2013 Cadillac CTS-V Wagon Car Insurance Quotes in 2024 – 7 Tips to Save

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

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 17, 2024

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Are you overwhelmed by the crazy number of auto insurance companies available to you? You have so many companies to choose from that it is a difficult challenge to find a more affordable company.

How to compare insurance rate quotes

Most companies like State Farm, Allstate and GEICO provide insurance quotes from their websites. Comparing prices online is pretty painless because you just enter into the quote form. When complete, their quoting system orders information on your driving record and credit history and provides a quote based on the information you submitted.

Being able to quote online makes comparing rates easy, but the time it takes to visit multiple sites and type in the same information is monotonous and tiresome. But it’s also necessary to do this in order to get the best price on insurance.

A better way to locate the lowest prices uses just one form to get prices from many companies. It saves time, reduces the work, and makes comparison shopping much more efficient. As soon as you send your information, your coverage is rated and you can choose any or none of the returned quotes.

If you find a better price it’s easy to complete the application and purchase coverage. The whole process takes less than 15 minutes and may save quite a bit of money.

To save time and compare rates now, simply enter your zip code here and submit your coverage information. If you have your current policy handy, we recommend that you enter deductibles and limits as shown on your current policy. This ensures you will have comparison quotes based on the exact same insurance coverage.

Lower rate quotes with these seven insurance discounts

Insurance is neither fun to buy or cheap, but you may be missing some discounts to help offset the cost. Many of these discounts will be applied automatically when you quote, but less common discounts must be specially asked for before you will receive the discount.

  • Passive Restraints – Factory air bags or automatic seat belts may qualify for discounts of 20 to 30 percent.
  • Paper-free Discount – Many insurance companies may give you up to $50 shop car insurance over the internet.
  • Discount for Life Insurance – Select companies reward you with lower premium rates if you buy a life policy as well.
  • Employee of Federal Government – Active or former government employment may qualify for a discount when you quote car insurance for CTS-V Wagon insurance with certain companies.
  • Bundle and Save – If you insure your home and vehicles and insure them with the same company you will save up to 20% and get you low cost car insurance.
  • Distant College Student Discount – Older children living away from home attending college and do not take a car to college can receive lower rates.
  • Pay Upfront and Save – If you pay your entire premium ahead of time rather than paying monthly you can avoid monthly service charges.

It’s important to understand that most credits do not apply to your bottom line cost. The majority will only reduce individual premiums such as collision or personal injury protection. So when it seems like you can get free auto insurance, companies wouldn’t make money that way.

A few popular companies and a selection of discounts include:

  • State Farm policyholders can earn discounts including Steer Clear safe driver discount, good driver, student away at school, passive restraint, driver’s education, accident-free, and safe vehicle.
  • GEICO has discounts for five-year accident-free, daytime running lights, anti-theft, federal employee, membership and employees, driver training, and good student.
  • Progressive may include discounts for multi-policy, online quote discount, online signing, continuous coverage, good student, and homeowner.
  • 21st Century may offer discounts for automatic seat belts, air bags, theft prevention, good student, teen driver, and 55 and older.
  • American Family may have discounts that include accident-free, Steer into Savings, multi-vehicle, bundled insurance, air bags, early bird, and defensive driver.
  • The Hartford offers premium reductions for defensive driver, good student, air bag, vehicle fuel type, and bundle.
  • AAA discounts include good driver, multi-car, AAA membership discount, pay-in-full, good student, multi-policy, and education and occupation.

If you need cheaper car insurance quotes, ask all the companies which discounts can lower your rates. Some discounts might not be available to policyholders in your area. For a list of insurers that offer multiple discounts, enter your zip code here.

Insurance coverage can get complicated

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For example, these questions may help you determine if your situation would benefit from an agent’s advice.

  • Are rock chip repairs covered?
  • Should I put collision coverage on all my vehicles?
  • Why am I required to get a high-risk car insurance policy?
  • Am I covered if hit by an uninsured driver?
  • Does having multiple vehicles earn me a discount?
  • Can I rate high risk drivers on liability-only vehicles?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find an agent in your area, take a second and enter your zip code.

Learn about insurance coverages for a Cadillac CTS-V Wagon

Knowing the specifics of insurance can help you determine which coverages you need at the best deductibles and correct 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 covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like vandalism, hitting a bird, damage from a tornado or hurricane, falling objects and hail damage. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for collisions

This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like crashing into a building, crashing into a ditch, backing into a parked car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.


This will cover damage that occurs to other people or property. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers claims like legal defense fees, repair costs for stationary objects, medical expenses and attorney fees. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as damage to your Cadillac CTS-V Wagon.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Usually these limits are set the same as your liability limits.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for expenses for things like ambulance fees, funeral costs and hospital visits. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

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