How many times have you put off comparing quotes for more affordable car insurance rates in Denver, CO? Denver buyers have a choice when searching for low-cost Cadillac CTS insurance. You can either waste hours driving around to get rate comparisons or use the internet to get rate quotes.
There are more efficient ways to shop for car insurance so we're going to tell you the absolute fastest way to price shop coverage for a Cadillac and find the cheapest rates from both online companies and Denver agents.
If you are already insured or need a new policy, use these cost-cutting techniques to shop for the lowest rates without sacrificing coverage. The intent of this article is to teach you a little about the best way to buy inexpensive insurance and how you can save the most money. You just have to understand the least time-consuming way to quote multiple rates from many companies at once.
Lower-cost Cadillac CTS insurance in Denver
The cost of insuring your cars can be expensive, but there could be available discounts that can drop the cost substantially. Many discounts should be triggered at the time of purchase, but a few must be asked about prior to getting the savings.
- Sign Online - A few insurance companies will give you a small discount for buying your policy online.
- Professional Organizations - Participating in certain professional organizations could qualify you for a break on your next insurance statement.
- Early Switch Discount - Some larger companies reward drivers for switching companies prior to your current CTS insurance policy expiring. Ten percent is about the average savings.
- Discounts for Federal Employees - Simply working for the federal government may reduce rates when you quote Denver auto insurance with a few insurance companies.
- Discounts for Multiple Vehicles - Buying coverage for multiple cars on one policy could earn a price break for each car.
Just know that most discounts do not apply to the entire policy premium. Most cut the cost of specific coverages such as medical payments or collision. So even though it sounds like you would end up receiving a 100% discount, it's just not the way it works. But all discounts will bring down the cost of coverage.
Some of the larger companies who may offer these money-saving discounts possibly include:
Before you buy a policy, ask every prospective company which discounts they offer. Some discounts might not be available to policyholders in every state.
How to buy Denver Cadillac CTS insurance online
All major auto insurance companies like GEICO, State Farm and Progressive provide price estimates from their websites. Getting quotes for Cadillac CTS insurance in Denver doesn't take much effort because you just enter your required coverages as requested by the quote form. Upon sending the form, their quoting system sends out for reports for credit and driving violations and returns a price quote.
Being able to quote online for Cadillac CTS insurance in Denver helps simplify price comparisons, and it's very important to do this if you want to find the lowest payment.
To compare pricing, compare rates now from the companies shown below. To compare your current rates, we recommend you enter your coverages just like they are on your policy. This helps ensure you're receiving a fair comparison based on the exact same insurance coverage.
The companies shown below provide price comparisons in Denver, CO. If the list has multiple companies, we recommend you click on several of them to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|CTS Luxury AWD||$184||$382||$358||$22||$108||$1,054||$88|
|CTS Performance AWD||$278||$570||$362||$22||$108||$1,340||$112|
|CTS Premium AWD||$266||$566||$456||$28||$136||$1,452||$121|
|Get Your Own Custom Quote Go|
Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Table data does not factor in vehicle location which can alter price quotes considerably.
Rate increases following a ticket or accident
The illustration below demonstrates how citations and accident claims can raise Cadillac CTS car insurance costs for different age groups. The premiums are based on a single female driver, full coverage, $500 deductibles, and no additional discounts are factored in.
Get rate quotes but buy from a local Denver insurance agent
Some consumers still prefer to talk to an insurance agent and that is not a bad decision Professional agents can make sure you are properly covered and help you file claims. The biggest benefit of comparing rate quotes online is the fact that drivers can get better rates and still have a local agent. Supporting local agents is definitely important in Denver.
To find an agent, once you fill out this simple form, the coverage information is transmitted to agents in your area who want to provide quotes for your business. You don't have to search for an agent as quotes are delivered straight to your inbox. If you need to compare rates from a specific insurance company, feel free to find their quoting web page and submit a quote form there.
Choose the right auto insurance agent
If you are wanting to find a local agent, you should know the different types of agencies and how they are distinctly different. Auto insurance agencies are either independent or exclusive. Both can sell auto insurance policies, but it is important to understand the difference in how they write coverage because it can influence which agent you choose.
Independent Auto Insurance Agents (or Brokers)
These type of agents do not have single company limitations and that allows them to write policies with any number of different companies and get the cheapest rates. If premiums increase, your agent can just switch to a different company and that require little work on your part.
When shopping rates, it's a good idea to contact independent agents so that you have a good selection of quotes to compare. They often place coverage with smaller mutual companies that may have much lower rates than larger companies.
Featured below is a partial list of independent insurance agents in Denver that may be able to give rate quotes.
- Sorhage and James Insurance
1660 S Albion St # 1005 - Denver, CO 80222 - (303) 759-4551 - View Map
- Moschetti Michael - Isu Insurance Svc Of Co
950 17th St #1000 - Denver, CO 80202 - (303) 534-2133 - View Map
- Alliance General Insurance Agency
2696 CO-2 - Denver, CO 80222 - (303) 377-1172 - View Map
Agents that choose to be exclusive work for only one company such as State Farm, Allstate, or Farmers Insurance. Exclusive agencies are unable to provide other company's prices so it's a take it or leave it situation. These agents receive a lot of sales training on what they offer which helps offset the inability to provide other markets. Some insured continue to purchase coverage from exclusives mainly due to the prominent brand name rather than having the cheapest rates.
Shown below are exclusive agents in Denver who can help you get comparison quotes.
- Hiram Licea - State Farm Insurance Agent
3600 Morrison Rd - Denver, CO 80219 - (303) 935-7475 - View Map
- Farmers Insurance - Angel Le
1145 S Federal Blvd - Denver, CO 80219 - (303) 975-8911 - View Map
- Kelly Wells - State Farm Insurance Agent
1855 S Pearl St Ste 100 - Denver, CO 80210 - (303) 862-4579 - View Map
Deciding on an insurance agency is decision based upon more than just the quoted price. Here are some questions you might want to ask.
- How long have they worked with personal auto insurance coverage?
- Do they reduce claim amounts on high mileage vehicles?
- Can you contact them at any time?
- Does the agent have a valid license to sell insurance in Colorado?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
Auto insurance policy specifics
Understanding the coverages of a auto insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement.
Med pay and Personal Injury Protection (PIP)
Coverage for medical payments and/or PIP kick in for expenses for things like dental work, X-ray expenses, EMT expenses, rehabilitation expenses and chiropractic care. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage
Collision coverage pays for damage to your CTS caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.
Collision can pay for things like backing into a parked car, sideswiping another vehicle, scraping a guard rail, rolling your car and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible on your CTS to get cheaper collision coverage.
This pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things such as falling objects, a tree branch falling on your vehicle, theft and damage from flooding. The maximum payout 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 consider dropping full coverage.
Liability car insurance
Liability coverage can cover damages or injuries you inflict on people or other property. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/15 which means $25,000 in coverage for each person's injuries, a per accident bodily injury limit of $50,000, and a total limit of $15,000 for damage to vehicles and property. Occasionally you may see a combined limit which provides one coverage limit with no separate limits for injury or property damage.
Liability can pay for things like structural damage, bail bonds, pain and suffering, legal defense fees and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but it's cheap coverage so purchase as much as you can afford. Colorado requires drivers to carry at least 25/50/15 but it's recommended drivers buy higher limits.
Uninsured/Underinsured Motorist (UM/UIM)
Uninsured or Underinsured Motorist coverage protects you and your vehicle when the "other guys" do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Cadillac CTS.
Since many Colorado drivers only carry the minimum required liability limits (25/50/15 in Colorado), it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these coverages are set the same as your liability limits.
Affordable insurance rates are possible
When you buy Denver auto insurance online, you should never buy lower coverage limits just to save a few bucks. There are many occasions where an insured cut uninsured motorist or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy a smart amount of coverage at the lowest possible cost, but do not sacrifice coverage to save money.
Low-cost Cadillac CTS insurance in Denver is definitely available from both online companies in addition to many Denver insurance agents, and you should compare rates from both to get a complete price analysis. A few companies may not have the ability to get a quote online and most of the time these regional carriers prefer to sell through independent agencies.
Insureds switch companies for any number of reasons including questionable increases in premium, delays in responding to claim requests, high rates after DUI convictions and even policy cancellation. Regardless of your reason for switching companies, finding a new company is not as hard as you think.
Additional detailed information is available in the articles below:
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
- Who Has Affordable Colorado Car Insurance for Drivers Over Age 60? (FAQ)
- Who Has Affordable Auto Insurance Rates for Teachers in Colorado? (FAQ)
- How Much are Car Insurance Quotes for a School Permit in Colorado? (FAQ)
- Who Has Affordable Auto Insurance for Government Employees in Colorado? (FAQ)
- How Much are Auto Insurance Rates for a Ford Fusion in Colorado? (FAQ)
- How do I File a Claim? (Insurance Information Institute)
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Anti-Lock Brake FAQ (iihs.org)