Save on 2013 Cadillac CTS Car Insurance Cost in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 23, 2024

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Purchasing the lowest price insurance online may at first seem to be rather difficult for drivers new to quoting and comparing and buying insurance on the internet. With so many insurance companies available, how can drivers efficiently compare every company in order to find better insurance prices?

You need to do price comparisons yearly because prices fluctuate regularly. Despite the fact that you may have had the lowest rates on CTS insurance a year ago other companies may now be cheaper. Block out anything you think you know about insurance because I’m going to let you in on the secrets to the things you must know in order to find great coverage at a great price.

If you currently have a car insurance policy, you will most likely be able to cut costs considerably using this information. This information will teach you the most effective way to quote insurance and some money-saving tips. But drivers must know how insurance companies price online insurance and take advantage of how the system works.

You may qualify for discounts

Insuring your fleet can be pricey, but there may be some discounts that could help you make your next renewal payment. A few discounts will be applied when you purchase, but lesser-known reductions have to be asked for before you will receive the discount.

  • Theft Deterrent Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems prevent vehicle theft and can earn a small discount on your policy.
  • ABS Brakes – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • Defensive Driving Course – Successfully completing a course in safe driver could cut 5% off your bill and also improve your driving technique.
  • Claim-Free Discount – Good drivers with no accidents have much lower rates as compared to drivers who are more careless.
  • Driving Data Discount – Drivers who elect to allow their auto insurance company to analyze driving habits by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates if they have good driving habits.
  • Good Students Pay Less – Excelling in school can earn a discount of 20% or more. Most companies allow this discount until age 25.
  • Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to fasten their seat belts could save 15% off the personal injury premium cost.
  • Club Memberships – Being in qualifying employment or professional organizations may earn a discount when shopping for auto insurance.
  • Cautious Driver Discount – Drivers without accidents may save up to 50% more on CTS insurance than their less cautious counterparts.
  • Government Employees – Federal government employees can save as much as 8% on CTS insurance with a few auto insurance companies.

As a sidenote, most discount credits are not given to the overall cost of the policy. Some only reduce individual premiums such as comp or med pay. Just because you may think all those discounts means the company will pay you, you won’t be that lucky.

A list of auto insurance companies and a summarized list of policyholder discounts can be found below.

  • Progressive may have discounts that include continuous coverage, multi-vehicle, online signing, online quote discount, good student, and homeowner.
  • GEICO may include discounts for air bags, five-year accident-free, daytime running lights, anti-lock brakes, and defensive driver.
  • State Farm includes discounts for Drive Safe & Save, multiple autos, Steer Clear safe driver discount, passive restraint, and student away at school.
  • Esurance discounts include good student, emergency road assistance, defensive driver, multi-policy, claim free, and renters.
  • The Hartford offers discounts for anti-theft, driver training, vehicle fuel type, air bag, bundle, defensive driver, and good student.

If you are trying to find low cost car insurance quotes, ask all companies you are considering how you can save money. Some of the discounts discussed earlier may not apply to policies in your state. If you would like to choose from a list of auto insurance companies that can offer you the previously mentioned discounts, enter your zip code here.

Low cost insurance prices

When comparison shopping, there are several ways to compare quotes from all the different companies. One of the best ways to find affordable 2013 Cadillac CTS insurance rates is to jump online and get quotes. It is quite easy and can be accomplished in a couple of different ways.

  1. The most efficient way to get quotes is to use a rate comparison form. This method saves time by eliminating boring form submissions for each price estimate. Filling out one form will return price quotes direct from many companies. Just one form and you’re done.
  2. Another way to obtain and compare quotes online requires visiting the website of each company to request a price quote. For sake of this example, let’s assume you want to get rates from Liberty Mutual, Esurance and Farmers. You would have to spend time going to each site individually to input your insurance information, which can be really labor intensive.

However you get your quotes, double check that you are using the same quote information with every price quote. If your comparisons have different data it will be next to impossible to decipher which rate is best. Just a small difference in coverages may result in large price differences. And when quoting insurance, remember that comparing more quotes increases the change that you will find better pricing.

There’s no such thing as the perfect insurance policy

When buying coverage for your vehicles, there really is not a “perfect” insurance plan. Every situation is different.

These are some specific questions might help in determining whether your personal situation might need professional guidance.

  • I don’t drive much so do I pay less?
  • How can I find cheaper teen driver insurance?
  • Do I need replacement cost coverage on my 2013 Cadillac CTS?
  • Should I buy additional glass protection?
  • Am I covered when driving on a suspended license?
  • Can I drive in Mexico and have coverage?
  • Does my personal policy cover me when driving out-of-state?
  • Can I afford low physical damage deductibles?
  • Is there coverage for injuries to my pets?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and enter your zip code.

Insurance coverage breakdown

Learning about specific coverages of your insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Comprehensive protection

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from a tornado or hurricane, falling objects, a broken windshield and a tree branch falling on your vehicle. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability coverage

Liability coverage will cover injuries or damage you cause to other’s property or people that is your fault. It protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims such as medical services, bail bonds, attorney fees and loss of income. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Collision insurance

Collision coverage pays for damage to your CTS resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as scraping a guard rail, rolling your car, damaging your car on a curb, crashing into a ditch and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for immediate expenses for X-ray expenses, pain medications, hospital visits, surgery and chiropractic care. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Be a Smart Shopper

In this article, we covered some good ideas how to reduce 2013 Cadillac CTS insurance premium rates online. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. Consumers could even find that the biggest savings come from a smaller regional carrier.

When trying to cut insurance costs, don’t be tempted to sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced liability limits or collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The goal is to get the best coverage possible for the lowest cost.

Drivers switch companies for a variety of reasons including not issuing a premium refund, extreme rates for teen drivers, questionable increases in premium or even unfair underwriting practices. No matter why you want to switch, finding a great new company is not as hard as you think.

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