Vehicles > Cadillac > CTS Wagon
You have lots of choices when shopping for insurance coverage for your Cadillac vehicle. You can either contact an agent or shop online to compare insurance costs of a lot of car insurance companies. Shopping for car insurance through online companies is easy and at the same time you can save money.
Consumers not familiar with comparison shopping may think shopping for cheap CTS Wagon insurance is difficult. There are several ways to get quotes from car insurance companies in your area. The best method to find the cheapest CTS Wagon insurance cost consists of shopping online. It is quite easy and can be accomplished by getting a quick quote here.
Car insurance premiums for a Cadillac CTS Wagon can be significantly different based upon several criteria. Taken into consideration are:
An additional factor that will help determine CTS Wagon insurance rates is the year of the vehicle. Older cars and trucks have a reduced actual cash value than newer models so repair costs tend to be lower which will push premiums down. But more recent Cadillac vehicles may have safety features including tire pressure monitors, traction control, and adaptive cruise control that may help help offset higher rates.
To get more specific information about how much rates will be for your vehicle, select the year of your CTS Wagon from available model years below.
Coverage for liability - Liability insurance will cover damages or injuries you inflict on other people or property by causing an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so you should buy as large an amount as possible.
Collision coverage - Collision coverage will pay to fix damage to your Cadillac caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder. CTS Wagon collision insurance is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.
Comprehensive coverage (or Other than Collision) - Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.
Uninsured/Underinsured Motorist coverage - This provides protection when the "other guys" are uninsured or don't have enough coverage. Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.
Insurance for medical payments - Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as doctor visits, EMT expenses, and X-ray expenses. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. PIP is only offered in select states and may carry a deductible.
How Much are Cadillac CTS Wagon Insurance Rates?