Want to learn a better way to compare cheaper Cadillac CTS insurance in Los Angeles? Finding better insurance prices for a new or used Cadillac CTS in California can normally be a lot of work, but you can follow these tips to save time. There is a right way and a wrong way to compare auto insurance rates and we’ll show you the proper way to get price quotes for a Cadillac and locate the lowest possible price.
The companies in the list below are our best choices to provide quotes in Los Angeles, CA. If more than one company is shown, we recommend you get rate quotes from several of them in order to find the lowest rates.
Insurance coverage details
The coverage information displayed below outlines a range of policy rates for Cadillac CTS models. Having a good grasp of how insurance prices are formulated is important for you to make informed decisions when comparing rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|CTS Luxury AWD||$314||$630||$442||$26||$132||$1,544||$129|
|CTS Performance AWD||$314||$630||$442||$26||$132||$1,544||$129|
|CTS Premium AWD||$348||$630||$442||$26||$132||$1,578||$132|
|Get Your Own Customized Quote Go|
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Table data does not factor in specific zip code location which can impact coverage prices noticeably.
Male drivers compared to female drivers
The chart below shows the comparison of Cadillac CTS premium costs for male and female drivers. The price estimates are based on a clean driving record, no claims, full coverage, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.
Cadillac CTS liability rates compared to full coverage
The illustration below compares Cadillac CTS auto insurance rates with and without full coverage. The rate quotes are based on a clean driving record, no at-fault accidents, $1,000 deductibles, marital status is single, and no additional discounts are factored in.
Guidelines for eliminating full coverage
There is no clear-cut rule for phasing out physical damage insurance, but there is a general guideline. If the annual cost of comprehensive and collision coverage is 10% or more of replacement cost minus your deductible, then you might want to consider buying only liability coverage.
For example, let’s say your Cadillac CTS settlement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would receive is $5,000 after the deductible is paid. If you are paying more than $500 a year for full coverage, the it may be a good time to stop paying for full coverage.
There are a few situations where buying only liability insurance is not a good idea. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage as part of the loan requirements. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not buy liability only.
Why you need quality insurance for your Cadillac vehicle
Despite the high cost of buying insurance for a Cadillac CTS in Los Angeles, insurance is required for several reasons.
First, the majority of states have mandatory liability insurance requirements which means the state requires specific limits of liability protection in order to drive the car. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you have a lien on your CTS, most banks will make it mandatory that you buy insurance to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the lender may have to buy a policy to insure your Cadillac at a much higher premium rate and force you to reimburse them for the much more expensive policy.
Third, insurance protects your Cadillac CTS and your assets. Insurance will pay for all forms of medical expenses for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, will also pay for a defense attorney in the event you are sued. If you have damage to your Cadillac as the result of the weather or an accident, collision and comprehensive coverages will cover the repair costs.
The benefits of carrying adequate insurance definitely exceed the cost, particularly for liability claims. Despite what companies tell you, the average driver is currently overpaying as much as $700 annually so compare quotes from several companies at every renewal to ensure rates are competitive.
Discount Los Angeles car insurance quotes
Companies don’t always advertise every discount available very well, so the list below details both well-publicized as well as some of the hidden discounts that may be available.
- Responsible Driver Discount – Safe drivers can save as much as half off their rates than less cautious drivers.
- Discount for Life Insurance – Some insurance companies give a lower price if you buy life insurance from them.
- Senior Discount – Mature drivers may qualify for a discount up to 10%.
- Low Mileage – Driving fewer miles may allow you to get lower rates due to less chance of an accident.
- Safety Restraint Discount – Drivers who require all occupants to buckle up before driving can save a little on medical payment and PIP coverage.
- Multi-policy Discount – If you insure your home and vehicles with the same insurance company they may give you a discount of as much as 10 to 15 percent.
- Government Employee Discount – Employees or retirees of the government may qualify for a discount when you quote Los Angeles car insurance depending on your company.
One thing to note about discounts is that most credits do not apply to the whole policy. Most only cut specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears all those discounts means the company will pay you, car insurance companies aren’t that generous.
The chart below shows the difference between Cadillac CTS insurance prices with and without discounts applied to the rates. The prices are based on a female driver, no tickets, no at-fault accidents, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, homeowner, marriage, multi-policy, and safe-driver discounts applied.
Companies who might offer these money-saving discounts may include but are not limited to:
If you are trying to find inexpensive Los Angeles car insurance quotes, ask each company to apply every possible discount. All car insurance discounts may not be available in Los Angeles. If you would like to see a list of insurance companies that have a full spectrum of discounts in Los Angeles, click this link.
Don’t assume everyone needs the same auto insurance coverage
When it comes to choosing adequate coverage, there is no one-size-fits-all type of policy. Every insured’s situation is different so your insurance needs to address that.
For example, these questions can help discover if your insurance needs might need professional guidance.
- Who does medical payments coverage extend to?
- Am I covered if hit by an uninsured driver?
- Do I have coverage if my license is suspended?
- What policy terms are available?
- Will my insurance pay for OEM parts?
- Do I have newly-acquired coverage?
- When would I need rental car insurance?
If you’re not sure about those questions then you might want to talk to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It is quick, free and can help protect your family.
Car insurance quotes from local Los Angeles insurance agents
Many people just want to get advice from a local agent and that is just fine! Professional agents will help you protect your assets and help you file claims. One of the benefits of getting online price quotes is that drivers can save money and get the best rates but also keep your business local.
To make it easy to find an agent, after completing this simple form, the quote information is instantly submitted to local insurance agents in Los Angeles who will give you quotes for your coverage. You never need to find an agent as quotes are delivered straight to your inbox. If for some reason you want to quote rates from a particular provider, you just need to navigate to their website and fill out their quote form.
Picking an insurer requires more thought than just a cheap quote. These questions are important to ask:
- What is the agency’s Better Business Bureau rating?
- If they are an independent agency in Los Angeles, which companies do they recommend?
- Is the agent properly licensed in California?
- Does the agency support the community they serve?
- Are aftermarket or OEM parts used to repair vehicles?
- Do they write coverage based solely on cost?
If you need to find a local insurance agency, it can be helpful to understand the different types of agents and how they operate. Car insurance agents can either be independent agents or exclusive agents. Both can do a good job, but it’s worth mentioning how they are different since it can impact your agent selection.
Agents that choose to be exclusive write business for a single company like American Family, State Farm, and AAA. Exclusive agents cannot provide other company’s prices so they are skilled at selling on more than just price. They are highly trained on their company’s products which helps them compete with independent agents. Consumers often choose to use a exclusive agent mostly because of high brand loyalty and solid financial strength.
Below is a short list of exclusive agents in Los Angeles that are able to give price quote information.
- Kaz Achiwa – State Farm Insurance Agent
340 E Azusa St, Ste B – Los Angeles, CA 90012 – (213) 253-1210 – View Map
- Paul Major – State Farm Insurance Agent
12030 Washington Blvd Ste A – Los Angeles, CA 90066 – (310) 482-3990 – View Map
- Oleg Avanesov – State Farm Insurance Agent
12245 California Route 2 – Los Angeles, CA 90025 – (310) 826-8700 – View Map
Independent Agents (or Brokers)
These agents often have affiliation with several companies so they can quote policies with many different companies depending on which coverage is best. If your agent finds better pricing, they can switch companies in-house and you won’t have to switch agencies. When comparing rates, you need to contact at least one independent agent so that you have a good selection of quotes to compare. Most also write with companies that do not advertise much who may have lower rates.
Below are Los Angeles independent agencies willing to provide price quote information.
- InsurAide Insurance Agency, Inc. (IIA)
1081 Westwood Blvd Suite 218 – Los Angeles, CA 90024 – (310) 208-3548 – View Map
- STARC INSURANCE AGENCY,INC
5250 W Century Blvd #426 – Los Angeles, CA 90045 – (888) 400-4004 – View Map
- Sean Paul Insurance Agency
3101 Silver Lake Blvd – Los Angeles, CA 90039 – (323) 667-9180 – View Map
Car insurance coverages for a Cadillac CTS
Understanding the coverages of your auto insurance policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. These are the normal coverages found on most auto insurance policies.
Collision coverage protection
Collision coverage pays for damage to your CTS caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for claims like colliding with a tree, scraping a guard rail, hitting a parking meter and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible on your CTS to save money on collision insurance.
Coverage for liability
This coverage protects you from damage or injury you incur to a person or their property by causing an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 15/30/5 which means a limit of $15,000 per injured person, $30,000 for the entire accident, and a total limit of $5,000 for damage to vehicles and property.
Liability can pay for things like loss of income, attorney fees and bail bonds. How much coverage you buy is a personal decision, but you should buy as large an amount as possible. California requires drivers to carry at least 15/30/5 but you should consider buying higher limits.
The next chart demonstrates why buying low liability limits may not be high enough to adequately cover claims.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family and also any damage incurred to your Cadillac CTS.
Since a lot of drivers carry very low liability coverage limits (which is 15/30/5), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.
Comprehensive auto coverage
This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims like damage from a tornado or hurricane, vandalism and fire damage. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Medical payments and PIP coverage
Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like nursing services, dental work, EMT expenses and chiropractic care. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible
Compare car insurance prices regularly to save
We just presented some good ideas how to lower your Cadillac CTS insurance premium rates in Los Angeles. The key thing to remember is the more rate comparisons you have, the better likelihood of getting low cost Los Angeles car insurance quotes. Consumers could even find that the biggest savings come from some of the lesser-known companies. They may cover specific market segments cheaper as compared to the big name companies such as Allstate, GEICO and Progressive.
Discount Cadillac CTS insurance in Los Angeles is definitely available on the web and from local agencies, so you need to shop Los Angeles car insurance with both to get a complete price analysis. Some insurance providers may not provide online price quotes and many times these regional insurance providers provide coverage only through independent insurance agents.
Even more information is located in the articles below:
- Tools for Teen Driving Safety (State Farm)
- How Much are Auto Insurance Quotes for 17 Year Olds in Los Angeles? (FAQ)
- Who Has Cheap Car Insurance for Drivers with Accidents in Los Angeles? (FAQ)
- How Much is Auto Insurance for a Hyundai Elantra in Los Angeles? (FAQ)
- Who Has Cheap Auto Insurance Rates for Seniors in Los Angeles? (FAQ)
- Who Has the Cheapest Los Angeles Auto Insurance for a Kia Forte? (FAQ)
- Safe Vehicles for Teens (iihs.org)
- Vehicle Safety Ratings (iihs.org)
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
- Auto Insurance for Teen Drivers (Insurance Information Institute)