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2014 Cadillac CTS Coupe 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: Nov 23, 2017

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No one in their right mind looks forward to paying for car insurance, in particular when their premiums are through the roof. There is such a variety of insurance companies to choose from, and though it is a good thing to have a choice, lots of choices makes it harder to compare rates and cut insurance costs.

Get lower rates on 2014 Cadillac CTS Coupe insurance

Insurance can be prohibitively expensive, but you may find discounts that can drop the cost substantially. Most are applied at the time of purchase, but some may not be applied and must be asked about in order for you to get them. If they aren’t giving you every credit you qualify for, you are throwing money away.

  • Own a Home – Being a homeowner can save you money because of the fact that having a home requires personal responsibility.
  • Memberships – Belonging to a qualifying organization may earn a discount on insurance on CTS Coupe insurance.
  • Bundle and Save – If you have multiple policies with the same insurance company you could get a discount of up to 20% off your total premium.
  • Accident Waiver – A few companies permit an accident without raising rates if you are claim-free for a particular time prior to the accident.
  • Discount for New Cars – Putting insurance coverage on a new car is cheaper since new cars are generally safer.
  • Safety Course Discount – Taking part in a course in driver safety could possibly earn you a 5% discount if your company offers it.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching to them prior to your current policy expiration. The savings is around 10%.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts can save 10% or more off the personal injury premium cost.
  • Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% on CTS Coupe insurance with a few insurance companies.

A little note about advertised discounts, most discounts do not apply to the entire policy premium. Some only reduce specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears all the discounts add up to a free policy, you won’t be that lucky. Any amount of discount will cut the amount you have to pay.

A partial list of companies who might offer these discounts include:

Check with each insurance company what discounts are available to you. Some discounts may not be available everywhere.

How to Get Auto Insurance

Most companies such as State Farm, Allstate and GEICO quote coverage price quotes online. Obtaining pricing is quite easy as you just enter your personal and coverage information into the quote form. After the form is submitted, their system pulls reports for credit and driving violations and returns pricing information. Online price quotes makes comparing rates easy, but the work required to visit several different sites and complete many quote forms is repetitive and time-consuming. Unfortunately, it is important to compare as many rates as possible if you are searching for the best price possible.

The quickest way to find better auto insurance pricing makes use of a single form that analyzes rates from more than one company. The form is fast, eliminates form submissions, and makes online shopping much more efficient. As soon as you send your information, it is rated with multiple companies and you can pick any one of the pricing results.

If a lower price is quoted, it’s easy to complete the application and purchase the new policy. It can be completed in less than 10 minutes and you’ll know if lower rates are available.

To compare rates now, click here to open in a new tab and submit the form. If you have coverage now, it’s recommended you input the coverages identical to your current policy. This makes sure you will get comparison quotes for the exact same coverage.

Tailor your coverage to you

When buying adequate coverage, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions can aid in determining if you will benefit from professional help.

  • Are there companies who specialize in insuring high-risk drivers?
  • Does my personal policy cover me when driving out-of-state?
  • Do I need rental car coverage?
  • Are rock chip repairs covered?
  • Are my tools covered if they get stolen from my vehicle?
  • Is a blown tire covered by insurance?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Auto insurance coverages and their meanings

Understanding the coverages of a auto insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Auto insurance terms can be ambiguous and coverage can change by endorsement. These are the normal coverages available from auto insurance companies.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like prosthetic devices, funeral costs and chiropractic care. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Auto liability

This provides protection from damage or injury you incur to other’s property or people. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like pain and suffering, medical services, court costs, funeral expenses and emergency aid. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Coverage for collisions

Collision coverage covers damage to your CTS Coupe resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like crashing into a building, crashing into a ditch and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Comprehensive coverages

This pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like vandalism, hitting a deer, falling objects and a broken windshield. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured and underinsured coverage

This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2014 Cadillac CTS Coupe.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Keep this in mind

Discount 2014 Cadillac CTS Coupe insurance can be bought both online and also from your neighborhood agents, so you should be comparing quotes from both to get a complete price analysis. Some companies may not provide online quoting and these smaller companies work with independent agents.

As you shop your coverage around, never reduce coverage to reduce premium. There have been many situations where consumers will sacrifice full coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your focus should be to get the best coverage possible at an affordable rate while still protecting your assets.

To learn more, link through to the resources below:

Free Auto Insurance Comparison

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