Cheapest 2006 Cadillac CTS Insurance Rates in 2023
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UPDATED: Aug 23, 2022
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Searching for the cheapest insurance for a new or used Cadillac CTS can be difficult, but you can follow the following methods to save time. There is a right way and a wrong way to shop for insurance so we’re going to tell you the absolute fastest way to price shop coverage on a Cadillac and locate the lowest possible price.
Get lower rates on Cadillac CTS insurance
Companies offering auto insurance don’t always list every discount in an easy-to-find place, so we took the time to find some of the best known as well as the least known savings tricks you should be using. If they aren’t giving you every credit available, you are paying more than you should be.
- Memberships – Affiliation with certain professional organizations is a good way to get lower rates on your policy for CTS coverage.
- College Student – Kids in college who attend school more than 100 miles from home and don’t have a car can receive lower rates.
- Defensive Driving Course – Completing a defensive driving course could cut 5% off your bill if you qualify.
- Good Student Discount – Getting good grades can save 20 to 25%. The discount lasts well after school through age 25.
- No Accidents – Claim-free drivers can save substantially when compared to bad drivers.
- Homeowners Savings – Simply owning a home may earn you a small savings because of the fact that having a home demonstrates responsibility.
- Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt can save 10% or more off your PIP or medical payments premium.
- One Accident Forgiven – Some insurance companies will allow you to have one accident before raising your premiums if your claims history is clear for a particular time prior to the accident.
- Military Rewards – Having a deployed family member could mean lower rates.
- New Vehicle Savings – Buying coverage on a new vehicle is cheaper because new vehicles have to meet stringent safety requirements.
Consumers should know that some credits don’t apply to all coverage premiums. Some only apply to the price of certain insurance coverages like comp or med pay. So when the math indicates you would end up receiving a 100% discount, auto insurance companies aren’t that generous.
Car insurance companies that possibly offer these discounts are:
Before buying, ask each insurance company how you can save money. Discounts may not be available everywhere.
Tailor your coverage to you
When buying proper insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Every insured’s situation is different.
For example, these questions could help you determine whether your personal situation would benefit from professional advice.
- What happens if I owe more than my 2006 Cadillac CTS is worth?
- Do I have coverage for damage caused while driving under the influence?
- Do I need more liability coverage?
- What is an SR-22 filing?
- What exactly is covered by my policy?
- Should I put collision coverage on all my vehicles?
- How can I get my company to pay me more for my totalled car?
- Is business property covered if stolen from my car?
- Am I covered if I drive in a foreign country?
If you can’t answer these questions but you know they apply to you, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and can provide invaluable advice.
What insurance coverages do you need?
Learning about specific coverages of your policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement.
UM/UIM (Uninsured/Underinsured Motorist) coverage
This coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2006 Cadillac CTS.
Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.
Comprehensive auto coverage
Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims such as damage from getting keyed, damage from flooding, theft and hitting a bird. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
Liability insurance can cover damage that occurs to other’s property or people. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.
Liability can pay for things like loss of income, bail bonds, repair bills for other people’s vehicles, repair costs for stationary objects and medical expenses. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.
Medical payments and PIP coverage
Coverage for medical payments and/or PIP kick in for expenses such as X-ray expenses, hospital visits and nursing services. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay
Collision insurance pays for damage to your CTS caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against things like colliding with another moving vehicle, sideswiping another vehicle and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.
Better coverage you can count on
We just covered a lot of ways to save on 2006 Cadillac CTS insurance. The key thing to remember is the more companies you get rates for, the better your comparison will be. You may be surprised to find that the lowest rates come from the least-expected company.
When trying to cut insurance costs, make sure you don’t reduce needed coverages to save money. There are a lot of situations where drivers have reduced liability limits or collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy enough coverage at a price you can afford, not the least amount of coverage.
Insureds change insurance companies for a number of reasons such as an unsatisfactory settlement offer, denial of a claim, policy non-renewal or policy cancellation. Whatever your reason, finding a great new company can be pretty painless.
For more information, link through to these articles:
- Information for Teen Drivers (GEICO)
- Side Impact Crash Tests (iihs.org)
- What are my Rights when Filing a Claim? (Insurance Information Insitute)
- Distracted Driving Extends Beyond Texting (State Farm)
- Things to Know Before you Cancel Insurance (Allstate)
- Crash Avoidance Technologies FAQ (iihs.org)
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