How to Compare Houston Cadillac CTS-V Insurance

How long has it been since you compared the cheapest car insurance rates in Houston, TX? Houston buyers have lots of choices when searching for the lowest priced Cadillac CTS-V insurance. You can either spend your time contacting agents trying to get quotes or save time using the internet to find the lowest rates.

There is a right way and a wrong way to buy car insurance so we’re going to tell you the quickest way to compare rates for your Cadillac and locate the lowest possible price.

It is always a good idea to check car insurance prices quite often because car insurance prices tend to go up over time. If you had the best quotes on Cadillac CTS-V insurance in Houston a few years ago a different company probably has better rates today. Forget all the misinformation about car insurance because you’re about to learn the best way to properly buy coverages and cut your premium.

All the larger car insurance companies like 21st Century, Allstate and State Farm provide coverage price quotes on their websites. Getting Cadillac CTS-V insurance prices online is pretty painless as you just enter the amount of coverage you want into the quote form. After the form is submitted, the system collects your driving record and credit report and returns a price.

Using the web to get quotes for Cadillac CTS-V insurance in Houston makes it simple to compare prices and it’s necessary to compare as many rates as possible if you want to get the lowest payment.

To find out what other companies charge, check out the car insurance providers below. To compare your current rates, we recommend you enter the insurance coverages just like they are on your policy. This way, you will have a price comparison based on similar coverages.

The companies in the list below are ready to provide comparison quotes in Houston, TX. If multiple companies are listed, we recommend you visit two to three different companies in order to get a fair rate comparison.

Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Rates do not factor in Houston location which can lower or raise premiums greatly.

Raise deductibles and save

The information below highlights how deductible selection and can influence Cadillac CTS-V insurance rates for each age group. The price estimates are based on a married female driver, full physical damage coverage, and no discounts are applied to the premium.

Deductible analysis

One common question asked by Houston drivers is how low should you set your deductibles. The tables below show the premium difference when you select higher and lower deductibles. The first price estimate table uses a $250 comprehensive and collision deductible and the second set of prices uses a $500 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Rate quotes do not factor in the specific area where the vehicle is garaged which can increase or decrease auto insurance rates noticeably.

Based on this data, we can arrive at the conclusion that using a $250 deductible could cost the average driver approximately $23 more each month or $276 each year than choosing the higher $500 deductible. Since you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to have more than 11 months between claims, you would most likely save money if you opt for a higher deductible.

Illustration showing the impact of accidents and violations

The information below highlights how traffic violations and accidents can raise Cadillac CTS-V car insurance costs for each age group. The premiums are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.

Three main reasons to buy auto insurance

Despite the high insurance cost for a Cadillac CTS-V in Houston, buying auto insurance may not be optional for several reasons.

First, most states have mandatory liability insurance requirements which means state laws require a minimum amount of liability in order to be legal. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you bought your CTS-V with a loan, almost every bank will require that you have comprehensive coverage to ensure they get paid if you total the vehicle. If you default on your policy, the lender may insure your Cadillac at a much higher premium rate and require you to fork over the higher premium.

Third, insurance safeguards not only your vehicle but also your financial assets. It will also cover medical bills for you, your passengers, and anyone else injured in an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of carrying adequate insurance greatly outweigh the cost, particularly when you have a large claim. The average driver in America is overpaying over $855 a year so compare quotes from several companies at every renewal to help ensure money is not being wasted.

Learn How to Lower Your Insurance Rates

One of the most helpful ways to save on car insurance is to to have a grasp of some of the things that go into determining the price you pay for car insurance. When consumers understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that could help you find better car insurance rates. Multiple criteria are part of the calculation when quoting car insurance. Some are pretty understandable like your driving record, although others are more transparent like your continuous coverage or your financial responsibility.

The factors shown below are most of the major factors used by insurance companies to determine your rate level.

• Lower premiums for being claim-free – Insurance companies in Texas give most affordable rates to people who do not file claims often. If you file a lot of claims you can definitely plan on either policy cancellation or increased premiums. Your car insurance is intended for the bigger claims that can’t be paid out-of-pocket.
• Bundle policies with the same company – Some car insurance companies allow a discount to buyers who carry more than one policy, otherwise known as a multi-policy discount. This can amount to five, ten or even twenty percent. Even if you already get this discount, it’s in your best interest to check prices from other companies to guarantee you are still saving the most. You may still save more without the discount even if you have your coverage with different companies
• Do you really need the incidental coverages? – Insurance companies have many additional extra coverages that may not really be needed if you aren’t diligent. Coverages like coverage for rental cars, better glass coverage, and membership fees are probably not needed. They may seem good at first, but your money might be better spent on other coverage so get rid of them and save.
• Car features that cut rates – Choosing a vehicle with anti-theft technology or alarm system can save you a little every year. Theft deterrent systems such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent your vehicle from being stolen.
• Insurance loss data for Cadillac CTS-V vehicles – Insurers take into consideration insurance loss statistics for every vehicle when setting rates for each model. Models that tend to have higher loss trends will have higher rates. The table shown below demonstrates the historical insurance loss data for Cadillac CTS-V vehicles.

  For each type of coverage, the claim amount for all vehicles compiled together is a value of 100. Values under 100 indicate a favorable loss history, while values that are 100 or greater point to more frequent losses or statistically larger losses.

  Auto Insurance Loss Data for Cadillac CTS-V Models

  Vehicle Make and Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Cadillac CTS-V 2dr	174	74	135

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Get cheaper Cadillac CTS-V insurance rates in Houston

Some insurers don’t list the entire discount list in an easy-to-find place, so the list below contains both the well known and also the more inconspicuous credits available to lower your premiums when you buy Houston car insurance online.

• Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to use their safety belts may be able to save a few bucks off the medical payments premium.
• Driver’s Ed – Have your child take driver’s ed class in school or through a local driver safety program.
• Theft Deterrent System – Anti-theft and alarm system equipped vehicles can help prevent theft and can earn a small discount on your policy.
• Buy New and Save – Buying a new car model can cost up to 25% less because newer models keep occupants safer.
• Resident Student – Older children who are attending college and do not have a car could qualify for this discount.
• Good Grades Discount – Excelling in school can be rewarded with saving of up to 25%. Most companies allow this discount until age 25.
• Paperwork-free – A few larger online companies will discount your bill up to fifty bucks for completing your application on their website.
• Multi-Vehicle Discounts – Drivers who insure multiple vehicles with the same company can get a discount on all vehicles.

We need to note that many deductions do not apply to the overall cost of the policy. Most only reduce individual premiums such as medical payments or collision. If you do the math and it seems like you would end up receiving a 100% discount, you aren’t that lucky. Any qualifying discounts will bring down the premium cost.

A partial list of companies who might offer some of the discounts shown above may include but are not limited to:

• The Hartford
• American Family
• Progressive
• Travelers
• Farmers Insurance
• USAA
• Liberty Mutual

Before purchasing a policy, check with each insurance company to apply every possible discount. Some discounts listed above may not apply to policyholders in Houston.

When should I discuss my situation with an agent?

When it comes to choosing coverage, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply.
For instance, these questions may help highlight whether your personal situation could use an agent’s help.

• At what point should I drop full coverage?
• How much liability insurance is required?
• Should I buy additional glass protection?
• Is a driver training discount available?
• How high should deductibles be on a Cadillac CTS-V?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Which is better, split liability limits or combined limits?
• Do I need an umbrella policy?
• Am I covered if I hit someone who is not insured?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Can’t I compare rates from local Houston insurance agents?

Some consumers prefer to get professional advice from a licensed agent and that can be a great decision Insurance agents can answer important questions and help file insurance claims. One of the great benefits of getting online price quotes is the fact that you can find the best rates but still work with a licensed agent. And providing support for local insurance agents is especially important in Houston.

Once you complete this short form, the coverage information gets sent to local insurance agents in Houston who will give you quotes to get your business. You won’t need to search for an agent since price quotes are sent directly to your email. If you have a need to compare prices from a specific insurance company, feel free to go to their quote page and fill out the quote form the provide.

If you want to use a reliable insurance agency, it’s important to understand the types of agencies and how they can service your needs differently. Agents in Houston are considered either independent (non-exclusive) or exclusive. Either type can handle insurance, but it’s worth mentioning how they differ because it can influence the type of agent you choose.

Independent Insurance Agencies

These type of agents can quote rates with many companies so they can insure your vehicles with any number of different companies and get the cheapest rates. If they find a cheaper price, an independent agent can move your coverage which makes it simple for you.

When comparing insurance rates, you absolutely need to compare prices from at least one independent agent to get the best comparison. Most also have access to different regional companies that can offer cheaper rates than bigger companies.

Listed below is a list of independent agencies in Houston that may be able to give you pricing information.

• Gem Insurance Agencies
  3355 W Alabama St #850 – Houston, TX 77098 – (713) 622-2330 – View Map
• Kingspoint Insurance Agency, Inc.
  11200 Westheimer Rd #850 – Houston, TX 77042 – (713) 850-1660 – View Map
• TDECU INSURANCE AGENCY, LLC
  1235 N Loop W Fwy #1100 – Houston, TX 77008 – (979) 238-8283 – View Map

More insurance agents

Exclusive Agents

These type of agents can usually just insure with one company like State Farm, AAA, and Liberty Mutual. Exclusive agents cannot compare other company’s rates so they have no alternatives for high prices. Exclusive agents are very knowledgeable on what they offer and that can be a competitive advantage. Some insured continue to buy from exclusive agents mostly because of the prominent brand name and the convenience of having all coverages with one company.

Shown below is a short list of exclusive agencies in Houston who can help you get price quote information.

• Scott McNab – State Farm Insurance Agent
  1005 Waugh Dr b – Houston, TX 77019 – (713) 520-5556 – View Map
• Joy Knox State Farm Insurance Agency
  1510 Eldridge Pkwy #108 – Houston, TX 77077 – (281) 759-4300 – View Map
• Tammy Pham – State Farm Insurance Agent
  13618 Bellaire Blvd, Ste E5 – Houston, TX 77083 – (281) 498-6800 – View Map

More insurance agents

Selecting a car insurance agent should include more criteria than just a cheap price quote. These are some questions you should get answers to.

• When do they do a full risk review?
• Can glass claims be handled at your home?
• Are there any extra charges for paying monthly?
• If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
• Can you contact them at any time?

Smart shoppers get results

As you quote Houston car insurance, it’s not a good idea to buy less coverage just to save a little money. There have been many cases where an accident victim reduced full coverage only to regret at claim time that the savings was not a smart move. Your goal is to buy enough coverage for the lowest cost and still be able to protect your assets.

Discount Cadillac CTS-V insurance in Houston is possible from both online companies in addition to many Houston insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some companies may not offer the ability to get quotes online and these smaller providers only sell through local independent agencies.

For more information, take a look at the articles below:

• Rental Reimbursement Coverage (Allstate)
• Who Has the Cheapest Auto Insurance Quotes for a Toyota Tacoma in Houston? (FAQ)
• Who Has Cheap Auto Insurance for a Honda Pilot in Houston? (FAQ)
• Airbag FAQ (iihs.org)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Teen Driver Licensing Information (iihs.org)