Affordable Cadillac CTS Insurance in San Antonio

Insurance quote for Cadillac CTS in San AntonioHow long have you put off shopping around for more affordable Cadillac CTS insurance in San Antonio? High-priced insurance in San Antonio can bleed your checking account and force you to prioritize other expenses.

Everyone knows that auto insurance companies want to keep you from comparing prices. Drivers who shop around for a cheaper policy will probably buy a new policy because they have a good chance of finding a lower-priced policy. A recent survey discovered that consumers who regularly shopped around saved $865 annually as compared to drivers who didn’t regularly shop around.

If saving the most money on Cadillac CTS insurance in San Antonio is your intention, then having a grasp of how to quote prices and compare insurance can help you succeed in finding affordable rates. Many insurance companies vie for your business, and it can be difficult to compare rates to discover the definitive best rate on Cadillac CTS insurance in San Antonio.

If you have a current insurance policy or need a new policy, use these money-saving tips to lower your rates without sacrificing coverage. Choosing the most cost-effective insurance policy in San Antonio is not that difficult as long as you know where to start. You just need to understand the best way to quote multiple rates from many different companies.

Most companies like 21st Century, Allstate and State Farm provide price estimates on their websites. Doing online price comparisons for Cadillac CTS insurance in San Antonio is easy for anyone because you just enter the coverages you want as requested by the quote form. Once entered, their quoting system automatically orders your credit score and driving record and generates a price. Getting online rate quotes for Cadillac CTS insurance in San Antonio makes it simple to compare prices and it’s very important to have as many quotes as possible in order to find cheaper rates.

In order to compare rates now, compare rates from the companies below. If you have coverage now, it’s recommended you duplicate the coverages exactly as shown on your declarations page. Doing this guarantees you will have rate quotes using the exact same coverages.

The companies shown below are ready to provide free quotes in Texas. If multiple companies are shown, it’s highly recommended you compare several of them in order to get a fair rate comparison.

Verify you’re getting every discount

Car insurance companies don’t necessarily list all discounts in a way that’s easy to find, so we break down some of the best known and the harder-to-find discounts that you may qualify for.Car insurance discounts

Policy discounts save money, but most discount credits are not given to the entire policy premium. Most cut the cost of specific coverages such as liability, collision or medical payments. Despite the appearance that you could get a free car insurance policy, you aren’t that lucky. Any amount of discount will bring down your policy premiums.

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

To see companies with the best Cadillac CTS insurance discounts in San Antonio in Texas, click here.

Car insurance statistics for a Cadillac CTS

The data table below showcases different prices for Cadillac CTS models. Being aware of how policy rates are established can help customers make decisions on which coverage to buy.

Cadillac CTS Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CTS AWD $176 $360 $400 $24 $120 $1,080 $90
CTS $176 $360 $400 $24 $120 $1,080 $90
CTS Luxury AWD $176 $414 $400 $24 $120 $1,134 $95
CTS Performance AWD $176 $414 $400 $24 $120 $1,134 $95
CTS Luxury $176 $414 $400 $24 $120 $1,134 $95
CTS Performance $176 $414 $400 $24 $120 $1,134 $95
CTS Sport $176 $414 $400 $24 $120 $1,134 $95
CTS Premium $196 $414 $400 $24 $120 $1,154 $96
CTS Premium AWD $196 $414 $400 $24 $120 $1,154 $96
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Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Price information does not factor in the specific area where the vehicle is garaged which can increase or decrease prices significantly.

Physical damage deductible comparison

One common question asked by San Antonio drivers is how high should your deductibles be. The tables below show the premium difference between low and high deductibles. The first rate table uses a $100 physical damage coverage deductible and the second pricing table uses a $1,000 deductible.

Cadillac CTS insurance premium rates 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 premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CTS AWD $206 $368 $382 $22 $114 $1,092 $91
CTS $206 $368 $382 $22 $114 $1,092 $91
CTS Luxury AWD $206 $424 $382 $22 $114 $1,148 $96
CTS Performance AWD $206 $424 $382 $22 $114 $1,148 $96
CTS Luxury $206 $424 $382 $22 $114 $1,148 $96
CTS Performance $206 $424 $382 $22 $114 $1,148 $96
CTS Sport $206 $424 $382 $22 $114 $1,148 $96
CTS Premium $228 $424 $382 $22 $114 $1,170 $98
CTS Premium AWD $228 $424 $382 $22 $114 $1,170 $98
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Price estimates do not factor in specific San Antonio garaging location which can revise auto insurance rates significantly.

Based on this data, we can arrive at the conclusion that using a $100 deductible could cost the average driver approximately $47 more each month or $564 a year than choosing the higher $1,000 deductible. Because you would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you have at a minimum 19 months between claims, you would save money by selecting a higher deductible.

How to calculate deductible break even period

Average monthly premium for $100 deductibles: $142
Average monthly premium for $1,000 deductibles (subtract): – $95
Monthly savings from raising deductible: $47
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $47
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

An important thing to remember is that increasing deductibles to save money means you will have to pay more out-of-pocket when you have to file a claim. That will force you to have enough extra money in the event you need to pay the deductible to have repairs made.

The information below demonstrates how choosing different deductibles and can influence Cadillac CTS insurance costs for different age groups. The data is based on a single male driver, full coverage, and no policy discounts are applied.

Rate comparison of males versus females

The diagram below illustrates the difference between Cadillac CTS car insurance costs for male and female drivers. The data assumes a clean driving record, no at-fault accidents, comp and collision included, $500 deductibles, drivers are not married, and no other discounts are factored in.

Full coverage or liability only

The example below illustrates the difference between Cadillac CTS auto insurance rates with full physical damage coverage compared to only buying liability only. The price estimates are based on no violations or accidents, $500 deductibles, single marital status, and no additional discounts are factored in.

When to drop comprehensive and collision coverage

There is no written rule to stop buying full coverage on your policy, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than 10% of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s assume your Cadillac CTS claim settlement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled, you would only receive $6,000 after paying your policy deductible. If it’s costing in excess of $600 annually for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.

There are some circumstances where only buying liability is not a good plan. If you still have a loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should keep full coverage.

Shop online but buy locally

Certain consumers just prefer to get professional advice from a licensed agent and we recommend doing that Good insurance agents can point out coverage gaps and help you file claims. One of the great benefits of getting free rate quotes online is the fact that drivers can get cheaper rates and still have an agent to talk to.

Once you complete this short form, your insurance data is immediately sent to local insurance agents who will give you quotes for your insurance coverage. It’s much easier because you don’t need to search for an agent because prices are sent straight to your inbox. If for some reason you want to compare prices from a specific insurance company, you would need to search and find their rate quote page and give them your coverage information.

Selecting an provider should include more criteria than just a cheap quote. Below are some questions you should ask.

Independent or Exclusive: It’s your choice

When searching for a reputable agency, it’s helpful to know the types of insurance agents to choose from. Car insurance policy providers are classified as either independent or exclusive depending on the company they work for. Both types can handle car insurance, but we need to point out the differences because it can impact which type of agent you select.

Exclusive Insurance Agencies

Agents that choose to be exclusive can only quote rates from one company and examples are American Family, State Farm, and AAA. They are unable to provide other company’s prices so they are skilled at selling on more than just price. Exclusive agents are well schooled on sales techniques which helps overcome the inability to quote other rates.

Listed below are exclusive agents in San Antonio willing to provide comparison quotes.

4951 De Zavala RdSan Antonio, TX 78249(210) 694-0866View Map

2606 TPC Pkwy #107San Antonio, TX 78259(210) 829-1778View Map

1248 Austin Hwy Ste. 202San Antonio, TX 78209(210) 822-2121View Map

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Independent Car Insurance Agents

Agents that elect to be independent are not employed by one company so they can write business through lots of different companies and find you the best rates. If premiums increase, your policy is moved internally which makes it simple for you. If you need lower rates, it’s a good idea to compare quotes from at a minimum one independent agency in order to have the best price comparison.

The following are independent agencies in San Antonio that can give you price quote information.

A and A Insurance Agency
1317 Castroville RdSan Antonio, TX 78237(210) 434-2311View Map

800 Isom Rd # 100San Antonio, TX 78216(210) 366-5094View Map

15335 San Pedro AveSan Antonio, TX 78232(210) 979-9000View Map

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There’s no such thing as the perfect auto insurance policy

Keep in mind that when it comes to choosing proper insurance coverage, there really is no “best” method to buy coverage. Your financial needs are unique and your auto insurance should be unique as well.Auto insurance savings
For example, these questions could help you determine whether or not you might need an agent’s assistance.

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

Get Cadillac CTS Insurance Cheaper

The best way to find cheaper insurance is to take a look at the different types of things that are used to determine your premiums. When you understand what positively or negatively impacts your premiums, this allows you to make good choices that may result in big savings.

Auto insurance does more than just protect your car

Even though it can be expensive, auto insurance serves a purpose in several ways.

The benefits of carrying adequate insurance are definitely more than the cost, particularly for liability claims. Unknowingly, the average driver overpays as much as $825 a year so compare quotes from several companies at every policy renewal to ensure rates are inline.

A conclusion for your insurance search

When you buy San Antonio car insurance online, you should never sacrifice coverage to reduce premiums. There are too many instances where someone dropped uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. Your objective should be to buy the best coverage you can find at the best price and still be able to protect your assets.

We just presented a lot of tips how to shop for Cadillac CTS insurance online. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the lowest rates are with an unexpected company. Regional companies can often provide lower car insurance rates in certain areas than the large multi-state companies such as Allstate or State Farm.

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