2012 Cadillac CTS Car Insurance Cost – 5 Tricks for Best Prices

Searching for cheaper insurance coverage rates for your Cadillac CTS? Locating cheaper insurance for a new or used Cadillac CTS can normally be a lot of work, but you can follow these tips to make it easier.

There is a right way and a wrong way to shop for insurance coverage so you’re going to learn the best way to quote coverages for a Cadillac and locate the lowest possible price.

Pricing the best car insurance coverage is quite easy. If you have a current car insurance policy or are looking for a new policy, you can use these techniques to cut your premiums while maximizing coverage. Drivers just need to know the most efficient way to get comparison quotes on the web.

Where Can I Get Cheap Car Insurance?

Lowering your 2012 Cadillac CTS car insurance rates isn’t really that difficult. The only requirement is to invest a little time comparing rates from different insurance companies. This can be accomplished in several different ways.

The best way to get quotes is to use a rate comparison form like this one (opens in new window). This easy form prevents you from having to do separate forms to each individual car insurance company. One form submission compares rates from many national carriers. This is perfect if you don’t have a lot of time.

A slightly less efficient method to compare prices is going to the website for every company you want to comare and fill out their own quote form. For sake of this example, let’s say you want to compare USAA, Liberty Mutual and Travelers. You would have to take the time to go to each site and enter your policy data, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

It’s up to you which method you use, but double check that you are using the exact same coverages and limits for every quote you compare. If you compare different deductibles it’s not possible to decipher which rate is best.

Discounts on Cadillac CTS insurance

Insuring your vehicles can cost a lot, but you can get discounts that you may not even be aware of. Certain discounts will be triggered automatically at quote time, but less common discounts must be specially asked for prior to getting the savings. If they aren’t giving you every credit possible, you are throwing money away.

  • Federal Government Employee – Simply working for the federal government can earn a discount up to 10% for CTS coverage with certain companies.
  • Anti-theft System – Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Lower Rates for Military – Having a deployed family member could mean lower rates.
  • Sign Early and Save – Select companies give a discount for signing up prior to your current policy expiration. It can save you around 10%.
  • Good Students Pay Less – Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.

It’s important to note that many deductions do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears you could get a free auto insurance policy, companies wouldn’t make money that way. Any amount of discount will help reduce the amount you have to pay.

Insurance companies that possibly offer some of the above discounts are:

Double check with every prospective company how you can save money. Some discounts might not apply in your state.

Tailor your coverage to you

When it comes to choosing the best insurance coverage, there is no perfect coverage plan. Everyone’s needs are different.

For instance, these questions can help discover if your insurance needs might need professional guidance.

  • Do I need replacement cost coverage on my 2012 Cadillac CTS?
  • Can I afford low physical damage deductibles?
  • Is motorclub coverage worth it?
  • Do I really need UM/UIM coverage?
  • How much liability do I need to cover my assets?
  • Will my rates increase for filing one claim?
  • Am I covered when using my vehicle for business?
  • Does having multiple vehicles earn me a discount?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and can provide invaluable advice.

Coverages available on your policy

Knowing the specifics of car insurance helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Comprehensive protection

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like a tree branch falling on your vehicle, theft, vandalism and damage from getting keyed. 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.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as sideswiping another vehicle, scraping a guard rail and colliding with a tree. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for bills like surgery, rehabilitation expenses, ambulance fees and doctor visits. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Uninsured or underinsured coverage

This provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Cadillac CTS.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these limits are similar to your liability insurance amounts.

Liability coverages

Liability insurance provides protection from injuries or damage you cause to a person or their property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Some companies may use a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as court costs, medical expenses, structural damage, medical services and pain and suffering. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.