1. Vehicles
  2. Cadillac
  3. CTS-V Wagon
  4. 2012 Model Year

2012 Cadillac CTS-V Wagon Insurance Rates

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

UPDATED: Mar 16, 2020

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.

Looking for the cheapest car insurance rates for your Cadillac CTS-V Wagon? Have you had enough of not being able to afford each month for car insurance? You are no different than many other drivers. You have multiple auto insurance companies to choose from, and although it’s nice to have a selection, too many choices makes it more difficult to find the lowest cost provider.

It’s a good habit to do rate comparisons every six months because prices fluctuate regularly. Just because you found the lowest price on CTS-V Wagon insurance a year ago there may be better deals available now. You’ll find quite a bit of inaccurate information about car insurance on the internet, so by reading this article, you’re going to learn some excellent ideas to slash your car insurance rates.

Buying car insurance is not rocket science. If you are insured now or need new coverage, you can use these tips to cut your premiums while maintaining coverages. Drivers just need to know how to get comparison quotes online.

Why your Cadillac CTS-V Wagon insurance rates may be high

Smart consumers have a good feel for some of the elements that come into play when calculating your auto insurance rates. Understanding what determines base rates empowers consumers to make smart changes that will entitle you to big savings.

  • Occupation reflects on rates – Occupations such as doctors, architects and accountants are shown to have higher rates than average in part from stressful work requirements and lots of time spent at work. On the flip side, jobs such as pilots, athletes and retirees pay the least on CTS-V Wagon insurance.
  • Males pay more for insurance – Statistics have proven women are more cautious behind the wheel. That doesn’t necessarily mean that men are worse drivers. Men and women have accidents in similar numbers, but the men cause more damage. Men also statistically get more serious tickets like DUI and reckless driving. Young males are several times more likely to be in an accident and are penalized with high auto insurance rates.
  • One company can mean more discounts – Some auto insurance companies will give a discount to customers who buy several policies from them, otherwise known as a multi-policy discount. Even with this discount, it’s in your best interest to comparison shop to verify if the discount is saving money.
  • Your location is important – Living in a rural area is a positive aspect when insuring your vehicles. City drivers tend to have more traffic problems and a longer drive to work. Fewer drivers translates into fewer accidents and a lower car theft rate.
  • Don’t skimp on liability – Liability coverage provides coverage if you are found liable for damages caused by your negligence. Liability provides legal defense coverage starting from day one. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not cut corners here.
  • Cautious drivers pay less – Your driving citation history impacts your car insurance rates tremendously. Drivers with clean records have lower premiums than people who have multiple driving citations. Just one moving violation may increase your cost by twenty percent. Drivers who have severe citations like hit and run, DWI or reckless driving convictions may need to file a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.

How to Compare Car Insurance Costs

Finding cheaper 2012 Cadillac CTS-V Wagon car insurance prices is a fairly straight forward process. All that’s required is to invest a few minutes comparing rate quotes from different insurance companies. It is quite easy and can be accomplished in a couple of different ways.

  1. The single most time-saving way to get quotes for comparison is a comparison rater form click here to open form in new window. This type of form keeps you from doing multiple quote forms to each individual car insurance company. One form will return quotes instantly.
  2. A slightly less efficient method to shop for car insurance online consists of visiting each company’s website to complete a price quote. For examples sake, we’ll pretend you want to compare Allstate, Progressive and State Farm. You would have to spend time on each company’s site and enter your policy data, which is why most consumers use the first method.

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

  3. The least efficient way to compare rates is driving around to local insurance agencies. The ability to buy insurance online can eliminate the need for a local agent unless you have a need for the trained guidance of a local agent. However, consumers can obtain prices from the web but buy from a local insurance agent and we’ll touch on that later.

It’s your choice how you get your quotes, but compare the exact same coverages for each comparison quote. If your comparisons have mixed coverages it will be impossible to determine the best price for your Cadillac CTS-V Wagon.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

The fine print in auto insurance ads

Consumers can’t ignore all the ads for the lowest price auto insurance by companies like State Farm and Allstate. All the ads make the same claim of big savings if you move to them.

How does each company claim to save you money? This is how they do it.

Insurance companies have a preferred profile for the driver that makes them money. For instance, a preferred risk might be profiled as a mature driver, has no tickets, and chooses high deductibles. A customer getting a price quote who matches those parameters receives the best rates and therefore will save when they switch companies.

Potential customers who don’t qualify for the “perfect” profile will be quoted higher prices which usually ends up with business going elsewhere. The ad wording is “drivers who switch” not “everyone that quotes” save that much money. This is how insurance companies can confidently state the savings. This emphasizes why it is so important to get a wide range of price quotes. It’s impossible to know which auto insurance company will provide you with the cheapest Cadillac CTS-V Wagon insurance rates.

Take advantage of discounts

Companies that sell car insurance don’t necessarily list every discount in a way that’s easy to find, so we took the time to find some of the best known and also the lesser-known discounts you could be receiving. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
  • No Accidents – Good drivers with no accidents pay much less compared to drivers who are more careless.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
  • Save with a New Car – Buying coverage on a new vehicle is cheaper compared to insuring an older model.
  • 55 and Retired – Older drivers can possibly qualify for a discount up to 10% on CTS-V Wagon insurance.
  • Low Mileage – Fewer annual miles on your Cadillac can earn a substantially lower rate.
  • Defensive Driving Course – Completing a defensive driving course could cut 5% off your bill if your company offers it.
  • Government Employees – Being employed by or retired from a federal job may qualify you for a discount on CTS-V Wagon insurance with select insurance companies.
  • E-sign – A few companies will give a small break just for signing your application digitally online.
  • Discounts for Safe Drivers – Drivers who avoid accidents may save up to 50% more on CTS-V Wagon insurance than less cautious drivers.

It’s important to understand that some of the credits will not apply to the entire cost. Some only apply to the cost of specific coverages such as comp or med pay. Even though it may seem like it’s possible to get free car insurance, companies don’t profit that way.

Car insurance companies that may have these discounts include:

Double check with each company which discounts they offer. Savings may not be available everywhere.

How to know if you need help

When it comes to choosing proper insurance coverage, there is no one size fits all plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining whether your personal situation would benefit from professional advice.

  • What if I don’t agree with a claim settlement offer?
  • Does my insurance cover a custom paint job?
  • What is high-risk coverage and where do I buy it?
  • Where can I get insurance after a DUI in my state?
  • What is PIP insurance?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • How much liability do I need to cover my assets?

If you can’t answer these questions, then you may want to think about talking to an agent. To find an agent in your area, complete this form or click here for a list of insurance companies in your area. It only takes a few minutes and you can get the answers you need.

Insurance coverages and their meanings

Learning about specific coverages of insurance can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are the usual coverages offered by insurance companies.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for expenses like hospital visits, ambulance fees, X-ray expenses, rehabilitation expenses and prosthetic devices. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for liability

Liability insurance provides protection from injuries or damage you cause to other people or property. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability can pay for claims such as emergency aid, bail bonds and funeral expenses. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Cadillac CTS-V Wagon.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Collision coverage protection

This coverage covers damage to your CTS-V Wagon resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as driving through your garage door, damaging your car on a curb, crashing into a building, colliding with another moving vehicle and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive auto coverage

Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hitting a deer, damage from a tornado or hurricane, theft, damage from getting keyed and hail damage. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Stretch your dollar

Budget-conscious 2012 Cadillac CTS-V Wagon insurance can be bought from both online companies in addition to many insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance companies do not provide online price quotes and these regional insurance providers work with independent agents.

Throughout this article, we presented some good ideas how you can get a better price on insurance. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. Consumers could even find that the biggest savings come from some of the smallest insurance companies. They may only write in your state and offer lower rates compared to the large companies like GEICO and State Farm.

When buying insurance coverage, do not reduce needed coverages to save money. There have been many situations where drivers have reduced full coverage only to find out that the small savings ended up costing them much more. The ultimate goal is to purchase plenty of coverage at the best price while not skimping on critical coverages.

Even more information can be read in these articles:

Use our FREE quote tool to compare rates now!

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles