Cheap 2018 Cadillac CTS Car Insurance Quotes in 2024

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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 23, 2024

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Looking for the cheapest car insurance rates for your Cadillac CTS? Are you sick and tired of not being able to afford to pay car insurance each month? You are in the same boat as millions of other people.

Many auto insurance companies vie for your business, so it’s not easy to compare every insurance company to get the lowest rate

If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using this strategy. Choosing the best insurance company for you is not rocket science. Nevertheless, drivers must learn how companies compete online and apply this information to your search.

Insurance coverage policy discounts

Some insurance providers do not list all discounts in an easy-to-find place, so we took the time to find some of the more common as well as some of the hidden credits that you can use to lower your rates.

  • Onboard Data Collection – Drivers who agree to allow companies to monitor their driving habits by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive might see lower rates as long as the data is positive.
  • No Accidents – Drivers who don’t have accidents can earn big discounts in comparison with accident-prone drivers.
  • Full Payment Discount – If you pay your entire premium ahead of time rather than paying in monthly installments you could save up to 5%.
  • Federal Employees – Federal government employees can earn a discount up to 10% on CTS insurance with some insurance coverage companies.
  • First Accident Forgiveness – Not really a discount, but a few companies such as Allstate and GEICO will allow you to have one accident before hitting you with a surcharge with the catch being you have to be claim-free before the accident.
  • Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
  • Lower Rates for Military – Having an actively deployed family member could trigger a small discount.
  • Defensive Driver – Taking a defensive driver course could possibly earn you a 5% discount if you qualify.
  • Homeowners Pay Less – Just owning your own home can get you a discount because it demonstrates responsibility.
  • Multi-line Discount – Select insurance coverage companies reward you with a discount if you purchase life insurance.

You should keep in mind that some credits don’t apply to the overall cost of the policy. Most only cut individual premiums such as comprehensive or collision. So even though you would think all the discounts add up to a free policy, companies don’t profit that way.

A list of insurance coverage companies and a selection of discounts include:

  • Progressive includes discounts for online signing, online quote discount, good student, multi-vehicle, and continuous coverage.
  • Farmers Insurance discounts include teen driver, switch companies, homeowner, business and professional, early shopping, alternative fuel, and multi-car.
  • Farm Bureau policyholders can earn discounts including good student, driver training, renewal discount, multi-vehicle, safe driver, and youthful driver.
  • State Farm offers discounts including good student, Steer Clear safe driver discount, accident-free, defensive driving training, multiple autos, and safe vehicle.
  • GEICO may offer discounts for seat belt use, anti-lock brakes, daytime running lights, membership and employees, multi-policy, good student, and emergency military deployment.
  • SAFECO offers premium reductions for teen safe driver, safe driver, homeowner, multi-car, and anti-lock brakes.
  • Liberty Mutual may include discounts for new vehicle discount, new move discount, hybrid vehicle, multi-policy, preferred payment discount, newly married, and newly retired.

Double check with every prospective company which discounts they offer. Discounts may not be available in your area. If you would like to view insurance companies who offer insurance coverage discounts, enter your zip code here.

How to get low cost insurance coverage

Shopping for lower insurance coverage rates can be challenging if you don’t understand the best way to get rate quotes. You can waste a few hours (or days) talking to agents in your area, or you could save time and use online quoting to get rate comparisons in just a few minutes.

Many popular insurance companies belong to a marketplace where insurance shoppers submit one quote, and each participating company then returns a price quote for coverage. This prevents consumers from doing quote forms for each company.

To get comparison pricing now enter your zip code here.

The only downside to getting quotes like this is buyers cannot specifically choose the companies to get pricing from. If you prefer to choose individual companies for rate comparison, we have a listing of the cheapest insurance coverage companies in your area. Click to enter zip code.

Take whichever approach you prefer, but be sure to compare the same coverages for each comparison quote. If you enter differing limits it’s not possible to truly determine the lowest rate. Quoting even small variations in limits may result in a large different in cost. It’s important to know that making a lot of price comparisons increases your odds of finding a better price. Not every company allows you to get rate quotes online, so you should also compare price quotes on coverage from those companies, too.

Eight things that impact your insurance premiums

When buying insurance coverage it’s important to understand the rating factors that play a part in calculating the rates you pay for insurance coverage. If you understand what positively or negatively impacts your premiums, this enables you to make decisions that could help you find lower rates. Many things are used when premium rates are determined. Some are pretty understandable like a motor vehicle report, but some are more obscure such as whether you are married or how financially stable you are.

The items below are some of the items companies use to determine your rates.

  • Prevent insurance coverage lapses – Not maintaining insurance is a big no-no and you will pay a penalty because you let your insurance lapse for non-payment. Not only will you pay more, failure to provide proof of insurance will get you fines and jail time.
  • Premiums and employer – Did you know your occupation can influence how much you pay for insurance coverage? Occupations such as military generals, police officers and emergency personnel usually pay higher rates than average because of stressful work requirements and lots of time spent away from family. Other professions such as actors, engineers and performers have lower than average premiums on CTS insurance.
  • Low coverage deductibles can be expensive – The deductibles tell how much the insured will be required to pay before a claim is paid by your company. Physical damage coverage, aka comp and collision, covers damage that occurs to your car. Some examples of covered claims would be rear-ending another vehicle, animal collisions, and damage from wind. The more expense you’re willing to pay, the less your company will charge you for insurance on CTS insurance.
  • Pleasure use or commuting – The more you drive your Cadillac annually the more you’ll pay to insure it. Almost all companies calculate rates determined by how the vehicle is used. Autos not used for work or commuting receive better premium rates than vehicles that are driven to work every day. Having the wrong rating on your CTS may be costing you. It’s always a good idea to double check that your policy states annual mileage, because improper ratings can cost you money.
  • Single drivers take more risk – Having a wife or husband can get you a discount compared to being single. Having a spouse usually means you are more responsible and it’s proven that being married results in fewer claims.
  • Safer vehicles are cheaper to insure – Vehicles with good safety scores cost less to insure. Vehicles engineered for safety result in less severe injuries and better occupant protection means lower claim amounts and thus lower rates.
  • Rates are affected by your address – Living in less populated areas can be a good thing when buying insurance coverage. Less people living in that area means less chance of accidents and also fewer theft and vandalism claims. Residents of big cities tend to have traffic congestion and a longer drive to work. Higher commute times can result in more accidents.
  • Only buy what you need – There are a lot of add-on coverages that you can buy but may not be useful. Coverages for roadside assistance, towing coverage, and motor club memberships could be just wasting money. They may seem like a good idea when you first buy your policy, but now you might not need them so eliminate the coverages to reduce your premium.

How do I know if I need professional advice?

When buying adequate coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s situation is unique and your policy should reflect that. For example, these questions can aid in determining whether you would benefit from an agent’s advice.

  • Am I covered if I hit my neighbor’s mailbox?
  • What are the best liability limits?
  • Should I waive the damage coverage when renting a car?
  • Am I covered if my car is in a flood?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is my business laptop covered if it gets stolen from my vehicle?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete your zip code.

Insurance coverages explained

Having a good grasp of a insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Shown next are the normal coverages available from insurance companies.

Liability coverage

This will cover damage that occurs to other people or property that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

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. As an example, you may have limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims such as medical expenses, bail bonds, pain and suffering and funeral expenses. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as dental work, funeral costs and pain medications. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive (Other than Collision)

This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as theft, damage from flooding, hail damage and vandalism. The maximum payout your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto collision coverage

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

Collision can pay for things like colliding with a tree, sustaining damage from a pot hole, colliding with another moving vehicle, damaging your car on a curb and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

One last thing about your coverage

While you’re price shopping online, it’s not a good idea to buy poor coverage just to save money. In many cases, consumers will sacrifice liability limits or collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy enough coverage at the best possible price, but do not sacrifice coverage to save money.

We covered many tips how you can lower your 2018 Cadillac CTS insurance car insurance rates. The most important thing to understand is the more rate comparisons you have, the better likelihood of getting affordable auto insurance. Consumers may even find the best car insurance rates are with a lesser-known regional company. Some small companies may often insure only within specific states and give getter rates as compared to the big name companies such as Progressive or GEICO.

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