Auto Insurance Rates for a Cadillac CTS in Irvine

It takes a few minutes, but the best way to get cheaper auto insurance rates is to compare quotes annually from insurance carriers in Irvine. Price quotes can be compared by following these guidelines.

  1. Learn about how companies price auto insurance and the things you can control to keep rates down. Many rating criteria that are responsible for high rates such as traffic tickets, fender benders, and poor credit history can be improved by making minor changes in your lifestyle. Read the full article for tips to help keep prices low and get discounts that may be available to you.
  2. Compare rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give prices from one company like GEICO or State Farm, while independent agencies can provide prices from multiple insurance companies.
  3. Compare the new rate quotes to your existing rates to see if a cheaper rate is available. If you find a lower rate, ensure coverage does not lapse between policies.
  4. Give notification to your agent or company of your intent to cancel the current policy and submit a completed policy application and payment for your new policy. Once the paperwork is finalized, place the new certificate verifying coverage in a readily accessible location in your vehicle.

One bit of advice is to make sure you’re comparing identical deductibles and limits on each price quote and and to get rates from every company you can. This guarantees an apples-to-apples comparison and a thorough selection of prices.

Insurance rates Cadillac CTS in IrvineShocking but true, the majority of drivers have purchased from the same company for over three years, and just under half have never compared rate quotes at all. Most drivers in California could save an average of as much as 35% each year by just shopping around, but they just don’t understand how much money they would save if they replace their high priced policy.

Comparison shopping for affordable protection in Irvine is quite easy. If you have a policy now or just want to reduce your rates, take advantage of these tips to save money while maximizing coverage. Comparison shoppers just have to understand the most efficient way to compare different rates online.

Finding a lower price on Cadillac CTS insurance can be relatively painless. Drivers just need to invest a few minutes comparing rate quotes from some recommended companies.

It’s so fast and easy to compare price quotes online that it replaces the need to waste gas driving to insurance agencies in your area. Quoting and buying Cadillac CTS insurance online makes this unnecessary unless you’re the type of person who wants the advice and guidance that can only be provided by a licensed insurance agent. Although, it is possible price shop online and still use a local agent.

The companies in the list below are our best choices to provide comparison quotes in California. To buy the best auto insurance in CA, we recommend you visit as many as you can in order to get a fair rate comparison.

Affordable rates with discounts

Insurance is not an enjoyable expense, but there may be some discounts that can help lower your rates. A few discounts will automatically apply when you purchase, but some must be requested specifically before you get the savings. If you check and find you aren’t receiving every discount available, you could be paying more than you need to.Save money with discounts

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to the whole policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. So even though you would think you can get free auto insurance, companies don’t profit that way.

The chart below shows the difference between Cadillac CTS car insurance rates with and without some available policy discounts. The rates are based on a male driver, no claims or driving violations, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, homeowner, marriage, safe-driver, and multi-policy discounts applied.

Some companies that may offer policyholders these discounts include:

Double check with each insurance company which discounts you qualify for. Discounts might not apply in Irvine. To see providers offering insurance discounts in Irvine, click this link.

Car insurance statistics and figures

The rate information shown below highlights different insurance costs for Cadillac CTS models. Being aware of how premiums are figured can be useful when making smart choices when buying a car insurance policy.

Cadillac CTS Insurance Rates in Irvine, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CTS AWD $332 $664 $500 $30 $150 $1,676 $140
CTS $332 $664 $500 $30 $150 $1,676 $140
CTS Luxury AWD $332 $764 $500 $30 $150 $1,776 $148
CTS Performance AWD $332 $764 $500 $30 $150 $1,776 $148
CTS Luxury $332 $764 $500 $30 $150 $1,776 $148
CTS Performance $332 $764 $500 $30 $150 $1,776 $148
CTS Sport $332 $764 $500 $30 $150 $1,776 $148
CTS Premium $370 $764 $500 $30 $150 $1,814 $151
CTS Premium AWD $370 $764 $500 $30 $150 $1,814 $151
Get Your Own Custom Quote Go

Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Premium amounts do not factor in specific garaging location which can increase or decrease premium rates substantially.

Rate comparison for different deductibles

A question often asked by Irvine drivers is how low should you set your deductibles. The tables below may aid in understanding the costs and benefits when you buy lower versus higher physical damage coverage deductibles. The first price estimate table uses a $250 deductible for physical damage and the second rate table 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 $386 $678 $442 $26 $132 $1,689 $141
CTS $386 $678 $442 $26 $132 $1,689 $141
CTS Luxury AWD $386 $780 $442 $26 $132 $1,791 $149
CTS Performance AWD $386 $780 $442 $26 $132 $1,791 $149
CTS Luxury $386 $780 $442 $26 $132 $1,791 $149
CTS Performance $386 $780 $442 $26 $132 $1,791 $149
CTS Sport $386 $780 $442 $26 $132 $1,791 $149
CTS Premium $430 $780 $442 $26 $132 $1,835 $153
CTS Premium AWD $430 $780 $442 $26 $132 $1,835 $153
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 $238 $426 $442 $26 $132 $1,264 $105
CTS $238 $426 $442 $26 $132 $1,264 $105
CTS Luxury AWD $238 $490 $442 $26 $132 $1,328 $111
CTS Performance AWD $238 $490 $442 $26 $132 $1,328 $111
CTS Luxury $238 $490 $442 $26 $132 $1,328 $111
CTS Performance $238 $490 $442 $26 $132 $1,328 $111
CTS Sport $238 $490 $442 $26 $132 $1,328 $111
CTS Premium $266 $490 $442 $26 $132 $1,356 $113
CTS Premium AWD $266 $490 $442 $26 $132 $1,356 $113
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Premium costs do not factor in specific garaging location which can affect premium rates considerably.

Using the premium rates above, we can conclude that using a $250 deductible costs roughly $38 more each month or $456 for a full year than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to go at least 20 months between claim filings, you would save more money if you elect the higher deductible. The table below illustrates an example of how you can make your own decision.

Average monthly premium for $250 deductibles: $148
Average monthly premium for $1,000 deductibles (subtract): – $110
Monthly savings from raising deductible: $38
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $38
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 20 months

One important issue to know is that increasing deductibles to lower your rates results in more money out-of-pocket when you have a claim. That will require enough extra savings in the event you need to pay more to get your vehicle repaired.

The information below illustrates how choosing a deductible and can affect Cadillac CTS insurance costs for different insured age categories. The rate quotes are based on a single female driver, comprehensive and collision coverage, and no other discounts are factored in.

How You Can Control Cadillac CTS Insurance Premiums

Lots of things are used when premium rates are determined. Some factors are common sense like your driving record, but other criteria are more transparent such as whether you are married or how safe your car is. A large part of saving on insurance is knowing some of the elements that help calculate insurance rates. If you have a feel for what influences your rates, this allows you to make educated decisions that may result in much lower annual insurance costs.

The itemized list below are some of the factors utilized by car insurance companies to help set your prices.

Use but don’t abuse your insurance – If you are the type of insured that files lots of claims don’t be surprised to see much higher rates or policy non-renewal. Car insurance companies in California provide discounts to drivers who only file infrequent claims. Your insurance policy is designed for the large, substantial claims.

Avoid traffic tickets – Only having one citation can increase rates by as much as twenty percent. Good drivers get better prices than people who have multiple driving citations. People who have multiple citations such as DUI or willful reckless driving may find that they have to to maintain a SR-22 with their state in order to legally drive a vehicle.

The example below demonstrates how speeding tickets and at-fault accidents can raise Cadillac CTS car insurance rates for each age group. Data assumes a married male driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.

Gals tend to be lower risk – Over the last 30 years, statistics show that women are safer drivers than men. The data does not necessarily mean that females are better drivers. Men and women have at-fault accidents at a similar rate, but the male of the species have costlier accidents. Not only that, but men also get more serious tickets like DWI (DUI) or reckless driving. Male teenagers are several times more likely to be in an accident and therefore have the most expensive insurance rates.

The example below compares Cadillac CTS insurance prices for male and female drivers. The data assumes no claims or driving violations, comprehensive and collision coverage, $1,000 deductibles, single marital status, and no discounts are applied to the premium.

Safety first – Vehicles that have high safety ratings cost less to insure. Safer cars reduce injuries and lower injury rates means lower claim amounts and cheaper rates on your policy.

Policy add-ons may be wasting money – There are many extra coverages that sound like a good idea at the time but may not be useful. Things like roadside assistance, towing coverage, and extra equipment coverage are probably not needed. They may seem like a good idea when buying your policy, but if you have no use for them remove them from your policy.

Cadillac CTS insurance loss statistics – Insurers take into consideration historical loss data for every vehicle to calculate a rate that offsets possible losses. Vehicles that are shown to have higher frequency or amount of claims will have increased rates.

The table below outlines the compiled insurance loss statistics for Cadillac CTS vehicles. For each policy coverage, the claim amount for all vehicles averaged together is a value of 100. Numbers below 100 indicate a favorable loss history, while values that are above 100 indicate higher probability of having a loss or a tendency for losses to be larger than average.

Insurance Loss Ratings for Cadillac CTS Vehicles
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
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Exclusive versus independent auto insurance agents

A small number of people would rather talk to an insurance agent and that is not a bad decision Agents are highly skilled in risk management and help in the event of a claim. The biggest benefit of getting online price quotes is that you can obtain lower rates and still choose a local agent. Supporting local agencies is important especially in Irvine.

Insurance agency in IrvineBy using this simple form, your coverage information is immediately sent to companies in Irvine who can give free rate quotes for your insurance coverage. It’s much easier because you don’t need to search for an agent since price quotes are sent immediately to you. If for some reason you want to get a price quote from a particular provider, feel free to search and find their rate quote page to submit a rate quote request.

Picking an insurance company requires more thought than just the price. Some important questions to ask are:

Upon receiving positive feedback to any questions you may have and a good coverage price, it’s possible that you found an insurance company that is professional and can properly insure your vehicles. Just understand that it’s your coverage and you can terminate coverage when you choose so never assume that you are permanently stuck with a policy with no way to switch.

Affordable auto insurance is out there

You just read quite a bit of information on how to find cheap Cadillac CTS insurance in Irvine. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding affordable Irvine auto insurance quotes. Consumers may even find the biggest savings come from a lesser-known regional company. These companies may cover specific market segments cheaper than the large multi-state companies such as Progressive and GEICO.

Budget-conscious Cadillac CTS insurance can be found on the web as well as from independent agents in Irvine, and you should compare price quotes from both to have the best selection. Some auto insurance companies do not provide rates over the internet and these small, regional companies only sell coverage through independent insurance agents.

While you’re price shopping online, it’s very important that you do not reduce needed coverages to save money. In many cases, someone sacrificed full coverage only to find out that the few dollars in savings costed them thousands. Your objective should be to buy the best coverage you can find at the best price.

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