Best Quotes for Cadillac CTS Insurance in Austin

Insurance quote for Cadillac CTS in AustinI can’t think of anyone who looks forward to buying auto insurance, especially when they know the price is too high.

Statistics show that most consumers in Texas have been with the same company for at least four years, and approximately 40% of consumers have never shopped around. American consumers could save an average of about $860 each year by just comparing quotes, but they just assume it’s a time-consuming process to compare rate quotes online. Big-name insurance companies like Progressive, State Farm and GEICO all claim big savings, bombarding you with ads and it can be hard to ignore the propaganda and effectively compare rates to find the best deal.

It’s a good habit to compare premium rates at least once a year since insurance rates go up and down regularly. Just because you found the best rate on Cadillac CTS insurance in Austin two years ago the chances are good that you can find a lower price today. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the things you must know in order to eliminate unnecessary coverages and save money on Cadillac CTS insurance in Austin.

If you have insurance now or need a new policy, use these tips to reduce the price you pay without reducing coverage. Finding the cheapest insurance coverage in Austin seems hard but is not really that difficult. You only need to know the quickest way to compare different rates online.

All the larger auto insurance companies such as Progressive, Allstate and GEICO allow consumers to get price estimates on their websites. Doing online quotes for Cadillac CTS insurance in Austin doesn’t take a lot of time as you just enter your personal and coverage information as requested by the quote form. Upon sending the form, the system orders your credit score and driving record and generates a price based on the data you entered. Getting online quotes for Cadillac CTS insurance in Austin makes it simple to compare prices and it is important to perform this step if you are searching for a better rate.

If you want to compare rates now, compare rate quotes from the providers shown below. If you have your current policy handy, we recommend you enter your coverages as close as possible to your current policy. Doing this guarantees you will get an apples-to-apples comparison based on the exact same insurance coverage.

The following companies provide comparison quotes in Austin, TX. If several companies are displayed, it’s highly recommended you click on several of them in order to find the lowest rates.

Cadillac CTS Insurance Rate Estimates in Austin, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CTS AWD $232 $462 $430 $26 $128 $1,278 $107
CTS $234 $368 $500 $30 $150 $1,282 $107
CTS Luxury AWD $332 $672 $382 $22 $114 $1,522 $127
CTS Performance AWD $318 $828 $430 $26 $128 $1,730 $144
CTS Luxury $262 $532 $388 $24 $116 $1,322 $110
CTS Performance $326 $774 $462 $28 $138 $1,728 $144
CTS Sport $262 $532 $388 $24 $116 $1,322 $110
CTS Premium $318 $660 $400 $24 $120 $1,522 $127
CTS Premium AWD $232 $450 $358 $22 $108 $1,170 $98
Get Your Own Custom Quote Go

Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Estimates do not factor in zip code location which can alter premium rates significantly.

Deductible analysis

One of the more difficult decisions when buying auto insurance is which comprehensive and collision deductibles to buy. The comparisons below summarize how much more you’ll pay between low and high physical damage deductibles. The first set of prices uses a $250 deductible for comprehensive and collision coverage and the second set of rates uses a $1,000 deductible.

Cadillac CTS insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CTS AWD $332 $584 $382 $22 $114 $1,459 $122
CTS $332 $584 $382 $22 $114 $1,459 $122
CTS Luxury AWD $332 $672 $382 $22 $114 $1,547 $129
CTS Performance AWD $332 $672 $382 $22 $114 $1,547 $129
CTS Luxury $332 $672 $382 $22 $114 $1,547 $129
CTS Performance $332 $672 $382 $22 $114 $1,547 $129
CTS Sport $332 $672 $382 $22 $114 $1,547 $129
CTS Premium $370 $672 $382 $22 $114 $1,585 $132
CTS Premium AWD $370 $672 $382 $22 $114 $1,585 $132
Get Your Own Custom Quote Go

Cadillac CTS insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CTS AWD $206 $368 $382 $22 $114 $1,092 $91
CTS $206 $368 $382 $22 $114 $1,092 $91
CTS Luxury AWD $206 $424 $382 $22 $114 $1,148 $96
CTS Performance AWD $206 $424 $382 $22 $114 $1,148 $96
CTS Luxury $206 $424 $382 $22 $114 $1,148 $96
CTS Performance $206 $424 $382 $22 $114 $1,148 $96
CTS Sport $206 $424 $382 $22 $114 $1,148 $96
CTS Premium $228 $424 $382 $22 $114 $1,170 $98
CTS Premium AWD $228 $424 $382 $22 $114 $1,170 $98
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Estimates do not factor in specific garaging location which can lower or raise price quotes greatly.

Using the premium rates above, we can conclude that using a $250 deductible costs approximately $33 more each month or $396 each year than selecting the higher $1,000 deductible. Since you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you go more than 23 months between claims, you would probably be better off if you decide on a higher deductible. The numbers below show the way this decision is made.

Average monthly premium for $250 deductibles: $128
Average monthly premium for $1,000 deductibles (subtract): – $95
Monthly savings from raising deductible: $33
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $33
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

One important caveat is that higher deductibles means you pay more out-of-pocket when you have to file a claim. It will be required that you have enough disposable savings in the event you need to pay the deductible.

Physical damage deductibles

The chart below illustrates how your deductible choice and can change Cadillac CTS insurance costs for each different age category. Data assumes a single female driver, comp and collision included, and no discounts are applied.

Cadillac CTS insurance costs by age and gender

The illustration below shows the comparison of Cadillac CTS insurance premiums for male and female drivers. The premiums assume no claims or driving violations, full coverage, $500 deductibles, marital status is single, and no discounts are applied to the premium.

Cheap Austin auto insurance rates with discounts

The cost of insuring your cars can be expensive, but there’s a good chance there are discounts that many consumers don’t even know exist. Some discounts will apply when you get a quote, but some need to be asked for prior to receiving the credit.Save money with discounts

Please keep in mind that many deductions do not apply to all coverage premiums. Most cut individual premiums such as collision or personal injury protection. Even though it appears all those discounts means the company will pay you, it just doesn’t work that way.

A few popular companies and the discounts they provide include:

Before you buy a policy, ask each company or agent to give you their best rates. A few discounts might not be offered on policies in every state. To view providers who offer free Cadillac CTS insurance quotes in Texas, click this link.

Three good reasons to insure your vehicle

Despite the high cost of buying insurance for a Cadillac CTS in Austin, maintaining insurance is most likely required but also gives you several important benefits.

The benefits of carrying enough insurance are without a doubt worth the cost, particularly for liability claims. The average driver in America overpays as much as $810 a year so it’s important to compare rates at every renewal to save money.

Get rate quotes but still have a neighborhood Austin auto insurance agent

Many people would rather buy from a local agent and often times that is recommended Most agents can make sure you are properly covered and help in the event of a claim. An additional benefit of comparing rates online is the fact that drivers can get cheaper rates and also buy local.

Austin insurance agentsAfter filling out this short form, your coverage information is submitted to local insurance agents in Austin who want to provide quotes and help you find cheaper coverage. There is no need to contact an agency because prices are sent directly to you. If for some reason you want to quote rates from a particular provider, you can always find their quoting web page and fill out the quote form the provide.

Picking the best insurance company requires you to look at more than just the quoted price. Some important questions to ask are:

After you get answers to your satisfaction to any questions you may have as well as a affordable price, you may have found an provider that is reliable enough to service your policy.

Insurance coverage basics

Knowing the specifics of insurance can be of help when determining the best coverages for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverage types available from insurance companies.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for dental work, doctor visits and hospital visits. They are used in conjunction with a health insurance policy or if you do not have health coverage. They cover both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Cadillac CTS.

Due to the fact that many Texas drivers have only the minimum liability required by law (which is 30/60/25), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive (Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as damage from flooding, vandalism and fire damage. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision insurance

This coverage covers damage to your CTS from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as damaging your car on a curb, crashing into a ditch and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible on your CTS to bring the cost down.

Liability insurance

Liability insurance protects you from damage that occurs to other’s property or people by causing an accident. This insurance protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 30/60/25 which stand for a limit of $30,000 per injured person, a per accident bodily injury limit of $60,000, and $25,000 of coverage for damaged property.

Liability can pay for things like structural damage, attorney fees, emergency aid and court costs. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible. Texas state minimum liability requirements are 30/60/25 but you should consider buying better liability coverage.