Feel like you’re a prisoner to an overpriced car insurance policy? Believe me, there are many people just like you. With so many companies and agents to choose from, it is hard for the average consumer to find the best car insurance company.
Smart consumers take time to compare rates at least once a year since insurance rates change frequently. Just because you found the lowest rates on CTS insurance a couple years back you will most likely find a better rate today. There is a lot of wrong information about car insurance online but by reading this article, you’re going to learn some of the best ways to quit paying high car insurance rates.
Companies offer discounts so take them!
Auto insurance companies don’t always advertise all available discounts very clearly, so here is a list both well-publicized and the harder-to-find car insurance savings. If you’re not getting every credit you qualify for, you are throwing money away.
- Save with a New Car – Putting insurance coverage on a new car is cheaper because new vehicles have to meet stringent safety requirements.
- Defensive Driver – Completing a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
- Multi-car Discount – Having more than one vehicle on one policy qualifies for this discount.
- Sign Early and Save – A few companies offer discounts for signing up before your current policy expires. It can save you around 10%.
- Bundle and Save – If you insure your home and vehicles with the same company you will save 10% to 20% off each policy.
- Clubs and Organizations – Participating in a civic or occupational organization may earn a discount on your policy on CTS insurance.
- Accident Waiver – A few companies will allow you to have one accident before raising your premiums if your claims history is clear for a certain period of time.
It’s important to understand that most credits do not apply to your bottom line cost. Most only reduce individual premiums such as comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, it doesn’t quite work that way.
Texas Car Insurance Comparisons
Getting better Cadillac CTS car insurance pricing is a fairly straight forward process. All you need to do is spend a little time to compare rate quotes provided by online insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.
- The single most time-saving way to get quotes is a comparison rater form click to view form in new window. This form saves time by eliminating repetitive form entry for every car insurance company. One form will get you price quotes from all major companies.
- Another way to get comparison quotes consists of visiting each individual company website to complete a price quote. For instance, we’ll pretend you want to compare rates from State Farm, Allstate and Farmers. To get rate quotes you would need to go to every website to enter your coverage information, which is why the first method is more popular.
For a list of links to companies insuring cars in your area, click here.
- The most time-consuming method to compare rates is to spend your day driving to insurance agents’ offices. Buying insurance online eliminates the need for an insurance agent unless you prefer the professional advice only provided by licensed agents. However, consumers can compare online quotes and still use a local agent and we’ll cover that in a bit.
Whichever method you choose, compare apples-to-apples coverage limits and deductibles with every price quote. If your comparisons have different values for each quote it will be next to impossible to determine the best price for your Cadillac CTS.
Keep this in mind
When buying insurance coverage, you should never reduce needed coverages to save money. There have been many situations where an insured dropped comprehensive coverage or liability limits only to regret that the few dollars in savings costed them thousands. The ultimate goal is to purchase plenty of coverage at an affordable rate, not the least amount of coverage.
Lower-priced Cadillac CTS insurance can be sourced from both online companies and also from your neighborhood Texas agents, so you should compare both in order to have the best price selection to choose from. Some companies may not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.