How many times have you told yourself it’s time to shop around for more competitive Cadillac CTS insurance in Houston? Being forced to pay for overpriced insurance premiums can bottom out your accounts and force you to make tough financial choices. Getting a rate comparison is free and is an excellent way to cut your insurance bill.
Statistics show that nearly 70% of customers have been with the same company for well over three years, and 38% of drivers have never taken the time to shop around. American consumers can save approximately 46.5% each year just by getting comparison quotes, but they mistakenly think it’s difficult to shop their coverage around. Many insurers compete to insure your vehicles, so it can be very hard to choose a insurer to find the lowest rate possible on Cadillac CTS insurance in Houston.
If you have a current auto insurance policy or just want cheaper rates, you can use these techniques to lower your rates without sacrificing coverage. Finding the cheapest auto insurance coverage in Houston is actually quite simple. Vehicle owners just need to use the quickest method to buy auto insurance from many different companies online.
Cheap car insurance in Houston, TX
The companies shown below are ready to provide price quotes in Houston, TX. If several companies are displayed, we recommend you get price quotes from several of them in order to get a fair rate comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CTS AWD | $332 | $584 | $382 | $22 | $114 | $1,434 | $120 |
| CTS | $322 | $572 | $388 | $24 | $116 | $1,422 | $119 |
| CTS Luxury AWD | $176 | $414 | $430 | $26 | $128 | $1,174 | $98 |
| CTS Performance AWD | $176 | $414 | $400 | $24 | $120 | $1,134 | $95 |
| CTS Luxury | $256 | $558 | $358 | $22 | $108 | $1,302 | $109 |
| CTS Performance | $232 | $532 | $430 | $26 | $128 | $1,348 | $112 |
| CTS Sport | $200 | $414 | $388 | $24 | $116 | $1,142 | $95 |
| CTS Premium | $224 | $486 | $462 | $28 | $138 | $1,338 | $112 |
| CTS Premium AWD | $318 | $660 | $430 | $26 | $128 | $1,562 | $130 |
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Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Premium amounts do not factor in specific garaging location which can modify coverage prices considerably.
How high should deductibles be?
When shopping for auto insurance, a common question is the level to set your comp and collision deductibles. The rates below show the rate fluctuation when you buy lower versus higher physical damage deductibles. The first data table uses a $100 deductible for comprehensive and collision coverage and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CTS AWD | $370 | $698 | $382 | $22 | $114 | $1,611 | $134 |
| CTS | $370 | $698 | $382 | $22 | $114 | $1,611 | $134 |
| CTS Luxury AWD | $370 | $804 | $382 | $22 | $114 | $1,717 | $143 |
| CTS Performance AWD | $370 | $804 | $382 | $22 | $114 | $1,717 | $143 |
| CTS Luxury | $370 | $804 | $382 | $22 | $114 | $1,717 | $143 |
| CTS Performance | $370 | $804 | $382 | $22 | $114 | $1,717 | $143 |
| CTS Sport | $370 | $804 | $382 | $22 | $114 | $1,717 | $143 |
| CTS Premium | $412 | $804 | $382 | $22 | $114 | $1,759 | $147 |
| CTS Premium AWD | $412 | $804 | $382 | $22 | $114 | $1,759 | $147 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CTS AWD | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| CTS | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| CTS Luxury AWD | $270 | $542 | $382 | $22 | $114 | $1,330 | $111 |
| CTS Performance AWD | $270 | $542 | $382 | $22 | $114 | $1,330 | $111 |
| CTS Luxury | $270 | $542 | $382 | $22 | $114 | $1,330 | $111 |
| CTS Performance | $270 | $542 | $382 | $22 | $114 | $1,330 | $111 |
| CTS Sport | $270 | $542 | $382 | $22 | $114 | $1,330 | $111 |
| CTS Premium | $300 | $542 | $382 | $22 | $114 | $1,360 | $113 |
| CTS Premium AWD | $300 | $542 | $382 | $22 | $114 | $1,360 | $113 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Information does not factor in your specific Houston location which can increase or decrease auto insurance rates greatly.
Based on the above data, using a $100 deductible will cost you about $32 more each month or $384 for a full year than selecting the higher $500 deductible. Because you would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you normally average at a minimum 13 months between claim filings, you would save money if you choose the higher deductible. Here is the way you can make your own decision.
| Average monthly premium for $100 deductibles: | $142 |
| Average monthly premium for $500 deductibles (subtract): | – $110 |
| Monthly savings from raising deductible: | $32 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $32 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 13 months |
An important thing to remember is that raising deductibles to get cheaper rates results in having to pay to pay more out-of-pocket if you have a claim. That will force you to have access to more funds in order to pay the higher deductible.
Cadillac CTS annual premiums for males versus females
The illustration below compares Cadillac CTS insurance prices for male and female drivers. The costs are based on no accidents or driving violations, full coverage, $1,000 deductibles, single marital status, and no discounts are applied to the premium.
Rate comparison of full coverage and liability-only
The chart below shows the difference between Cadillac CTS insurance costs with full physical damage coverage and with liability coverage only. The premium estimates are based on no violations or claims, $500 deductibles, single male driver, and no discounts are applied.
Guidelines for eliminating full coverage
There is no specific rule for dropping physical damage coverage, but there is a general guideline. If the yearly cost of full coverage is 10% or more of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s pretend your Cadillac CTS claim settlement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $6,000 after the policy deductible has been paid. If you are paying in excess of $600 annually for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.
There are a few situations where dropping full coverage is not advised. If you still owe money on your vehicle, you are required to maintain full coverage in order to keep the loan. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.
Lower the Price of Insurance with These Tips
Lots of factors are part of the calculation when premium rates are determined. Some factors are common sense such as your driving history, but others are not quite as obvious like your continuous coverage or how safe your car is. Part of the insurance buying process is learning some of the elements that go into determining the price you pay for insurance. When you know what positively or negatively influences your rates, this allows you to make good choices that can earn you lower premium levels.
- High performance equals high prices – The type of vehicle you own makes a big difference in the rate you pay. Since the Cadillac CTS is classified as a luxury sports car, insuring your vehicle will cost up to twice as much compared to average rates in Houston. Small economy passenger cars generally receive the lowest base rates, but there are many factors that impact the final cost.
- Don’t skimp on liability insurance – The liability coverage on your policy is the protection when a court rules you are at fault for an accident. Your policy’s liability insurance provides for a legal defense which can cost thousands of dollars. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.
- Lower rates by increasing physical damage deductibles – The deductibles define the amount you are willing to pay if you file a covered claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your car from damage. A few examples of covered claims are collision with another vehicle, collision with a deer, and having a roll-over accident. The more damage repair cost the insured has to pay upfront, the less your company will charge you for insurance.
- Insurance companies don’t like frequent insurance claims – If you frequently file small claims, you should expect either higher rates or even cancellation. Auto insurance companies in Texas award better rates to insureds who are claim-free. Auto insurance is intended to be relied upon for claims that you cannot pay yourself.
- Cadillac CTS insurance loss statistics – Car insurance companies include the past claim history for a vehicle to help determine rates. Vehicles that the data determines to have a trend towards higher claims will have a higher premium rate.
The table below demonstrates the insurance loss data for Cadillac CTS vehicles. For each insurance policy coverage type, the claim probability for all vehicles averaged together is equal to 100. Values that are 100 or less suggest losses that are better than average, while values that are above 100 point to more frequent losses or tendency to have larger claims.
Cadillac CTS Insurance Loss Statistics
Specific Cadillac Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Cadillac CTS 4dr 2WD 123 72 118 73 Cadillac CTS 4dr 4WD 127 75 98 75 Cadillac CTS-V 2dr 174 74 135 Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
You may qualify for discounts for Cadillac CTS insurance in Houston
Properly insuring your vehicles can get expensive, but you might already qualify for some discounts that can drop the cost substantially. Some of these discounts will be visible at the time of quoting, but some must be specially asked for in order for you to get them.
- Active Service Discounts – Being deployed with a military unit may qualify for rate reductions.
- Use Seat Belts – Requiring all passengers to wear their seat belts may be able to save a few bucks off the personal injury premium cost.
- Discounts for New Vehicles – Buying insurance coverage on a new vehicle may earn a small discount because newer vehicles have to meet stringent safety requirements.
- Smart Student Discounts – This discount can save 20 to 25%. The good student discount can last up to age 25.
- Early Signing – Some larger companies give discounts for buying a new policy before your current CTS insurance policy expires. You may see this discount when you get Houston car insurance quotes online.
As a sidenote, most of the big mark downs will not be given to all coverage premiums. Most only apply to the price of certain insurance coverages like medical payments or collision. So even though it sounds like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.
A list of companies and their possible discounts include:
- Progressive may offer discounts for multi-vehicle, online quote discount, homeowner, multi-policy, and continuous coverage.
- AAA may have discounts that include anti-theft, pay-in-full, education and occupation, multi-car, and good student.
- Farmers Insurance discounts include homeowner, switch companies, teen driver, electronic funds transfer, early shopping, and business and professional.
- GEICO may include discounts for anti-theft, daytime running lights, multi-policy, multi-vehicle, driver training, and emergency military deployment.
- Esurance offers premium reductions for multi-policy, good driver, Switch & Save, anti-theft, and renters.
- SAFECO has savings for anti-lock brakes, accident prevention training, drive less, homeowner, anti-theft, multi-car, and bundle discounts.
- State Farm has discounts for good student, Drive Safe & Save, Steer Clear safe driver discount, accident-free, safe vehicle, and defensive driving training.
When getting a coverage quote, ask every company which credits you are entitled to. Discounts may not be available in your area. To view insurance companies that have a full spectrum of discounts in Houston, click this link.
Can’t I compare rate quotes from local Houston insurance agencies?
Some consumers just prefer to get professional advice from a licensed agent. Insurance agents can help you build your policy and help in the event of a claim. The best thing about price shopping on the web is the fact that drivers can get cheap rate quotes but still work with a licensed agent.
Upon completion of this form (opens in new window), the quote information is immediately sent to local insurance agents in Houston who will return price quotes for your business. You won’t need to leave your computer since price quotes are sent straight to your inbox. If for some reason you want to compare rates from a specific car insurance provider, don’t hesitate to search and find their rate quote page and complete a quote there.
Selecting a provider requires more thought than just a cheap price. Any agent in Houston should be willing to answer these questions.
- Is auto insurance their primary focus in Houston?
- How many years of experience in personal auto insurance do they have?
- Does the agent have a valid license to sell insurance in Texas?
- If your car is in the repair shop, do you have coverage for a rental car?
- Does the company have a solid financial rating?
- Does the company allow you to choose your own collision repair facility?
When finding a local Houston insurance agency, there are two types of insurance agents that you can choose from. Car insurance policy providers can be categorized as either exclusive or independent (non-exclusive). Both can sell car insurance policies, but it is important to understand the difference in the companies they write for since it can impact the kind of agent you use.
Exclusive Car Insurance Agencies
These agents can only quote rates from one company and examples are Farmers Insurance and State Farm. Exclusive agencies are unable to compare rates from other companies so they really need to provide good service. Exclusive agencies receive extensive training on sales techniques and that allows them to sell at a higher price point.
Listed below is a list of exclusive insurance agencies in Houston that can give you rate quotes.
Joy Knox State Farm Insurance Agency
1510 Eldridge Pkwy #108 – Houston, TX 77077 – (281) 759-4300 – View Map
Jim Webb – State Farm Insurance Agent
8475 Hwy 6 N Ste B – Houston, TX 77095 – (281) 550-2886 – View Map
Sean Wong – State Farm Insurance Agent
7035 Hwy 6 N – Houston, TX 77095 – (281) 550-0555 – View Map
Independent Agents
Independent agencies do not work for one specific company so they can quote policies through lots of different companies and potentially find a lower price. If premiums increase, they can switch companies in-house without you having to go to a different agency.
When comparing car insurance prices, you definitely need to compare quotes from a few independent agents so that you can do a thorough price comparison.
Shown below are independent insurance agencies in Houston who can help you get rate quotes.
Gem Insurance Agencies
3355 W Alabama St #850 – Houston, TX 77098 – (713) 622-2330 – View Map
Texas Insurance
210 W Greens Rd # B – Houston, TX 77067 – (281) 872-6100 – View Map
ProTECH Insurance Agency, Inc.
#100, 3120 SW Freeway Service Rd – Houston, TX 77098 – (713) 520-1090 – View Map
After getting reasonable responses to all your questions as well as offering an affordable quote, you have narrowed it down to an insurance agency that is a good match to provide car insurance coverage.
Drivers who switch save $445 a year? Really?
Texas drivers can’t get away from ads for cheaper car insurance by Progressive, Allstate and GEICO. All the companies advertise the message that drivers can save some big amount if you switch your car insurance policy to them.
That’s great but how can every company offer drivers better rates?
Companies have specific criteria for a prospective insured that will add to their bottom line. For example, a desirable risk might be between 30 and 50, has never had a claim, and drives a lower-performance vehicle. Anybody that fits those parameters will get very good Houston auto insurance rates as well as save a lot of money.
Drivers who are not a match for this ideal profile may receive higher rates with the end result being the customer not buying. If you pay attention, the ads say “people who switch” but not “all drivers who get quotes” save that much money. That’s why companies can truthfully claim big savings. This really drives home the point why you really should get as many free Houston car insurance quotes as possible. It is impossible to guess which car insurance company will have the best Cadillac CTS insurance in Houston.
In Summary
Some auto insurance companies may not offer online rate quotes and these small, regional companies sell through independent insurance agents. Affordable Cadillac CTS insurance in Houston is possible both online as well as from insurance agents, and you should compare price quotes from both to have the best selection.
As you restructure your insurance plan, do not buy less coverage just to save a little money. Too many times, someone sacrificed collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The goal is to buy a smart amount of coverage at an affordable rate.
More tips and info about auto insurance can be found at these sites:
- Cellphones, Texting and Driving (iihs.org)
- How Much are Houston Car Insurance Rates for Lyft Drivers? (FAQ)
- What Insurance is Cheapest for 19 Year Olds in Houston? (FAQ)
- What Car Insurance is Cheapest for State Employees in Houston? (FAQ)
- Who Has Affordable Car Insurance Quotes for First-time Drivers in Houston? (FAQ)
- Auto Insurance 101 (About.com)
- Understanding your Policy (NAIC.org)