2014 Cadillac CTS-V Wagon 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 17, 2024

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Searching for lower insurance rates for your Cadillac CTS-V Wagon? Are you kicking yourself for buying high-priced insurance? Say no more because many consumers are in the same pinch.

Many auto insurance companies vie to insure your vehicles, and because of this it can be hard to compare insurance companies to discover the definitive best rates possible.

You should take the time to get comparison quotes before your policy renews since rates trend upward over time. Despite the fact that you may have had the best deal on CTS-V Wagon coverage a few years ago you will most likely find a better price today. Forget anything you know (or think you know) about insurance because you’re going to learn one of the easiest ways to reduce your cost while increasing coverage.

If you currently have car insurance, you stand a good chance to be able to save some money using these techniques. Buying car insurance is not that difficult. Although vehicle owners need to learn how big insurance companies determine prices because it can help you find the best coverage.

Insurance premium influencing factors

Many things are part of the equation when pricing auto insurance. A few of the factors are predictable such as your driving history, although some other factors are more transparent such as your credit history or how financially stable you are. When buying auto insurance it’s important to understand some of the factors that go into determining the rates you pay for auto insurance. When you know what positively or negatively determines premiums, this empowers consumers to make smart changes that could help you find lower auto insurance prices.

  • Always keep your policy in place – Driving without insurance coverage in place is not a good idea and you will pay a penalty because you let your insurance lapse. And not only will insurance be more expensive, being ticketed for driving with no insurance could earn you a fine, jail time, or a revoked license.
  • Discounts for multiple policies – Some insurers provide discounts to insureds who buy several policies from them such as combining an auto and homeowners policy. The amount of the discounts can be ten or even up to twenty percent in some cases. Even if you qualify for this discount already, you may still want to compare other company rates to confirm you are receiving the best rates possible. You may still save even more by buying from different companies.
  • Pleasure use or commuting – The more miles you rack up on your Cadillac in a year’s time the more it will cost to insure it. A lot of insurance companies calculate prices based upon how the vehicle is primarily used. Cars left parked in the garage qualify for better rates than those used for commuting. Incorrect rating for your CTS-V Wagon may be wasting your money. Verify your auto insurance policy correctly shows the correct usage, because it can save money.
  • Optional features that cut rates – Selecting a car model with an alarm system can earn a premium discount. Theft deterrent systems such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping auto theft.
  • Amount of liability protection – Liability coverage is the coverage that protects you if ever a jury decides you are liable for personal injury or accident damage. Liability insurance provides you with a defense in court to defend your case. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not cut corners here.
  • How’s your driving record? – Only having one citation can increase rates twenty percent or more. Attentive drivers get better prices than bad drivers. Drivers who have flagrant tickets such as reckless driving, hit and run or driving under the influence may find they need to maintain a SR-22 with their state’s department of motor vehicles in order to prevent a license revocation.
  • More people means more accidents – Being located in areas with lower population has definite advantages when insuring your vehicles. Less people means a lower chance of having an accident. Urban drivers have more traffic problems and longer commutes to work. The longer drive time means more chances of being involved in an auto accident.

The fastest way that we advise to compare policy rates is to know the trick car insurance companies provide online access to compare their rates. The only thing you need to do is take a few minutes to give details such as level of coverage desired, the type of vehicles you drive, types of safety features, and whether you have decent credit. That rating data is automatically sent to multiple companies and they provide comparison quotes immediately.

More affordable rates with these auto insurance discounts

Car insurance companies don’t always publicize every possible discount in an easy-to-find place, so the following is a list of some of the best known and the more hidden credits available to lower your premiums when you buy car insurance online. If you check and find you aren’t receiving every discount available, you could be getting lower rates.

  • Senior Discount – Older drivers may be able to get a discount up to 10% on CTS-V Wagon coverage.
  • Waiver for an Accident – Not necessarily a discount, but some companies like Liberty Mutual, Allstate and State Farm permit an accident before raising your premiums as long as you don’t have any claims for a set time period.
  • Defensive Driver – Completing a class that teaches defensive driver techniques may get you a small discount and also improve your driving technique.
  • Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class in high school.
  • Membership in Organizations – Belonging to a professional or civic organization could qualify you for a break when getting a car insurance quote.
  • Discount for Life Insurance – Larger companies have lower prices if you buy a life insurance policy as well.
  • Theft Prevention System – Cars and trucks equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen so companies will give you a small discount.
  • No Accidents – Claim-free drivers pay less when compared with accident-prone drivers.
  • Passive Restraints and Air Bags – Vehicles with factory air bags may get savings of 20 to 30 percent.

You can save money using discounts, but most of the big mark downs will not be given to the overall cost of the policy. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though the math looks like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

Large auto insurance companies and a partial list of their discounts are included below.

  • Mercury Insurance offers premium reductions for location of vehicle, anti-theft, multi-policy, professional/association, multi-car, age of vehicle, and accident-free.
  • Farmers Insurance may have discounts that include mature driver, switch companies, teen driver, pay in full, multi-car, and electronic funds transfer.
  • Farm Bureau includes discounts for driver training, youthful driver, multi-vehicle, multi-policy, and renewal discount.
  • State Farm may offer discounts for Steer Clear safe driver discount, accident-free, multiple autos, good driver, Drive Safe & Save, and defensive driving training.
  • Allstate discounts include premier discount, anti-lock brakes, 55 and retired, auto/life discount, and anti-theft.
  • GEICO may include discounts for defensive driver, multi-vehicle, federal employee, multi-policy, driver training, and seat belt use.

If you need inexpensive car insurance quotes, ask every insurance company which discounts you qualify for. A few discounts may not apply to policies in your area. To view auto insurance companies that provide some of the discounts listed above, enter your zip code here.

Insurance coverage can get complicated

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions might help in determining whether or not you will benefit from professional help.

  • Can my teen driver be rated on a liability-only vehicle?
  • What is UM/UIM insurance?
  • Do I pay less for low miles?
  • Why do I need rental car insurance?
  • What if I total my 2014 Cadillac CTS-V Wagon and owe more than it’s worth?
  • Will I lose any money if I cancel my policy before it expires?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out your zip code.

Car insurance policy coverages for a 2014 Cadillac CTS-V Wagon

Having a good grasp of your policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are the normal coverages found on most car insurance policies.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as dental work, funeral costs, doctor visits and chiropractic care. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers you and your occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and damage to your 2014 Cadillac CTS-V Wagon.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Coverage for collisions

This pays for damage to your CTS-V Wagon caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as backing into a parked car, hitting a mailbox, crashing into a ditch and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Liability coverage

Liability coverage protects you from damage or injury you incur to a person or their property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged property.

Liability coverage protects against things like attorney fees, court costs, medical services and pain and suffering. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as a broken windshield, damage from a tornado or hurricane, damage from getting keyed, a tree branch falling on your vehicle and hitting a bird. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

The best insurance company isn’t always the cheapest

Cheaper insurance coverage can be bought from both online companies in addition to local insurance agencies, and you should compare rates from both in order to have the best price selection to choose from. A few companies may not offer online price quotes and these small, regional companies only sell through independent agents.

While you’re price shopping online, it’s a bad idea to buy less coverage just to save a little money. There are too many instances where an accident victim reduced full coverage and discovered at claim time that the savings was not a smart move. The goal is to find the BEST coverage for the lowest cost, not the least amount of coverage.

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