Compare Cadillac CTS-V Insurance Rate Quotes in Seattle

Trying to find cheaper insurance rates in Seattle, WA? Seattle drivers have many options when trying to find low-cost Cadillac CTS-V insurance. You can either waste hours driving around trying to get quotes or utilize the internet to get rate quotes. There are both good and bad ways to compare insurance rates and you need to know the absolute fastest way to price shop coverage for a Cadillac and obtain the cheapest rates either online or from Seattle insurance agents.

Cheap companies for Cadillac CTS-V insurance in Washington

The companies in the list below can provide price comparisons in Seattle, WA. If multiple providers are shown, we recommend you compare several of them to find the most affordable auto insurance rates.

Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Price estimates do not factor in the specific area where the vehicle is garaged which can impact coverage prices greatly.

Higher deductibles save money

A question often asked by Seattle drivers is what deductibles to buy. The premium rates below can help you visualize the rate fluctuation when you select higher and lower physical damage deductibles. The first pricing table uses a $250 deductible for comp and collision and the second price table uses a $500 deductible.

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

Using the premium rates above, we can conclude that using a $250 deductible could cost the average driver approximately $18 more each month or $216 a year than choosing the higher $500 deductible. Because you 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 go more than 14 months between claims, you would probably come out ahead if you decide on a higher deductible. Here is how you can do this calculation yourself.

One important caveat is that a higher deductible level means you will have to pay more out-of-pocket when you do file a claim. That will force you to have some extra savings in the event you have to pay the deductible.

Car insurance rates based on gender

The diagram below compares Cadillac CTS-V insurance costs for male and female drivers. The price estimates are based on no claims or violations, comp and collision included, $250 deductibles, drivers are not married, and no discounts are taken into consideration.

Physical damage deductible comparison

The illustration below highlights how deductible selection and can change Cadillac CTS-V insurance prices for different insured age categories. The data assumes a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

Informed Consumers Save More

The best way to find cheaper insurance is to take a look at some of the elements that help calculate your premiums. If you have a feel for what determines base rates, this enables informed choices that could result in better insurance rates.

The items below are some of the items that factor into your rate level.

• Discounts for multiple policies – Most larger insurance companies will award discounts to policyholders who consolidate policies with them in the form of a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. Even if you already get this discount, you may still want to compare Cadillac CTS-V rates in Seattle to help guarantee you have the best rates.
• Married drivers get cheaper premiums – Walking down the aisle actually saves money on your insurance bill. It means you’re more mature and responsible and it’s statistically proven that drivers who are married file infrequent claims.
• Prevent theft and save – Purchasing a vehicle with a theft deterrent system can earn a premium discount. Theft prevention devices such as OnStar, LoJack tracking, and tamper alarms all help prevent vehicle theft.
• Insurance premiums are higher for high performance vehicles – The performance of the vehicle you need to insure makes a substantial difference in your rates. Because the Cadillac CTS-V is classified as a luxury sports car, insuring your vehicle will cost up to twice as much as compared to the average rate in Seattle. Lower performance four cylinder passenger vehicles generally receive the lowest base rates, but the final cost of insurance is determined by many other factors.
• Your employer may affect premiums – Do you have a high-stress occupation? Occupations like military personnel, police officers, and dentists tend to have the highest average rates in part from intense work situations and lengthy work days. On the other hand, occupations like actors, historians and homemakers get better rates.
• Cadillac CTS-V claim probability – Insurers factor in insurance loss information to determine a price that will be profitable for them. Vehicles that historically have higher frequency or amount of claims will cost more for coverage. The next table illustrates the historical loss data for Cadillac CTS-V vehicles.

  For each coverage type, the claim amount for all vehicles as a whole equals 100. Numbers under 100 represent a good loss history, while values that are 100 or greater point to more claims or statistically larger losses.

  Cadillac CTS-V Insurance Loss Statistics

  Vehicle Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Cadillac CTS-V 2dr	174	74	135

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Statistics from IIHS.org for 2013-2015 Model Years

These discounts can lower your auto insurance rates

Insuring your fleet can be pricey, but there could be available discounts that could help you make your next renewal payment. Some discounts will apply when you get a quote, but lesser-known reductions have to be requested specifically prior to getting the savings. If you aren’t receiving every discount you deserve, you could be saving more on your auto insurance.

• Seattle Homeowners Pay Less – Owning a home in Seattle may trigger a policy discount on auto insurance due to the fact that maintaining a home demonstrates responsibility.
• Air Bags and Passive Restraints – Vehicles equipped with air bags or automatic seat belts may qualify for discounts of 20 to 30 percent.
• Data Collection Discounts – People who choose to allow driving data collection to monitor when and where they use their vehicle by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates if they have good driving habits.
• Discounts for Federal Employees – Employees or retirees of the government may reduce rates when you quote Seattle car insurance depending on your company.
• Save with a New Car – Buying a new car model is cheaper due to better safety requirements for new vehicles.
• More Vehicles More Savings – Buying a policy with multiple cars with one company may reduce the rate for each vehicle.
• Senior Citizen Rates – Drivers over the age of 55 may receive a discount up to 10%.
• Good Student Discount – A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
• Professional Organizations – Being in a qualifying organization is a simple method to lower premiums on your next auto insurance statement.

Just know that most of the big mark downs will not be given to your bottom line cost. Most cut specific coverage prices like liability, collision or medical payments. Just because you may think adding up those discounts means a free policy, it’s just not the way it works.

Companies and some of the discounts are:

• Progressive includes discounts for multi-policy, homeowner, continuous coverage, good student, and online signing.
• The Hartford has discounts for vehicle fuel type, anti-theft, driver training, bundle, and air bag.
• Mercury Insurance may have discounts that include multi-car, ease of repair, type of vehicle, location of vehicle, and age of vehicle.
• GEICO offers premium reductions for driver training, military active duty, anti-lock brakes, multi-vehicle, and defensive driver.
• AAA offers discounts including AAA membership discount, pay-in-full, multi-car, good student, good driver, multi-policy, and anti-theft.
• State Farm discounts include multiple policy, accident-free, good student, student away at school, and Drive Safe & Save.

When quoting, ask each company how you can save money. Some credits may not apply to policyholders everywhere. For a list of insurers that can offer you the previously mentioned discounts in Washington, follow this link.

Insurance agents can help

Some people prefer to have an agent’s advice and that is recommended in a lot of cases Good insurance agents can help determine the best coverages and will help you if you have claims. The best thing about getting online price quotes is that drivers can save money and get lower rates and still choose a local agent.

Upon completion of this short form, the quote information is instantly submitted to local insurance agents who will give competitive quotes for your business. It simplifies rate comparisons since you won’t have to leave your house since price quotes are sent to the email address you provide. In the event you want to get a comparison quote from a specific auto insurance provider, you can always search and find their rate quote page and give them your coverage information.

Picking the best insurance company should include more criteria than just the price. The answers to these questions are important, too.

• How much training do they have in personal risk management?
• What is the agency’s Better Business Bureau rating?
• Does the agent have a valid license to sell insurance in Washington?
• Is auto insurance their primary focus in Seattle?
• Does the agent recommend any additional coverage?
• Can you contact them at any time?

Truth in auto insurance advertising

Washington drivers can’t escape the ads that promise big savings by 21st Century, Allstate and State Farm. All the companies state the claim about savings if you just switch to them.

How does every company make almost identical claims? It’s all in the wording.

Many companies offer their best rates for the type of insured that earns them the most money. One example of this type of driver should be over the age of 45, owns a home, and has great credit. A propective insured that matches those criteria will get low premium rates and will probably save when they switch companies.

People who fall outside these stringent criteria will be quoted higher premiums and this can result in the customer not purchasing. The ads state “drivers that switch” not “everyone who quotes” can get the lowest rates when switching. That’s the way companies can lure you into getting a quote. Because of this risk profiling, you should do a quote comparison often. It is just not possible to predict which auto insurance company will give you lower premium rates than your current company.

Which policy gives me the best coverage?

When quoting and choosing insurance from an agent or online for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different so your insurance needs to address that.
For example, these questions may help highlight if your situation might need professional guidance.

• How much liability do I need to cover my assets?
• Does low annual mileage earn a discount?
• Do I need motorclub coverage?
• What is glass protection for?
• Are my company tools covered if they get stolen?
• What does medical payments coverage do?
• Should I buy full coverage?
• Are my friends covered when driving my Cadillac CTS-V?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.

One last thing to lower rates

When searching for the cheapest Cadillac CTS-V rate quotes, do not reduce coverage to reduce premium. Too many times, an accident victim reduced comprehensive coverage or liability limits and discovered at claim time that it was a big error on their part. Your objective should be to get the best coverage possible for the lowest cost and still be able to protect your assets.

Budget-friendly car insurance in Seattle can be found on the web as well as from independent agents in Seattle, and you should compare price quotes from both to get a complete price analysis. Some insurance providers do not provide online rate quotes and usually these regional carriers only sell through independent agents.

For more information, link through to the articles below:

• Side Impact Crash Tests (iihs.org)
• Who Has the Cheapest Seattle Auto Insurance Rates for Drivers with a DUI? (FAQ)
• How Much are Seattle Car Insurance Rates for State Employees? (FAQ)
• Who Has Affordable Seattle Auto Insurance Quotes for Drivers Requiring a SR22? (FAQ)
• Who Has the Cheapest Auto Insurance for a Nissan Rogue in Seattle? (FAQ)
• Who Has the Cheapest Auto Insurance for Infrequent Drivers in Seattle? (FAQ)
• Safety Tips for Teen Drivers (Insurance Information Institute)
• New head restraint design cuts injuries (Insurance Institute for Highway Safety)
• Choosing an Insurance Company (Insurance Information Institute)