2014 Cadillac CTS Wagon Insurance Quotes

Looking for better insurance rates for your Cadillac CTS Wagon? Scraping up a payment for overpriced Cadillac CTS Wagon insurance can drain your bank account and put a big crunch on your finances. Doing a price comparison is a great way to cut your insurance bill.

With so many choices, it is hard for the average consumer to find the lowest price provider.

The purpose of this article is to instruct you on how car insurance quotes work and some tips to save money. If you are paying for car insurance now, you should be able to reduce your rates substantially using this strategy. But vehicle owners must know the way companies market insurance on the web and apply this information to your search.

Pay less by taking advantage of discounts

Insurance can be prohibitively expensive, but there could be available discounts that can drop the cost substantially. Certain discounts will be triggered automatically when you purchase, but a few need to be manually applied prior to getting the savings.

  • Low Mileage Discounts – Driving fewer miles could qualify for a substantially lower rate.
  • Military Rewards – Being on active duty in the military could mean lower rates.
  • Seat Belt Usage – Requiring all passengers to wear their seat belts could cut 10% or more off your PIP or medical payments premium.
  • No Accidents – Drivers with accident-free driving histories pay much less as compared to bad drivers.
  • Multi-car Discount – Buying insurance for more than one vehicle on one policy could earn a price break for each car.
  • Organization Discounts – Participating in certain professional organizations may earn a discount on car insurance on CTS Wagon insurance.

As a disclaimer on discounts, most discounts do not apply the the whole policy. Most only apply to individual premiums such as liability and collision coverage. So when the math indicates it’s possible to get free car insurance, you’re out of luck. Any amount of discount will reduce your premiums.

A partial list of companies who might offer some of the above discounts are:

It’s a good idea to ask every prospective company which discounts they offer. All car insurance discounts might not be offered everywhere.

Finding Insurance Coverage

To find the best insurance coverage prices, there are several ways of comparing rate quotes from insurance coverage companies in your area. One of the best ways to find the lowest 2014 Cadillac CTS Wagon rates consists of obtaining rate quotes online. This can be done using a couple different methods.

  1. The most efficient way to get quotes for comparison is a comparison rater form (click to open form in new window). This easy form eliminates the need for separate forms for each company you want a rate for. Completing one form will get you price quotes instantly.
  2. Another way to analyze rates is to manually visit the website of each company and fill out their own quote form. For example, we’ll pretend you want rates from Farmers, Geico and State Farm. To get each rate you have to take the time to go to each site and enter your information, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.

It’s up to you which method you use, but be sure to compare identical coverage information for each price quote. If you compare different values for each quote it will be next to impossible to truly determine the lowest rate. Having just a slight variation in limits may result in large price differences. And when comparing insurance coverage rates, know that comparing a large number of companies will increase your chances of finding the best offered rates.

Your coverage should be tailored to you

When choosing the best auto insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that can help discover if your insurance needs might need an agent’s assistance.

  • Will my insurance pay for OEM parts?
  • Am I covered if I crash into my own garage door?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is my trailer covered?
  • What is the rate difference between pleasure use and commuting?
  • How much liability do I need to cover my assets?
  • Does my liability insurance cover pulling a trailer or camper?
  • What happens if I owe more than my 2014 Cadillac CTS Wagon is worth?
  • Are split liability limits better than a combined single limit?
  • Am I better off with higher deductibles on my 2014 Cadillac CTS Wagon?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Car insurance coverages 101

Knowing the specifics of your car insurance policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. These are typical coverages offered by car insurance companies.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hail damage, theft, rock chips in glass and falling objects. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Cadillac CTS Wagon.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Auto collision coverage

This pays for damage to your CTS Wagon from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like scraping a guard rail, sideswiping another vehicle, colliding with another moving vehicle, sustaining damage from a pot hole and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Auto liability

This coverage will cover damage that occurs to other people or property that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Another option is one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like repair costs for stationary objects, structural damage, court costs, loss of income and bail bonds. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Insurance for medical payments

Med pay and PIP coverage kick in for immediate expenses for X-ray expenses, pain medications and doctor visits. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Affordable insurance is out there

You just read a lot of information how to lower your 2014 Cadillac CTS Wagon insurance rates. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. You may be surprised to find that the best prices are with a lesser-known regional company. They may have significantly lower rates on certain market segments compared to the large companies like Allstate and Progressive.

When shopping online for insurance coverage, don’t be tempted to buy poor coverage just to save money. In too many instances, consumers will sacrifice liability coverage limits only to find out that the savings was not a smart move. Your aim should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.

Discount insurance is possible online and with local insurance agents, and you need to price shop both in order to have the best price selection to choose from. A few companies do not offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

More information is available at the links below