Houston consumers have options when looking for the best price on Cadillac CTS insurance. They can either waste time calling around to get rate comparisons or leverage the internet to compare rates. There is a right way and a wrong way to compare car insurance rates so you’re going to learn the proper way to compare rates on a Cadillac and get the best price possible.
If you have a current car insurance policy or are just looking to switch companies, you can use these tips to get lower rates while maximizing coverage. This article will tell you how to effectively get price quotes and some tricks to saving. Texas drivers only need to know the most efficient way to get comparison quotes over the internet.
Most companies like Allstate, GEICO and Progressive allow consumers to get insurance quotes on their websites. Comparing prices online is easy for anyone as you simply type in the amount of coverage you want on the page. Once entered, their rating system will obtain your driving record and credit report and provides a quote.
This makes it a lot easier to compare rates but the process of having to visit different websites and type in the same data is a big time waster. But it’s also necessary to do this if you are searching for better car insurance pricing.
The preferred way to find better car insurance pricing utilizes a single form that obtains quotes from several different companies. The form is fast, requires much less work on your part, and makes comparison shopping much easier. As soon as you send your information, it is rated and you can select any of the returned quotes. If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the policy. The whole process takes 15 minutes at the most and can result in significant savings.
In order to fill out one form to compare multiple rates now, click here to open in new window and submit the form. If you currently have coverage, we recommend you duplicate coverages and limits identical to your current policy. This makes sure you are getting rate quotes for exact coverage.
Discounts for lower Texas car insurance rates
Companies don’t always advertise every discount very clearly, so the list below details both well-publicized in addition to some of the lesser obvious credits that you can use to lower your rates.
- Theft Prevention Discount – Cars that have factory anti-theft systems are stolen with less frequency and earn discounts up to 10% off your .
- Professional Organizations – Having an affiliation with a civic or occupational organization in Houston can get you a small discount when shopping for car insurance.
- Buy New and Save – Adding a new car to your policy can get you a discount compared to insuring an older model.
- Passive Restraints – Vehicles equipped with air bags or automatic seat belts can receive discounts as much as 30%.
- Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn better prices if you take out a life insurance policy as well.
- E-sign Discounts
As a footnote on discounts, most credits do not apply to the entire cost. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it appears you can get free auto insurance, car insurance companies aren’t that generous.
A partial list of companies that possibly offer some of the above discounts include:
Before buying, ask every company how many discounts you can get. Savings might not apply in your state. If you would like to see a list of insurance companies with significant discounts in Texas, follow this link.
Are auto insurance agents a thing of the past?
Some consumers just prefer to have an agent’s advice and that can be a smart move Agents can help determine the best coverages and help you file claims. An additional benefit of comparing rate quotes online is that drivers can save money and get cheap car insurance quotes and still have an agent to talk to.
After completing this simple form, your insurance data is instantly submitted to agents in your area that can give you to get your business. It’s much easier because you don’t need to drive around due to the fact that quote results will go to you instantly. In the event you want to compare rates from a specific car insurance provider, you can always visit that company’s website and fill out their quote form.
Finding a good insurer shouldn’t rely on just the quoted price. Ask your prospective agent these questions:
- What is the financial rating for the quoted company?
- Do they offer claims assistance after hours?
- Is the quote a firm price?
- What discounts might you be missing?
- Do they offer rental car reimbursement?
- Can you get a list of referrals?
If you want to use an insurance agent, you should know the different types of agents and how they function. Agents are classified as either independent (non-captive) or captive. Both can do a good job, but we need to point out the subtle differences since it may influence your selection of an agent.
Captive Insurance Agencies
Captive agents can usually just insure with one company like Farmers Insurance, State Farm, Allstate, and AAA. These agents are not able to compare other company’s rates so you need to shop around if the rates are high. Captives are well trained on sales techniques and that can be a competitive advantage. A lot of people choose to use a captive agent partially due to loyalty to the company and the convenience of having all coverages with one company.
Independent Car Insurance Agencies
Independent agencies are not locked into one company so they can quote policies through lots of different companies and get the cheapest rates. If premiums increase, your agent can switch companies and you don’t have to find a new agent. When shopping rates, you will definitely want to include several independent insurance agents to get the most accurate price comparison. Many independent agencies also insure through smaller regional carriers which may provide better rates.
Your situation helps dictate your coverage
When it comes to choosing the right insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s situation is a little different.
These are some specific questions can aid in determining if your situation may require specific advice.
- What companies insure drivers after a DUI or DWI?
- Is rental equipment covered for theft or damage?
- Do I need PIP (personal injury protection) coverage in Texas?
- Does my policy pay for OEM or aftermarket parts?
- What happens if I owe more than my Cadillac CTS is worth?
- What are Texas no-fault laws?
If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and can help protect your family.
Eight factors that determine insurance rates
One of the most helpful ways to save on car insurance is to to have a grasp of some of the elements that aid in calculating the price you pay for car insurance. When you understand what determines premiums, this enables informed choices that can earn you lower premium levels.
- Too many claims will drive rates up – Auto insurance companies in Texas give lower rates to insureds that do not abuse their auto insurance. If you are a frequent claim filer, you can definitely plan on either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
- Single drivers take more risk – Having a significant other helps lower the price on your policy. Marriage may mean you are more stable financially and it’s proven that being married results in fewer claims.
- Defend yourself with liability insurance – The liability section of your policy kicks in if you are ruled to be at fault for causing damage or personal injury in an accident. It provides for a legal defense to attempt to prove you were not liable. It is affordable coverage when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.
- Don’t buy incidental coverages that aren’t used – Insurance policies have a lot of optional add-on coverages that can add up when buying car insurance. Coverages for personal injury protection, accident forgiveness, and motor club memberships may be wasting your money. They may seem like a good idea when you first buy your policy, but if you’ve never needed them in the past remove them and pocket the money.
- Your credit rating is important – Credit history can be a huge factor in calculating your premium rate. So if your credit score could use some work, you could be paying less to insure your Cadillac CTS by spending a little time repairing your credit. Consumers who have excellent credit scores tend to file fewer claims than those with lower credit ratings.
- Cut premiums and deter theft – Driving a car that has an advanced theft prevention system can save you a little every year. Anti-theft features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent car theft and help bring rates down.
- Your address can push rates up or down – Residing in smaller towns and rural areas of the country may provide you with better prices when trying to find low car insurance rates. Urban drivers tend to have more auto accidents and longer commute times. Less people living in that area translates into fewer accident claims as well as less vandalism and auto theft.
- Save money with higher deductibles – Comprehensive and collision coverage deductibles are the amount of money you are required to spend out-of-pocket if the claim is covered. Insurance for physical damage to your car, aka comp and collision, insures against damage to your car. Some examples of claims that would be covered would be colliding with a stationary object, damage caused by hail, and damage caused by road hazards. The more money the insured has to pay upfront, the better rate you will receive on CTS coverage.
Are you falling for claims of savings?
Texas consumers can’t get away from all the ads that promise big savings for switching from companies such as Allstate, GEICO and Progressive. They all seem to state the claim that drivers will save a bundle just by switching your policy.
How does each company give you a lower rate?
Insurance providers give the cheapest rates for the type of insured that earns them the most money. For instance, a preferred risk might have to be over the age of 50, has a clean driving record, and the vehicle is rated for pleasure use. A driver who fits that profile receive the lowest rate quotes and will pay quite a bit less when switching companies.
Potential insureds who may not quite match this ideal profile will have to pay higher premiums and this results in business going elsewhere. The ad wording is “people who switch” not “all people who quote” can save as much as they claim. That’s the way insurance companies can make the claims of big savings. Because of this risk profiling, it is so important to get price quotes at each policy renewal. It’s just too difficult to predict with any certainty which company will have the lowest auto insurance rates for your situation.
Don’t give up on lower rates
Insureds change insurance companies for a number of reasons such as denial of a claim, delays in responding to claim requests, policy non-renewal and even questionable increases in premium. No matter why you want to switch, switching car insurance companies is actually quite simple.
In this article, we covered a lot of information how to reduce Cadillac CTS insurance rates online. The key thing to remember is the more price quotes you have, the better your chances of lowering your auto insurance rates. Consumers could even find that the most savings is with a small local company.
While you’re price shopping online, do not sacrifice coverage to reduce premiums. In many instances, drivers have reduced physical damage coverage only to regret that it was a big error on their part. The proper strategy is to buy enough coverage at the best price, but do not skimp to save money.
Informative consumer insurance sites
More tips and info about car insurance can be found at the Texas Department of Insurance website. Texas drivers can read industry bulletins, file complaints about a company, find out industry alerts, and find out which companies have the most complaints.
The following information may also be useful.