2013 Cadillac CTS-V Car Insurance Quotes 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: Mar 28, 2024

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Want better insurance rates for your Cadillac CTS-V? Trying to find better insurance prices for a new or used Cadillac CTS-V can normally be a lot of work, but you can use these tips to make it easier.

There is a better way to shop for insurance and you need to know the best way to get price quotes for a Cadillac and locate the cheapest rates from local insurance agents and online providers.

Find discounts to get cheap insurance rates

Some providers don’t always publicize all possible discounts very well, so we researched some of the more common and also the more inconspicuous discounts that may be available.

  • Military Deployment Discount – Being on active duty in the military could be rewarded with lower premium rates.
  • One Accident Forgiven – Not really a discount, but companies like GEICO and Liberty Mutual will turn a blind eye to one accident without the usual rate increase if your claims history is clear for a certain period of time.
  • Theft Deterrent System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Save with More Vehicles Insured – Buying coverage for multiple cars on a single policy may reduce the rate for each vehicle.
  • Payment Discounts – If you can afford to pay the entire bill rather than paying in monthly installments you can avoid monthly service charges.
  • New Car Discount – Insuring a vehicle that is new can be considerably cheaper because newer vehicles keep occupants safer.
  • Bundle and Save – If you can bundle your auto and home insurance with one insurance company you could get a discount of up to 20% and get you inexpensive auto insurance.
  • Renewal Discounts – A few companies give discounts for renewing your policy before your current policy expires. This can save 10% or more.
  • Distant Student Discount – Kids who are enrolled in higher education away from home and do not take a car to college could qualify for this discount.

It’s important to understand that most of the big mark downs will not be given to the whole policy. Most only cut the price of certain insurance coverages like collision or personal injury protection. Despite the fact that it seems like all the discounts add up to a free policy, you aren’t that lucky. But all discounts will cut your overall premium however.

If you would like to choose from a list of insurance companies who offer online insurance quotes, enter your zip code here.

How to compare auto insurance quotes

Getting cheaper 2013 Cadillac CTS-V auto insurance pricing is surprisingly easy. Consumers just need to invest a little time comparing rates online with multiple companies. This can be accomplished in just a few minutes using one of these methods.

  1. The most recommended method to find the lowest comparison rates is a comparison rater form. This method eliminates the need for a different quote for each company. Just one form gets you coverage quotes instantly. Just one form and you’re done.
  2. A more difficult way to obtain and compare quotes online consists of visiting each company’s website and request a quote. For sake of this example, we’ll pretend you want to compare rates from Farmers, Allstate and Liberty Mutual. You would have to navigate to each company’s site and type in your information over and over, which is why first method is recommended.

Whichever way you use, make sure you compare the same information for each quote you get. If your comparisons have different deductibles it will be next to impossible to determine the best price for your Cadillac CTS-V.

Tailor your car insurance coverage to you

When it comes to buying proper insurance coverage, there really is not a perfect coverage plan. Everyone’s needs are different.

Here are some questions about coverages that might help in determining whether your personal situation would benefit from professional advice.

  • Where can I get insurance after a DUI in my state?
  • How high should my medical payments coverage be?
  • What is the difference between comprehensive and collision coverage?
  • Can I make deliveries for my home business?
  • Is Motor Club coverage worth it?
  • Do I have newly-acquired coverage?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete your zip code. It is quick, free and may give you better protection.

Parts of your insurance policy

Understanding the coverages of your insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and coverage can change by endorsement.

Liability coverages – Liability insurance can cover injuries or damage you cause to other people or property in an accident. This coverage protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things such as repair costs for stationary objects, pain and suffering, structural damage, loss of income and medical expenses. How much coverage you buy is your choice, but you should buy as large an amount as possible.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance covers 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 things such as hail damage, hitting a deer and falling objects. The most your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your 2013 Cadillac CTS-V.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for EMT expenses, X-ray expenses, prosthetic devices, chiropractic care and doctor visits. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. They cover both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Collision – Collision insurance will pay to fix damage to your CTS-V resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like colliding with a tree, scraping a guard rail, sustaining damage from a pot hole and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

At the end of the day…

We just presented a lot of tips how to shop for 2013 Cadillac CTS-V insurance online. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding inexpensive auto insurance. You may even discover the lowest priced car insurance comes from the least-expected company.

As you restructure your insurance plan, it’s very important that you do not skimp on critical coverages to save a buck or two. There are too many instances where someone dropped comprehensive coverage or liability limits and learned later that they should have had better coverage. Your goal should be to buy enough coverage for the lowest cost and still be able to protect your assets.

Consumers change insurance companies for any number of reasons including high rates after DUI convictions, denial of a claim, policy non-renewal and policy cancellation. Regardless of your reason for switching companies, switching car insurance companies is not as hard as you think.

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