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2013 Cadillac CTS-V Wagon Insurance Rates

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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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UPDATED: Mar 16, 2020

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Searching for the cheapest auto insurance rates for your Cadillac CTS-V Wagon? Locating the cheapest insurance for a new or used Cadillac CTS-V Wagon can normally be a painful process, but you can use a few tricks to make it easier. There is a better way to compare auto insurance rates so you’re going to learn the best way to price shop coverage for a new or used Cadillac and locate the cheapest rates from local insurance agents and online providers.

It’s important to take a look at other company’s rates at least once a year since insurance rates are usually higher with each renewal. Just because you found the best price for CTS-V Wagon insurance a couple years back a different company probably has better rates today. Starting now, forget all the misinformation about auto insurance because it’s time to teach you how to quote online to save money, get proper coverage and the best rates.

Discounts on 2013 Cadillac CTS-V Wagon insurance

Companies do not advertise all available discounts in a way that’s easy to find, so the following is a list of both well-publicized as well as the least known auto insurance savings. If you aren’t receiving every discount available, you’re paying more than you need to.

  • Employee of Federal Government – Active or retired federal employment can earn a discount up to 10% for CTS-V Wagon insurance with select insurance companies.
  • Good Student Discount – This discount can earn a discount of 20% or more. This discount can apply well after school through age 25.
  • Homeowners Savings – Being a homeowner may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.
  • College Student – Children who are attending college without a vehicle on campus may qualify for this discount.
  • Passive Restraints – Factory air bags or motorized seat belts can receive discounts of up to 25% or more.
  • Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can avoid accidents and therefore earn up to a 10% discount.

It’s important to note that most of the big mark downs will not be given to the overall cost of the policy. Most cut the price of certain insurance coverages like medical payments or collision. Just because you may think all those discounts means the company will pay you, companies don’t profit that way.

For a list of insurance companies offering auto insurance discounts, follow this link.

How to Get Insurance Coverage

All the larger insurance coverage companies provide prices for coverage online. Getting online rates doesn’t take much effort as you just enter the coverages you want as requested by the quote form. When the form is submitted, their system sends out for your credit score and driving record and quotes a price based on these and other factors.

Being able to quote online makes comparing rates easy, but the process of having to visit each company’s website and repetitively fill out multiple forms is not the best way to spend an afternoon. But it’s absolutely necessary to have as many quotes as possible in order to get better prices.

Quote rates the easy way

The smarter way to locate the lowest prices is to use a quote form that obtains quotes from more than one company. This type of form saves time, eliminates form submissions, and makes comparison shopping much more enjoyable and efficient. After sending the form, it is rated and you are able to buy any or none of the price quotes you receive. If you find a better price you can click and sign and buy the policy. It just takes a couple of minutes and can result in significant savings.

To quickly find out if lower rates are available, click here to open in new window and input your coverage information. If you have coverage now, it’s recommended you duplicate your coverages identical to your current policy. Using the same limits helps guarantee you’re receiving a price comparison based on similar coverages.

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Tailor your coverage to you

When it comes to choosing coverage, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs.

For instance, these questions may help you determine whether your personal situation may require specific advice.

  • Should I buy full coverage?
  • Am I missing any policy discounts?
  • Why does it cost so much to insure a teen driver?
  • Is my cargo covered for damage or theft?
  • Should I waive the damage coverage when renting a car?
  • What is PIP insurance?
  • Does my 2013 Cadillac CTS-V Wagon qualify for pleasure use?
  • I don’t drive much so do I pay less?
  • Do I have coverage if my license is suspended?

If it’s difficult to answer those questions, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Coverage specifics

Learning about specific coverages of insurance helps when choosing the right coverages for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive coverage

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as vandalism, fire damage, hitting a deer and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for expenses like chiropractic care, X-ray expenses, funeral costs and hospital visits. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. They cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your 2013 Cadillac CTS-V Wagon.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Collision coverage

Collision insurance will pay to fix damage to your CTS-V Wagon resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as crashing into a building, colliding with a tree, rolling your car and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Coverage for liability

Liability coverage protects you from damages or injuries you inflict on a person or their property in an accident. This coverage protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things such as repair bills for other people’s vehicles, pain and suffering, medical expenses, medical services and bail bonds. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Be a penny pincher

We covered a lot of techniques to compare 2013 Cadillac CTS-V Wagon insurance prices online. The most important thing to understand is the more companies you get rates for, the better your comparison will be. You may even discover the biggest savings come from the least-expected company.

Budget-conscious insurance can be found online as well as from independent agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some auto insurance companies don’t offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

Consumers switch companies for a variety of reasons including lack of trust in their agent, delays in paying claims, questionable increases in premium or even extreme rates for teen drivers. It doesn’t matter what your reason, finding a great new company is less work than it seems.

To read more, take a look at the articles below:

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.

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