View 2004 Cadillac CTS Insurance Quotes

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Want better car insurance rates for your Cadillac CTS? Searching for the lowest cost car insurance on the internet is intimidating for consumers new to comparison shopping online. With such a large number of online companies available, how can you possibly compare every company to locate the best price?

It’s a good idea to check car insurance prices on a regular basis because prices go up and down regularly. Just because you found the best rates for CTS insurance a couple years back a different company probably has better rates today. Block out anything you think you know about car insurance because you’re about to learn the best methods to eliminate unnecessary coverages and save money.

If you currently have car insurance, you will be able to cut costs considerably using these methods. The purpose of this article is to introduce you to how to effectively get price quotes and some money-saving tips. But drivers need to learn how the larger insurance companies compete online.

Cadillac CTS rates are complex

An important part of buying insurance is that you know some of the elements that come into play when calculating your insurance coverage rates. Understanding what determines base rates empowers consumers to make smart changes that may reward you with better insurance coverage rates.

The list below includes a partial list of the pieces used by your company to calculate rates.

  • How your age affects price – Teen drivers are known to be more careless when driving so insurance coverage rates are higher. Adding a youthful driver onto your insurance coverage can be very expensive. More mature drivers are viewed as being more responsible, statistically cause fewer accidents and receive fewer citations.
  • Small claims can cost you – If you frequently file small claims, you can expect either higher rates or even cancellation. Auto insurance companies generally give better rates to people who do not rely on their insurance for small claims. Car insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • Pleasure use saves money – The higher the mileage driven in a year’s time the higher your rate. The majority of insurers apply a rate based on their usage. Cars and trucks not used for work or commuting can get a lower rate compared to those used for work or business. Ask your agent if your insurance coverage declarations sheet is rated on the correct usage for each vehicle, because it can save money. If your policy improperly rates your CTS may be costing you.
  • Having a spouse can save you money – Being married can get you a discount on insurance coverage. Having a significant other usually means you are more responsible and statistics show married drivers get in fewer accidents.
  • Multi-policy discounts can save money – Many insurers give discounts to insureds who have multiple policies with them. It’s known as a multi-policy discount. This can amount to five, ten or even twenty percent. If you currently are using one company, you may still want to shop around to make sure you are getting the best deal.
  • Rates may be lower depending on your job – Did you know that where you work can have an impact on rates? Careers like judges, architects and stock brokers tend to have the highest rates attributed to stressful work requirements and long work hours. On the other hand, occupations like farmers, students and homemakers receive lower rates for CTS insurance.
  • Your credit rating is important – Your credit score is a huge factor in your rate calculation. Consumers who have high credit scores tend to be less risk to insure than drivers who have lower ratings. If your credit history is low, you could save money insuring your 2004 Cadillac CTS by spending a little time repairing your credit.

Where Can I Get Cheap Insurance Coverage?

There are several ways of comparing price quotes and find the best price. The quickest method to find the cheapest 2004 Cadillac CTS insurance rates is to get quotes online. This can be done in several different ways.

  1. Probably the best way to get quotes for comparison is a comparison rater form (click to open form in new window). This easy form prevents you from having to do separate quote forms to each individual insurance coverage company. Taking the time to complete one form will return quotes from many national carriers. It’s the fastest way to compare.
  2. Another way to get quotes online requires you to visit the website for each individual company and complete a new quote form. For examples sake, let’s assume you want rates from Progressive, State Farm and Allstate. To get each rate you have to take the time to go to each site and enter your information, which is why most consumers use the first method.

    To view a list of companies in your area, click here.

  3. The hardest method to compare rates is driving to and from local insurance agencies. Buying insurance online eliminates the need for an insurance agent unless you have a need for the professional advice of a licensed agent. Drivers can get prices online and get advice from an agent in your area and you’ll learn how to do that later.

Whichever way you use, ensure you are comparing the exact same coverage information on every quote you get. If you enter different deductibles it will be next to impossible to determine which rate is truly the best. Just a small difference in coverage limits may cause a big price difference. Keep in mind that quoting more helps you find better pricing.

Don’t miss these discounts

Car insurance companies don’t always list every available discount very well, so we researched both well-publicized and also the lesser-known savings tricks you should be using.

  • Government Employees – Being employed by or retired from a federal job may qualify you for a discount for CTS insurance with certain companies.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
  • Senior Discount – Mature drivers may be able to get reduced rates for CTS insurance.
  • Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts can get savings of more than 20%.
  • New Vehicle Savings – Buying coverage on a new vehicle can save up to 30% since new cars are generally safer.

As a disclaimer on discounts, some credits don’t apply to the entire policy premium. Some only apply to the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears all the discounts add up to a free policy, it doesn’t quite work that way.

A partial list of companies who might offer some of the above discounts include:

Check with all companies you are considering what discounts are available to you. Savings may not apply in your area.

When might I need help?

When buying the best insurance coverage for your vehicles, there is no one size fits all plan. Every situation is different.

These are some specific questions could help you determine whether you might need professional guidance.

  • How can I get my company to pay me more for my totalled car?
  • Where can I find high-risk insurance?
  • Do I need motorclub coverage?
  • Can I drive in Mexico and have coverage?
  • Should I waive the damage coverage when renting a car?
  • Is my state a no-fault state?
  • Is my teenager covered with friends in the car?
  • Are split liability limits better than a combined single limit?
  • When would I need rental car insurance?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form.

Information about specific coverages

Learning about specific coverages of a insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like fire damage, hail damage, damage from flooding, hitting a deer and falling objects. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for bills like X-ray expenses, dental work, ambulance fees and surgery. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants as well as getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Cadillac CTS.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability insurance

Liability coverage will cover damage or injury you incur to people or other property. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims like repair costs for stationary objects, loss of income, pain and suffering, structural damage and attorney fees. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision protection

Collision insurance pays for damage to your CTS resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like crashing into a ditch, rolling your car and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

Quote more, save more

People switch companies for any number of reasons including questionable increases in premium, being labeled a high risk driver, poor customer service and even an unsatisfactory settlement offer. Regardless of your reason for switching companies, finding the right insurance coverage provider is not as hard as you think.

When you buy insurance online, don’t be tempted to reduce coverage to reduce premium. There are many occasions where someone dropped full coverage and learned later that it was a big mistake. Your goal should be to buy the best coverage you can find for the lowest price while still protecting your assets.

Low-cost 2004 Cadillac CTS insurance is possible from both online companies and also from your neighborhood agents, so compare prices from both to have the best selection. There are still a few companies who may not provide online quoting and many times these small, regional companies only sell through independent insurance agents.

Even more information can be read by following these links:

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles