Finding better insurance prices for a Cadillac CTS in Pennsylvania can be a painful process, but you can learn a few tricks to make it easier. There are more efficient ways to shop for auto insurance and we’ll show you the absolute fastest way to get price quotes for a new or used Cadillac and get the cheapest rates from both online companies and Philadelphia agents.
It’s an obvious assumption that car insurance companies want to keep your business as long as possible. Insureds who shop around for better prices are very likely to buy a different policy because of the good chance of finding better rates. A recent auto insurance study discovered that people who did price comparisons regularly saved approximately $3,500 over four years compared to those who never shopped around for lower prices.
If finding budget-friendly rates on Cadillac CTS insurance is your objective, knowing the best way to compare auto insurance can make it simple to find affordable coverage.
It’s a good habit to get comparison quotes before your policy renews because prices are rarely the same from one policy term to another. Just because you had the best rate on Cadillac CTS insurance in Philadelphia last year the chances are good that you can find a lower premium rate today. Block out anything you think you know about auto insurance because I’m going to teach you the proper way to remove unneeded coverages and save money.
Where can I get cheap Philadelphia Cadillac CTS insurance?
The providers in the list below can provide free quotes in Philadelphia, PA. If several companies are displayed, we recommend you visit several of them to find the lowest car insurance rates.
Three reasons to not skimp on insurance
Even though it’s not necessarily cheap to insure a Cadillac in Philadelphia, insurance is required for several reasons.
- Most states have mandatory liability insurance requirements which means state laws require a specific level of liability coverage in order to drive the car legally. In Pennsylvania 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.
- If you took out a loan on your vehicle, most lenders will require that you carry insurance to ensure loan repayment if the vehicle is totaled. If you default on your policy, the bank may insure your Cadillac at a more expensive rate and make you pay much more than you were paying before.
- Insurance protects not only your car but also your assets. Insurance will pay for most medical and hospital costs for you, your passengers, and anyone else injured in an accident. One policy coverage, liability insurance, also covers legal expenses if you are sued as the result of an accident. If your Cadillac gets damaged, collision and comprehensive coverages will cover the damage repairs after a deductible is paid.
The benefits of buying enough insurance definitely exceed the cost, particularly for liability claims. Today the average American driver is wasting up to $800 each year so you should quote and compare rates at least once a year to help ensure money is not being wasted.
Auto insurance statistics for a Cadillac CTS
The price information displayed next showcases detailed analysis of insurance costs for Cadillac CTS models. Having knowledge of how insurance premiums are formulated is important for drivers to make smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CTS AWD | $180 | $338 | $310 | $18 | $92 | $938 | $78 |
| CTS | $180 | $338 | $310 | $18 | $92 | $938 | $78 |
| CTS Luxury AWD | $180 | $390 | $310 | $18 | $92 | $990 | $83 |
| CTS Performance AWD | $180 | $390 | $310 | $18 | $92 | $990 | $83 |
| CTS Luxury | $180 | $390 | $310 | $18 | $92 | $990 | $83 |
| CTS Performance | $180 | $390 | $310 | $18 | $92 | $990 | $83 |
| CTS Sport | $180 | $390 | $310 | $18 | $92 | $990 | $83 |
| CTS Premium | $200 | $390 | $310 | $18 | $92 | $1,010 | $84 |
| CTS Premium AWD | $200 | $390 | $310 | $18 | $92 | $1,010 | $84 |
| Get Your Own Customized Quote Go | |||||||
Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Information does not factor in garaging location in Philadelphia which can modify premiums noticeably.
Raise deductibles and save
One of the more difficult decisions when buying auto insurance is how high should the deductibles for physical damage be. The following insurance rates may help to illustrate how much more rates are when you buy lower versus higher physical damage deductibles. The first data set uses a $100 deductible for comprehensive and collision coverage and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CTS AWD | $320 | $602 | $330 | $20 | $98 | $1,395 | $116 |
| CTS | $320 | $602 | $330 | $20 | $98 | $1,395 | $116 |
| CTS Luxury AWD | $320 | $694 | $330 | $20 | $98 | $1,487 | $124 |
| CTS Performance AWD | $320 | $694 | $330 | $20 | $98 | $1,487 | $124 |
| CTS Luxury | $320 | $694 | $330 | $20 | $98 | $1,487 | $124 |
| CTS Performance | $320 | $694 | $330 | $20 | $98 | $1,487 | $124 |
| CTS Sport | $320 | $694 | $330 | $20 | $98 | $1,487 | $124 |
| CTS Premium | $356 | $694 | $330 | $20 | $98 | $1,523 | $127 |
| CTS Premium AWD | $356 | $694 | $330 | $20 | $98 | $1,523 | $127 |
| Get Your Own Customized Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CTS AWD | $234 | $408 | $330 | $20 | $98 | $1,090 | $91 |
| CTS | $234 | $408 | $330 | $20 | $98 | $1,090 | $91 |
| CTS Luxury AWD | $234 | $468 | $330 | $20 | $98 | $1,150 | $96 |
| CTS Performance AWD | $234 | $468 | $330 | $20 | $98 | $1,150 | $96 |
| CTS Luxury | $234 | $468 | $330 | $20 | $98 | $1,150 | $96 |
| CTS Performance | $234 | $468 | $330 | $20 | $98 | $1,150 | $96 |
| CTS Sport | $234 | $468 | $330 | $20 | $98 | $1,150 | $96 |
| CTS Premium | $260 | $468 | $330 | $20 | $98 | $1,176 | $98 |
| CTS Premium AWD | $260 | $468 | $330 | $20 | $98 | $1,176 | $98 |
| Get Your Own Customized Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Rates do not factor in specific garaging location which can lower or raise insurance rates greatly.
Using the premium rates above, we can conclude that using a $100 deductible costs about $28 more each month or $336 a year than selecting the higher $500 deductible. Since you would have to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you normally go at a minimum 14 months between claims, you would save money going with the higher deductible. The table below illustrates an example of how this determination is made.
| Average monthly premium for $100 deductibles: | $123 |
| Average monthly premium for $500 deductibles (subtract): | – $95 |
| Monthly savings from raising deductible: | $28 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $28 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 14 months |
One big caveat is that a higher deductible means you will have to cover more of the damage yourself when you have a claim. You need enough extra money in the event you have to pay the deductible for vehicle repair.
The diagram below highlights how deductible choice and can raise or lower Cadillac CTS insurance premiums for different insured age categories. The rates are based on a married male driver, full physical damage coverage, and no additional discounts are factored in.
Auto insurance premiums based on gender
The diagram below compares Cadillac CTS yearly insurance costs for male and female drivers. The costs are based on no claims or driving citations, comp and collision included, $1,000 deductibles, single marital status, and no additional discounts are factored in.
Insurance discounts are available to lower rates
Car insurance companies do not list every available discount in an easy-to-find place, so we break down a few of the more common and also the more inconspicuous discounts you could be receiving when you buy Philadelphia auto insurance online.
- Low Miles Discount – Keeping the miles down on your Cadillac could earn lower insurance rates on the low mileage vehicles.
- ABS Brakes – Vehicles that have steering control and anti-lock brakes can avoid accidents and the ABS can save up to 10%.
- E-sign Discounts – Some of the larger companies will provide an incentive shop Philadelphia auto insurance digitally online.
- Multiple Cars – Purchasing coverage when you have primary and secondary vehicles with the same insurance company can get a discount on all vehicles.
- Driving Data Discount – Insureds who allow their insurance company to look at driving habits through the use of a telematics system such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts if their driving habits are good.
- Active Service Discounts – Being deployed with a military unit may lower your rates slightly.
- No Claim Discounts – Good drivers with no accidents pay much less as compared to drivers who are more careless.
- Good Drivers – Accident-free drivers may receive a discount up to 45% compared to accident prone drivers.
- Pay Early and Save – By making one initial payment rather than paying monthly you could save up to 5%.
- Employee of Federal Government – Simply working for the federal government can earn a discount up to 10% with some insurance companies.
Please keep in mind that most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. Even though it appears all the discounts add up to a free policy, it’s just not the way it works. But any discount will positively reduce the cost of your policy.
The diagram below visualizes the comparison of Cadillac CTS car insurance costs with and without discounts applied to the policy rates. The premiums assume a male driver, no accidents, no driving violations, Pennsylvania state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, claim-free, homeowner, multi-car, and marriage discounts applied.
If you would like to view insurance companies with significant discounts in Pennsylvania, click this link.
Local Philadelphia insurance agencies
Some people just prefer to get advice from a local agent and that is a smart decision Experienced insurance agents can help you build your policy and help in the event of a claim. The biggest benefit of getting online price quotes is the fact that you can find cheap auto insurance rates and also buy local.
By using this short form, the quote information is transmitted to participating agents in Philadelphia who will give competitive quotes for your coverage. You won’t even need to even leave your home because prices are sent immediately to your email address. If you need to get a price quote from a specific company, you just need to visit that company’s website to submit a rate quote request.
Finding the right company needs to be determined by more than just a low price. Any agent in Philadelphia should be forthright in answering these questions:
- Which companies do they recommend if they are an independent agency?
- What insurance company do they write the most business with?
- Is the agent and/or agency licensed to do business in Pennsylvania?
- Is working in the agency their full-time job?
- Are all drivers listed on the coverage quote?
- Does the company have a solid financial rating?
- Does the agency support the community they serve?
If you are searching for a good insurance agency, there are two different agency structures and how they operate. Auto insurance agencies are considered either exclusive or independent agents depending on their company appointments. Both types can properly insure your vehicles, but it’s important to know the difference in the companies they write for since it can impact which type of agent you select.
Exclusive Agencies
Exclusive agencies can only provide pricing for a single company and examples are American Family, State Farm, and Allstate. They generally cannot give you multiple price quotes so they have no alternatives for high prices. Exclusive agencies receive extensive training on the products they sell and that can be a competitive advantage. Some consumers prefer to use the same agent partially due to the prominence of the brand rather than having low rates.
Listed below are Philadelphia exclusive insurance agencies that can give you price quote information.
- Joe Ems – State Farm Insurance Agent
7348 Frankford Ave – Philadelphia, PA 19136 – (215) 333-5100 – View Map - Jerry Gregory – State Farm Insurance Agent
2999 Welsh Rd – Philadelphia, PA 19152 – (215) 338-3313 – View Map - Steven Breinlinger – State Farm Insurance Agent
7904 Germantown Ave – Philadelphia, PA 19118 – (267) 323-2923 – View Map
Independent Auto Insurance Agencies
These agents can quote rates with many companies so they can write business through many companies and help determine which has the cheapest rates. If prices rise, your agent can just switch to a different company which is easy for the insured.
When searching for an agent, we highly recommend that you compare prices from a couple of independent agencies to get the most accurate price comparison. They also have the ability to place coverage with smaller regional carriers who may have lower rates.
Listed below are independent agents in Philadelphia willing to provide rate quotes.
- Martin Insurance
5700 Delancey St – Philadelphia, PA 19143 – (215) 471-6860 – View Map - Pa Auto Insurance Outlet
4901 Frankford Ave – Philadelphia, PA 19124 – (215) 827-0800 – View Map - Philadelphia Insurance Companies
231 St Asaphs Rd #100 – Bala Cynwyd, PA 19004 – (610) 617-7900 – View Map
When in doubt talk to an agent
When quoting and choosing insurance from an agent or online for your vehicles, there really is not a best way to insure your cars. Each situation is unique and your insurance should unique, too.
For example, these questions may help you determine whether or not you might need an agent’s assistance.
- Does coverage extend to Mexico or Canada?
- Do I have coverage when using my vehicle for my home business?
- What discounts do I qualify for?
- What if I total my Cadillac CTS and owe more than it’s worth?
- Should I put collision coverage on all my vehicles?
- Should I buy additional glass protection?
- Does liability extend to a camper or trailer?
If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.
Auto insurance coverage considerations
Having a good grasp of your auto insurance policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages offered by auto insurance companies.
Collision coverage
This coverage covers damage to your CTS resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers claims like sustaining damage from a pot hole, scraping a guard rail, rolling your car and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible on your CTS to get cheaper collision coverage.
Auto liability
This coverage protects you from damage or injury you incur to other’s property or people that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 15/30/5 which means $15,000 bodily injury coverage, $30,000 for the entire accident, and property damage coverage for $5,000.
Liability can pay for claims such as pain and suffering, funeral expenses and medical expenses. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible. Pennsylvania requires minimum liability limits of 15/30/5 but it’s recommended drivers buy better liability coverage.
The illustration below demonstrates why buying the state minimum limits may not be high enough to cover claims.
Comprehensive coverage
Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things such as damage from a tornado or hurricane, damage from flooding and theft. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Medical payments coverage and PIP
Med pay and PIP coverage pay for immediate expenses for things like hospital visits, prosthetic devices, rehabilitation expenses, dental work and EMT expenses. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible
Uninsured/Underinsured Motorist coverage
Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Cadillac CTS.
Since a lot of drivers only carry the minimum required liability limits (Pennsylvania limits are 15/30/5), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Keep this in mind when shopping around
Lower-priced Cadillac CTS insurance in Philadelphia is available both online and from local insurance agents, so you need to shop Philadelphia auto insurance with both to have the best rate selection. A few companies do not offer the ability to get quotes online and these smaller providers provide coverage only through independent insurance agents.
As you shop your coverage around, it’s not a good idea to skimp on coverage in order to save money. Too many times, an insured dropped uninsured motorist or liability limits only to discover later they didn’t have enough coverage. Your goal is to find the BEST coverage at the best price but still have enough coverage for asset protection.
Helpful articles
- Tools for Teen Driving Safety (State Farm)
- Who Has Cheap Philadelphia Car Insurance with Multiple Speeding Tickets? (FAQ)
- How Much is Auto Insurance for Teenage Females in Philadelphia? (FAQ)
- How Much are Car Insurance Rates for Teenagers in Philadelphia? (FAQ)
- How Much are Car Insurance Quotes for a Dodge Journey in Philadelphia? (FAQ)
- Reducing Your Risks in a Car Crash Video (iihs.org)
- Safe Vehicles for Teens (iihs.org)
- Teen Driver Statistics (Insurance Information Institute)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)