2014 Cadillac CTS Coupe 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: May 8, 2024

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Wish you could get out of overpriced car insurance? It’s quite common and you’re not alone. Due to the fact that there are so many choices, it is very difficult to choose a lower cost car insurance provider.

It’s a good habit to quote other rates before your policy renews because prices trend upward over time. Even if you got the lowest rate on CTS Coupe insurance two years ago the chances are good that you can find a lower premium rate today. Forget anything you know (or think you know) about car insurance because you’re going to learn the easiest way to lower your annual insurance bill.

The purpose of this post is to teach you how to effectively get price quotes and some tips to save money. If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using these methods. Consumers just need to learn the proper way to shop their coverage around online.

The quickest method to compare rate quotes is to know the trick most insurance companies participate in a system to give free rates quotes. All you need to do is give them some information like your general credit rating, how old drivers are, your job, and if it has an alarm system. Your rating data is automatically sent to insurance companies and you receive quotes with very little delay.

Tailor your insurance coverage coverage to you

When buying proper insurance coverage for your vehicles, there really is not a perfect coverage plan. Every insured’s situation is different so this has to be addressed. These are some specific questions can help discover if your insurance needs would benefit from professional advice.

  • Do I need PIP coverage since I have good health insurance?
  • I have good health insurance, so how much medical payments coverage do I need?
  • When would I need rental car insurance?
  • What is UM/UIM insurance?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered by my spouse’s policy after a separation?
  • What happens if I owe more than my 2014 Cadillac CTS Coupe is worth?
  • Am I covered when driving someone else’s vehicle?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. To find an agent in your area, complete your zip code. It only takes a few minutes and can provide invaluable advice.

Auto insurance coverage information

Having a good grasp of auto insurance helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverage types found on most auto insurance policies.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hail damage, rock chips in glass and hitting a deer. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability coverages – This will cover injuries or damage you cause to other people or property. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims like medical services, pain and suffering, emergency aid and court costs. How much coverage you buy is up to you, but buy higher limits if possible.

Collision coverages – This covers damage to your CTS Coupe resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like colliding with another moving vehicle, sideswiping another vehicle, sustaining damage from a pot hole, hitting a mailbox and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Insurance for medical payments – Med pay and PIP coverage kick in for expenses like ambulance fees, pain medications and doctor visits. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and damage to your Cadillac CTS Coupe.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So 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.

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