Would you like to save money by finding low-cost Cadillac CTS insurance in Aurora? I really doubt anyone fancies paying their premiums for car insurance, especially when they know the price is too high.

Discount Cadillac CTS insuranceAmazingly, the vast majority of consumers have remained with the same car insurance company for more than four years, and virtually 40% of consumers have never quoted car insurance rates at all. Many consumers in Colorado could save almost $610 every year by just comparing quotes, but they don't believe the amount of money they would save if they switched.

With vehicle owners having so many online and local companies to choose from, it is hard for the average consumer to pick the most cost effective company.

It's smart to do price comparisons yearly because car insurance prices are variable and change quite frequently. Even if you think you had the best rate on Cadillac CTS insurance in Aurora six months ago you will most likely find a better premium rate today. You'll find quite a bit of inaccurate information about CTS insurance out there, but in just a couple of minutes you can learn some proven techniques to lower your car insurance premiums.

Low-cost car insurance in Aurora, CO

The following companies are ready to provide price quotes in Aurora, CO. If several companies are displayed, we suggest you visit two to three different companies in order to get a fair rate comparison.

Cadillac CTS Insurance Rates in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CTS AWD $264 $528 $368 $22 $110 $1,292 $108
CTS $190 $340 $352 $20 $106 $1,008 $84
CTS Luxury AWD $146 $324 $330 $20 $98 $918 $77
CTS Performance AWD $226 $460 $362 $22 $108 $1,178 $98
CTS Luxury $340 $764 $474 $28 $142 $1,748 $146
CTS Performance $300 $714 $426 $26 $128 $1,594 $133
CTS Sport $214 $490 $368 $22 $110 $1,204 $100
CTS Premium $266 $528 $338 $20 $100 $1,252 $104
CTS Premium AWD $390 $620 $460 $28 $138 $1,636 $136
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Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Rates do not factor in garaging location in Aurora which can modify prices considerably.

Deductible analysis

When buying auto insurance, a common question is how high should the physical damage deductibles be. The rates below highlight the premium difference when you buy lower versus higher insurance deductibles. The first set of rates uses a $250 deductible for physical damage and the second data table uses a $1,000 deductible.

Cadillac CTS insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CTS AWD $306 $538 $352 $20 $106 $1,347 $112
CTS $306 $538 $352 $20 $106 $1,347 $112
CTS Luxury AWD $306 $620 $352 $20 $106 $1,429 $119
CTS Performance AWD $306 $620 $352 $20 $106 $1,429 $119
CTS Luxury $306 $620 $352 $20 $106 $1,429 $119
CTS Performance $306 $620 $352 $20 $106 $1,429 $119
CTS Sport $306 $620 $352 $20 $106 $1,429 $119
CTS Premium $342 $620 $352 $20 $106 $1,465 $122
CTS Premium AWD $342 $620 $352 $20 $106 $1,465 $122
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Cadillac CTS insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CTS AWD $190 $340 $352 $20 $106 $1,008 $84
CTS $190 $340 $352 $20 $106 $1,008 $84
CTS Luxury AWD $190 $390 $352 $20 $106 $1,058 $88
CTS Performance AWD $190 $390 $352 $20 $106 $1,058 $88
CTS Luxury $190 $390 $352 $20 $106 $1,058 $88
CTS Performance $190 $390 $352 $20 $106 $1,058 $88
CTS Sport $190 $390 $352 $20 $106 $1,058 $88
CTS Premium $210 $390 $352 $20 $106 $1,078 $90
CTS Premium AWD $210 $390 $352 $20 $106 $1,078 $90
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Price information does not factor in vehicle location which can impact premiums substantially.

We can derive from the above data that using a $250 deductible could cost the average driver approximately $30 more each month or $360 annually than buying the higher $1,000 deductible. Since you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have more than 25 months between claims, you would save more money by going with a higher deductible. The table below illustrates how you can do this calculation yourself.

Average monthly premium for $250 deductibles: $118
Average monthly premium for $1,000 deductibles (subtract): - $88
Monthly savings from raising deductible: $30
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $30
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 25 months

Deductible analysis

The example below shows how choosing a deductible and can influence Cadillac CTS premium costs for different age categories. The premium estimates are based on a married female driver, full physical damage coverage, and no other discounts are factored in.

Auto insurance policy discounts for Cadillac CTS insurance in Aurora

Companies offering auto insurance do not advertise the entire discount list very clearly, so the following is a list of some of the best known and the harder-to-find credits that may apply to you.

As is typical with insurance, some of the credits will not apply to the entire cost. A few only apply to individual premiums such as comp or med pay. So even though it sounds like you can get free auto insurance, company stockholders wouldn't be very happy. But all discounts should help lower your overall premium however.

Companies who might offer many of the previously listed discounts possibly include:

If you want low cost Aurora car insurance quotes, ask all the companies which discounts you qualify for. Some of the discounts discussed earlier may not be available in Aurora. If you would like to choose from a list of insurance companies who offer cheap Cadillac CTS insurance quotes in Aurora, click this link.

Car insurance is unique, just like you

When buying the best car insurance coverage, there really isn't a cookie cutter policy. Every situation is different.

For instance, these questions can help discover whether or not you might need an agent's assistance.

If you don't know the answers to these questions, you may need to chat with an agent. To find an agent in your area, simply complete this short form.

Compare rate quotes but buy from a local Aurora insurance agency

A small number of people would prefer to talk to an insurance agent and that is a personal choice. A nice benefit of price shopping on the web is that drivers can save money and get cheap car insurance rates and also buy local. Buying from small agencies is important particularly in Aurora.

After filling out this quick form, your insurance coverage information is immediately sent to local insurance agents in Aurora who will give you quotes for your car insurance coverage. You won't even need to leave your computer due to the fact that quote results will go directly to your email. You'll get the best rates without the usual hassles of price shopping. If you wish to quote rates from a particular provider, you just need to jump over to their website and fill out their quote form.

Do you need an independent or exclusive car insurance agent?

If you want to use a good Aurora insurance agent, it can be helpful to understand the different types of agencies and how they can service your needs differently. Car insurance policy providers can be classified as either independent agents or exclusive agents.

Independent Insurance Agents

Independent agents can sell policies from many different companies and that allows them to write policies with a variety of different insurance companies and get the cheapest rates. If your agent finds better pricing, an independent agent can move your coverage and that require little work on your part. When comparing car insurance prices, we highly recommend that you include rate quotes from a few independent agents to maximize your price options.

Featured below is a small list of independent agencies in Aurora that can possibly get you rate quotes.

A All City Auto Insurance
9720 E Colfax Ave - Aurora, CO 80010 - (303) 364-0555 - View Map

2228 S Fraser St #2 - Aurora, CO 80014 - (303) 693-9343 - View Map

13693 E Iliff Ave - Aurora, CO 80014 - (303) 755-8600 - View Map

More Aurora agents

Exclusive Car Insurance Agents

These agents work for only one company and examples are American Family, State Farm, and Allstate. Exclusive agents are unable to compare rates from other companies so if the price isn't competitive there isn't much they can do. They are highly trained on their company's products which helps them compete with independent agents.

Shown below is a list of exclusive agencies in Aurora who can help you get rate quotes.

6820 S Liverpool St d - Aurora, CO 80016 - (303) 676-8071 - View Map

6155 S Main St #240 - Aurora, CO 80016 - (303) 680-7777 - View Map

14221 E 4th Ave #100 - Aurora, CO 80011 - (303) 366-7101 - View Map

More Aurora agents

Choosing the best auto insurance agent needs to be determined by more than just a cheap price quote. You should also get answers to these questions.

In Summary

Insureds change insurance companies for many reasons like delays in responding to claim requests, policy non-renewal, extreme rates for teen drivers or high prices. It doesn't matter what your reason, finding a new car insurance company is pretty easy and you might even save some money in the process.

As you go through the steps to switch your coverage, it's not a good idea to skimp on coverage in order to save money. Too many times, drivers have reduced physical damage coverage only to regret that their decision to reduce coverage ended up costing them more. Your objective should be to get the best coverage possible at the best possible price and still be able to protect your assets.

We just covered some good ideas how you can find cheap Cadillac CTS insurance in Aurora. The most important thing to understand is the more rate quotes you have, the higher your chance of finding affordable Cadillac CTS insurance quotes. Drivers may even discover the lowest rates are with a smaller regional carrier.

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