Strategies for Finding the Best Cadillac CTS Insurance Prices

Finding cheaper insurance for a Cadillac CTS could be a lot of work, but you can learn these tips to save time. There are both good and bad ways to buy auto insurance and we’ll show you the best way to quote coverages for a Cadillac and get the best price possible either online or from local insurance agents.

Buying car insurance is not rocket science. If you are insured now or need a new policy, you can use these tips to find the best rates and possibly find even better coverage. Consumers only need to know the tricks to compare price quotes over the internet.

Lesser-known factors impacting Cadillac CTS insurance rates

Consumers need to have an understanding of some of the elements that come into play when calculating auto insurance rates. Understanding what determines base rates empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

  • Drive a safer car and pay less – Vehicles with high crash test scores get lower rates. The safest vehicles protect occupants better and better occupant protection translates into savings for insurance companies passed on to you as lower rates. If your Cadillac has ratings of a minimum four stars on or an “acceptable” rating on you are probably receiving a discount.
  • Protect yourself with liability coverage – The liability section of your policy will protect you when a jury decides you are liable for causing damage or personal injury in an accident. It provides for a legal defense which can be incredibly expensive. Liability insurance is quite affordable compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Tickets mean higher rates – A bad driving record has a huge affect on how much you pay. Good drivers tend to pay less for car insurance than bad drivers. Even one moving violation can increase rates by twenty percent. If you have serious violations like DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to continue driving.
  • Increase deductibles and save – Deductibles for physical damage define the amount you are willing to pay out-of-pocket before your auto insurance pays a claim. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of covered claims could be running into the backend of another car, damage from fire, and burglary. The more expense you’re willing to pay, the less your auto insurance will be for CTS insurance.

How to Compare Auto Insurance Costs

Getting a lower price on insurance is actually quite simple. The only requirement is to invest a few minutes to get quotes online from several insurance companies. This can be accomplished in a couple of different ways.

  1. The easiest and least time consuming way to get quotes for comparison is to use a rate comparison form (click to open form in new window). This type of form prevents you from having to do repetitive form entry for every auto insurance company. Completing one form will get you price quotes from many national carriers. This is perfect if you don’t have a lot of time.
  2. A slightly less efficient method to shop for auto insurance online requires a trip to the website for each individual company to complete their respective quote request forms. For example, we’ll pretend you want comparison quotes from GEICO, Farmers and Travelers. To get each rate you have to take the time to go to each site and enter your information, which is why the first method is quicker.

    For a list of links to insurance companies in your area, click here.

  3. The most time-consuming way to compare rates is to waste gas driving to insurance agents’ offices. The ability to buy insurance online eliminates the need for an insurance agent unless you want the trained guidance only provided by licensed agents. You can, however, get the lowest quotes online and still use a local agent and we’ll cover that in a bit.

It doesn’t matter which method you choose, just make absolute certain that you use the exact same deductibles and coverage limits for each comparison quote. If you compare different liability limits it will be very difficult to find the best deal for your Cadillac CTS.

Companies offer discounts so take them!

Companies that sell car insurance don’t list every discount in a way that’s easy to find, so here is a list both well-publicized as well as the least known auto insurance savings. If you aren’t receiving every discount you deserve, you are throwing money away.

  • Theft Prevention System – Vehicles with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Lower Rates for Military – Having a deployed family member could mean lower rates.
  • Defensive Driving Course – Completing a course teaching defensive driving skills could cut 5% off your bill if your company offers it.
  • Federal Employees – Simply working for the federal government can earn a discount up to 10% for CTS insurance with certain companies.
  • Student Driver Training – Require your teen driver to enroll in driver’s education in high school.
  • Sign Early and Save – Some companies give discounts for signing up before your current expiration date. It can save you around 10%.
  • Drive Less and Save – Fewer annual miles on your Cadillac could qualify for better rates on cars that stay parked.
  • Life Insurance – Companies who offer life insurance give lower rates if you buy auto and life insurance together.
  • No Charge for an Accident – A few companies will allow you to have one accident before raising your premiums if your claims history is clear prior to the accident.
  • Seat Belts Save – Requiring all passengers to wear their seat belts could save 15% off the personal injury premium cost.

Drivers should understand that most discount credits are not given the the whole policy. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like having all the discounts means you get insurance for free, companies don’t profit that way.

But don’t I need an insurance agent?

Some people just want to talk to a local agent and there is nothing wrong with that. Insurance agents are trained to spot inefficiencies and help submit paperwork. The biggest benefit of comparing rates online is the fact that you can find the lowest rates but also keep your business local.Auto insurance in

Once you complete this form (opens in new window), your coverage information gets sent to local insurance agents who will give you bids for your insurance coverage. You won’t need to drive around since price quotes are sent to the email address you provide. Now that’s easy!

Choosing a company needs to be determined by more than just the premium amount. Some important questions to ask are:

  • Does the agency support the community they serve?
  • Can glass repairs be made at your home?
  • How much can you save by raising your physical damage deductibles?
  • How are claims handled?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?

Multiple types of insurance agencies

When researching a good insurance agency, you need to know there are two different types of agents that differ in how they can insure your vehicles. Agencies can either be independent or captive. Either one can do a good job, but it’s important to know the difference between them since it can impact buying decisions.

Agency Captives

This type of agents can only place business with one company and examples are State Farm, AAA, Farmers Insurance or Allstate. They usually cannot shop your coverage around so they have no alternatives for high prices. These agents receive extensive training on the products they sell which helps them sell insurance even at higher premiums. Some consumers prefer to buy from captive agents mainly due to the prominence of the brand and the convenience of having a single billing for all their coverages.

Independent Agents

Independent agents are not locked into one company but rather can write business with lots of companies and potentially find a lower price. If your agent finds better pricing, the agent simply finds a different carrier and you won’t have to switch agencies.

When comparing rates, you should always contact at least one independent agent for maximum quote selection. Most have the option of insuring with lesser-known insurance companies which may provide better rates.

To view a complete directory of agencies, visit this page.

insurance for CTS

Once you have received acceptable answers for all questions you ask and a good coverage price, you may have just found a car insurance agent that meets your needs to properly insure your vehicles.

Keep this in mind

Cost effective Cadillac CTS insurance can be purchased on the web and with local insurance agents, and you need to comparison shop both to have the best rate selection. Some companies do not offer online quoting and most of the time these smaller companies sell through independent agents.

We just presented some good ideas how you can shop for Cadillac CTS insurance online. The key concept to understand is the more price quotes you have, the better likelihood of reducing your rate. You may be surprised to find that the lowest rates come from the least-expected company.

While you’re price shopping online, make sure you don’t buy poor coverage just to save money. In too many instances, an accident victim reduced liability coverage limits only to find out that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.