Cheapest 2007 Cadillac CTS Insurance Rates in 2024
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UPDATED: May 12, 2022
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Looking for better insurance rates for your Cadillac CTS? Having to pay for overpriced Cadillac CTS insurance can dwindle your bank account and force you to make sacrifices. Doing a price comparison is a smart way to reduce premiums and put more money in your pocket.
Because there are so many options, it can be hard to pick the lowest cost car insurance company.
Pricing affordable protection is quite easy. Just about every driver who is required by state law to have car insurance will be able to find lower rates. Nevertheless, vehicle owners do need to understand how companies market on the web.
The quickest way to compare rates is to understand auto insurance companies will pay a fee to give you rate quotes. To start a quote, the only thing you need to do is provide the companies a bit of rating information including types of safety features, how much school you completed, driver details, and whether your vehicle is owned or leased. The data is then submitted to many different companies and they return rate quotes with very little delay.
To compare rates now, click here and enter your zip code.
Don’t miss these discounts
Insuring your vehicles can cost a lot, but you can get discounts to help bring down the price. Larger premium reductions will be automatically applied at the time you complete a quote, but less common discounts must be asked about prior to receiving the credit.
- Accident Waiver – Certain companies will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims for a particular time prior to the accident.
- Federal Employees – Active or retired federal employment could cut as much as 10% off for CTS insurance with certain companies.
- 55 and Retired – If you’re over the age of 55, you can possibly qualify for better car insurance rates for CTS insurance.
- Service Members Pay Less – Having a deployed family member can result in better rates.
- Multiple Vehicles – Insuring multiple vehicles on the same car insurance policy can get a discount on all vehicles.
- Distant Student – Children who live away from home without a vehicle on campus can receive lower rates.
- Organization Discounts – Affiliation with a professional or civic organization could qualify you for a break when buying car insurance for CTS insurance.
A little note about advertised discounts, many deductions do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like liability and collision coverage. So when the math indicates you could get a free car insurance policy, you won’t be that lucky. Any amount of discount will bring down the cost of coverage.
Companies who might offer these money-saving discounts may include but are not limited to:
- American Family
- The Hartford
Double check with every prospective company which discounts they offer. Savings may not be available in every state.
When might I need help?
When it comes to buying the best car insurance coverage, there isn’t really a cookie cutter policy. Every situation is different and your policy should reflect that. Here are some questions about coverages that can help discover if your situation would benefit from an agent’s advice.
- Does medical payments coverage apply to all occupants?
- Does my policy cover my teen driver if they drive my company car?
- Can I afford low physical damage deductibles?
- What vehicles should carry emergency assistance coverage?
- Should I buy full coverage?
- Does my personal policy cover me when driving out-of-state?
- How much liability coverage do I need in my state?
If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.
Insurance coverage specifics
Having a good grasp of a insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverage types offered by insurance companies.
Insurance for medical payments – Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like prosthetic devices, ambulance fees and hospital visits. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay
Collision coverages – This pays for damage to your CTS from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims such as backing into a parked car, sideswiping another vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.
Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Cadillac CTS.
Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these coverages are similar to your liability insurance amounts.
Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims like hitting a bird, a tree branch falling on your vehicle and damage from flooding. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Liability car insurance – This coverage can cover injuries or damage you cause to people or other property. It protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability insurance covers claims such as court costs, repair bills for other people’s vehicles and pain and suffering. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.
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