2014 Cadillac CTS Insurance Rates – 10 Ways to Save

Buyers have a choice when searching for the lowest priced Cadillac CTS insurance. You can either spend your time contacting agents getting price quotes or use the internet to make rate comparisons. There are both good and bad ways to buy car insurance so we’re going to tell you the quickest way to price shop coverage for a new or used Cadillac and find the lowest possible price either online or from local insurance agents.

It’s a great practice to check car insurance prices periodically because rates are constantly changing. Despite the fact that you may have had the lowest rates for CTS insurance last year there may be better deals available now. So block out anything you think you know about car insurance because you’re about to learn the easiest way to lower your annual insurance bill.

Finding the best rates is not that difficult. If you currently have car insurance, you will be able to lower your premiums substantially using these tips. Drivers just need to understand the most effective way to shop over the internet.

Free Car Insurance Quotes

There are multiple methods to compare 2014 Cadillac CTS car insurance prices but one way is easier and takes less work. You can spend countless hours talking about coverages with local insurance agents in your area, or you can stay home and use online quoting to get prices fast.

All the larger companies are enrolled in a marketplace where prospective buyers send in one quote, and at least one company provides a quote based on that information. This prevents consumers from doing form submissions for every car insurance company. To enter your information into the quoting system, click here (opens in new window).

The one disadvantage to comparing rates this way is buyers cannot specifically choose the companies you want to price. So if you prefer to choose individual companies to receive pricing from, we put together a list of the cheapest car insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but ensure you’re using exactly the same coverage information on every quote. If you have different values for each quote you will not be able to find the best deal for your Cadillac CTS.

Is there truth in advertising?

Consumers get pounded daily by advertisements for cheaper car insurance from the likes of GEICO, State Farm and Progressive. All the companies make an identical promise that you’ll save big if you change your coverage to them.

How does each company make almost identical claims?

Insurance companies have a certain “appetite” for the type of driver that makes them money. A good example of a desirable insured might be profiled as between 30 and 50, is a homeowner, and drives less than 7,500 miles a year. A propective insured that hits that “sweet spot” receives the best rates and as a result will probably save a lot of money.

Potential customers who fall outside this ideal profile will have to pay a more expensive rate which usually ends up with the customer not buying. The ad wording is “customers who switch” but not “drivers who get quotes” save that much. This is how insurance companies can advertise the way they do. Because of the profiling, drivers should get a wide range of price quotes. It is impossible to predict which insurance companies will have the lowest Cadillac CTS insurance rates.

Don’t miss these ten discounts

Companies offering auto insurance do not advertise all their discounts in an easy-to-find place, so we researched both well-publicized and the more hidden ways to save on car insurance. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Memberships – Affiliation with a professional or civic organization is a good way to get lower rates when shopping for car insurance for CTS insurance.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less for CTS insurance than less cautious drivers.
  • Payment Method – If you pay your bill all at once instead of making monthly payments you can actually save on your bill.
  • Employee of Federal Government – Being employed by or retired from a federal job can earn a discount up to 10% for CTS insurance with a few car insurance companies.
  • Paperwork-free – Some insurance companies will discount your bill up to fifty bucks for buying your policy online.
  • Passive Restraints – Vehicles with factory air bags or automatic seat belts may earn rate discounts of more than 20%.
  • Early Switch Discount – Some companies give discounts for buying a policy before your current expiration date. It’s a savings of about 10%.
  • Drive Less and Save – Keeping the miles down on your Cadillac can qualify you for discounted rates on garaged vehicles.
  • Theft Prevention System – Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.

Consumers should know that some of the credits will not apply to the overall cost of the policy. Most only reduce specific coverage prices like liability and collision coverage. So when the math indicates adding up those discounts means a free policy, you won’t be that lucky.

To see a list of insurers who offer car insurance discounts, click here.

When might I need help?

When it comes to choosing the right insurance coverage, there is no best way to insure your cars. Everyone’s needs are different.

For instance, these questions could help you determine if your situation might need professional guidance.

  • Am I covered when driving someone else’s vehicle?
  • Why is insurance for a teen driver so high?
  • Does my medical payments coverage pay my health insurance deductible?
  • Do I need PIP coverage since I have good health insurance?
  • Should I buy only the required minimum liability coverage?
  • Does car insurance cover theft of personal property?
  • Is business property covered if stolen from my car?
  • How much liability coverage do I need in my state?
  • Why do I only qualify for high-risk insurance?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and can provide invaluable advice.

Coverages available on your policy

Having a good grasp of your policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Uninsured and underinsured coverage – This protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your 2014 Cadillac CTS.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Comprehensive coverages – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, hitting a deer, fire damage, falling objects and hitting a bird. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for liability – Liability coverage provides protection from injuries or damage you cause to other people or property by causing an accident. It protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims such as repair bills for other people’s vehicles, attorney fees and funeral expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for medical payments – Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like EMT expenses, X-ray expenses, nursing services and hospital visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Collision coverage – This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as colliding with another moving vehicle, rolling your car, driving through your garage door and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Pennies from heaven

Cheaper 2014 Cadillac CTS insurance can be bought online and also from your neighborhood agents, and you should be comparing both to have the best selection. Some companies may not provide online quoting and these small, regional companies work with independent agents.

In this article, we presented some good ideas how you can shop for insurance online. The key thing to remember is the more times you quote, the better chance you’ll have of finding lower rates. You may even find the biggest savings come from some of the smallest insurance companies.

When you buy insurance online, don’t be tempted to buy lower coverage limits just to save a few bucks. In many instances, someone sacrificed comprehensive coverage or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to find the BEST coverage for the lowest price while still protecting your assets.

Much more information about insurance is available on the following sites: