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2013 Cadillac CTS 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: Jun 12, 2015

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Want better insurance rates for your Cadillac CTS Wagon? Finding the most affordable insurance on the web may be difficult for consumers new to buying insurance online. Because there are so many choices, how can you have a chance to compare the different rates to find the lowest rates?

Elements that influence Cadillac CTS Wagon insurance rates

An important part of buying insurance is that you know the different types of things that play a part in calculating insurance rates. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

  • Marriage pays dividends – Getting married can actually save you money on your insurance policy. Having a significant other translates into being more mature and it’s proven that married drivers get in fewer accidents.
  • Never allow your policy to lapse – Driving without insurance is a misdemeanor and your next policy will cost more because you let your insurance expire. And not only will your rates increase, but not being able to provide proof of insurance can result in a hefty fine and possibly a revoked license.Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • Proper usage rating affects rates – Driving more miles every year the more you’ll pay to insure your vehicle. Almost all companies price each vehicle’s coverage based on their usage. Cars and trucks left parked in the garage receive lower rates than those used for commuting. Make sure your insurance coverage properly reflects the proper vehicle usage, because improper ratings can cost you money. Incorrect usage on your CTS Wagon may be costing you.
  • Clean credit earns discounts – A driver’s credit score is a big factor in your rate calculation. If your credit rating is lower than you’d like, you could pay less to insure your 2013 Cadillac CTS Wagon by repairing your credit. People with good credit tend to be more responsible than drivers who have poor credit.
  • Mature drivers pay less – Young drivers tend to get distracted easily behind the wheel so they pay higher insurance rates. Adding a teenage driver to your insurance policy can be very expensive. Older drivers are more responsible, statistically cause fewer accidents and tend to be better behind the wheel.
  • Men are more aggressive – Statistics have proven that men are more aggressive behind the wheel. However, this does not mean men are worse drivers. Women and men tend to get into accidents in similar percentages, but men have costlier accidents. Men also get more serious tickets like reckless driving and DUI. Youthful male drivers are several times more likely to be in an accident and therefore have the most expensive insurance rates.
  • Claim-free discounts can add up – Insurance companies award lower rates to insureds who do not rely on their insurance for small claims. If you frequently file small claims, you can definitely plan on higher rates. Your insurance policy is designed for the large, substantial claims.
  • Higher safety ratings means cheaper insurance – Vehicles with high crash test scores can get you lower premiums. Safe vehicles reduce injuries and better occupant protection means less money paid by your insurance company and more competitive rates for policyholders. If your Cadillac is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.

Lower rates by qualifying for discounts

Companies offering auto insurance do not advertise all their discounts very clearly, so we researched some of the more common as well as the least known savings tricks you should be using.

  • Drivers Education – Have your child take driver’s ed class in high school.
  • Multiple Cars – Buying insurance for all your vehicles with the same company could earn a price break for each car.
  • Government Employees – Simply working for the federal government can earn a discount up to 10% for CTS Wagon insurance depending on your company.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for CTS Wagon insurance than drivers with accidents.
  • Defensive Driving Course – Completing a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Memberships – Participating in a professional or civic organization is a good way to get lower rates on your policy for CTS Wagon insurance.
  • Own a Home – Simply owning a home may trigger a insurance coverage policy discount due to the fact that maintaining a home requires personal responsibility.
  • Accident Free – Good drivers with no accidents can save substantially as compared to frequent claim filers.

Consumers should know that most of the big mark downs will not be given the whole policy. The majority will only reduce specific coverage prices like comprehensive or collision. Just because you may think you would end up receiving a 100% discount, it doesn’t quite work that way.

Car insurance companies who might offer some of the above discounts are:

It’s a good idea to ask each company how you can save money. Some discounts might not apply in your state.

The insurance coverage bait and switch

Companies like Allstate and Progressive constantly bombard you with ads on television and other media. All the ads say the same thing that you’ll save big if you switch your coverage to them. But how can every company say the same thing?

All the different companies have a certain “appetite” for the right customer that earns them a profit. For example, a profitable customer could be between 25 and 40, is a homeowner, and drives less than 10,000 miles a year. A customer who matches those parameters is entitled to the best price and is almost guaranteed to pay quite a bit less when switching companies.

Potential insureds who fall outside the requirements will have to pay higher prices and ends up with business not being written. The ads state “customers who switch” not “people who quote” save that much money. That’s why companies can make those claims. Because of the profiling, drivers must get a wide range of price quotes. Because you never know which insurance coverage company will have the lowest Cadillac CTS Wagon insurance rates.

Car insurance is unique, just like you

When buying proper insurance coverage, there isn’t really a one size fits all plan. Every insured’s situation is different.

For instance, these questions might point out whether your personal situation might need an agent’s assistance.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • Is my camper covered by my car insurance policy?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Do I need to file an SR-22 for a DUI in my state?
  • Do I need higher collision deductibles?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form.

Car insurance coverage specifics

Knowing the specifics of your car insurance policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Insurance for medical payments

Med pay and PIP coverage reimburse you for bills such as funeral costs, rehabilitation expenses, doctor visits and surgery. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Coverage for collisions

Collision insurance pays for damage to your CTS Wagon resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like damaging your car on a curb, crashing into a building, sustaining damage from a pot hole and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

This pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like falling objects, rock chips in glass, fire damage and damage from flooding. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability auto insurance

Liability coverage provides protection from injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims such as repair costs for stationary objects, legal defense fees and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

A penny saved is a penny earned

You just read a lot of tips how to shop for 2013 Cadillac CTS Wagon insurance online. It’s most important to understand that the more providers you compare, the better your chances of lowering your rates. You may be surprised to find that the best price on car insurance is with the least-expected company.

While you’re price shopping online, do not buy poor coverage just to save money. In too many instances, consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to buy the best coverage you can find at a price you can afford while still protecting your assets.

Consumers leave their current company for a number of reasons such as unfair underwriting practices, poor customer service, high rates after DUI convictions and lack of trust in their agent. Whatever your reason, switching car insurance companies can be easier than you think.

Additional car insurance information can be found at these links:

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