2014 Cadillac CTS Wagon Insurance Rates in 2024 – 10 Policy Discounts

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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 31, 2024

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Did budget coverage turn out to be overpriced auto insurance? Don’t feel bad because many drivers feel the same as you. Many auto insurance companies compete to insure your vehicles, so it’s not easy to compare every company to find the absolute lowest rate possible.

If you are insured now or are shopping for new coverage, you can use this information to find better prices while maintaining coverages. Buying car insurance is not rocket science. Consumers just need to know how to shop their coverage around on the web.

Cheapest insurance coverage quotes

Most of the larger companies give insurance quotes direct online. Comparing rates online is pretty easy as you just type in the coverages you want on the page. When the form is submitted, the quote system orders your driving and credit reports and provides a quote based on these factors. This streamlines rate comparisons, but the process of having to visit different websites and type in the same information is a waste of time. But it’s very important to get many rate quotes in order to get lower prices.

The smarter way to find better insurance coverage pricing makes use of a single form that gets price quotes from a lot of companies. It’s a real time-saver, requires much less work on your part, and makes price shopping online a lot less work. As soon as you send your information, it is rated and you are able to buy your choice of the returned quotes.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase the new policy. This process takes just a few minutes to complete and you will know how your current rates stack up.

To find out how much you’re overpaying now, simply enter your zip code here and submit your coverage information. If you have your current policy handy, we recommend you copy your coverages as close as possible to your current policy. Doing this assures you will have rate comparison quotes for similar coverage.

Ten discounts for cheap insurance rates

The price of auto insurance can be rather high, but you may find discounts that you may not even be aware of. Many discounts should be triggered when you quote, but some discounts are required to be specially asked for before you will receive the discount.

  • Renewal Discounts – Select companies give a discount for buying a policy early. You could save around 10% when you buy insurance online.
  • Student in College – Older children who are enrolled in a college that is more than 100 miles from home and do not take a car to college can be insured at a reduced rate.
  • Multiple Vehicles – Buying a policy with multiple vehicles on a single policy qualifies for this discount.
  • Full Payment Discount – If you pay your bill all at once rather than spreading payments over time you may reduce your total bill.
  • Buy New and Save – Putting insurance coverage on a new car can save you some money due to better safety requirements for newer models.
  • Accident Free – Claim-free drivers can save substantially compared to drivers with a long claim history.
  • E-sign – A few larger online companies will give you a small discount shop insurance digitally online.
  • Federal Employees – Active or former government employment could qualify for a slight premium decrease for CTS Wagon insurance depending on your company.
  • Driver’s Ed – Teen drivers should participate in a local driver’s education class as it will make them better drivers and lower rates.
  • Service Members Pay Less – Having an actively deployed family member may lower your prices slightly.

You should keep in mind that most of the big mark downs will not be given to all coverage premiums. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Just because you may think you would end up receiving a 100% discount, you won’t be that lucky.

To see insurance companies who offer cheap insurance quotes, enter your zip code here.

You may need specialized car insurance coverage

When it comes to choosing proper insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s situation is unique so this has to be addressed. For example, these questions might help in determining whether or not you might need professional guidance.

  • Where can I get insurance after a DUI in my state?
  • What companies insure drivers after a DUI or DWI?
  • Is my cargo covered for damage or theft?
  • Can my babysitter drive my car?
  • When would I need additional glass coverage?
  • What is PIP insurance?
  • What can I do if my company denied a claim?
  • Am I covered if I wreck a rental car?
  • Am I better off with higher deductibles on my 2014 Cadillac CTS Wagon?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete your zip code. It only takes a few minutes and you can get the answers you need.

Detailed coverages of your car insurance policy

Learning about specific coverages of a car insurance policy can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. These are typical coverage types found on the average car insurance policy.

Comprehensive or Other Than Collision – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from getting keyed, hitting a bird, a tree branch falling on your vehicle, hail damage and falling objects. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability auto insurance – This coverage will cover damage or injury you incur to other’s property or people. It protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different 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 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. Alternatively, you may have one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as medical expenses, bail bonds, loss of income, attorney fees and funeral expenses. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Collision – Collision insurance pays to fix your vehicle from damage from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like backing into a parked car, damaging your car on a curb, driving through your garage door, hitting a parking meter and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and damage to your 2014 Cadillac CTS Wagon.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Normally these coverages are set the same as your liability limits.

Medical costs insurance – Coverage for medical payments and/or PIP pay for bills like rehabilitation expenses, prosthetic devices, surgery, X-ray expenses and chiropractic care. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Don’t be a big spender

In this article, we presented many ways to save on 2014 Cadillac CTS Wagon insurance. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding cheap insurance. Drivers may discover the most savings is with some of the lesser-known companies. These companies may cover specific market segments cheaper as compared to the big name companies such as Progressive and GEICO.

Cheap 2014 Cadillac CTS Wagon insurance is available online in addition to local insurance agencies, and you should compare price quotes from both to get a complete price analysis. A few companies may not provide internet price quotes and usually these regional insurance providers sell through independent agents.

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