How Much Does 2006 Cadillac CTS Car Insurance Cost?

Looking for better insurance rates for your Cadillac CTS? Buying the cheapest insurance online may be impossible for consumers not familiar with comparing rates online. With so many insurers to choose from, how can anyone have a chance to compare the different rates to find the cheapest available price?

It’s a good idea to price shop coverage occasionally since rates trend upward over time. Despite the fact that you may have had the best rates for CTS insurance a couple years back you can probably find a better price now. There is a lot of bad advice regarding insurance online but we’re going to give you a bunch of ideas how to reduce your insurance bill.

Buying car insurance is quite easy. Essentially every vehicle owner who has to buy auto insurance will more than likely be able to lower their premiums. But vehicle owners must learn how big insurance companies compete online.

The best way we recommend to get policy rate comparisons utilizes the fact most insurance companies pay for the opportunity to provide you with free rate quotes. To get started, all you need to do is give them rating details including how your vehicles are used, if your license is active, any included safety features, and if you lease or own. Your insurance information is then submitted to many of the top insurers and you receive quotes quickly.

To compare rates now, click here and complete the quick form.

More discounts equal less premium

Companies that sell car insurance don’t necessarily list all available discounts in an easy-to-find place, so we researched both the well known and the more hidden ways to save on car insurance.

  • Driver Safety – Taking part in a driver safety course could cut 5% off your bill if you qualify.
  • New Vehicle Savings – Insuring a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • Accident Waiver – Certain companies permit an accident before hitting you with a surcharge if you are claim-free prior to the accident.
  • Resident Student – Kids in college who are attending college and do not have access to a covered vehicle can receive lower rates.
  • Homeowners Discount – Being a homeowner may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
  • Bundle and Save – When you have multiple policies with the same company you could get a discount of approximately 10% to 15%.
  • E-sign – Certain companies give back up to $50 simply for signing online.
  • Good Students Pay Less – Performing well in school can get you a discount of up to 25%. This discount can apply well after school through age 25.
  • Military Discounts – Having a deployed family member may qualify for rate reductions.

Keep in mind that most discounts do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as comp or med pay. So even though they make it sound like you could get a free car insurance policy, companies don’t profit that way.

Insurance companies who might offer these discounts are:

Double check with every prospective company what discounts are available to you. Savings may not apply in your area.

It’s not one size fits all

When choosing the right insurance coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different.

For instance, these questions can help discover if you may require specific advice.

  • Do I pay less if my vehicle is kept in my garage?
  • Am I covered when delivering products for my home-based business?
  • Which is better, split liability limits or combined limits?
  • Do I have coverage for damage caused while driving under the influence?
  • Is a blown tire covered by insurance?
  • Should I buy additional glass protection?

If you can’t answer these questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form.

Car insurance coverages for a 2006 Cadillac CTS

Knowing the specifics of your car insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Collision – Collision insurance pays for damage to your CTS caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as sideswiping another vehicle, hitting a parking meter, backing into a parked car, scraping a guard rail and driving through your garage door. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your 2006 Cadillac CTS.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Comprehensive insurance – Comprehensive insurance coverage will pay to fix 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 protects against claims like a tree branch falling on your vehicle, a broken windshield and rock chips in glass. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability coverage – Liability insurance can cover damage or injury you incur to people or other property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for claims like pain and suffering, emergency aid, attorney fees and medical expenses. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as nursing services, X-ray expenses, doctor visits, dental work and prosthetic devices. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay