Save Money on Cadillac CTS Insurance in Chandler

Smart shoppers know that car insurance companies don’t want you shop around. People who get price quotes annually will presumably switch to a new company because of the high probability of finding good coverage at a lower price. A study showed that consumers who compared prices once a year saved over $3,500 over four years as compared to drivers who never compared rates.

If finding low prices for Cadillac CTS insurance is your objective, knowing how to get rate quotes and compare insurance coverage can save time and money.

Insurance rates Cadillac CTS in ChandlerThe recommended way to get budget Cadillac CTS insurance in Chandler is to regularly compare prices from providers in Arizona. Price quotes can be compared by following these steps.

A key point to remember is to try to use the same amount of coverage on each quote request and to quote with as many different insurance providers as possible. Doing this ensures the most accurate price comparison and many rates to choose from.

Most companies like Progressive, GEICO, Allstate and State Farm give coverage price quotes on their websites. Getting online rates for Cadillac CTS insurance in Chandler is pretty easy as you simply type in the coverages you want on the page. Upon sending the form, their quoting system automatically retrieves information on your driving record and credit history and returns a price based on these and other factors. Getting online price quotes for Cadillac CTS insurance in Chandler streamlines rate comparisons, and it is imperative to have as many quotes as possible if you want to get affordable auto insurance pricing.

In order to find out what other companies charge, visit the companies below or click here to submit a quote request to multiple companies at once. To compare your current rates, we recommend you input coverages and limits exactly as shown on your declarations page. This helps ensure you will receive a price comparison using the exact same coverages.

The companies shown below provide comparison quotes in Chandler, AZ. In order to find cheap auto insurance in Chandler, we recommend you get prices from several of them in order to find the most affordable rates.

Statistics and details

The data table shown next outlines estimates of insurance rates for Cadillac CTS models. Knowing how policy premiums are established can help customers make informed purchases.

Cadillac CTS Insurance Rates in Chandler, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CTS AWD $212 $370 $300 $18 $90 $990 $83
CTS $212 $370 $300 $18 $90 $990 $83
CTS Luxury AWD $212 $428 $300 $18 $90 $1,048 $87
CTS Performance AWD $212 $428 $300 $18 $90 $1,048 $87
CTS Luxury $212 $428 $300 $18 $90 $1,048 $87
CTS Performance $212 $428 $300 $18 $90 $1,048 $87
CTS Sport $212 $428 $300 $18 $90 $1,048 $87
CTS Premium $236 $428 $300 $18 $90 $1,072 $89
CTS Premium AWD $236 $428 $300 $18 $90 $1,072 $89
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Premium costs do not factor in specific location information which can modify auto insurance rates considerably.

Should you raise deductibles?

One common question asked by Chandler drivers is how high should the deductibles for physical damage be. The data tables below may help to illustrate the rate fluctuation between high and low policy deductibles. The first rate table uses a $250 physical damage coverage deductible and the second rate chart uses a $500 deductible.

Cadillac CTS insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CTS AWD $262 $460 $300 $18 $90 $1,155 $96
CTS $262 $460 $300 $18 $90 $1,155 $96
CTS Luxury AWD $262 $530 $300 $18 $90 $1,225 $102
CTS Performance AWD $262 $530 $300 $18 $90 $1,225 $102
CTS Luxury $262 $530 $300 $18 $90 $1,225 $102
CTS Performance $262 $530 $300 $18 $90 $1,225 $102
CTS Sport $262 $530 $300 $18 $90 $1,225 $102
CTS Premium $292 $530 $300 $18 $90 $1,255 $105
CTS Premium AWD $292 $530 $300 $18 $90 $1,255 $105
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 $212 $370 $300 $18 $90 $990 $83
CTS $212 $370 $300 $18 $90 $990 $83
CTS Luxury AWD $212 $428 $300 $18 $90 $1,048 $87
CTS Performance AWD $212 $428 $300 $18 $90 $1,048 $87
CTS Luxury $212 $428 $300 $18 $90 $1,048 $87
CTS Performance $212 $428 $300 $18 $90 $1,048 $87
CTS Sport $212 $428 $300 $18 $90 $1,048 $87
CTS Premium $236 $428 $300 $18 $90 $1,072 $89
CTS Premium AWD $236 $428 $300 $18 $90 $1,072 $89
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Rate information does not factor in vehicle location which can revise coverage rates noticeably.

We can derive from the above data that using a $250 deductible would cost the average driver about $14 more each month or $168 every year than requesting the higher $500 deductible. Because you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you have more than 18 months between claim filings, you would probably come out ahead going with the higher deductible.

Calculate savings of higher deductibles

Average monthly premium for $250 deductibles: $101
Average monthly premium for $500 deductibles (subtract): – $87
Monthly savings from raising deductible: $14
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $14
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

Cadillac CTS liability rates compared to full coverage

The illustration below shows the comparison of Cadillac CTS auto insurance costs with liability coverage only compared to full coverage. The information is based on no violations or claims, $250 deductibles, marital status is single, and no discounts are applied to the premium.

When to stop paying for full coverage

There is no clear-cut formula for excluding comp and collision coverage, but there is a general school of thought. If the yearly cost for physical damage coverage is more than 10% of any settlement you would receive from your insurance company, then it might be time to buy liability only.

For example, let’s say your Cadillac CTS replacement cost is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $7,000 after the policy deductible has been paid. If you are paying over $700 annually for full coverage, then it may be the right time to buy liability only.

There are some scenarios where dropping physical damage coverage is not a good plan. If you still owe money on your vehicle, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not drop full coverage.

Cheap Cadillac CTS insurance in Chandler

Companies offering auto insurance do not list every discount available very clearly, so the list below details some of the best known and also the more inconspicuous credits that you can use to lower your rates.Save money with discounts

It’s important to understand that many deductions do not apply to all coverage premiums. Some only apply to specific coverage prices like liability and collision coverage. So even though they make it sound like it’s possible to get free car insurance, you aren’t that lucky. But all discounts will bring down the cost of your policy.

The illustration below shows the comparison of Cadillac CTS insurance costs with and without some available policy discounts. The premium estimates are based on a female driver, a clean driving record, no at-fault accidents, Arizona state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, claim-free, marriage, homeowner, and multi-policy discounts applied.

The best auto insurance companies and a summarized list of policyholder discounts are detailed below.

When comparing rates, check with all the companies which discounts you qualify for. Savings might not be offered in Chandler. To choose insurance companies that can offer you the previously mentioned discounts in Arizona, click here.

Insurance is not optional in Arizona

Despite the potentially high cost of Cadillac CTS insurance, insurance is most likely required but also gives you several important benefits.

The benefits of carrying enough insurance more than offset the price you pay, especially if you ever need it. But the average American driver overpays more than $820 a year so shop around each time the policy renews to make sure the price is not too high.

Auto insurance can be complex

When quoting and choosing your policy, there really is not a perfect coverage plan. Your needs are unique to you.Safe vehicles cost less to insure

For instance, these questions may help highlight if your insurance needs might need professional guidance.

If you don’t know the answers to these questions, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form.

Car insurance is available from agents near you

Some people just want to go talk to an agent and that can be a great decision A nice benefit of price shopping on the web is that you can obtain cheaper rates but also keep your business local.

After filling out this quick form, your coverage information is sent to participating agents in Chandler that provide free Chandler car insurance quotes for your insurance coverage. There is no reason to drive around since rate quotes are delivered straight to your inbox. You can find lower rates AND an agent nearby. If you have a need to quote rates from a specific company, you just need to jump over to their website and fill out their quote form.

Choosing the best insurance company shouldn’t rely on just the bottom line cost. Here are some questions you should ask.

Listed below are Chandler auto insurance companies that may be willing to give price quote information for Cadillac CTS insurance in Chandler.

5055 W Ray Rd Ste 22Chandler, AZ 85226(480) 883-8798View Map

600 W Ray Rd Ste D4Chandler, AZ 85225(480) 246-8479View Map

Sunvalley Insurance (Agency)
4960 S Gilbert Rd #1Chandler, AZ 85249(480) 626-7218View Map

930 East Riggs Road Ste B7Chandler, AZ 85249(480) 961-3951View Map

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