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Cadillac ELR Insurance Rates

Finding cheaper auto insurance through online rate quotes is easy and there is a good chance you can save money. The key is getting rates from all providers so you can get the lowest prices.

Consumers who are new to the process of shopping for insurance may think shopping for affordable Cadillac ELR insurance is going to be difficult. Cutting your Cadillac ELR insurance cost can be surprisingly simple. Drivers just need to take a couple of minutes getting comparison quotes from different insurance companies. It is quite easy and can be accomplished by completing this short form.

Car insurance premiums paid to insure a Cadillac ELR can be significantly different based upon several criteria. Some of these factors include:

  • Your driving record
  • Better credit means lower rates
  • Male drivers pay higher rates
  • Low deductibles cost more
  • Safety rating of your ELR
  • Your claim history
  • Maintaining coverage lowers rates
  • Whether you own your home

An additional factor which can affect Cadillac ELR insurance rates is the year of the vehicle. New vehicles have a higher actual cash value than older models so repair costs are higher which may end up costing you more. But new Cadillac models may have safety features including an advanced theft deterrent system, traction control, lane departure warning system, and dual-stage airbags that may help give discounted rates.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle below.

Auto liability - Liability insurance provides protection from damage that occurs to a person or their property that is your fault. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so you should buy as large an amount as possible.

Collision - This pays to fix your vehicle from damage from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from older vehicles. It's also possible to raise the deductible to save money on collision insurance.

Comprehensive auto coverage - This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage. The highest amount you'll receive from a claim is the actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

UM/UIM Coverage - Your UM/UIM coverage protects you and your vehicle when the "other guys" either have no liability insurance or not enough. Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments and PIP coverage - Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. PIP is not universally available but it provides additional coverages not offered by medical payments coverage.

How Much are Cadillac ELR Insurance Rates?