How to Save on Santa Ana Cadillac CTS Insurance

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Insurance for Cadillac CTSTo save the most money, the best way to find better pricing on car insurance rates in Santa Ana is to start doing an annual price comparison from insurers that sell auto insurance in California.

First, try to learn about auto insurance and the measures you can take to prevent expensive coverage. Many risk factors that increase rates like traffic citations and a bad credit rating can be remedied by making small lifestyle or driving habit changes.

Second, obtain price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only quote rates from one company like GEICO or Allstate, while independent agencies can quote prices from multiple insurance companies.

Third, compare the new rate quotes to your existing policy and determine if there is any savings. If you find better rates, make sure the effective date of the new policy is the same as the expiration date of the old one.

Fourth, give proper notification to your current agent or company of your intent to cancel your current policy. Submit payment along with a signed and completed policy application to your new insurance company. Once coverage is bound, place your new certificate of insurance with the vehicle registration.

The key thing to remember is that you'll want to make sure you compare the same level of coverage on every price quote and and to get rates from as many companies as possible. This guarantees a level playing field and maximum price selection.

It's an obvious statement that car insurance companies don't want policyholders to shop around. Drivers who shop for lower rates will most likely switch auto insurance companies because the odds are good of finding more affordable rates. A study showed that consumers who shopped around saved over $72 a month compared to those who never compared prices.

If finding the most affordable car insurance is your ultimate target, understanding the best way to compare insurance coverage can save time and make the process easier.

The most recommended method to compare insurance rates from multiple companies is to realize auto insurance companies provide online access to give free rates quotes. The only thing you need to do is provide details like the type of vehicles you drive, how much coverage you want, how much you drive, and how much school you completed. That rating data is then sent to insurance companies and they provide comparison quotes quickly.

To compare rates for your Cadillac CTS now, click here and find out if you can get cheaper insurance in Santa Ana.

The providers in the list below have been selected to offer free rate quotes in California. If the list has multiple companies, it's a good idea that you click on several of them in order to find the most competitive rates.

Get affordable rates by applying discounts

Insurance can cost an arm and a leg, but there are discounts available that can drop the cost substantially. Some of these discounts will be visible at quote time, but lesser-known reductions have to be asked for before being credited. If you are not receiving all the discounts you deserve, you're just leaving money on the table.Discount car insurance

  • Seat Belts Save more than Lives - Requiring all passengers to buckle up can save up to 10 percent (depending on the company) off PIP or medical payments premium.
  • Federal Employees - Employees or retirees of the government may reduce rates when you quote Santa Ana car insurance depending on your car insurance provider.
  • Responsible Driver Discount - Insureds who avoid accidents can get discounts for up to 45% lower rates than drivers with accident claims.
  • Anti-lock Brake System - Anti-lock brake equipped vehicles can reduce accidents so companies give up to a 10% discount.
  • Resident Student - Children living away from Santa Ana attending college and leave their car at home can receive lower rates.

You can save money using discounts, but some of the credits will not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. Despite the fact that it seems like it's possible to get free car insurance, it doesn't quite work that way.

The illustration below illustrates the comparison of Cadillac CTS auto insurance rates with and without discounts. The rates are based on a female driver, no driving violations, no at-fault accidents, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-policy, homeowner, claim-free, and multi-car discounts applied.

A list of car insurance companies and some of their more popular discounts can be read below.

  • GEICO offers discounts including federal employee, military active duty, membership and employees, five-year accident-free, and good student.
  • MetLife may offer discounts for good driver, good student, accident-free, defensive driver, and claim-free.
  • State Farm may have discounts that include multiple autos, good driver, student away at school, Drive Safe & Save, multiple policy, accident-free, and Steer Clear safe driver discount.
  • Progressive discounts include online signing, homeowner, online quote discount, multi-policy, and continuous coverage.
  • Mercury Insurance may include discounts for location of vehicle, professional/association, age of vehicle, good driver, and multi-car.
  • 21st Century offers premium reductions for theft prevention, automatic seat belts, homeowners, air bags, and teen driver.
  • Allstate has savings for premier plus, good payer, anti-lock brakes, farm vehicle, and economy car.

When getting free Santa Ana car insurance quotes, it's a good idea to each company to give you their best rates. Some of the discounts discussed earlier may not apply to policyholders in every state. For a list of insurers that offer discounts in Santa Ana, click here to view.

Detailed insurance information

The price information shown next outlines detailed analysis of policy rates for Cadillac CTS models. Having a good grasp of how insurance quotes are determined can assist in making smart choices when buying a car insurance policy.

Cadillac CTS Insurance Rates in Santa Ana, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CTS AWD $230 $418 $450 $26 $134 $1,258 $105
CTS $230 $418 $450 $26 $134 $1,258 $105
CTS Luxury AWD $230 $482 $450 $26 $134 $1,322 $110
CTS Performance AWD $230 $482 $450 $26 $134 $1,322 $110
CTS Luxury $230 $482 $450 $26 $134 $1,322 $110
CTS Performance $230 $482 $450 $26 $134 $1,322 $110
CTS Sport $230 $482 $450 $26 $134 $1,322 $110
CTS Premium $258 $482 $450 $26 $134 $1,350 $113
CTS Premium AWD $258 $482 $450 $26 $134 $1,350 $113
Get Your Own Custom Quote Go

Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Prices do not factor in specific location information which can affect premiums greatly.

Where to set your deductibles

The hardest decision when buying coverage is how high or low should comp and collision deductibles be. The rates below may help to conceptualize the differences in premium rates when you buy lower versus higher comp and collision deductibles. The first table uses a $250 deductible for physical damage and the second pricing table uses a $500 deductible.

Cadillac CTS insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CTS AWD $386 $678 $442 $26 $132 $1,689 $141
CTS $386 $678 $442 $26 $132 $1,689 $141
CTS Luxury AWD $386 $780 $442 $26 $132 $1,791 $149
CTS Performance AWD $386 $780 $442 $26 $132 $1,791 $149
CTS Luxury $386 $780 $442 $26 $132 $1,791 $149
CTS Performance $386 $780 $442 $26 $132 $1,791 $149
CTS Sport $386 $780 $442 $26 $132 $1,791 $149
CTS Premium $430 $780 $442 $26 $132 $1,835 $153
CTS Premium AWD $430 $780 $442 $26 $132 $1,835 $153
Get Your Own Custom Quote Go
Cadillac CTS insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CTS AWD $314 $546 $442 $26 $132 $1,460 $122
CTS $314 $546 $442 $26 $132 $1,460 $122
CTS Luxury AWD $314 $630 $442 $26 $132 $1,544 $129
CTS Performance AWD $314 $630 $442 $26 $132 $1,544 $129
CTS Luxury $314 $630 $442 $26 $132 $1,544 $129
CTS Performance $314 $630 $442 $26 $132 $1,544 $129
CTS Sport $314 $630 $442 $26 $132 $1,544 $129
CTS Premium $348 $630 $442 $26 $132 $1,578 $132
CTS Premium AWD $348 $630 $442 $26 $132 $1,578 $132
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Rate quotes do not factor in Santa Ana location which can influence auto insurance rates significantly.

Using the data above, we can ascertain that using a $250 deductible costs approximately $20 more each month or $240 a year than opting for the higher $500 deductible. Since you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you normally go at a minimum 13 months between claims, you would save money by going with a higher deductible.

The example below shows how choosing a deductible and can influence Cadillac CTS insurance rates for different insured age categories. The costs are based on a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

How accidents and violations affect rates

The information below demonstrates how citations and at-fault fender-benders can drive up Cadillac CTS insurance prices for each age group. The data is based on a married male driver, full physical damage coverage, $100 deductibles, and no additional discounts are factored in.

Smart Consumers Know How to Quote Auto Insurance More Affordably

Lots of factors are part of the calculation when you get your auto insurance bill. Some are pretty understandable like your driving record, but some are more obscure like your continuous coverage or your commute time.

Shown below are some of the most common factors used by companies to determine prices.

  • Responsible credit saves on auto insurance - An insured's credit score can be an important factor in determining your rates. Therefore, if your credit history could use some work, you could be paying less to insure your Cadillac CTS by taking the time to improve your credit score. Consumers who have excellent credit scores tend to be more responsible and file fewer claims than drivers with poor credit.
  • Gender and auto insurance costs - Statistics demonstrate women tend to be less risk to insure than men. However, this does not mean females are better at driving than males. They both have at-fault accidents in similar percentages, but the men cause more damage and cost insurance companies more money. In addition to higher claims, males also get higher numbers of serious violations like DWI (DUI) or reckless driving.

    The information below illustrates the comparison of Cadillac CTS insurance costs for male and female drivers. The price estimates are based on no claims or driving citations, comp and collision included, $1,000 deductibles, single status, and no discounts are applied to the premium.

  • Pleasure use or commuting - The more miles you rack up on your Cadillac each year the higher your rate. Almost all companies rate vehicles based upon how the vehicle is primarily used. Cars that have low annual miles can be on a lower rate level than those used for commuting. Improper usage on your CTS can cost quite a bit. Ask your agent if your vehicle rating correctly shows the right rating data, because it can save money.
  • Compare rates if you combine your policies - Most companies afford lower prices to clients who consolidate policies with them, otherwise known as a multi-policy discount. Discounts can amount to ten or even fifteen percent. Even if you're getting this discount you still need to compare Cadillac CTS rates in Santa Ana to ensure the best deal.
  • Liability is cheap - Your auto insurance policy's liability coverage kicks in when you are ruled to be at fault for causing damage or personal injury in an accident. It provides legal defense coverage starting from day one. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so do not skimp.
  • Marriage is a factor - Getting married can actually save you money compared to being single. It means you're more financially stable it has been statistically shown that married drivers get in fewer accidents.
  • Insurance loss probability for a Cadillac CTS - Companies use historical loss data to calculate a rate that offsets possible losses. Vehicles that have higher number or severity of losses will have a higher cost to insure.

    The table below demonstrates the compiled insurance loss statistics for Cadillac CTS vehicles. For each policy coverage type, the claim amount for all vehicles as a whole is considered to be 100. Percentage values below 100 suggest a positive loss record, while numbers that are greater than 100 show a trend for more claims or an increased likelihood of larger losses.

    Cadillac CTS Insurance Loss Statistics
    Vehicle Make and 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 for 2013-2015 Model Years

Independent or exclusive insurance agencies

A lot of people would rather get professional advice from a licensed agent and that is a smart decision Good agents are trained to spot inefficiencies and will help you if you have claims. One of the benefits of comparing car insurance online is that drivers can save money and get cheap rate quotes and still have an agent to talk to.

Insurance agency in Santa AnaFor easy comparison, once you complete this form (opens in new window), your information is submitted to agents in your area who will give you bids for your coverage. You never need to find an agent on your own because quoted prices will be sent to your email. In the event you want to compare rates from one company in particular, feel free to jump over to their website and fill out their quote form.

Deciding on an provider should include more criteria than just a cheap price. Any agent in Santa Ana should be willing to answer these questions.

  • Does the agent recommend any additional coverage?
  • Is their price quote a firm figure or are their hidden costs?
  • How long has their agency been in business in Santa Ana?
  • Does the agency have a current Errors and Omissions policy?
  • Do they have 24-hour customer assistance?
  • Can they give you a list of client referrals?
  • If you raise deductibles, how much can you save?
  • If your car is totaled, how to they determine the replacement cost?

Below are Santa Ana car insurance companies willing to provide price quotes for Cadillac CTS insurance in Santa Ana.

View more Santa Ana agents

After you get satisfactory answers to these questions as well as a price you're happy with, you may have found an insurance company that can provide car insurance coverage.

Everyone needs different car insurance coverages

When it comes to the right insurance coverage, there really is no perfect coverage plan. Every situation is different.Higher deductibles save money

These are some specific questions may help highlight if your situation may require specific advice.

  • Which companies are cheaper for teen drivers?
  • Does rental coverage apply when I am renting a car?
  • Are all vehicle passengers covered by medical payments coverage?
  • Which companies will insure high-risk drivers?
  • Can I afford to pay high deductible claims out of pocket?
  • How many claims can I have before being canceled?
  • When should I not file a claim?
  • Do I have newly-acquired coverage?
  • Is a driver training discount available?
  • What is an umbrella policy?

If you're not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don't have a local agent, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

Quote often and quote early

Some companies do not provide online rate quotes and most of the time these small, regional companies prefer to sell through independent insurance agencies. Budget-conscious Cadillac CTS insurance can be bought both online and from local insurance agents, so you should be comparing quotes from both to have the best selection.

Consumers leave their current company for many reasons like delays in paying claims, denial of a claim, not issuing a premium refund or even unfair underwriting practices. Regardless of your reason, choosing a new company is not as difficult as it may seem.

We just presented a lot of information how to find lower-cost Cadillac CTS insurance in Santa Ana. The most important thing to understand is the more you quote Santa Ana car insurance, the better your chances of lowering your premium rates. Consumers could even find that the best car insurance rates are with a company that doesn't do a lot of advertising.

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