How Much Does 2013 Cadillac CTS Wagon Car Insurance Cost?

Consumers who are new to comparing auto insurance quotes on the web may discover buying inexpensive car insurance is tougher than they thought.

How to get free car insurance quotes online

The majority of larger companies make it easy to get coverage prices direct online. Getting online rates is fairly straightforward as you just type in the coverage amounts you desire into the form. Upon sending the form, the system will obtain reports for credit and driving violations and returns pricing information determined by many factors.

Quoting online makes it a lot easier to compare rates but the process of having to visit several different sites and fill out multiple forms is a waste of time. But it’s absolutely necessary to get many rate quotes in order to find the lowest possible prices on car insurance.

Online rates the easy way

The easiest way to lower your rates is to use a quote form that analyzes rates from several different companies. It’s a real time-saver, requires less work, and makes online shopping much easier to do. After sending your information, it is quoted and you can choose your choice of the quotes that you receive. If you find a better price you can click and sign and purchase the new policy. This process takes just a few minutes to complete and may save quite a bit of money.

To quickly find out how much you can save on car insurance, click here and enter your vehicle and coverage information. If you have a policy now, it’s recommended you complete the form with the limits and deductibles as close as possible to your current policy. This guarantees you will receive a price comparison based on identical coverages.

Insurance quotes and discounts

Car insurance companies don’t list every policy discount in a way that’s easy to find, so the next list breaks down a few of the more common as well as some of the hidden credits available to you.

• No Charge for an Accident – Not necessarily a discount, but companies like Allstate, Progressive, and Geico permit an accident before they charge you more for coverage if you have no claims prior to the accident.
• Paper-free Discount – A few insurance companies give back up to $50 for completing your application online.
• Buy New and Save – Buying insurance coverage on a new vehicle may earn a small discount compared to insuring an older model.
• Discounts for Government Workers – Simply working for the federal government can save as much as 8% on CTS Wagon coverage with certain companies.
• Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
• Driver’s Ed – Reduce the cost of insurance for teen drivers by having them take driver’s ed class as it can save substantially.

It’s important to understand that some of the credits will not apply the the whole policy. Most cut the cost of specific coverages such as liability and collision coverage. So even though you would think having all the discounts means you get insurance for free, it doesn’t quite work that way.

If you would like to view insurers that have a full spectrum of discounts, click here.

Situations that may require an agent’s advice

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s situation is a little different.

For example, these questions can aid in determining whether or not you could use an agent’s help.

• Should I get collision insurance on every vehicle?
• Do I need replacement cost coverage?
• Do I need more liability coverage?
• At what point should I drop full coverage?
• How high should my medical payments coverage be?
• What happens if I owe more than my 2013 Cadillac CTS Wagon is worth?
• Do I need rental car coverage?
• Do I need PIP (personal injury protection) coverage in my state?
• What is the ISO rating for a 2013 Cadillac CTS Wagon?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form.

Get Cadillac CTS Wagon insurance cheaper

It’s important that you understand some of the elements that go into determining insurance coverage rates. If you know what determines premiums, this helps enable you to make changes that may reward you with much lower annual insurance costs.

• Policy claims cost money – Auto insurance companies provide the best rates to insureds who only file infrequent claims. If you are the type of insured that files lots of claims you can look forward to higher premiums or even policy non-renewal. Insurance coverage is meant to be used in the event of the large, substantial claims.
• Bundle policies and save – Lots of insurance companies give a discount for people who have multiple policies with them, otherwise known as a multi-policy discount. Even if you already get this discount, it’s still a good idea to shop around to help ensure you have the lowest rates.
• Younger driver insurance rates – Older, more experienced drivers tend to be more responsible, tend to cause fewer accidents and receive fewer citations.Young drivers are known to be more careless behind the wheel and because of this, their insurance coverage rates are much higher.
• Extra policy coverages you don’t use – Insurance policies have a lot of add-on coverages that sound like a good idea at the time but may not be useful. Coverage for things like replacement cost coverage, death and dismemberment, and motor club memberships are some examples. The coverages may be enticing when discussing your needs, but if you don’t need them eliminate them to save money.
• Drive less and get lower costs – Driving a lot of miles in a year’s time the more you’ll pay to insure your vehicle. Many insurance companies price each vehicle’s coverage based on how the vehicle is used. Cars and trucks that sit idle most of the time can be on a lower rate level than cars that get driven a lot. Incorrect rating for your CTS Wagon may be wasting your money. It’s a good idea to make sure your declarations sheet is rated on the proper vehicle usage.

Does auto insurance advertising bend the truth?

Auto insurance companies such as Progressive, Allstate and Geico regularly use ads on TV and radio. They all seem to make the promise that drivers will save a bundle if you just switch your policy. Is it even possible that every company can offer drivers better rates? Here is the trick they use.

Companies are able to cherry pick for the type of customer that earns them the most money. For instance, this type of risk profile might be described as between the ages of 40 and 55, has few claims, and drives less than 7,500 miles a year. Any new insured that hits that “sweet spot” will get the preferred premium rates and will probably cut their rates substantially.

Drivers who do not match the requirements will be charged a higher rate and business not being written. The trick is to say “drivers who switch” not “all people who quote” save that much when switching. That is how companies can truthfully make the claims of big savings. This really emphasizes why it is so important to compare as many free car insurance quotes as you can. It’s not possible to predict which insurance companies will provide the lowest rates.

Insurance policy coverages for a 2013 Cadillac CTS Wagon

Having a good grasp of a insurance policy helps when choosing the best coverages for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement.

Comprehensive or Other Than Collision

This pays for 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.

Comprehensive coverage pays for claims like damage from getting keyed, rock chips in glass, damage from flooding, hail damage and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for dental work, pain medications, doctor visits and prosthetic devices. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible

Liability coverages

Liability insurance will cover damage that occurs to people or other property in an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has 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 liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims such as repair bills for other people’s vehicles, loss of income and attorney fees. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Collision insurance

Collision insurance pays for damage to your CTS Wagon from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like damaging your car on a curb, rolling your car and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Final thoughts

The cheapest 2013 Cadillac CTS Wagon insurance is attainable on the web and also from your neighborhood agents, so you should be comparing quotes from both to have the best rate selection. A few companies may not have rate quotes online and these regional carriers sell through independent agencies.

When buying insurance coverage, never reduce coverage to reduce premium. In many instances, an insured cut comprehensive coverage or liability limits and learned later that it was a big error on their part. The proper strategy is to buy the best coverage you can find at the best cost, not the least amount of coverage.

People change insurance companies for a number of reasons such as questionable increases in premium, high prices, poor customer service and an unsatisfactory settlement offer. Whatever your reason, finding the right insurance provider is not as hard as you think.

More information can be found below:

• Credit Impacts Car Insurance Rates (State Farm)
• Electronic Stability Control FAQ (iihs.org)
• How to Avoid Staged Accidents (State Farm)
• Distracted Driving Statistics (Insurance Information Insitute)
• Keeping Children Safe in Crashes Video (iihs.org)
• Understanding your Policy (NAIC.org)