2018 Cadillac CTS-V Car Insurance Quotes

Want better car insurance rates for your Cadillac CTS-V? Having to pay for expensive car insurance can draw down your bank account and put a big crunch on your finances. Doing a price comparison is free and is an excellent way to reduce premiums and put more money in your pocket.

Online insurance companies like Geico, Progressive and Allstate continually bombard you with advertising and it is difficult to separate fact from fiction and find the best price available.

Consumers should take time to do price comparisons periodically since insurance prices change frequently. Even if you got the best price on CTS-V insurance two years ago the chances are good that you can find a lower rate today. Block out anything you think you know about car insurance because it’s time to teach you one of the quickest ways to find lower rates on car insurance.

Finding insurance

Finding cheaper 2018 Cadillac CTS-V insurance quotes doesn’t have to be difficult. All you need to do is invest a few minutes to compare free insurance coverage quotes to see which company has cheaper insurance coverage quotes. Comparing prices online can be done using a couple different methods.

  • The fastest way to compare a lot of rates at once is a comparison rater form (click to open form in new window). This easy form keeps you from doing separate forms for every company. A single, simple form will return price quotes instantly.
  • A less efficient way to obtain and compare quotes online consists of going to each individual company website to complete their respective quote request forms. For example, we’ll pretend you want to see prices from Geico, 21st Century and Progressive. To do that, you would have to spend time going to each site individually and repeatedly type in your coverage information, which is why most consumers use the first method.

    For a list of links to insurance companies in your area, click here.

  • The most difficult method to do your price quoting is calling or driving to and from local insurance agencies. Doing it all online makes this process obsolete unless your situation requires the professional abilities that can only be provided by a licensed insurance agent. If you prefer, some companies allow you to get the lowest quotes online and have a local agent actually service the policy.

The method you choose is up to you, but try to keep nearly identical coverages for each quote you get. If you compare different data it’s not possible to truly determine the lowest rate.

Get lower-cost insurance quotes with discounts

Companies that sell car insurance don’t always list every available discount in an easy-to-find place, so we researched a few of the more well known and also the lesser-known discounts that you may qualify for.

  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can stop better under adverse conditions and qualify for as much as a 10% discount.
  • Federal Government Employee – Having worked for a branch of the government can save as much as 8% on CTS-V insurance depending on your insurance provider.
  • Telematics Data Discounts – People who choose to allow their insurance company to study vehicle usage by using a telematic data system such as Progressive’s Snapshot may get a rate reduction if they exhibit good driving behavior.
  • Bundle and Save – If you can combine your auto and homeowners policy with the same company you may save nearly 15% which can help you find affordable insurance coverage.
  • Seat Belts Save more than Lives – Drivers who require all occupants to buckle up could cut 10% or more on the medical payments or PIP coverage costs.
  • Save with More Vehicles Insured – Buying insurance for all your vehicles with the same company could earn a price break for each car.
  • Military Rewards – Being on active duty in the military may lower your prices slightly.

Consumers should know that most credits do not apply to the entire cost. Some only apply to the price of certain insurance coverages like medical payments or collision. So even though they make it sound like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

Companies that may include most of the discounts above include:

If you need cheap insurance coverage quotes, ask each insurance company which discounts they offer. A few discounts might not be offered in your area. To see a list of insurance companies with significant discounts, click here to view.

Tailor your auto insurance coverage to you

When it comes to buying coverage for your vehicles, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions could help you determine if you may require specific advice.

  • Why am I required to buy liability insurance?
  • What is high-risk coverage and where do I buy it?
  • Will filing a claim cost me more?
  • Why am I required to get a high-risk car insurance policy?
  • Am I better off with higher deductibles on my 2018 Cadillac CTS-V?
  • Is motorclub coverage worth it?
  • Are my tools covered if they get stolen from my vehicle?
  • Is a fancy paint job covered?

If you’re not sure about those questions, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form or click here for a list of auto insurance companies in your area. It only takes a few minutes and may give you better protection.

Why your insurance premiums might be higher

Lots of things are used when premium rates are determined. Most are fairly basic such as your driving history, although some other factors are less apparent such as your marital status or your commute time.A large part of saving on insurance is knowing some of the elements that play a part in calculating insurance rates. When consumers understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that could result in cheaper rates.

  • Is your vehicle theft-ready? – Choosing a vehicle that has a built-in theft deterrent system can help lower your rates. Theft deterrent systems such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart vehicle theft.
  • Reduce prices by staying claim free – If you file claims often, you can pretty much guarantee increased rates or even have your policy non-renewed. Auto insurance companies provide the best rates to people who are not frequent claim filers. Your car insurance is intended for major claims that would cause financial hardship.
  • Liability coverage limits should be high – Your policy’s liability coverage will afford coverage if a court rules you are at fault for an accident. It will provide legal defense starting from day one. Liability insurance is pretty cheap compared to physical damage coverage, so insureds should have plenty of protection for their assets.
  • Insurance rates in urban areas – Having an address in a small town is a good thing when it comes to insurance. Residents of big cities regularly have more aggressive driving styles and more time behind the wheel. Fewer drivers means reduced accidents in addition to fewer liability claims.
  • Decrease premiums by maintaining coverage – Going without insurance is a quick way to bump up your insurance costs. In addition to paying higher premiums, getting caught without coverage may result in a fine, jail time, or a revoked license.
  • Is car insurance cheaper for males or females? – Over the last 30 years, statistics show women tend to be less risk to insure than men. The data does not necessarily mean that men are WORSE drivers than women. Both genders cause fender benders in similar percentages, but the males have accidents that have higher claims. Men also statistically get cited for more serious violations such as driving while intoxicated (DWI) or driving recklessly. Young men ages 16 to 20 generally have the highest accident percentage and therefore have the most expensive insurance rates.

The largest companies are not always cheapest

Consumers can’t avoid all the ads for cheaper insurance coverage from the likes of Progressive, Allstate and Geico. They all seem to make the promise about savings after switching your coverage to them.

How is it possible that every company can have lower policy pricing? This is how they do it.

All companies have specific guidelines for the driver that will be a good risk. An example of this type of driver may need to be married and over the age of 30, owns their home, and drives less than 5,000 miles a year. A propective insured who matches that profile will get low prices and will probably cut their rates substantially.

Potential customers who don’t measure up to these standards may be required to pay higher rates and ends up with the customer buying from someone else. The trick is to say “drivers who switch” not “all people who quote” save that much when switching. That’s the way companies can truthfully make claims like that. This really illustrates why you really should do a quote comparison often. You cannot predict with any certainty which company will be your best fit.

Specifics of your car insurance policy

Understanding the coverages of a car insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages found on most car insurance policies.

Comprehensive coverage (or Other than Collision) – This coverage pays to fix your vehicle from 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 claims like hitting a bird, hail damage, rock chips in glass, hitting a deer and a tree branch falling on your vehicle. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for things like crashing into a ditch, sideswiping another vehicle, colliding with a tree and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like rehabilitation expenses, X-ray expenses, prosthetic devices, surgery and pain medications. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Cadillac CTS-V.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Liability coverages – This can cover injuries or damage you cause to a person or their property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims like repair costs for stationary objects, attorney fees, emergency aid, loss of income and court costs. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

Don’t be a big spender

Some insurance companies may not offer online price quotes and these regional insurance providers work with local independent agencies. Lower-priced auto insurance is possible from both online companies in addition to local insurance agencies, and you need to comparison shop both to have the best chance of lowering rates.

We just showed you many ways to save on 2018 Cadillac CTS-V insurance. The most important thing to understand is the more quotes you get, the better your comparison will be. You may even discover the lowest prices come from a lesser-known regional company. Regional companies may often insure only within specific states and give getter rates compared to the large companies like State Farm and Allstate.

Much more information about auto insurance can be found on the following sites: