Cheap Cadillac CTS Insurance in Columbus

To save the most money, the best way to find affordable quotes for Cadillac CTS insurance is to start doing a yearly price comparison from providers in Columbus.

• Step 1: Try to understand the different coverages in a policy and the things you can change to prevent expensive coverage. Many rating criteria that cause rate increases like your driving record and an unacceptable credit rating can be rectified by paying attention to minor details. This article gives additional ideas to get better rates and get discounts that may be available to you.
• Step 2: Get rate quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can provide rates from a single company like Progressive or Allstate, while independent agents can quote rates from multiple companies.
• Step 3: Compare the new rates to your existing rates to see if switching to a new carrier will save money. If you find a lower rate quote, make sure the effective date of the new policy is the same as the expiration date of the old one.
• Step 4: Provide notification to your current company to cancel your current policy and submit the required down payment along with the signed application to your new insurance company. Once received, keep your new certificate verifying coverage in your glove compartment.

A crucial key to this process is to make sure you’re comparing identical coverages on every quote request and and to get rate quotes from as many car insurance companies as possible. Doing this ensures an apples-to-apples comparison and and a good selection of different prices.

Unimaginable but true, the vast majority of Ohio insurance customers have bought insurance from the same company for more than four years, and roughly 40% of drivers have never even compared quotes to find affordable rates. The average driver in the U.S. could save 47% a year just by getting comparison quotes, but they don’t believe the amount of savings they would get if they moved their coverage to a different company.

Companies offering Cadillac CTS insurance in Ohio

The companies in the list below have been selected to offer price quotes in Ohio. If the list has multiple companies, we suggest you compare several of them to get the most affordable price.

Rates and detailed analysis

The rate table displayed next covers different insurance coverage prices for Cadillac CTS models. Having a better understanding of how auto insurance policy rates are figured can be of help when making informed decisions when comparing rate quotes.

Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Price information does not factor in zip code location which can revise auto insurance rates considerably.

Deductible analysis

When comparing car insurance rates, the most common question is where should you set your physical damage deductibles. The premium rates below show the rate differences of buying low and high insurance deductibles. The first set of rates uses a $250 deductible for comp and collision and the second price chart uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Premium amounts do not factor in the specific area where the vehicle is garaged which can change premiums considerably.

Based on the figures above, using a $250 deductible costs an average of $11 more each month or $132 every year averaged for all CTS models than selecting the higher $500 deductible. Because you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to average at least 23 months between claim filings, you would probably be better off going with the higher deductible.

Impact of violations and accidents on rates in Columbus

The information below illustrates how violations and accidents can raise Cadillac CTS insurance rates for different age groups. The costs are based on a single female driver, full coverage, $250 deductibles, and no discounts are factored in.

Car insurance premiums based on gender

The example below compares Cadillac CTS annual premium costs for male and female drivers. The data is based on no claims or violations, full physical damage coverage, $500 deductibles, single status, and no policy discounts are applied.

Rate comparison of full coverage and liability-only

The illustration below illustrates the difference between Cadillac CTS auto insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Ohio. The prices are based on no claims or violations, $500 deductibles, marital status is single, and no additional discounts are factored in.

Deciding between full coverage and liability only

There is no exact rule to exclude comprehensive and collision coverage on your policy, but there is a general convention. If the yearly cost for physical damage coverage is more than about 10% of replacement cost minus your deductible, then you might want to consider buying only liability coverage.

For example, let’s assume your Cadillac CTS book value is $4,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company would pay you is $3,000 after paying your policy deductible. If you are paying over $300 a year to have full coverage, the it may be a good time to stop paying for full coverage.

There are some situations where dropping full coverage is not recommended. If you have an outstanding loan on your vehicle, you have to keep full coverage to protect the lienholder’s interest. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should maintain full coverage.

Do you qualify for these five discounts?

Some insurers don’t list all discounts in a way that’s easy to find, so the following is a list of some of the best known as well as some of the hidden credits that may apply to you.

• Discounts for Multiple Vehicles – Drivers who insure several vehicles with the same car insurance company can get a discount on all vehicles.
• Good Grades Discount – This discount may save you up to 25%. This discount can apply up until you turn 25.
• Memberships – Having an affiliation with a professional or civic organization is a simple method to lower premiums when shopping for car insurance.
• Drive Safe and Save – Drivers without accidents can get discounts for up to 45% lower rates compared to rates paid by drivers with frequent claims.
• Safety Restraint Discount – Requiring all passengers to fasten their seat belts can save up to 10 percent (depending on the company) off the PIP or medical payment premium.

It’s important to note that most discount credits are not given to all coverage premiums. Most only reduce specific coverage prices like liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, you’re out of luck.

The chart below compares Cadillac CTS insurance prices with and without discounts applied. The data assumes a male driver, no accidents, no driving violations, Ohio state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, multi-car, multi-policy, safe-driver, and marriage discounts applied.

To choose providers that offer the discounts shown above in Ohio, click this link.

How to know if you need help

Always remember that when buying proper insurance coverage, there is no one-size-fits-all type of policy. Every situation is different and your insurance should unique, too. These are some specific questions might point out if your insurance needs might need an agent’s assistance.

• What is no-fault insurance?
• What should my uninsured motorist coverage limits be in Ohio?
• Am I getting all the discounts available?
• Is rental equipment covered for theft or damage?
• Is my Cadillac CTS covered for smoke damage?
• When would I need rental car insurance?
• Should I bundle my homeowners policy with my auto?
• How high should my medical payments coverage be?
• Is my camper covered for physical damage?
• How much cheaper are high deductibles?

If you’re not sure about those questions, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Do I need an insurance agent?

A small number of people prefer to go talk to an agent and we recommend doing that Agents can help you choose the best coverages and help you file claims. A nice benefit of comparing car insurance online is the fact that you can find the best rates but still work with a licensed agent. And providing support for local insurance agencies is important particularly in Columbus.

To find an agent, once you fill out this simple form, the coverage information gets sent to local insurance agents in Columbus that can give you free Columbus car insurance quotes for your business. It simplifies rate comparisons since you won’t have to visit any agencies since price quotes are sent immediately to you. If for some reason you want to get a price quote from a specific car insurance provider, you can always go to their quote page and fill out the quote form the provide.

When searching for a local insurance agency, you should know the different agency structures and how they differ in how they quote coverages. Insurance agencies in Columbus can either be exclusive or independent (non-exclusive). Both insure your vehicles, but it’s good to learn why they differ because it can factor into the kind of agent you use.

Independent Car Insurance Agencies or Brokers

Independent insurance agents do not write with just one company and that allows them to write policies with a variety of different insurance companies and get you the best rates possible. If prices rise, they simply move the coverage in-house which makes it simple for you.

If you are trying to find cheaper rates, it’s a good idea to contact multiple independent agents to ensure the widest selection of prices. Many independent agencies also insure through smaller regional carriers which could offer lower prices.

The following is a short list of independent insurance agencies in Columbus who may provide free car insurance rate quotes.

• Wiles Insurance Agency
  348 Granville St – Gahanna, OH 43230 – (614) 536-0370 – View Map
• Soller Insurance Agency
  891 S James Rd – Columbus, OH 43227 – (614) 235-2815 – View Map
• Nationwide Insurance: Robert Darnell Jackson Agency
  2690 E Main St – Columbus, OH 43209 – (614) 235-5413 – View Map

View more Columbus agents

Exclusive Insurance Agencies

Exclusive agencies write business for a single company and examples are Allstate, AAA, Farmers Insurance, and State Farm. These agents are not able to give you multiple price quotes so always compare other rates. These agents receive extensive training on their company’s products which helps offset the inability to provide other markets. Consumers often use the same agent mainly due to high brand loyalty rather than low price.

Listed below are exclusive agencies in Columbus that can give you comparison quotes.

• Nikki Ogunduyile – State Farm Insurance Agent
  20 S 3rd St #210 – Columbus, OH 43215 – (614) 274-7130 – View Map
• Andrea Taylor – State Farm Insurance Agent
  5540 N Hamilton Rd – Columbus, OH 43230 – (614) 855-9421 – View Map
• Danny Hilton – State Farm Insurance Agent
  3276 Morse Rd b – Columbus, OH 43231 – (614) 475-8808 – View Map

View more Columbus agents

Choosing the best insurance agent should include more criteria than just a cheap price quote. Below are some questions you should ask.

• Are they involved in claim handling?
• How long has their agency been in business in Columbus?
• How much will you save each year by using a higher deductible?
• How often do they review coverages?
• Do clients work directly with the agent or are most inquiries handled by a CSR?
• Do they offer rental car reimbursement?

Insurance specifics

Having a good grasp of your policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverages found on most insurance policies.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from getting keyed, hitting a bird, theft, damage from flooding and falling objects. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for bills like EMT expenses, dental work, prosthetic devices and funeral costs. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Liability auto insurance

This provides protection from damage that occurs to people or other property. This coverage protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as bail bonds, legal defense fees and structural damage. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford. Ohio state minimum liability requirements are 25/50/25 but you should think about purchasing more coverage.

The chart below demonstrates why buying minimum limits may not be high enough to cover claims.

Collision protection

This coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as hitting a parking meter, sideswiping another vehicle and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible on your CTS in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many Ohio drivers only purchase the least amount of liability that is required (25/50/25), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time the UM/UIM limits are set the same as your liability limits.

Affordable coverage is out there

In this article, we presented a lot of information how to reduce Cadillac CTS insurance car insurance rates online in Columbus. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. You may even discover the most savings is with the smaller companies. Regional companies can often provide lower premium rates in certain areas than the large multi-state companies such as Allstate or State Farm.

Lower-priced Cadillac CTS insurance in Columbus can be found both online in addition to local insurance agencies, so get free Columbus car insurance quotes from both of them in order to have the best chance of saving money. Some insurance providers may not offer online price quotes and many times these small, regional companies provide coverage only through local independent agencies.

For more information, feel free to visit these articles:

• Avoiding Deer Collisions (Insurance Information Institute)
• Who Has Cheap Columbus Auto Insurance Rates for Drivers Under 25? (FAQ)
• What Auto Insurance is Cheapest for Homeowners in Columbus? (FAQ)
• Who Has Affordable Auto Insurance for a Kia Optima in Columbus? (FAQ)
• A Tree Fell on Your Car: Now What? (Allstate)
• Teen Driving Statistics (iihs.org)
• Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
• Rental Car Insurance Tips (Insurance Information Institute)