Car Insurance Rates for a Cadillac CTS in Seattle

Insurance for Cadillac CTSHow long has it been since you compared quotes for more competitive Cadillac CTS insurance in Seattle? There isn’t anyone who likes having to buy auto insurance, especially when they are aware that the prices are way too high.

Shockingly, the vast majority of auto insurance customers kept their coverage with the same auto insurance company for a minimum of four years, and just short of a majority have never even compared quotes to find affordable rates. Many consumers in Washington could cut their rates by 40% a year by just comparing quotes, but they don’t want to take the time to find affordable rates by getting comparison quotes.

Lots of insurers contend to insure your vehicles, so it can be very hard to choose a company and get the definite cheapest price on Cadillac CTS insurance in Seattle.

Consumers should take time to price shop coverage quite often because auto insurance prices are variable and change quite frequently. Just because you had the lowest quotes on Cadillac CTS insurance in Seattle a few years ago there is a good chance you can find better rates now. Ignore everything you know about auto insurance because you’re going to learn the proper way to save money, get proper coverage and the best rates.

To find more affordable quotes, there are a couple of ways to compare rate quotes from companies that offer car insurance in Washington. By far the easiest way to find affordable insurance rates is to jump online and get quotes.

Getting free quotes online is quite simple, and it replaces the need to drive to all the different Seattle insurance agencies. Comparing Cadillac CTS insurance rate quotes online reduces the need to sit down with an agent unless you require the professional assistance that only an agent can give. It is possible with some companies obtain prices from the web and still use a local agent. When quoting car insurance, remember that making a lot of price comparisons helps increase your odds of locating the best price. Not every company provides Seattle CTS insurance quotes over the internet, so it’s recommended that you also compare price quotes from the smaller companies as well.

The providers in the list below offer quotes in Seattle, WA. If multiple companies are listed, we recommend you visit several of them in order to get a fair rate comparison.

Cadillac CTS Insurance Rate Estimates in Seattle, WA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CTS AWD $144 $262 $304 $18 $90 $818 $68
CTS $222 $466 $334 $20 $100 $1,142 $95
CTS Luxury AWD $258 $520 $294 $18 $88 $1,178 $98
CTS Performance AWD $220 $516 $278 $16 $82 $1,112 $93
CTS Luxury $318 $764 $398 $24 $120 $1,624 $135
CTS Performance $124 $278 $282 $16 $84 $784 $65
CTS Sport $136 $338 $334 $20 $100 $928 $77
CTS Premium $162 $302 $304 $18 $90 $876 $73
CTS Premium AWD $318 $640 $398 $24 $120 $1,500 $125
Get Your Own Custom Quote Go

Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Rate quotes do not factor in Seattle location which can affect prices greatly.

Cadillac CTS full coverage rates compared to liability only

The diagram below examines Cadillac CTS premium costs with and without physical damage coverage. The information is based on no driving violations, no at-fault accidents, $500 deductibles, single female driver, and no discounts are factored in.

When to switch to liability coverage only

There is no definitive formula of when to exclude full coverage, but there is a general convention. If the annual cost of your full coverage insurance is 10% or more of replacement cost minus your deductible, then you may want to consider only buying liability coverage.

For example, let’s assume your Cadillac CTS claim settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company will settle for is $4,000 after the policy deductible has been paid. If premiums are more than $400 a year for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.

There are some conditions where only buying liability is not a good idea. If you still have a loan on your vehicle, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should not eliminate full coverage.

Should you raise deductibles?

One frequently asked question is where should you set your physical damage deductibles. The comparisons below can help you visualize the differences in premium rates when you buy lower versus higher deductibles. The first set of rates uses a $250 physical damage coverage deductible and the second rate chart uses a $500 deductible.

Cadillac CTS insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CTS AWD $258 $452 $294 $18 $88 $1,135 $95
CTS $258 $452 $294 $18 $88 $1,135 $95
CTS Luxury AWD $258 $520 $294 $18 $88 $1,203 $100
CTS Performance AWD $258 $520 $294 $18 $88 $1,203 $100
CTS Luxury $258 $520 $294 $18 $88 $1,203 $100
CTS Performance $258 $520 $294 $18 $88 $1,203 $100
CTS Sport $258 $520 $294 $18 $88 $1,203 $100
CTS Premium $286 $520 $294 $18 $88 $1,231 $103
CTS Premium AWD $286 $520 $294 $18 $88 $1,231 $103
Get Your Own Custom Quote Go

Cadillac CTS insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CTS AWD $208 $364 $294 $18 $88 $972 $81
CTS $208 $364 $294 $18 $88 $972 $81
CTS Luxury AWD $208 $420 $294 $18 $88 $1,028 $86
CTS Performance AWD $208 $420 $294 $18 $88 $1,028 $86
CTS Luxury $208 $420 $294 $18 $88 $1,028 $86
CTS Performance $208 $420 $294 $18 $88 $1,028 $86
CTS Sport $208 $420 $294 $18 $88 $1,028 $86
CTS Premium $232 $420 $294 $18 $88 $1,052 $88
CTS Premium AWD $232 $420 $294 $18 $88 $1,052 $88
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Rate quotes do not factor in the specific area where the vehicle is garaged which can lower or raise premiums considerably.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost in the ballpark of $15 more each month or $180 a year than quoting the higher $500 deductible. Since you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you average at a minimum 17 months between claim filings, you would most likely save money by selecting a higher deductible.

Calculation for raising deductibles

Average monthly premium for $250 deductibles: $100
Average monthly premium for $500 deductibles (subtract): – $85
Monthly savings from raising deductible: $15
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $15
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

One important caveat is that higher deductibles results in more money out-of-pocket when you have a claim. It will be required that you have some savings in the event you have to pay the higher deductible.

Car insurance premiums based on gender

The chart below visualizes the comparison of Cadillac CTS yearly insurance costs for male and female drivers. Data assumes no violations or accidents, full coverage, $250 deductibles, drivers are not married, and no discounts are applied.

Discounts for cheaper car insurance quotes

The price of auto insurance can be rather high, but you may qualify for discounts that you may not know about. Some of these discounts will be visible when you purchase, but a few must be manually applied before you get the savings.Discount car insurance

Keep in mind that many deductions do not apply to the entire cost. Most cut specific coverage prices like comprehensive or collision. If you do the math and it seems like you could get a free car insurance policy, it doesn’t quite work that way.

Large car insurance companies and a summarized list of policyholder discounts are:

Before buying, ask every company the best way to save money. Some of the discounts discussed earlier may not apply to policyholders in Seattle. To see a list of insurance companies with the best discounts in Washington, follow this link.

What Impacts Cadillac CTS Insurance Rates?

Many things are part of the equation when you get your auto insurance bill. Some are pretty understandable such as your driving history, although some other factors are not as apparent like your continuous coverage and annual miles driven.

Listed below are just a few of the factors used by companies to determine your prices.

When should I have guidance from an agent?

A small number of people still like to visit with an insurance agent and that is a smart decision One of the benefits of comparing car insurance online is the fact that drivers can get lower rates but also keep your business local.

To help locate an agent, after submitting this simple form, your insurance coverage information is sent to insurance agents in Seattle that can give you free Seattle auto insurance quotes for your business. You never need to even leave your home because prices are sent to the email address you provide. You’ll get the best rates AND an agent nearby. In the event you want to get a comparison quote from a specific company, you just need to find their quoting web page and fill out their quote form.

Finding the right insurer requires you to look at more than just the quoted price. The answers to these questions are important, too.

The different types of auto insurance agents

If you want to use a local agent, you must know there are a couple different agency structures and how they function. Car insurance agencies can be categorized as either independent agents or exclusive agents depending on their employer.

Exclusive Agents

Agents in the exclusive channel can only write with one company such as AAA, State Farm, Farmers Insurance, and Allstate. They generally cannot provide other company’s prices so they are skilled at selling on more than just price. Exclusive agents are usually quite knowledgeable on sales techniques and that enables them to sell even at higher rates.

Listed below is a short list of exclusive agencies in Seattle willing to provide price quote information.

George Fu – State Farm Insurance Agent
9026 Roosevelt Way NESeattle, WA 98115(206) 524-0330View Map

4453 California Ave SWSeattle, WA 98116(206) 932-2191View Map

7 Denny WaySeattle, WA 98109(206) 956-0580View Map

View more Seattle agents

Independent Car Insurance Agents

Independent agents can sell policies from many different companies so they have the ability to put coverage with an assortment of companies and get you the best rates possible. If they find a cheaper price, they simply move your policy to a different company and that require little work on your part. When comparing rate quotes, you will definitely want to get insurance quotes from several independent agencies in order to compare the most rates.

Below are independent insurance agents in Seattle willing to provide comparison quotes.

5191 S Spencer StSeattle, WA 98118(206) 965-8140View Map

2414 SW Andover StSeattle, WA 98106(206) 937-4613View Map

6055 California Ave SWSeattle, WA 98136(206) 932-2500View Map

View more Seattle agents

How much auto insurance do I need?

When buying adequate coverage, there is no best way to insure your cars. Every situation is different.Drive safe and save

These are some specific questions can aid in determining whether you may require specific advice.

If it’s difficult to answer those questions, you might consider talking to a licensed agent. To find an agent in your area, complete this form.

Switch companies and save? Really?

Well-known car insurance companies like State Farm and Allstate constantly bombard you with ads in print and on television. All the companies advertise claims that people will save if you get a free Seattle auto insurance quote and switch your car insurance coverage to their company. How does every company lower your prices? It’s all in how they say it.

All companies have specific characteristics for a prospective insured they prefer to insure. For instance, a preferred risk might be over age 30, has no driving citations, and drives less than 7,500 miles a year. Any driver that meets those criteria receives the best premium rates in Seattle and will most likely save when switching.

Insureds who fall outside the requirements will be charged higher premium rates which leads to the customer not buying. If you listen to the ad wording, they say “people who switch” not “everybody who quotes” can get the lowest rates when switching. That’s the way companies can make claims that they all have the best premium rates. That is why you should compare rate quotes every year. It is just not possible to predict the company that will fit you best based on your risk profile.

The best rates come from being thorough

As you go through the steps to switch your coverage, it’s very important that you do not buy less coverage just to save a little money. Too many times, an accident victim reduced collision coverage only to regret that they should have had better coverage. The ultimate goal is to buy enough coverage at an affordable rate and still be able to protect your assets.

Low-cost Cadillac CTS insurance in Seattle is attainable on the web as well as from independent agents in Seattle, and you should compare price quotes from both to have the best selection. There are still a few companies who do not offer price quotes online and many times these small insurance companies work with independent insurance agents.

We just presented many ways to reduce Cadillac CTS insurance prices online in Seattle. The key concept to understand is the more rate quotes you have, the better likelihood of getting inexpensive Seattle auto insurance quotes. You may even be surprised to find that the biggest savings come from some of the lesser-known companies.

More detailed auto insurance information can be read at these sites: