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Cadillac CTS Insurance Rates

Finding cheaper car insurance through online rate quotes is easy and at the same time you might just save a little. The key is to compare as many rate quotes as possible in order to accurately compare the lowest prices.

Consumers who are new to the process of comparison shopping may think buying cheap Cadillac CTS insurance is going to be difficult. When shopping for car insurance there are multiple ways to compare quotes from different insurance companies. The easiest way to find the cheapest Cadillac CTS insurance cost is to perform an online rate comparison. It is quite easy and can be accomplished by getting a quick quote here.

What factors impact the rate you pay?

Auto insurance rates for a Cadillac CTS will vary greatly based upon several criteria. Taken into consideration are:

  • Your driving record
  • Your credit history
  • Your gender can raise or lower rates
  • The deductible you choose
  • Your vehicle's safety rating
  • What you do for a living
  • The level of coverage
  • Whether you rent or own your home

A final factor which can affect Cadillac CTS insurance rates is the model year. Models that are a few years old have a reduced actual cash value in comparison to older models so repair costs tend to be lower which will push premiums down. Conversely, newer models may have a trim level with safety features such as an advanced theft deterrent system, traction control, lane departure warning system, and dual-stage airbags so those may help offset higher rates.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Auto liability - Liability insurance protects you from damages or injuries you inflict on other people or property that is your fault. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so consider buying as much as you can afford.

Collision - This pays for damage to your Cadillac caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder. Cadillac CTS collision insurance is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive auto coverage - Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by your Cadillac CTS comprehensive insurance. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

UM/UIM Coverage - This provides protection from other drivers when they do not carry enough liability coverage. Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Medical payments and PIP coverage - Med pay and PIP coverage provide coverage for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They can be used to fill the gap from your health insurance plan or if you do not have health coverage. PIP is not available in all states and may carry a deductible.

How Much are Cadillac CTS Insurance Rates?