Save Money on Cadillac CTS Insurance in Dallas

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Smart shoppers know that insurance companies don't want you comparing rates. Drivers who shop around for a cheaper policy will, in all likelihood, move their business because they have a good chance of finding a cheaper policy. A recent survey discovered that people who faithfully checked for cheaper rates saved an average of $850 each year compared to people who don't make a habit of comparing rates.

If finding discount rates on auto insurance in Dallas is your target objective, then understanding how to choose a company and compare insurance premiums can make the process more efficient.

Insurance quote for Cadillac CTS in DallasIf you want to find the absolute lowest rates, then the best way to get more affordable auto insurance rates in Dallas is to regularly compare price quotes from companies in Texas. Price quotes can be compared by completing these steps.

Step 1: Try to learn about coverages and the things you can change to prevent expensive coverage. Many rating factors that drive up the price like traffic citations and a lousy credit rating can be remedied by improving your driving habits or financial responsibility.

Step 2: Request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from one company like GEICO and State Farm, while agents who are independent can quote rates for a wide range of insurance providers.

Step 3: Compare the new quotes to the premium of your current policy to determine if switching companies saves money. If you can save money and decide to switch, make sure there is no coverage gap between policies.

The most important part of shopping around is that you'll want to make sure you compare the same physical damage deductibles and liability limits on each price quote and and to get prices from all possible companies. This enables an apples-to-apples comparison and the best rate selection.

Getting low cost car insurance pricing can be relatively painless. You just need to take a few minutes to compare rate quotes to discover which company has inexpensive Dallas auto insurance quotes.

It's so easy to compare quotes online that it takes the place of having to actually drive to and from local Dallas insurance agencies. The ability to buy insurance online makes this process obsolete unless you have a complicated situation and need the peace of mind of a local Dallas agent. Drivers can compare online quotes but purchase the actual policy in an agency.

The following companies provide comparison quotes in Dallas, TX. If more than one company is shown, we recommend you click on several of them to get the most competitive price.

Choosing the best Cadillac vehicle insurance in Texas is an important decision

Despite the fact that insurance is not cheap in Dallas, maintaining insurance may be mandatory for several reasons.

  • Most states have mandatory liability insurance requirements which means you are required to buy a specific minimum amount of liability insurance in order to drive the car legally. 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 CTS with a loan, most banks will require you to have comprehensive coverage to guarantee their interest in the vehicle. If the policy lapses, the bank may insure your Cadillac at a significantly higher premium and require you to reimburse them for the much more expensive policy.
  • Insurance protects not only your Cadillac but also your financial assets. Insurance will also pay for most medical and hospital costs for yourself as well as anyone injured by you. Liability insurance, one of your policy coverages, also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.

The benefits of having insurance more than cancel out the cost, particularly if you ever have a claim. According to a survey of 1,000 drivers, the average driver 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.

Coverage information

The coverage information shown below covers detailed analysis of insurance costs for Cadillac CTS models. Learning how prices are calculated can be valuable when making smart choices when comparing insurance quotes.

Cadillac CTS Insurance Rates in Dallas, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CTS AWD $302 $538 $392 $24 $118 $1,374 $115
CTS $302 $538 $392 $24 $118 $1,374 $115
CTS Luxury AWD $302 $620 $392 $24 $118 $1,456 $121
CTS Performance AWD $302 $620 $392 $24 $118 $1,456 $121
CTS Luxury $302 $620 $392 $24 $118 $1,456 $121
CTS Performance $302 $620 $392 $24 $118 $1,456 $121
CTS Sport $302 $620 $392 $24 $118 $1,456 $121
CTS Premium $336 $620 $392 $24 $118 $1,490 $124
CTS Premium AWD $336 $620 $392 $24 $118 $1,490 $124
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Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Price estimates do not factor in your specific Dallas location which can raise or lower rates significantly.

Higher deductibles save money

The hardest decision when buying coverage is how low should you set your deductibles. The rates shown below may help to conceptualize the costs and benefits when you buy lower versus higher physical damage coverage deductibles. The first pricing table uses a $250 physical damage coverage deductible and the second set of rates 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
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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

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Prices do not factor in specific location which can decrease or increase price quotes significantly.

Based on the figures above, using a $250 deductible costs roughly $18 more each month or $216 annually across all Cadillac CTS models than choosing the higher $500 deductible. Since the policyholder would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you normally average more than 14 months between claim filings, you would probably come out ahead if you choose the higher deductible.

The example below illustrates how your choice of deductibles and can impact Cadillac CTS insurance prices for different insured age categories. The rates are based on a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

Men versus women drivers and insurance cost

The chart below shows the comparison of Cadillac CTS annual premium costs for male and female drivers. The price estimates are based on no claims, a clean driving record, comp and collision included, $500 deductibles, marital status is single, and no other discounts are factored in.

Rate difference between full and liability-only coverage

The information below compares Cadillac CTS auto insurance costs when comparing full coverage to state minimum liability only. The prices are based on no driving violations, no at-fault accidents, $250 deductibles, single marital status, and no discounts are applied.

Are you wasting money on full coverage?

There isn't a written rule to eliminate comp and collision coverage, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is about 10% or more of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.

For example, let's assume your Cadillac CTS replacement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $5,000 after the policy deductible has been paid. If you are paying over $500 annually to have full coverage, then you might want to consider buying only liability coverage.

There are some cases where only buying liability is not in your best interest. If you have an outstanding loan on your vehicle, you have to maintain full coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should keep full coverage.

Do you qualify for discounts on Cadillac CTS insurance in Dallas?

Companies that sell car insurance don't list all possible discounts very well, so the following is a list of both the well known and the more hidden credits that you can use to lower your rates. If you check and find you aren't receiving every discount available, you are paying more than you should be.Save money with discounts

  • 55 and Retired - If you're over the age of 55, you may receive a small discount on rates.
  • Active Service Discounts - Being on active deployment in the military may lower your rates slightly.
  • Homeowners Savings - Being a homeowner can get you a discount because it requires a higher level of personal finance.
  • Seat Belts Save - Drivers who always wear seat belts and also require passengers to buckle their seat belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
  • Early Switch Discount - Some insurance companies provide a discount for signing up before your current CTS insurance policy expires. It's a savings of about 10%.
  • Bundle and Save - If you have multiple policies with the same insurance company you may save over 10 percent off each policy depending on the company.

Discounts lower rates, but most credits do not apply to your bottom line cost. Most only cut specific coverage prices like liability and collision coverage. So when it seems like you would end up receiving a 100% discount, you won't be that lucky.

The example below illustrates the difference between Cadillac CTS insurance costs with and without policy discounts. The premiums assume a male driver, no tickets, no at-fault accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, homeowner, multi-policy, multi-car, and marriage discounts applied.

A few popular companies and their possible discounts include:

  • American Family policyholders can earn discounts including Steer into Savings, mySafetyValet, bundled insurance, multi-vehicle, early bird, and air bags.
  • Nationwide offers discounts including business or organization, accident-free, defensive driving, family plan, and anti-theft.
  • MetLife has discounts for good driver, multi-policy, accident-free, claim-free, defensive driver, and good student.
  • 21st Century may include discounts for early bird, defensive driver, homeowners, theft prevention, and automatic seat belts.
  • Farmers Insurance discounts include multi-car, business and professional, youthful driver, good student, electronic funds transfer, and distant student.
  • Allstate has savings for utility vehicle, defensive driver, EZ pay plan discount, premier discount, and good payer.

It's a good idea to ask each company which discounts can lower your rates. Some credits might not apply in Dallas. To view insurers that provide some of the discounts listed above in Dallas, follow this link.

When in doubt talk to an agent

Always remember that when buying adequate coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone's situation is a little different and a cookie cutter policy won't apply.Insurance savings Here are some questions about coverages that can aid in determining if your insurance needs might need professional guidance.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • How much coverage applies to personal belongings?
  • How can I find cheaper teen driver insurance?
  • Should I pay a claim out-of-pocket?
  • Is my dog or cat covered if injured in an accident?
  • Should I bundle my homeowners policy with my auto?
  • Exactly who is provided coverage by my policy?
  • What policy terms are available?

If you're not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It is quick, free and can help protect your family.