Cheap 2013 Cadillac CTS Insurance Rates

Purchasing the lowest cost insurance coverage on the web can be difficult for drivers that are relatively new to comparing rates on the internet. With such a large number of insurers available, how can drivers have the ability to compare all the different companies and get the cheapest rates?

Consumers should take time to do price comparisons as often as possible since insurance prices are variable and change quite frequently. Just because you found the lowest rates on CTS insurance at your last renewal there is a good chance you can find better rate quotes now. Block out anything you think you know about insurance coverage because you’re about to find out the fastest and easiest way to save money, get proper deductibles and limits, all at the lowest rate.

Slash your auto insurance rates with discounts

Companies offering auto insurance do not list all their discounts very well, so the list below details both well-publicized and also the more inconspicuous credits that you can use to lower your rates. If you don’t get every credit you deserve, you are throwing money away.

  • Low Miles Discount – Maintaining low annual mileage could earn slightly better premium rates than normal.
  • Drivers Ed for Students – Teen drivers should participate in a local driver’s education class in high school.
  • Online Discount – Some insurance companies may give you up to $50 for buying your policy on the internet.
  • Accident Forgiveness – Not really a discount, but some companies like Allstate, Progressive, and Geico will turn a blind eye to one accident before your rates go up as long as you don’t have any claims for a certain period of time.
  • No Claims – Drivers who stay claim-free can earn big discounts in comparison to drivers with a long claim history.
  • Distant Student Discount – 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 receive lower rates.
  • Military Rewards – Being deployed in the military could qualify you for better prices.
  • Renewal Discounts – A few companies offer discounts for renewing your policy prior to your current policy expiration. This can save 10% or more.

One thing to note about discounts is that most discounts do not apply to the entire policy premium. Some only apply to specific coverage prices like liability, collision or medical payments. Even though it appears you can get free auto insurance, it just doesn’t work that way.

Larger auto insurance companies and a selection of discounts include:

  • Geico may offer discounts for seat belt use, multi-policy, defensive driver, federal employee, membership and employees, and daytime running lights.
  • MetLife may include discounts for accident-free, defensive driver, good student, multi-policy, and good driver.
  • Progressive may have discounts that include continuous coverage, online signing, multi-policy, online quote discount, homeowner, good student, and multi-vehicle.
  • Travelers has discounts for continuous insurance, payment discounts, IntelliDrive, new car, driver training, student away at school, and home ownership.
  • SAFECO policyholders can earn discounts including homeowner, teen safety rewards, drive less, accident prevention training, safe driver, and anti-lock brakes.
  • AAA has savings for good student, good driver, AAA membership discount, education and occupation, multi-policy, and anti-theft.

It’s a good idea to ask all companies you are considering how many discounts you can get. Some discounts listed above may not apply to policies in every state. To locate auto insurance companies with the best discounts, click here.

How to get the cheapest insurance

Most of the larger companies such as State Farm, Allstate and Geico make it easy to get coverage price quotes direct online. Getting online rates is pretty painless because it’s just a matter of typing in your coverage information as detailed in the form. Once entered, the quote system requests your driving record and credit report and returns a price based on the information you submitted.

Being able to quote online helps simplify price comparisons, but the process of having to visit each company’s website and repetitively complete many quote forms is a waste of time. But it’s necessary to have as many quotes as possible if you want to find better insurance pricing.

A more efficient way to lower your rates is to use a quote form that gets price quotes from several companies at one time. The form is fast, requires much less work on your part, and makes price shopping online much more efficient. After your information is entered, it is quoted and you can choose any one of the quote results.

If the quotes result in lower rates, you can simply submit the application and buy the new coverage. It takes just a few minutes to complete and can result in significant savings.

To find out how much you can save on insurance, simply click here to open in new window and enter your information. If you currently have coverage, we recommend you type in just like they are on your policy. This way, you will have comparison quotes based on similar coverages.

Smart consumers can cut their insurance prices

It’s important that you understand the different types of things that play a part in calculating the rates you pay for auto insurance. If you have some idea of what impacts premium levels, this empowers consumers to make smart changes that may reward you with big savings.

Listed below are some of the factors used by insurance companies to determine your rate level.

  • Why do you need liability protection? – Liability insurance is the coverage that protects you when you are responsible for causing personal injury or damage in an accident. Your liability coverage provides you with a defense in court which can cost a lot. It is affordable coverage compared to comp and collision, so drivers should make sure they buy enough to cover all assets.
  • High coverage deductibles reduce costs – Comp and collision deductibles define how much the insured will be required to pay in the event of a claim. Physical damage coverage, termed comprehensive and collision coverage on your policy, protects your car from damage. Examples of covered claims are colliding with a stationary object, vandalism, and damage from wind. The more the insured has to pay upfront, the less your company will charge you for insurance on CTS insurance.
  • Your location is important – Living in areas with lower population is a positive aspect when buying auto insurance. City drivers regularly have more aggressive driving styles and higher rates of accident claims. Fewer drivers translates into fewer accident claims as well as less vandalism and auto theft.
  • Vehicles with better crash test results cost less to insure – Vehicles with high crash test scores are cheaper to insure. These vehicles result in less severe injuries and better occupant protection means less claims paid and thus lower rates.
  • Cheaper to insure females? – Statistics have proven women tend to be less risk to insure than men. However, don’t assume that women are better drivers. Males and females have fender benders in similar percentages, but males tend to have more serious accidents. Men also statistically get more serious tickets such as reckless driving. Males from age 16 to 21 are the most expensive to insure and are penalized with high auto insurance rates.
  • Always keep your auto insurance policy in force – Driving your car without having proper coverage is against the law and your next policy will cost more because you let your coverage have a gap. In addition to paying higher premiums, failure to provide proof of insurance could earn you a hefty fine and possibly a revoked license. You may need to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
  • Having a spouse is a bonus – Having a spouse may earn you lower rates compared to being single. It may mean you are more mature than a single person and it’s statistically proven that married drivers get in fewer accidents.
  • Save by staying claim free – If you tend to file frequent claims, you shouldn’t be surprised to get higher rates. Companies provide the best rates to drivers who only file infrequent claims. Your insurance policy is intended to be relied upon for claims that pose a financial burden.

You are unique and your insurance coverage should be too

When choosing coverage for your vehicles, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s.

These are some specific questions might point out whether or not you might need an agent’s assistance.

  • What is roadside assistance coverage?
  • What if I owe more than I can insure my car for?
  • Do I really need UM/UIM coverage?
  • What are the best liability limits?
  • How does medical payments coverage work?
  • Is my custom paint covered by insurance?
  • Does my car insurance cover rental cars?
  • How do I buy GAP insurance?
  • Do I need PIP coverage since I have good health insurance?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form.

But the ad said I’d save 15% in 15 minutes!

Insurance companies such as State Farm, Allstate and Geico continually stream ads on television and other media. All the ads convey the message of big savings if you move your insurance coverage to their company. How does every company make almost identical claims? This is how they do it.

Companies have an ideal profile for a prospective insured that will generate a profit. For instance, a profitable risk profile may be between 25 and 40, insures multiple vehicles, and drives newer vehicles. A customer getting a price quote who fits those characteristics may get the lowest car insurance rates and will most likely save money with a new company.

Consumers who are not a match for the ideal profile may receive more expensive rates which results in the driver buying from a lower-cost company. If you listen closely, the ads state “people that switch” but not “everyone who gets a quote” save that much when switching. That is how companies can state the savings.

This emphasizes why you really should compare price quotes frequently. Because you cannot predict the company that will have the best prices at this point in time.

Coverages available on your policy

Knowing the specifics of a insurance policy can help you determine the right coverages and the correct deductibles and limits. Insurance terms can be ambiguous and coverage can change by endorsement.

Coverage for medical payments – Med pay and PIP coverage pay for expenses such as dental work, rehabilitation expenses and EMT expenses. They can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover you and your occupants as well as getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Uninsured and underinsured coverage – This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Usually these coverages are set the same as your liablity limits.

Comprehensive coverages – This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from getting keyed, hail damage, fire damage, hitting a bird and a broken windshield. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability auto insurance – Liability insurance provides protection from injuries or damage you cause to other people or property in an accident. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims like structural damage, medical services, repair costs for stationary objects, attorney fees and funeral expenses. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Collision coverages – This pays to fix your vehicle from damage 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 things such as sideswiping another vehicle, colliding with a tree and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Better coverage you can count on

Throughout this article, we presented some good ideas how to shop for 2013 Cadillac CTS insurance online. The key concept to understand is the more rate quotes you have, the higher your chance of finding cheaper car insurance. You may even discover the lowest priced car insurance comes from a smaller regional carrier.

Affordable 2013 Cadillac CTS insurance is attainable online and from local agencies, and you should be comparing both so you have a total pricing picture. Some companies don’t offer online price quotes and many times these smaller providers prefer to sell through independent agents.

As you shop your coverage around, you should never buy lower coverage limits just to save a few bucks. In too many instances, an accident victim reduced liability limits or collision coverage only to regret that they should have had better coverage. Your goal is to buy a smart amount of coverage for the lowest price, not the least amount of coverage.

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