Save on 2019 Cadillac CTS Insurance Rates 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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Searching for lower car insurance rates for your Cadillac CTS? Wish you could get out of overpriced car insurance? Trust us, many consumers feel financially strained by their car insurance policy.

There are many insurers to buy insurance from, and even though it’s nice to have a selection, so many choices can make it hard to compare rates.

How to lower your car insurance cost

Comparing car insurance rates can be a daunting task if you aren’t aware of the fastest way to get free quotes. You could spend your day talking to local insurance agents in your area, or you can utilize the internet to quickly compare rates.

Most of the larger companies are enrolled in a marketplace that allows shoppers to enter their policy data once, and each company returns a competitive quote based on the submitted data. This saves time by eliminating form submissions to each individual car insurance company.

To participate in this free quote system, enter your zip code here.

The single downside to doing it this way is you are unable to specify which carriers to get quotes from. If you prefer to choose specific insurance companies to compare, we have assembled a list of car insurance companies in your area. Click to enter zip code.

It’s your choice how you get your quotes, but try to keep equivalent deductibles and coverage limits for every quote you compare. If you compare mixed coverages it will be very difficult to decipher which rate is best. Even a minor difference in insurance coverages can mean a large discrepancy in price. It’s important to know that comparing more rates from different companies will improve the odds of getting lower pricing. Some regional insurers cannot provide quotes online, so you should also compare price estimates from them, too.

Find hidden discounts to get affordable auto insurance quotes

Auto insurance is expensive, but you might be missing out on some discounts to cut the cost considerably. Certain credits will be shown when you get a quote, but a few must be inquired about before being credited.

  • Professional Memberships – Participating in certain professional organizations may earn a discount on your bill.
  • Fewer Miles Equal More Savings – Low annual miles may enable drivers to earn substantially lower premium rates.
  • Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle their seat belts can save a little off the PIP or medical payment premium.
  • Discount for Life Insurance – Select insurance carriers reward you with a small discount if you purchase auto and life insurance together.
  • Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.

Consumers should know that some credits don’t apply to the entire policy premium. Most only reduce specific coverage prices like physical damage coverage or medical payments. So even though you would think it’s possible to get free car insurance, that’s just not realistic.

A list of auto insurance companies and their possible discounts are:

  • State Farm offers discounts for Drive Safe & Save, safe vehicle, Steer Clear safe driver discount, multiple autos, anti-theft, and defensive driving training.
  • Farmers Insurance has savings for mature driver, multi-car, youthful driver, early shopping, business and professional, and alternative fuel.
  • Progressive may include discounts for good student, online quote discount, homeowner, online signing, and multi-vehicle.
  • GEICO may have discounts that include five-year accident-free, air bags, anti-theft, defensive driver, anti-lock brakes, and seat belt use.
  • Auto-Owners Insurance discounts include paid in full, group or association, safe driver, multiple vehicles, and good student.
  • The Hartford may offer discounts for anti-theft, good student, driver training, air bag, defensive driver, and bundle.
  • Farm Bureau offers premium reductions for good student, multi-vehicle, safe driver, youthful driver, driver training, and multi-policy.
  • USAA offers discounts including loyalty savings, annual mileage, multi-policy, defensive driver, multi-vehicle, safe driver, and vehicle storage.

Before buying, ask every insurance company which discounts can lower your rates. Some discounts may not be offered everywhere.

Tailor your car insurance coverage to you

When buying the best car insurance coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions can aid in determining if your situation may require specific advice.

  • Do I need PIP (personal injury protection) coverage in my state?
  • Why do I need rental car insurance?
  • Does coverage extend to a rental car in a foreign country?
  • Can I still get insurance after a DUI?
  • Does having multiple vehicles earn me a discount?
  • Can I rate high risk drivers on liability-only vehicles?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out your zip code.

What determines Cadillac CTS insurance rates?

Consumers need to have an understanding of the rating factors that help calculate your insurance coverage rates. If you have some idea of what positively or negatively impacts your premiums, this enables you to make decisions that may reward you with lower rates.

Shown below are most of the major factors used by your company to calculate your premiums.

  • Youthful drivers are expensive to insure – Drivers with little experience are proven to get distracted easily when driving with friends so insurance coverage rates are higher. Having to add a first-time driver to your insurance coverage policy can break the bank. Older, more experienced drivers tend to be more responsible, tend to file fewer claims and receive fewer citations.
  • Protect yourself with liability coverage – The liability section of your policy will afford coverage if you are ruled to be at fault for damages from an accident. Liability provides for a legal defense to defend your case. This coverage is very inexpensive as compared to coverage for physical damage, so do not skimp.
  • Save money by having high credit – Having a good credit score factor in determining premium rates. Therefore, if your credit can be improved, you could potentially save money when insuring your 2019 Cadillac CTS by taking the time to improve your credit score. Insureds that have very good credit scores tend to be less risk to insure as compared to drivers with poor credit scores.
  • Theft deterrents lowers insurance coverage rates – Buying a car with an alarm system can get you a discount on your insurance coverage. Advanced theft deterrents such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help prevent vehicle theft.
  • Safety ratings are a factor – Cars with five star safety ratings are cheaper to insure. These vehicles reduce the chance of injuries and any reduction in injury severity means less money paid by your insurance company passed on to you as lower rates. If the Cadillac CTS has at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may be receiving a better rate.

Insurance coverage in the media

State Farm, GEICO and Progressive constantly bombard you with ads on TV and radio. All the companies try to convey promises that drivers will save a bundle after switching your coverage. How can each company lower your rates? Here is the trick they use.

Many companies have a certain “appetite” for the right customer that will generate a profit. For instance, this type of driver may be over the age of 45, has had continuous coverage, and drives less than 7,500 miles a year. Any person who matches those parameters may get the lowest premium rates and will probably save when they switch companies.

Consumers who cannot meet the “perfect” profile will be charged a higher rate and this can result in the customer not purchasing. If you listen closely, the ads state “drivers who switch” not “all people who quote” save that kind of money. That’s the way insurance companies can make claims that they all have the best premium rates.

That is why it’s extremely important to compare rate quotes every year. It’s impossible to know with any certainty which company will fit your personal profile best.

Auto insurance policy coverages for a Cadillac CTS

Learning about specific coverages of auto insurance aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Shown next are typical coverages found on most auto insurance policies.

Liability insurance – This coverage will cover damage that occurs to a person or their property that is your fault. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

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 values of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage protects against claims like medical services, legal defense fees and bail bonds. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Collision coverages – This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like crashing into a building, scraping a guard rail, driving through your garage door, hitting a mailbox and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision – This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, hitting a bird and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your 2019 Cadillac CTS.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for expenses such as funeral costs, nursing services, pain medications and EMT expenses. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

A fool and his money are soon parted

We’ve covered a lot of information how to shop for 2019 Cadillac CTS insurance online. The key concept to understand is the more quotes you get, the better your chances of lowering your prices. Consumers may even find the lowest premium rates are with some of the lesser-known companies. These smaller insurers may have significantly lower prices on certain market segments compared to the large companies like State Farm or Progressive.

As you go through the steps to switch your coverage, it’s very important that you do not reduce coverage to reduce premium. There are too many instances where someone sacrificed liability coverage limits and learned later that saving that couple of dollars actually costed them tens of thousands. Your focus should be to get the best coverage possible at the best possible price, but do not sacrifice coverage to save money.

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