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2014 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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Want better car insurance rates for your Cadillac CTS-V Wagon? Trying to find better insurance prices for a new or used Cadillac CTS-V Wagon can normally be an all-consuming task, but you can learn our car insurance buying tips to find lower rates. There are more efficient ways to compare car insurance rates and you need to know the best way to get price quotes for your Cadillac and locate the best price possible from both online companies and local agents.

It’s a good idea to check car insurance prices on a regular basis because prices are usually higher with each renewal. Just because you found the best rates on CTS-V Wagon insurance six months ago you can probably find a lower rate today. There is a lot of bad information regarding car insurance online but by reading this article, you’re going to learn some solid techniques on how to save money.

Discounts on Cadillac CTS-V Wagon insurance

Companies that sell car insurance don’t always publicize all their discounts very well, so we break down both well-publicized and the harder-to-find savings tricks you should be using. If you don’t get every credit you deserve, you are paying more than you should be.

  • Save over 55 – Mature drivers can possibly qualify for a discount up to 10% on CTS-V Wagon insurance.
  • Accident Forgiveness – Some insurance companies allow you one accident before hitting you with a surcharge as long as you don’t have any claims for a particular time prior to the accident.
  • Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
  • Government Employees – Active or retired federal employment could cut as much as 10% off on CTS-V Wagon insurance depending on your company.
  • Military Discounts – Having a family member in the military may qualify for rate reductions.
  • No Claims – Drivers who don’t have accidents pay less compared to drivers who are more careless.

Consumers should know that some of the credits will not apply to the entire policy premium. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like all those discounts means the company will pay you, it doesn’t quite work that way.

For a list of companies with the best insurance discounts, click this link.

Cadillac CTS-V Wagon insurance rates are influenced by…

Consumers need to have an understanding of the different types of things that play a part in calculating the price you pay for insurance. Understanding what influences your rates helps enable you to make changes that can help you get lower insurance prices.

  • Your spouse saves you money – Being married can actually save you money on your insurance policy. Having a significant other means you’re more responsible and statistics show drivers who are married are more cautious.
  • Occupation reflects on rates – Occupations like real estate brokers, architects and accountants are shown to have higher rates than average in part from high stress levels and long work hours. On the flip side, professions such as farmers, athletes and retirees pay the least on CTS-V Wagon insurance.
  • Safer occupants lowers premiums – Vehicles with good safety scores can get you lower premiums. Safer cars protect occupants better and fewer injuries translates into savings for insurance companies and lower rates for you. If your Cadillac CTS-V Wagon has ratings of a minimum four stars on Safercar.gov it may be receiving lower rates.
  • High deductibles save money – Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your Cadillac. Some examples of claims that would be covered could be running into the backend of another car, vandalism, and rolling your vehicle. Physical damage deductibles are how much you are required to spend if you file a covered claim. The more money the insured has to pay upfront, the lower your rates will be on CTS-V Wagon insurance.
  • Do you need the policy add-ons? – There are many add-on coverages that you can get tricked into buying when buying insurance. Insurance for personal injury protection, accidental death and membership fees are some examples. These coverages may sound good when you first buy your policy, but your needs may have changed so eliminate the coverages to reduce your premium.
  • One company can mean more discounts – Most insurance companies provide better rates to people who have multiple policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, you may still want to compare rates to make sure you are getting the best deal. You may still be able to find better rates by buying insurance from more than one company.
  • Rural vs Urban Areas – Residing in small towns and rural areas is a positive aspect when insuring your vehicles. Less people living in that area translates into fewer accidents and also fewer theft and vandalism claims. City drivers regularly have more traffic problems and longer commutes to work. Higher commute times can result in more accidents.
  • More miles equals more premium – The higher the mileage driven every year the more you will pay for insurance. The majority of insurers rate vehicles determined by how the vehicle is used. Vehicles that are left in the garage receive lower rates than vehicles that are driven to work every day. An improperly rated CTS-V Wagon may be costing you. Verify your insurance declarations sheet is showing the correct usage for each vehicle, because improper ratings can cost you money.

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Tailor your coverage to you

When it comes to choosing adequate coverage, there really is no one size fits all plan. Everyone’s needs are different.

For instance, these questions may help you determine whether you might need an agent’s assistance.

  • Are split liability limits better than a combined single limit?
  • How do I buy GAP insurance?
  • Am I covered when driving someone else’s vehicle?
  • Is business property covered if stolen from my car?
  • What if I don’t agree with a claim settlement offer?
  • Should I buy only the required minimum liability coverage?
  • Am I covered if I break a side mirror?
  • How high should my uninsured/underinsured coverage be in my state?
  • When should I not file a claim?
  • Why am I required to buy liability insurance?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Car insurance coverage information

Knowing the specifics of your policy can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Liability auto insurance – This can cover damages or injuries you inflict on other’s property or people. This coverage protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things such as medical expenses, loss of income and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive protection – This covers damage caused by mother nature, theft, vandalism and other events. 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 damage from flooding, rock chips in glass, falling objects and theft. 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 expense coverage – Coverage for medical payments and/or PIP kick in for bills like pain medications, doctor visits and ambulance fees. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Collision coverages – This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as scraping a guard rail, crashing into a building and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage – Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Cadillac CTS-V Wagon.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

The bottom line

When you buy insurance online, it’s not a good idea to reduce needed coverages to save money. There are a lot of situations where someone dropped collision coverage only to find out they didn’t purchase enough coverage. The proper strategy is to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

We covered a lot of tips how to get a better price on 2014 Cadillac CTS-V Wagon insurance. The key thing to remember is the more providers you compare, the higher your chance of finding lower rates. Consumers may even find the most savings is with the smaller companies.

Lower-priced insurance can be found on the web in addition to many insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies do not provide online quoting and most of the time these regional insurance providers sell through independent agents.

Other learning opportunities

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