Searching for cheaper insurance for your Cadillac CTS in Georgia can normally be an all-consuming task, but you can learn our insurance buying tips and make it easy.
There are both good and bad ways to shop for insurance so we’re going to tell you the absolute fastest way to quote coverages for your Cadillac and find the best price possible either online or from Atlanta insurance agents.
You should make it a habit to get comparison quotes once or twice a year since rates change regularly. Despite the fact that you may have had the best premium rates on Cadillac CTS insurance in Atlanta two years ago there is a good chance you can find better prices now. Forget all the misinformation about insurance because you’re about to find out how to quote online to save money, get proper deductibles and limits, all at the lowest rate.
Getting quotes for more affordable insurance in Atlanta is easy if you know what you’re doing. If you are already insured or need a new policy, use these techniques to reduce the price you pay without reducing protection. Smart shoppers just need to know the most effective way to quote multiple rates on the web.
Most of the larger companies such as GEICO, State Farm and Progressive provide coverage prices direct online. Doing online quotes for Cadillac CTS insurance in Atlanta is fairly simple because you just enter your personal and coverage information into the quote form. When complete, their rating system orders credit information and your driving record and quotes a price.
Using the web to get rates for Cadillac CTS insurance in Atlanta makes it easy to compare insurance prices and it is imperative to have as many quotes as possible in order to get the best possible rates on auto insurance.
To save time and compare pricing, visit the companies below or click here to submit a quote request to multiple companies at once. If you have your current policy handy, we recommend you input your coverages exactly as they are listed on your policy. This guarantees you will be getting rate quotes based on the exact same insurance coverage.
The companies shown below provide price quotes in Atlanta, GA. If several companies are displayed, we suggest you visit several of them to find the cheapest car insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CTS AWD | $274 | $560 | $476 | $28 | $142 | $1,480 | $123 |
| CTS | $240 | $502 | $444 | $26 | $134 | $1,346 | $112 |
| CTS Luxury AWD | $328 | $812 | $444 | $26 | $134 | $1,744 | $145 |
| CTS Performance AWD | $318 | $560 | $516 | $30 | $154 | $1,578 | $132 |
| CTS Luxury | $268 | $634 | $512 | $30 | $154 | $1,598 | $133 |
| CTS Performance | $344 | $694 | $394 | $24 | $118 | $1,574 | $131 |
| CTS Sport | $344 | $694 | $394 | $24 | $118 | $1,574 | $131 |
| CTS Premium | $204 | $450 | $444 | $26 | $134 | $1,258 | $105 |
| CTS Premium AWD | $436 | $694 | $516 | $30 | $154 | $1,830 | $153 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Information does not factor in your specific Atlanta location which can revise insurance rates noticeably.
Cadillac CTS insurance costs by age and gender
The diagram below shows the comparison of Cadillac CTS insurance rates for male and female drivers. The prices are based on no accidents, no driving violations, full physical damage coverage, $1,000 deductibles, marital status is single, and no discounts are applied to the premium.
Analysis of deductible levels
The illustration below illustrates how your deductible choice and can change Cadillac CTS premium costs for different age groups. The information is based on a single female driver, comprehensive and collision coverage, and no discounts are applied.
Three good reasons to insure your vehicle
Even though Atlanta CTS insurance rates can get expensive, insurance may be required for several reasons.
First, the majority of states have minimum mandated liability insurance limits which means state laws require a minimum amount of liability insurance coverage in order to license the vehicle. In Georgia these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you have a loan on your CTS, more than likely the lender will have a requirement that you have full coverage to ensure the loan is repaid in case of a total loss. If coverage lapses or is canceled, the bank will be required to insure your Cadillac for a lot more money and require you to fork over much more than you were paying before.
Third, insurance safeguards your vehicle and your assets. It will also reimburse you for all forms of medical expenses for both you and anyone you injure as the result of an accident. Liability coverage also pays expenses related to your legal defense in the event you are sued. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will pay to have it repaired.
The benefits of carrying adequate insurance outweigh the cost, especially for larger claims. According to a survey of 1,000 drivers, the average driver overpays more than $810 a year so it’s important to compare rates every year to make sure the price is not too high.
Save Money with These Tips
Many factors are part of the calculation when you quote your car insurance policy. Some factors are common sense like a motor vehicle report, but other factors are less apparent such as your marital status or your vehicle rating. One of the most helpful ways to save on car insurance is to to have a grasp of some of the elements that go into determining the level of your policy premiums. If you know what determines premiums, this allows you to make good choices that may result in much lower annual insurance costs.
Rates increase with driving citations – Even a single speeding ticket or other violation may increase your cost by as much as thirty percent. Drivers with clean records get better prices compared to bad drivers. People who have severe citations like DWI, reckless driving or hit and run convictions might be required by their state to file a SR-22 with their state’s licensing department in order to keep their license.
Premiums impacted by your city – Choosing to live in a rural area may provide you with better prices when shopping for auto insurance. Drivers in populated areas have to deal with traffic congestion and more severe claims. Less people translates into fewer accident claims.
Improve your credit history – Having a bad credit score can be a huge factor in determining your rates. So if your credit is lower than you’d like, you could be paying less to insure your Cadillac CTS by taking the time to improve your credit score. People that have high credit ratings tend to be less risk to insure than drivers with poor credit scores.
Do safer cars cost less to insure? – Vehicles with good safety scores tend to be cheaper to insure. Vehicles built for safety reduce the chance of injuries and better occupant protection means less money paid by your insurance company which can mean better rates for you. If your Cadillac has at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
Drive a fast car and pay more – The type of car, truck or SUV you are trying to find cheaper insurance for makes a substantial difference in how high your rates are. The lowest rates will generally be found on economy passenger cars, but other factors influence the final cost greatly. Because the Cadillac CTS is a luxury sports car, rates will be up to twice as much as compared to the average rate in Atlanta.
Increase deductibles to save – Physical damage deductibles represent how much money you are willing to pay out-of-pocket before a claim is paid by your company. Physical damage insurance, aka comp and collision, protects your car from damage. Examples of some claims that would be covered are rearending another vehicle, collision with a deer, and damage caused by road hazards. The higher the amount you have to pay, the bigger discount you will receive.
Costs also based on gender – Over the last 30 years, statistics show females are less aggressive when driving. Now that doesn’t mean females are better at driving than males. Males and females are in auto accidents at a similar rate, but males cause more damage. Not only are claims higher, but men get ticketed for serious violations such as DWI and reckless driving. Young men ages 16 to 20 are most likely to cause an accident and thus pay the highest rates.
Your occupation and car insurance rates – Did you know your occupation can influence how much you pay for car insurance? Careers like fire fighters, police officers, and miners usually pay the highest rates in part from intense work requirements and incredibly demanding work hours. Conversely, occupations such as farmers, athletes and performers receive lower rates.
Cadillac CTS insurance claim data – Companies take into consideration historical loss data for every vehicle when setting rates for each model. Models that historically have higher prevalence or dollar amount of losses will cost more for specific coverages. The table shown below demonstrates the historical loss data for Cadillac CTS vehicles.
For each coverage category, the statistical loss for all vehicles combined as an average is considered to be 100. Percentages below 100 are indicative of better than average losses, while values that are 100 or greater indicate a higher chance of having a claim or an increased likelihood of larger losses.
Cadillac CTS Insurance Loss Statistics
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Cadillac CTS 4dr 2WD | 123 | 72 | 118 | 73 | ||
| Cadillac CTS 4dr 4WD | 127 | 75 | 98 | 75 | ||
| Cadillac CTS-V 2dr | 174 | 74 | 135 |
Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
Reduce your auto insurance rates with discounts
Companies do not advertise every discount available very clearly, so the list below details both the well known and the more hidden savings tricks you should be using when you buy Atlanta auto insurance online.
- One Accident Forgiven – Not really a discount, but companies like Allstate and Progressive allow you one accident before they charge you more for coverage as long as you don’t have any claims for a particular time prior to the accident.
- Federal Government Employee – Being employed by or retired from a federal job may reduce rates when you quote Atlanta auto insurance with certain companies.
- Low Miles Discount – Driving fewer miles could earn substantially lower rates.
- Discount for New Cars – Adding a new car to your policy can save you some money since newer vehicles have better safety ratings.
- Early Switch Discount – Some auto insurance companies reward drivers for renewing your policy before your current expiration date. It can save you around 10%.
- Discount for Life Insurance – Not all insurance companies offer life insurance, but some may give you a small discount if you purchase auto and life insurance together.
A quick disclaimer, many deductions do not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like you can get free auto insurance, it doesn’t quite work that way.
Companies and a partial list of their discounts include:
- State Farm discounts include Drive Safe & Save, safe vehicle, defensive driving training, anti-theft, and multiple autos.
- American Family has savings for good driver, TimeAway discount, good student, defensive driver, and air bags.
- GEICO offers discounts for seat belt use, anti-lock brakes, military active duty, multi-policy, emergency military deployment, and good student.
- 21st Century policyholders can earn discounts including student driver, homeowners, teen driver, air bags, theft prevention, and 55 and older.
- Progressive may have discounts that include continuous coverage, multi-policy, good student, homeowner, multi-vehicle, and online signing.
Check with each company or agent the best way to save money. Some discounts listed above may not apply to policies in every state.
Auto insurance agents near you
Many people would prefer to go talk to an agent and that is recommended in a lot of cases Professional agents can help you build your policy and help submit paperwork. A nice benefit of comparing rates online is that you can obtain better rates but still work with a licensed agent. Buying insurance from neighborhood insurance agencies is important particularly in Atlanta.
Upon completion of this short form, the quote information is transmitted to local insurance agents who want to provide quotes for your coverage. It makes it easy because there is no need to drive around because quoted prices will be sent instantly to you. If you want to get a rate quote from a specific company, you can always navigate to their website and fill out the quote form the provide.
The difference between Atlanta auto insurance agents
If you want an insurance agent, you need to know there are two types of agencies that differ in how they can insure your vehicles. Agents in Atlanta may be either exclusive or independent (non-exclusive). Both types of agents can write policy coverage, but it’s worth learning the difference between them since it can impact the kind of agent you use.
Independent Auto Insurance Agencies
Independent agents are not employed by one company so they can insure your vehicles through many different auto insurance companies and find you cheaper rates. If you are not satisfied with one company, an independent agent can move your coverage and the insured can keep the same agent. If you need cheaper auto insurance rates, we recommend you compare prices from at least one independent agent for maximum quote selection. Most can insure with companies you’ve never heard of that many times have cheaper rates.
The following is a list of independent insurance agents in Atlanta that can possibly get you comparison quotes.
- Discount Auto Insurance Agency Inc
1149 Moreland Ave SE # 4 – Atlanta, GA 30316 – (404) 624-3102 – View Map - Access General Agency Inc
1627 Peachtree St NE – Atlanta, GA 30309 – (404) 817-9744 – View Map - Mack Insurance Agency, Inc.
530 Joseph E Lowery Blvd SW A – Atlanta, GA 30310 – (470) 771-3398 – View Map
Exclusive Auto Insurance Agents
Agents of this type write business for a single company and some examples include Allstate, Farmers Insurance, State Farm, and AAA. They are unable to compare other company’s rates so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents are well schooled on the products they sell which aids in selling service over price. Some insured continue to use the same exclusive agent partially due to the prominent brand name instead of buying on price only.
Below are exclusive insurance agents in Atlanta willing to provide price quote information.
- Eddie Sanders – State Farm Insurance Agent
47 Perimeter Center E #130 – Atlanta, GA 30346 – (770) 394-5068 – View Map - Geoff Carlson – State Farm Insurance Agent
1465 Chattahoochee Ave NW #550 – Atlanta, GA 30318 – (678) 927-9977 – View Map - Allstate Insurance: Arlisher Jones
1176 Ralph David Abernathy Blvd SW – Atlanta, GA 30310 – (404) 752-7056 – View Map
Picking the best insurance agent needs to be determined by more than just a low price. These questions are important to ask:
- What kind of financial rating does the company have?
- Do they have any clout with companies to ensure a fair claim settlement?
- What is their Better Business Bureau rating?
- Do they see any coverage gaps in your plan?
- Do they assist clients in filing claims?
- Do the agents have professional certifications like CPCU or CIC?
After getting satisfactory answers as well as cheap CTS insurance quotes, you may have found an insurance agent that meets the requirements to service your policy. But remember, consumers can cancel your policy whenever you choose to so don’t think you are locked into any specific agency with no way out.
Quote more and you will save more
Lower-priced Cadillac CTS insurance in Atlanta is attainable online and from local agencies, and you should be comparing both so you have a total pricing picture. There are still a few companies who don’t offer the ability to get a quote online and many times these small, regional companies sell through independent agents.
When trying to cut insurance costs, make sure you don’t buy lower coverage limits just to save a few bucks. In many cases, an accident victim reduced physical damage coverage only to discover later they didn’t purchase enough coverage. The ultimate goal is to find the BEST coverage at a price you can afford.
We just showed you many ideas to shop for Cadillac CTS insurance online. It’s most important to understand that the more companies you get car insurance rates for, the more likely it is that you will get a better rate. You may even be surprised to find that the most savings is with the smaller companies.
Helpful articles
- Vehicle Safety Ratings (iihs.org)
- What Insurance is Cheapest for Lyft Drivers in Atlanta? (FAQ)
- What Insurance is Cheapest for Low Mileage Drivers in Atlanta? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Toyota RAV4 in Atlanta? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Used Cars in Atlanta? (FAQ)
- Who Has Cheap Auto Insurance for a Subaru Outback in Atlanta? (FAQ)
- Where can I buy Insurance? (Insurance Information Institute)
- Tools for Teen Driving Safety (State Farm)