Best Cadillac CTS Insurance in Plano

Searching for cheaper Cadillac CTS insurance in Plano? No car owner likes buying auto insurance, particularly when they could lower their rates if they shopped around.

Discount Cadillac CTS insuranceIt’s astonishing, but over 70% of drivers kept their policy with the same company for more than four years, and approximately 40% of consumers have never shopped around. Consumers in Plano could save an average of $1,800 each year by just shopping around, but they just assume it’s a time-consuming process to find affordable rates by getting comparison quotes.

How to find cheaper Cadillac CTS insurance in Plano

Really, the only way to find discount auto insurance rates is to start doing a yearly price comparison from different companies in Plano. Rate comparisons can be done by following these steps.

  1. Get a basic knowledge of how insurance works and the factors you can control to keep rates low. Many risk factors that are responsible for high rates like accidents, traffic violations, and poor credit can be controlled by paying attention to minor details.
  2. Compare prices from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like Progressive or Farmers Insurance, while independent agencies can quote rates from multiple sources.
  3. Compare the new rate quotes to your existing coverage to see if you can save by switching companies. If you find a better price and make a switch, make sure coverage is continuous and does not lapse.
  4. Tell your current agent or company to cancel your current car insurance policy and submit the signed application along with the required initial payment to the newly selected company. Immediately upon receiving it, safely store the proof of insurance paperwork somewhere easily accessible.

One bit of advice is to compare similar deductibles and liability limits on every quote and and to get price quotes from as many carriers as you can. Doing this helps ensure an apples-to-apples comparison and plenty of rates choose from.

Insurance companies such as Progressive, GEICO and Farmers Insurance all claim big savings with ads and consumers find it hard to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

The quickest method to get rate comparisons for Cadillac CTS insurance in Plano utilizes the fact most of the bigger providers have advanced systems to compare rate quotes. The only thing you need to do is provide the companies a bit of rating information like what your job is, types of safety features, whether you are married, and the make and model of your vehicles. Those rating factors is instantly sent to multiple different insurance companies and they return rate quotes instantly to find the best rate.

If you would like to start a quote now, click here and enter your coverage details.

The companies shown below offer quotes in Texas. If you wish to find cheap car insurance in Texas, we recommend you visit several of them to get a more complete price comparison.

Detailed insurance information

The table displayed next covers estimates of coverage prices for Cadillac CTS models. Understanding how insurance prices are established can be valuable when making smart buying decisions.

Cadillac CTS Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CTS AWD $286 $602 $430 $26 $128 $1,472 $123
CTS $286 $602 $430 $26 $128 $1,472 $123
CTS Luxury AWD $286 $694 $430 $26 $128 $1,564 $130
CTS Performance AWD $286 $694 $430 $26 $128 $1,564 $130
CTS Luxury $286 $694 $430 $26 $128 $1,564 $130
CTS Performance $286 $694 $430 $26 $128 $1,564 $130
CTS Sport $286 $694 $430 $26 $128 $1,564 $130
CTS Premium $318 $694 $430 $26 $128 $1,596 $133
CTS Premium AWD $318 $694 $430 $26 $128 $1,596 $133
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Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Price estimates do not factor in the specific area where the vehicle is garaged which can modify premium rates greatly.

Raise deductibles and save

One of the hardest decisions when shopping for insurance is where to set your physical damage deductibles. The following insurance rates can help you visualize the price difference when you buy lower versus higher physical damage coverage deductibles. The first rate estimation uses a $250 comprehensive and collision deductible and the second set of rates uses a $1,000 deductible.

Cadillac CTS insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CTS AWD $332 $584 $382 $22 $114 $1,459 $122
CTS $332 $584 $382 $22 $114 $1,459 $122
CTS Luxury AWD $332 $672 $382 $22 $114 $1,547 $129
CTS Performance AWD $332 $672 $382 $22 $114 $1,547 $129
CTS Luxury $332 $672 $382 $22 $114 $1,547 $129
CTS Performance $332 $672 $382 $22 $114 $1,547 $129
CTS Sport $332 $672 $382 $22 $114 $1,547 $129
CTS Premium $370 $672 $382 $22 $114 $1,585 $132
CTS Premium AWD $370 $672 $382 $22 $114 $1,585 $132
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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

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Price information does not factor in specific Plano garaging location which can lower or raise premiums significantly.

We can derive from the above data that using a $250 deductible costs about $33 more each month or $396 each year than quoting the higher $1,000 deductible. Since you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you go at least 23 months between claim filings, you would save more money if you choose a higher deductible. The table below shows the way you can do this calculation yourself.

Average monthly premium for $250 deductibles: $128
Average monthly premium for $1,000 deductibles (subtract): – $95
Monthly savings from raising deductible: $33
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $33
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

An important sidenote is that increasing deductibles to save money means you pay more out-of-pocket when you have a claim. You will want to have access to more funds in the event you need to pay the deductible for vehicle repair.

Annual premiums for males compared to females in Plano

The diagram below shows the difference between Cadillac CTS auto insurance costs for male and female drivers. The premiums are based on no violations or accidents, full physical damage coverage, $500 deductibles, marital status is single, and no discounts are applied.

Cadillac CTS full coverage rates compared to liability only

The chart below shows the comparison of Cadillac CTS annual premium costs with and without full coverage. The costs are based on no accidents or driving violations, $100 deductibles, marital status is single, and no discounts are taken into consideration.

When to stop buying comprehensive and collision coverage

There isn’t a written rule to stop buying comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

For example, let’s say your Cadillac CTS replacement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $4,000 after paying the physical damage deductible. If you are paying more than $400 annually for physical damage coverage, then you may need to consider dropping full coverage.

There are a few cases where dropping physical damage coverage is not a good idea. If you haven’t paid off your loan, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if you can’t afford to buy a different vehicle in case of an accident, you should maintain full coverage.

Different people need different car insurance coverages

Always keep in mind that when comparing adequate coverage, there really isn’t a cookie cutter policy. Everyone’s situation is a little different.Safe vehicles cost less to insure

These are some specific questions could help you determine if your insurance needs would benefit from an agent’s advice.

If you’re not sure about those questions, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form.

Compare rate quotes but work with a local Plano insurance agent

A small number of people still like to go talk to an agent and that is not a bad decision The best thing about getting free rate quotes online is you may find better rates but still work with a licensed agent.

Find insurance agent in PlanoBy using this form (opens in new window), the quote information is immediately sent to local insurance agents in Plano who can give free rate quotes for your insurance coverage. It makes it easy because there is no need to leave your computer as quotes are delivered immediately to you. Get lower rates and a licensed agent to talk to. If for some reason you want to get a comparison quote from a particular provider, just navigate to their website and fill out the quote form the provide.

Deciding on an provider needs to be determined by more than just a cheap price quote. Below are some questions you should ask.

The difference between Plano car insurance agents

If you prefer to buy car insurance from a reliable insurance agent, it helps to know the two different agency structures and how they are slightly different. Agents in Plano are categorized either exclusive or independent.

Exclusive Agents

Agents of this type can only write with one company and some examples include Farmers Insurance and State Farm. Exclusive agents cannot shop your coverage around so it’s a take it or leave it situation. They are highly trained on the products they sell which helps offset the inability to provide other markets.

Below are Plano exclusive insurance agents who can help you get price quote information.

5501 Independence Pkwy Ste 311Plano, TX 75023(972) 519-0936View Map

6205 Chapel Hill Blvd STE 500Plano, TX 75093(972) 378-0824View Map

5016 Tennyson PkwyPlano, TX 75024(972) 781-0808View Map

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Independent Agents (or Brokers)

Independent agencies do not sell for just one brand so they can quote policies with an assortment of companies depending on which coverage is best. If your premiums go up, the business is moved internally and you can keep the same agent. If you are comparing rate quotes, you should always check rates from a couple of independent agencies in order to compare the most rates.

The following are Plano independent agencies that are able to give rate quotes.

6305 Preston Rd Suite 1000Plano, TX 75024(972) 473-4813View Map

5048 Tennyson Pkwy #250Plano, TX 75024(972) 801-9188View Map

3275 Independence PkwyPlano, TX 75075(972) 519-5435View Map

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If you feel you receive good responses to any questions you may have in addition to an acceptable price estimate, it’s a good possibility that you have found an insurance agent that is professional and can properly service your car insurance policy. Keep in mind consumers can cancel your policy whenever you want so never feel that you are permanently stuck with a policy for the full term.