Save Money on Cadillac CTS Insurance in Fort Worth

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It's a fact that auto insurance companies don't want you to compare rates. Insureds who shop around for cheaper rates will probably move their business because there are good odds of finding a lower-cost company. A study discovered that consumers who compared prices regularly saved about $860 a year compared to people who never shopped around for cheaper prices.

If finding budget-friendly rates on Cadillac CTS insurance in Fort Worth is the reason you're reading this, understanding how to find and compare auto insurance can make it easier to shop your coverage around.

Insurance for Cadillac CTSIt takes a few minutes, but the best way to get discount auto insurance rates in Fort Worth is to make a habit of comparing prices annually from insurers in Texas. Rates can be compared by following these guidelines.

  1. Get a basic knowledge of how car insurance works and the factors you can control to drop your rates. Many rating criteria that cause high rates like accidents, traffic violations, and a low credit score can be controlled by improving your driving habits or financial responsibility. This article gives ideas to get lower rates and find missing discounts.
  2. Compare rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can provide rates from a single company like GEICO or Allstate, while independent agents can give you price quotes from multiple insurance companies.
  3. Compare the quotes to your existing policy and determine if cheaper CTS coverage is available in Fort Worth. If you find better rates, make sure there is no lapse between the expiration of your current policy and the new one.
  4. Provide adequate notice to your current company of your intention to cancel the current policy and submit the completed application along with a down payment to your new agent or company. As soon as you receive it, keep your new certificate verifying coverage in an accessible location in your vehicle.

The critical component of shopping around is that you use identical coverage information on each price quote and to quote with every company you can. This helps ensure a fair price comparison and a complete rate analysis.

This information will help educate you on how auto insurance companies operate and how to save the most money. If you currently have a car insurance policy, you should be able to shop for the lowest rates using these techniques. Drivers only have to learn the fastest way to compare rate quotes online.

First Step: Get free Cadillac CTS insurance quotes

Finding a lower price on insurance isn't really that difficult. You just have to invest a few minutes comparing price quotes to find the company with affordable Fort Worth car insurance quotes.

Online shopping is fast and free, and it replaces the need to waste gas driving to insurance agencies in your area. The ability to get quotes online eliminates the middleman unless you want the advice and guidance of a licensed agent. Although you can obtain prices from the web but still have the advice of a local agent.

The companies shown below are ready to provide comparison quotes in Fort Worth, TX. If several companies are displayed, we suggest you visit two to three different companies in order to find the most affordable rates.

Coverage statistics and figures

The rate information displayed below showcases estimates of insurance costs for Cadillac CTS models. Having a better understanding of how rates are figured can be valuable when making decisions on which coverage to buy.

Cadillac CTS Insurance Rates in Fort Worth, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CTS AWD $198 $416 $496 $30 $148 $1,288 $107
CTS $198 $416 $496 $30 $148 $1,288 $107
CTS Luxury AWD $198 $478 $496 $30 $148 $1,350 $113
CTS Performance AWD $198 $478 $496 $30 $148 $1,350 $113
CTS Luxury $198 $478 $496 $30 $148 $1,350 $113
CTS Performance $198 $478 $496 $30 $148 $1,350 $113
CTS Sport $198 $478 $496 $30 $148 $1,350 $113
CTS Premium $220 $478 $496 $30 $148 $1,372 $114
CTS Premium AWD $220 $478 $496 $30 $148 $1,372 $114
Get Your Own Custom Quote Go

Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Estimates do not factor in Fort Worth location which can impact auto insurance rates significantly.

Physical damage deductibles: Should you raise them?

When comparing insurance rates, the most common question is where to set your physical damage deductibles. The comparison tables below highlight the differences in premium rates when you buy lower versus higher deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second price table uses a $500 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 $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
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Premium costs do not factor in specific location which can influence rates considerably.

Based on this data, using a $250 deductible costs about $18 more each month or $216 for a full year than choosing the higher $500 deductible. Since you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to average at least 14 months between claim filings, you would more than likely save some money if you choose the higher deductible.

The illustration below shows how choosing a deductible and can change Cadillac CTS yearly insurance costs for each age group. The premiums are based on a single female driver, full coverage, and no discounts are factored in.

Buying the right vehicle insurance in Texas is an important decision

Even though Fort Worth CTS insurance rates can get expensive, insuring your vehicle is required for several reasons.

  • Just about all states have mandatory insurance requirements which means you are required to carry a minimum amount of liability insurance coverage if you drive a vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If you bought your Cadillac with a loan, almost every bank will force you to have insurance to ensure they get paid if you total the vehicle. If you do not keep the policy in force, the lender may have to buy a policy to insure your Cadillac for a much higher rate and require you to fork over for the much more expensive policy.
  • Insurance protects your Cadillac and your assets. It will also provide coverage for most medical and hospital costs for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if you are sued as the result of your driving. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.

The benefits of insuring your CTS more than cancel out the cost, particularly if you ever have a claim. In a recent study of 1,000 drivers, the average customer overpays more than $825 a year so it's very important to do a rate comparison once a year at a minimum to save money.

What Determines Cadillac CTS Insurance Premiums?

Many different elements are considered when you quote your car insurance policy. Some of the criteria are obvious such as traffic violations, although others are less obvious like your vehicle usage or your financial responsibility. An important part of buying insurance is that you know some of the factors that play a part in calculating your policy premiums. When you understand what controls the rates you pay, this allows you to make good choices that can earn you lower auto insurance prices.

  • Men pay higher rates - Statistics demonstrate women tend to be less risk to insure than men. The data does not necessarily mean that women are BETTER drivers than men. Both genders have accidents in similar numbers, but guys have accidents that have higher claims. Men also tend to get cited for more serious violations like reckless driving and DUI.

    The illustration below illustrates the comparison of Cadillac CTS insurance costs for male and female drivers. The price estimates are based on no tickets, no at-fault accidents, comprehensive and collision coverage, $100 deductibles, single status, and no discounts are applied.

  • Your address can modify costs - Having an address in less populated areas can save you money when it comes to auto insurance. City drivers have more traffic problems and more time behind the wheel. Fewer drivers and short commutes means a lower chance of having an accident and a lower car theft rate.
  • Performance affects rates - The make and model of the car you drive makes a huge difference in determining your rates. Lower cost passenger models normally have pretty low rates, but there are many factors that impact the final cost.

    The following data uses these assumptions: married male driver age 30, full coverage with $500 deductibles, and no discounts or violations. The chart compares Cadillac CTS car insurance rates compared to other models that have a range of performance rating factors.

  • Careless drivers pay higher costs - Having a single driving citation may cause rates to rise by as much as thirty percent. Drivers who don't get tickets pay less for auto insurance compared to bad drivers. Drivers with flagrant violations like hit and run, DWI or reckless driving convictions may be required to submit a SR-22 form with their state DMV in order to prevent their license from being revoked.

    The diagram below shows how violations and fender-benders influence Cadillac CTS auto insurance rates for each age group. The premiums are based on a married female driver, full coverage, $100 deductibles, and no discounts are applied.

  • Where do you drive? - The more you drive your Cadillac in a year the more you will pay for auto insurance. A lot of insurance companies charge rates based upon how the vehicle is primarily used. Cars that do not get driven very much can be on a lower rate level as compared to vehicles used primarily for driving to work. Double check that your declarations sheet correctly shows the proper vehicle usage, because improper ratings can cost you money. Having the wrong rating on your CTS is just wasting money.
  • Occupation impacts rates - Careers such as judges, air traffic controllers, and emergency personnel have the highest average rates because of job stress and extremely grueling work hours. On the flip side, jobs such as farmers, historians and performers receive lower rates.
  • Safety ratings are a factor - Safe vehicles tend to be cheaper to insure. The safest vehicles reduce the chance of injuries and lower injury rates means lower claim amounts and more competitive rates for policyholders. If the Cadillac CTS is rated at a minimum an "acceptable" rating on the Insurance Institute for Highway Safety website it may cost less to insure.
  • Your liability coverage limits - The liability section of your policy will protect you in the event that you are determined to be liable for damages caused by your negligence. It provides you with a defense in court starting from day one. Liability insurance is quite affordable compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Loss statistics for a Cadillac CTS - Insurance companies analyze claim trends for every vehicle when setting rates for each model. Vehicles that statistically have higher frequency or amount of claims will have higher rates.

    The table below outlines the loss history for Cadillac CTS vehicles. For each policy coverage type, the statistical loss for all vehicles, as an average, is set at 100. Values below 100 mean the vehicle has better than average losses, while numbers shown that are more than 100 indicate higher probability of having a loss or an increased chance of a larger loss.

    Cadillac CTS Insurance Claim Statistics
    Vehicle 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 Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Cheaper insurance is a realistic goal

Discount Cadillac CTS insurance in Fort Worth is definitely available both online as well as from independent agents in Fort Worth, so you need to shop Fort Worth car insurance with both in order to have the best chance of saving money. A few companies may not offer online price quotes and most of the time these regional carriers provide coverage only through independent agents.

When searching for cheaper Fort Worth car insurance quotes, never buy poor coverage just to save money. There have been many situations where an insured cut liability coverage limits only to discover later that the small savings ended up costing them much more. The ultimate goal is to purchase a proper amount of coverage at a price you can afford.

Much more information about insurance in Texas can be found below: