Save on 2013 Cadillac CTS-V Insurance Quotes

Searching for the cheapest insurance for a Cadillac CTS-V could be a lot of work, but you can learn these tips to find lower rates. There are both good and bad ways to shop for insurance so we’re going to tell you the quickest way to price shop coverage for a Cadillac and get the cheapest rates either online or from local insurance agents.

If you have a policy now or are shopping for new coverage, you can follow these tips to find the best rates and still get good coverage. Locating affordable coverage is not that difficult. Consumers only need to know the proper way to shop for insurance over the internet.

How to buy insurance coverage

Most larger insurance companies give coverage price quotes from their websites. Getting prices online is fairly simple as you just type in the amount of coverage you want into the form. Behind the scenes, the system orders your driving record and credit report and provides a quote based on the information you submitted.

Being able to quote online helps simplify price comparisons, but the time required to go to several different sites and complete many quote forms gets old quite quickly. But it’s very important to compare as many rates as possible in order to get the lowest insurance coverage rates.

The better way to compare rates

A more efficient way to find lower prices uses one form that obtains quotes from more than one company. It’s a real time-saver, eliminates form submissions, and makes quoting online a little more enjoyable. As soon as you send your information, it is rated and you can select your choice of the quote results. If the quotes result in lower rates, you simply finish the application and buy the policy. It can be completed in a matter of minutes and you will find out if you’re overpaying now.

To find out if lower rates are available, click here to open in new window and submit your coverage information. To compare your current rates, we recommend you complete the form with the limits and deductibles identical to your current policy. This helps ensure you will have comparison quotes using the exact same coverages.

Car insurance discounts are available to lower your rates

Car insurance is easily one of your largest bills, but you may be missing some discounts to help bring down the price. Certain discounts will be applied at quote time, but less common discounts must be specifically requested prior to receiving the credit.

• Defensive Driving Course – Passing a class that teaches defensive driving techniques could possibly earn you a 5% discount and easily recoup the cost of the course.
• ABS and Traction Control Discounts – Cars and trucks with ABS braking systems or traction control are safer to drive so you can save 10 percent or more.
• Auto/Life Discount – Insurance companies who offer life insurance give a discounted rate on car insurance if you buy life insurance.
• Responsible Driver Discounts – Drivers who avoid accidents can save up to 40% or more on their auto insurance quote for CTS-V coverage compared to accident prone drivers.
• Savings for New Vehicles – Buying a new car model is cheaper since newer vehicles have better safety ratings.

It’s important to understand that most of the big mark downs will not be given to all coverage premiums. Some only apply to specific coverage prices like collision or personal injury protection. So even though they make it sound like all those discounts means the company will pay you, car insurance companies aren’t that generous. But all discounts will positively reduce your overall premium however.

If you would like to view car insurance companies that offer many of these discounts, click here.

Everyone needs different insurance coverages

When choosing coverage for your vehicles, there really is not a cookie cutter policy. Every situation is different.

These are some specific questions might help in determining if your insurance needs could use an agent’s help.

• Is my camper covered by my car insurance policy?
• Is a fancy paint job covered?
• Does having multiple vehicles earn me a discount?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Why am I required to get a high-risk car insurance policy?
• What can I do if my company won’t pay a claim?
• Is extra glass coverage worth it?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and may give you better protection.

Insurance coverage basics

Understanding the coverages of insurance can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like prosthetic devices, EMT expenses, ambulance fees, doctor visits and hospital visits. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers you and your occupants as well as being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, a broken windshield, damage from flooding and hitting a bird. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision protection

Collision coverage pays for damage to your CTS-V resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as rolling your car, sustaining damage from a pot hole, hitting a parking meter and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Cadillac CTS-V.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Liability auto insurance

Liability insurance will cover damage or injury you incur to a person or their property in an accident. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims like bail bonds, loss of income and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.