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The CTS is a sports sedan in Cadillac’s lineup. This car extremely versatile as it is available in three body styles: a coupe, sedan, and sports wagon. The lowest priced of the three, the sedan, starts with an MSRP of just under $36,000. However, sticker prices aren’t everything. New car buyers should look into the associated costs of owning a car. It’s very important to consider how much insurance premiums will be. If you’d like to learn how to save on Cadillac CTS insurance costs, read on.
All-American styling and excellent handling makes the CTS an easy choice for any buyer. All models sport a 3.0 liter six-cylinder engine that can really go, though it can be outfitted with a more powerful 3.6 liter V6. To further customize your CTS experience, you have your choice of opting for the all-wheel drive or rear wheel drive versions of the car.
The CTS also comes with a wide array of creature comforts and safety features. Most notably it includes: leather upholstery, Navigation system, and an excellent stereo. A very capable car with a roomy interior, one of the things it has going against it is poor rear-view visibility.
Insurance rates will vary from driver to driver and insurer to insurer, though on average, CTS owners have paid around $1,200 for car insurance annually.
Perhaps the best way to save on auto insurance is to begin researching before you buy the car. Get at least 3 quotes from separate insurance companies. One insurer might have some incentives or discounts that the other does not. This way you can compare and contrast and ensure you get the best rates.
Risk factors also go into the premium calculation. Things like age, driving history or location usually help determine your rates.
Location is important, because if you live in or are moving to an urban area that sees a lot of traffic, you could see an increase in your rates. Higher volumes of traffic put you at higher risk of an accident. If you are under 25 years of age, you are considered to be a less experienced driver. This also reflects negatively on your insurance premium. A clean driving history denotes a conscientious driver; safe drivers will likely see lower rates than other people as driving records are a good measure of responsibility.
The 2012 CTS hasn’t been tested by the federal government full, though it has received a safety rating of 4/5 stars on rollover tests. Safety ratings are important because they can help lower your insurance premium. The IIHS hasn’t yet tested the 2012 CTS sedan; however, the 2011 CTS is considered a Top Safety Pick. This means that it essentially aced all of its crash tests, and received top scores in all of its crash tests.
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