The Cadillac CTS is a sporty sedan that was introduced by General Motors in 2002. It is a mid-size luxury car and comes in three different body styles, a coupe, a sedan, and a sport wagon. Although it is not as expensive to insure as the Cadillac Escalade, the Cadillac CTS can cost around $1,200 per year to insure.
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Consistently named one of the best cars every year, the Cadillac CTS is currently available in six different styles. The engine ranges from a 3.0 liter V6 with 270 horsepower to a 6.2 liter V8 with 556 horsepower. You can get a 6-speed automatic or a 6-speed manual transmission.
Types of Cadillac CTS to Insure
There are many different kinds of Cadillac cars you can buy, but the CTS model is one of the highest rated cars. Depending on the body style you like and the price you can afford, you have a range of options.
Insurance costs for your Cadillac CTS will vary based on the model as well as your own personal profile, driving record, and your location. Below is a list of the CTS Cadillac cars that you can own.
- The CTS Sport Sedan starts at $35,165 MSRP and can go as high as $53,970.
- The CTS-V Sedan starts at $63,465 MSRP and can go as high as $72,125.
- The CTS Coupe starts at $38,165 MSRP and can go as high as $50,210.
- The CTS-V Coupe starts at $63,465 MSRP and can go as high as $71,675.
- The CTS Sport Wagon starts at $38,265 MSRP and can go as high as $52,940.
- The CTS-V Sport Wagon starts at $63,465 MSRP and can go as high as $72,010.
Obviously there is a wide range in pricing and options for the Cadillac CTS. The more money you spend on your car, the higher your insurance is going to be, especially if you buy comprehensive car insurance.
How to Insure your Cadillac CTS
If you buy a new Cadillac CTS you need to insure it. You will have to buy liability insurance in order to satisfy your state’s requirements, but that is not enough to protect your investment.
You need to consider purchasing collision and comprehensive car insurance as well for your new Cadillac CTS. The least amount of money you are going to spend on a new 2011 Cadillac CTS is $35,165 and you are going to want to protect that asset.
Collision car insurance protects you in case you are at fault for an accident and your car gets damaged. Comprehensive car insurance covers you for every other type of damage your car may incur, including theft.
Without collision and comprehensive car insurance you are very vulnerable to a host of possible incidents. Liability only pays for damages to a third party driver, so unless your car is struck by someone else, you are not covered without total car insurance.
How to Reduce Premiums for your Cadillac CTS Car Insurance
Car insurance is based on quite a few different elements, and while there are ways to reduce your premium you are unable to change some factors that determine your rate. Before you buy a new car, you should request quotes for insurance to find out how much you can expect to pay.
Insurance quotes are determined by your personal profile, such as your:
- Marital status
- Credit history
However, your insurance rate is going to change based on the make and model car you plan on insuring.
The Cadillac CTS is a luxury car that is going to cost more to insure than a small-size economy car. If you do not already own a Cadillac CTS, get insurance quotes to find out if you can truly afford the car. You may have already budgeted for your car payments, but if you can’t pay for the insurance you will not be able to drive your car.
If you already own your Cadillac CTS then you need to buy insurance for it. Here are some tips to help reduce those car insurance premiums:
- Request various discounts from your car insurance company. Find out how much you can save by putting all of your insurance policies with the same company.
- Ask if you qualify for a reduction in rate if your car is garage kept.
- Tell your car insurance agent about any safety and security features that are installed in the car, as these usually qualify you for some sort of discount.
Of course, keeping an impeccable driving record and raising your credit score can also help you score a lower insurance rate. Compare the cost of premiums from one insurance company to the next and factor in any discounts you will get so you know who is giving you the cheapest car insurance for your Cadillac CTS.
How much your car insurance costs for a Cadillac CTS will depend on where you live as well as other factors. Enter your zip code now to start getting car insurance quotes to find the best policy for your Cadillac CTS.