2005 Cadillac CTS Car Insurance Cost

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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 ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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If online auto insurance comparisons are new to you, you may be confused by the vast number of companies offering coverage.

You should make it a habit to check auto insurance prices every six months since rates are variable and change quite frequently. Even if you think you had the lowest price on CTS insurance on your last policy other companies may now be cheaper. So forget anything you know (or think you know) about auto insurance because we’re going to show you how to use the internet to find better rates and still maintain coverage.

Car Insurance Quote Comparison

Most companies such as Progressive, GEICO, Allstate and State Farm give pricing on their websites. This process is quite easy as you simply type in the amount of coverage you want as requested by the quote form. Once entered, the company’s rating system collects your credit score and driving record and generates a price.

Quoting online makes comparing rates easy, but the time it takes to visit a lot of sites and complete many quote forms is repetitive and time-consuming. But it’s absolutely necessary to do this if you want to find lower prices.

The better way to compare rates

A quicker way to find better car insurance pricing makes use of a single form that obtains quotes from a lot of companies. It’s a real time-saver, eliminates repetitive work, and makes comparison shopping much easier. After your information is entered, it is rated and you are able to buy any of the quotes returned.

If a lower price is quoted, it’s easy to complete the application and purchase coverage. This process can be completed in less than 10 minutes and may result in a nice savings.

To quickly compare rates now, click here to open in a new tab and complete the simple form. If you have a policy now, it’s recommended you replicate coverages and limits identical to your current policy. This ensures you will have rate quotes based on the exact same insurance coverage.

Discounts are available to cut your rates

Insuring your fleet can be pricey, but companies offer discounts that you may not know about. Certain discounts will be triggered automatically when you purchase, but less common discounts must be inquired about before being credited.

  • Sign Online – Some insurance companies will give a small break just for signing your application online.
  • Memberships – Being a member of a professional or civic organization may earn a discount when shopping for insurance coverage on CTS insurance.
  • Discount for Good Grades – Performing well in school can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
  • Driver Safety – Taking part in a course in driver safety could cut 5% off your bill if you qualify.
  • Homeowners Pay Less – Being a homeowner may earn you a small savings because of the fact that having a home shows financial diligence.
  • No Charge for an Accident – Some insurance companies will forgive one accident before hitting you with a surcharge if your claims history is clear for a set time period.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts could cut 10% or more on the medical payments or PIP coverage costs.

As a disclaimer on discounts, some credits don’t apply the whole policy. A few only apply to the price of certain insurance coverages like liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, you’re out of luck. Any qualifying discounts will cut your overall premium however.

For a list of insurers who offer insurance coverage discounts, click here.

Everyone needs different coverages

When it comes to buying the best auto insurance coverage for your vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s.

These are some specific questions could help you determine whether or not you might need an agent’s assistance.

  • Where can I find high-risk insurance?
  • Does my liability insurance cover pulling a trailer or camper?
  • What is roadside assistance coverage?
  • Do all my vehicles need collision coverage?
  • Does my insurance cover a custom paint job?
  • At what point should I drop full coverage?
  • Why am I required to buy high-risk coverage?
  • If my pet gets injured in an accident are they covered?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form.

Educate yourself about insurance coverages

Having a good grasp of insurance aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive insurance

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, fire damage, rock chips in glass, damage from flooding and hitting a bird. The maximum amount a 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 not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Cadillac CTS.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as nursing services, hospital visits and EMT expenses. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers you and your occupants in addition to any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Collision insurance

Collision insurance covers damage to your CTS resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as backing into a parked car, scraping a guard rail, sideswiping another vehicle, colliding with a tree and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Liability coverage

Liability insurance can cover damage or injury you incur to a person or their property. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Occasionally you may see a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like attorney fees, medical services, emergency aid, repair bills for other people’s vehicles and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

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