2013 Cadillac CTS Car Insurance Quotes

Trying to find lower car insurance rates for your Cadillac CTS? Did you fall for a flashy sales pitch and buy high-priced car insurance? Believe me, you are not the only one feeling buyer’s remorse. With so many choices, it can be impossible to locate the best provider.

The purpose of this article is to let you in on how car insurance quotes work and some tips to save money. If you are paying for car insurance now, you will be able to save some money using this information. Drivers just need to understand the proper way to find the lowest price online.

Insurance Comparisons

There are a lot of ways you can shop for insurance and some are easier and takes less work. You could waste a few hours discussing policy coverages with insurance agencies in your area, or you could save time and use the web for quick rates.

Most of the best insurance companies participate in a marketplace where prospective buyers complete one form, and every company then gives them pricing based on that information. This saves time by eliminating repetitive form submissions for every insurance company.

To submit your quote information now, click here (opens in new window).

The only drawback to pricing coverage this way is that consumers can’t choose which companies to get pricing from. If you wish to select from a list of companies to receive pricing from, we have a listing of insurance companies in your area. Click here to view list.

It doesn’t matter which method you choose, just make darn sure you compare exactly the same coverage information with every price quote. If you use unequal deductibles or liability limits it will be next to impossible to decipher which rate is best.

Best discounts on 2013 Cadillac CTS coverage

Properly insuring your vehicles can get expensive, but there could be available discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you get a quote, but some may not be applied and must be specifically requested before they will apply. If you aren’t receiving every discount you deserve, you are throwing money away.

  • Life Insurance – Larger companies have a break if you buy a life insurance policy as well.
  • Own a Home – Simply owning a home may earn you a small savings because of the fact that having a home shows financial diligence.
  • Safety Course Discount – Completing a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Accident Waiver – Certain companies will forgive one accident before raising your premiums if your claims history is clear for a particular time prior to the accident.
  • Passive Restraints – Cars that have air bags can receive discounts up to 30%.
  • Early Signing – Select companies give a discount for buying a policy before your current expiration date. This can save 10% or more.
  • Multi-car Discount – Having more than one vehicle on the same insurance coverage policy may reduce the rate for each vehicle.
  • Senior Citizens – If you’re over the age of 55, you may qualify for a discount up to 10% for CTS coverage.
  • Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.

As a disclaimer on discounts, most credits do not apply the the whole policy. Some only apply to the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like all those discounts means the company will pay you, it doesn’t quite work that way. Any amount of discount will cut your premiums.

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

Check with every prospective company which discounts they offer. Some discounts may not be available in your area.

Why your Cadillac CTS might be costing you more

It’s important that you understand the factors that come into play when calculating insurance rates. Having a good understanding of what controls the rates you pay allows you to make educated decisions that can help you get better insurance rates.

The list below includes some of the items companies use to determine your rates.

  • Older drivers pay less – Teen drivers are known to be careless and easily distracted when behind the wheel so they pay higher insurance rates. Older insureds are more cautious drivers, tend to cause fewer accidents and tend to be better behind the wheel.
  • Never go without insurance – Having an insurance coverage lapse will be a guaranteed way to trigger a rate increase. Not only will you pay more, but not being able to provide proof of insurance might get you a hefty fine and possibly a revoked license.You may then be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
  • Discounts for multiple policies – Many companies provide better rates to policyholders who consolidate policies with them such as combining an auto and homeowners policy. This can amount to anywhere from five to ten percent in most cases. Even with this discount, it’s still a good idea to compare other company rates to verify if the discount is saving money.
  • Don’t skimp on liability – The liability section of your policy is the protection when a jury decides you are liable for damages caused by your negligence. It provides legal defense coverage which can cost thousands of dollars. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not skimp.

Tailor your coverage to you

When choosing the best insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s needs are different so this has to be addressed. For example, these questions may help you determine whether or not you could use an agent’s help.

  • Am I insured when driving a different vehicle?
  • Am I better off with higher deductibles on my 2013 Cadillac CTS?
  • Does my liability insurance cover pulling a trailer or camper?
  • How high should my uninsured/underinsured coverage be in my state?
  • Can my babysitter drive my car?
  • Does my insurance cover a custom paint job?
  • Are my tools covered if they get stolen from my vehicle?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is my 2013 Cadillac CTS covered for flood damage?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance companies in your area. It only takes a few minutes and may give you better protection.

Car insurance 101

Having a good grasp of insurance can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverage types found on the average insurance policy.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Cadillac CTS.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive insurance

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as hail damage, a broken windshield, rock chips in glass, hitting a deer and theft. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for expenses like funeral costs, EMT expenses and chiropractic care. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage


This coverage will cover damages or injuries you inflict on a person or their property in an accident. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as emergency aid, medical expenses and medical services. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Auto collision coverage

This pays for damage to your CTS caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as crashing into a ditch, colliding with a tree, hitting a mailbox and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Summing up your insurance search

We just presented a lot of tips how to save on 2013 Cadillac CTS insurance. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. You may even find the most savings is with a small local company. Smaller companies often have lower prices on specific markets than the large multi-state companies such as Progressive or GEICO.

Cost effective insurance can be found both online as well as from independent agents, and you need to comparison shop both to have the best selection. Some insurance providers don’t offer online price quotes and most of the time these regional insurance providers sell through independent agents.

As you shop your coverage around, make sure you don’t buy less coverage just to save a little money. There have been many situations where an insured dropped uninsured motorist or liability limits only to discover later that it was a big mistake. Your focus should be to buy the best coverage you can find for the lowest price while still protecting your assets.

Other information