Cheapest Insurance for a Cadillac CTS in Houston

Discount Cadillac CTS insuranceHow 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.

Cadillac CTS Insurance Price Estimates in Houston, TX
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.

Cadillac CTS insurance prices with $100 deductibles
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
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Cadillac CTS insurance prices with $500 deductibles
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
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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.

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.Insurance discounts

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:

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.

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.

1510 Eldridge Pkwy #108Houston, TX 77077(281) 759-4300View Map

8475 Hwy 6 N Ste BHouston, TX 77095(281) 550-2886View Map

7035 Hwy 6 NHouston, TX 77095(281) 550-0555View Map

More Houston agents

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.

3355 W Alabama St #850Houston, TX 77098(713) 622-2330View Map

Texas Insurance
210 W Greens Rd # BHouston, TX 77067(281) 872-6100View Map

#100, 3120 SW Freeway Service RdHouston, TX 77098(713) 520-1090View Map

More Houston agents

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: