengthy work days. On the flip side, occupations such as scientists, athletes and retirees have the lowest average rates for CTS-V Wagon insurance.
  • Better crash test results mean better rates – Vehicles with high crash test scores tend to have better insurance rates. Safer cars reduce injuries and better occupant protection means less money paid by your insurance company and thus lower rates. If your Cadillac is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Keep rates low by being claim-free – Insurance companies provide cheaper rates to policyholders who file claims infrequently. If you tend to file frequent claims, you can pretty much guarantee higher rates. Your insurance policy is intended to be relied upon for the large, substantial claims.
  • Do men or women drive better? – Statistics demonstrate women are more cautious behind the wheel. However, this does not mean men are WORSE drivers than women. Men and women have accidents in similar percentages, but the male of the species have costlier accidents. Men also tend to have more aggressive citations such as reckless driving. Youthful male drivers are several times more likely to be in an accident and therefore are the most expensive to insure.
  • Pay less after the wedding – Being married actually saves money on your policy. Having a spouse usually means you are more mature than a single person and statistics show married couples file fewer claims.
  • Theft deterrents lower rates – Owning a car that has an advanced theft prevention system can save you a little every year. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent auto theft.

When should I use an insurance agent?

When choosing coverage for your personal vehicles, there is no perfect coverage plan. Each situation is unique so your insurance needs to address that. For example, these questions could help you determine if you could use an agent’s help.

  • Do I need replacement cost coverage on my 2014 Cadillac CTS-V Wagon?
  • Should I bundle my homeowners policy with my auto?
  • Exactly who is provided coverage by my policy?
  • What is medical payments coverage?
  • What is UM/UIM insurance?
  • Are rock chip repairs covered?
  • Is my custom paint covered by insurance?
  • What if I total my 2014 Cadillac CTS-V Wagon and owe more than it’s worth?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Are car insurance companies telling the truth?

Car insurance providers like Progressive, Geico, Allstate and State Farm constantly bombard you with ads on television and other media. They all make the same claim that you’ll save big if you switch to their company. How do they all say the same thing? This is how they do it.

All companies have a preferred profile for the right customer they prefer to insure. An example of a preferred risk could be over the age of 50, a clean driving record, and has great credit. A propective insured who matches those parameters gets the lowest rates and is almost guaranteed to save when they switch companies.

Drivers who are not a match for this ideal profile will be charged a more expensive rate and this can result in the customer not buying. The ads state “customers who switch” not “everybody who quotes” save that much money. That’s the way companies can truthfully state the savings. That is why it’s extremely important to quote coverage with many companies. It’s just too difficult to predict which car insurance company will have the lowest Cadillac CTS-V Wagon insurance rates.

Insurance policy specifics

Having a good grasp of your insurance policy can help you determine the right coverages and proper limits and deductibles. Insurance terms can be confusing and nobody wants to actually read their policy. Listed below are typical coverage types available from insurance companies.

Collision coverages – This coverage will pay to fix damage to your CTS-V Wagon caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as colliding with a tree, scraping a guard rail, hitting a parking meter, driving through your garage door and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Medical expense insurance – Medical payments and Personal Injury Protection insurance pay for expenses for things like pain medications, chiropractic care and dental work. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Cadillac CTS-V Wagon.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Coverage for liability – This coverage protects you from damage or injury you incur to other people or property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims like emergency aid, repair costs for stationary objects, pain and suffering, loss of income and court costs. How much coverage you buy is your choice, but consider buying higher limits if possible.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from a tornado or hurricane, hail damage, a broken windshield, vandalism and damage from getting keyed. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Be a Smart Shopper

Cheap 2014 Cadillac CTS-V Wagon insurance is available both online and with local insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies do not offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.

As you restructure your insurance plan, you should never sacrifice coverage to reduce premiums. There are too many instances where consumers will sacrifice comprehensive coverage or liability limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy enough coverage at the best price, not the least amount of coverage.

More detailed insurance information can be read by following these links: