Lower Your 2011 Cadillac CTS Car Insurance Rates

Are you sick and tired of paying out the nose to pay your car insurance bill each month? You are in the same boat as many other drivers. Big companies like Geico, Progressive and Allstate increase brand awareness with catchy ads and it is challenging if not impossible to ignore the flying pigs and cute green geckos and find the best price available.

It’s a good idea to shop coverage around periodically since rates are constantly changing. Even if you got the lowest price for CTS insurance two years ago you will most likely find a better rate today. There is a lot of wrong information about auto insurance on the internet, so I’m going to show you some good information on how to buy auto insurance cheaper.

If you have insurance now or are looking for a new policy, you can use this information to find the best rates and possibly find even better coverage. Choosing the best insurance company for you is not that difficult. Vehicle owners only need an understanding of the tricks to shop online.

Pieces of the Cadillac CTS insurance rate puzzle

It’s important that you understand some of the elements that help determine insurance coverage rates. Knowing what influences your rates empowers consumers to make smart changes that may reward you with lower insurance coverage prices.

The following are some of the factors used by your company to calculate rates.

  • Equipment add-ons that lower insurance coverage rates – Owning a car with an alarm system can help lower your rates. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your car from being stolen.
  • Your spouse saves you money – Having a wife or husband actually saves money on insurance coverage. Marriage means you’re more mature than a single person and statistics show being married results in fewer claims.
  • Lower deductibles cost more – Deductibles for physical damage define the amount you are required to spend before your insurance coverage pays a claim. Physical damage insurance, also known as collision and other-than-collision, is used to repair damage to your car. A few examples of covered claims are running into the backend of another car, damage caused by hail, and rolling your vehicle. The more you have to pay, the lower your rates will be for CTS insurance.
  • How’s your driving record? – A bad driving record impacts your car insurance rates tremendously. Even one speeding ticket can increase rates forty percent or more. Good drivers have lower premiums than their less careful counterparts. If you have dangerous violations such as DWI, reckless driving or hit and run convictions may find they need to file a proof of financial responsibility form (SR-22) with their state DMV in order to prevent a license revocation.
  • Battle of the sexes – Statistics have proven that men are more aggressive behind the wheel. However, this does not mean women are BETTER drivers than men. Women and men cause accidents at a similar rate, but the male of the species have costlier accidents. Men also tend to get more serious tickets like DUI and reckless driving. Young males are the most expensive to insure and thus pay the highest rates.
  • Pleasure use or commuting – The more you drive in a year the more you’ll pay to insure your vehicle. Most insurance companies rate vehicles based on their usage. Vehicles not used for work or commuting can get a lower rate as compared to vehicles used primarily for driving to work. Ask your agent if your insurance coverage policy properly reflects the correct driver usage, because it can save money. Incorrect usage on your CTS can result in significantly higher rates.
  • Your credit rating is important – Credit score is a big factor in calculating your insurance coverage rates. Therefore, if your credit history is lower than you’d like, you could save money insuring your 2011 Cadillac CTS by repairing your credit. Drivers who have good credit tend to be better drivers and file fewer claims as compared to drivers with poor credit.

Comprehensive Car Insurance Comparison Quotes

There are a variety of methods to compare 2011 Cadillac CTS car insurance quotes, but there is one way that is less labor-intensive and much quicker. You can spend countless hours driving to agents in your area, or you can utilize online quotes to achieve your goal.

Many popular insurance companies enroll in a system where prospective buyers enter their coverage request one time, and every company provides a quote. This system prevents you from having to do form submissions for each company you want a rate for. To compare 2011 Cadillac CTS rates now click here (opens in new window).

The only downside to pricing coverage this way is you cannot specify which insurance companies to get pricing from. If you wish to select specific insurance companies to request quotes from, we put together a list of low cost car insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but make darn sure you compare identical coverage limits and deductibles with every price quote. If you enter differing limits it will be very difficult to determine which rate is truly the best.

Are you getting all your discounts?

Companies offering auto insurance don’t always list all their discounts in an easy-to-find place, so we took the time to find some of the more common as well as the least known discounts you could be receiving. If they aren’t giving you every credit available, you are paying more than you should be.

  • Multiple Cars – Buying insurance for all your vehicles on one policy may reduce the rate for each vehicle.
  • Paperless Signup – Some insurance companies will give a small break just for signing your application on their website.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can avoid accidents and therefore earn up to a 10% discount.
  • Low Mileage Discounts – Keeping the miles down on your Cadillac could qualify for a substantially lower rate.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt could save 15% off your PIP or medical payments premium.
  • Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class if it’s offered in school.
  • Homeowners Savings – Owning a house can save you money because of the fact that having a home demonstrates responsibility.
  • Theft Prevention Discount – Anti-theft and alarm systems help deter theft and therefore earn up to a 10% discount.

Drivers should understand that some credits don’t apply to all coverage premiums. Most only apply to the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears it’s possible to get free car insurance, it doesn’t quite work that way.

A partial list of companies that possibly offer these discounts are:

Before buying, ask each insurance company how you can save money. Savings might not apply everywhere.

Tailor your coverage to you

When it comes to buying the best insurance coverage, there really is not a perfect coverage plan. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions may help you determine if your insurance needs would benefit from an agent’s advice.

  • Can I drive in Mexico and have coverage?
  • Is my 2011 Cadillac CTS covered for smoke damage?
  • Is other people’s property covered if stolen from my vehicle?
  • How much liability coverage do I need in my state?
  • Where can I find high-risk insurance?
  • Is a new car covered when I drive it off the dealer lot?
  • What discounts do I qualify for?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverage basics

Learning about specific coverages of a car insurance policy can help you determine the best coverages and proper limits and deductibles. Car insurance terms can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages available from car insurance companies.

Coverage for medical payments – Med pay and PIP coverage pay for bills for hospital visits, nursing services, doctor visits and pain medications. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Collision coverages – This coverage pays for damage to your CTS from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like backing into a parked car, scraping a guard rail, sustaining damage from a pot hole and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage – This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Cadillac CTS.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive coverages – This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, fire damage, hitting a bird and falling objects. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability coverage – This provides protection from damage that occurs to other people or property. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things like repair costs for stationary objects, legal defense fees and emergency aid. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

More effort can pay off

We’ve covered a lot of tips how to shop for 2011 Cadillac CTS insurance online. The key concept to understand is the more times you quote, the better likelihood of reducing your rate. Consumers may even find the best prices are with some of the lesser-known companies. They can often insure niche markets at a lower cost than their larger competitors like State Farm or Progressive.

When shopping online for car insurance, do not sacrifice coverage to reduce premiums. There have been many situations where an accident victim reduced collision coverage only to regret that they should have had better coverage. The proper strategy is to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

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