Affordable Rates for Cadillac CTS Insurance in Tucson

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Insurance for Cadillac CTSThe best way to find affordable quotes for Cadillac CTS insurance in Tucson is to annually compare prices from insurance carriers who provide car insurance in Arizona.

  1. Read about auto insurance and the modifications you can make to prevent expensive coverage. Many things that result in higher rates such as traffic violations and a negative credit rating can be improved by making lifestyle changes or driving safer.
  2. Compare rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from one company like Progressive or Allstate, while agents who are independent can provide price quotes from many different companies. View prices
  3. Compare the new rate quotes to your current policy to see if a cheaper price is available in Tucson. If you find a lower rate quote, make sure there is no lapse in coverage.
  4. Notify your current company of your intent to cancel your current policy and submit a down payment along with a completed application to your new agent or company. Once the paperwork is finalized, safely store the proof of insurance certificate in an accessible location in your vehicle.

The most important part of this process is to use identical deductibles and limits on every quote and and to get quotes from every company you can. This ensures an accurate price comparison and plenty of rates choose from.

Unfortunately, the vast majority of auto insurance customers have purchased from the same company for over three years, and about 40% of consumers have never shopped around. Many consumers in Arizona can save hundreds of dollars each year, but they just assume it's a time-consuming process to compare other rate quotes.

The majority of larger companies allow you to get prices on their websites. Comparing prices online for Cadillac CTS insurance in Tucson is possible for anyone because it's just a matter of typing in the coverages you want on the page. After you complete the form, the system requests information on your driving record and credit history and gives you a price quote based on these and other factors. This makes it simple to compare prices and it's absolutely necessary to have as many quotes as possible if you want to get the cheapest possible prices on auto insurance.

To find out if lower rates are available, check out the auto insurance providers below. If you have your current policy handy, we recommend you enter the insurance coverages as shown on your current policy. Doing this assures you are getting a price comparison for exact coverage.

The providers in the list below provide price quotes in Arizona. If your goal is to find cheap auto insurance in Tucson, we recommend you get rate quotes from several of them in order to get a fair rate comparison.

Statistics and details

The premium table below outlines detailed analysis of prices for Cadillac CTS models. Having knowledge of how auto insurance premiums are formulated is important for drivers to make informed decisions.

Cadillac CTS Insurance Rates in Tucson, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CTS AWD $156 $284 $306 $18 $92 $856 $71
CTS $156 $284 $306 $18 $92 $856 $71
CTS Luxury AWD $156 $326 $306 $18 $92 $898 $75
CTS Performance AWD $156 $326 $306 $18 $92 $898 $75
CTS Luxury $156 $326 $306 $18 $92 $898 $75
CTS Performance $156 $326 $306 $18 $92 $898 $75
CTS Sport $156 $326 $306 $18 $92 $898 $75
CTS Premium $174 $326 $306 $18 $92 $916 $76
CTS Premium AWD $174 $326 $306 $18 $92 $916 $76
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Data variables include married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Premium amounts do not factor in specific location information which can lower or raise coverage prices significantly.

Rate comparison for different deductibles

When shopping for auto insurance, a common question is at what level do you set your deductibles. The figures shown below can help you understand the rate fluctuation when you choose different physical damage deductibles. The first table uses a $100 deductible for comprehensive and collision coverage and the second rate chart uses a $500 deductible.

Cadillac CTS insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CTS AWD $292 $548 $300 $18 $90 $1,273 $106
CTS $292 $548 $300 $18 $90 $1,273 $106
CTS Luxury AWD $292 $632 $300 $18 $90 $1,357 $113
CTS Performance AWD $292 $632 $300 $18 $90 $1,357 $113
CTS Luxury $292 $632 $300 $18 $90 $1,357 $113
CTS Performance $292 $632 $300 $18 $90 $1,357 $113
CTS Sport $292 $632 $300 $18 $90 $1,357 $113
CTS Premium $324 $632 $300 $18 $90 $1,389 $116
CTS Premium AWD $324 $632 $300 $18 $90 $1,389 $116
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Cadillac CTS insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CTS AWD $212 $370 $300 $18 $90 $990 $83
CTS $212 $370 $300 $18 $90 $990 $83
CTS Luxury AWD $212 $428 $300 $18 $90 $1,048 $87
CTS Performance AWD $212 $428 $300 $18 $90 $1,048 $87
CTS Luxury $212 $428 $300 $18 $90 $1,048 $87
CTS Performance $212 $428 $300 $18 $90 $1,048 $87
CTS Sport $212 $428 $300 $18 $90 $1,048 $87
CTS Premium $236 $428 $300 $18 $90 $1,072 $89
CTS Premium AWD $236 $428 $300 $18 $90 $1,072 $89
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Price estimates do not factor in vehicle garaging location which can affect coverage prices considerably.

Based on the figures above, using a $100 deductible will cost you about $25 more each month or $300 annually 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 have at least 16 months between claims, you would probably come out ahead by going with a higher deductible.

The example below demonstrates how deductible levels and can increase or decrease Cadillac CTS annual premium costs for each different age category. The premiums are based on a married female driver, comp and collision included, and no discounts are applied to the premium.

Violations and accidents raise rates

The chart below illustrates how violations and at-fault fender-benders impact Cadillac CTS annual premium costs for each age group. The data assumes a single male driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.

Local Tucson car insurance agents and car insurance

A small number of people still prefer to sit down with an agent and doing so can bring peace of mind Good insurance agents can answer important questions and help in the event of a claim. One of the best bonuses of comparing car insurance online is the fact that you can find cheap car insurance rates but still work with a licensed agent.

Insurance agents in TucsonTo make it easy to find an agent, after completing this quick form, your insurance coverage information is immediately sent to participating agents in Tucson that can give you free Tucson car insurance quotes and help you find cheaper coverage. You won't need to find an agent on your own as quotes are delivered directly to you. If you wish to quote rates from a specific company, just go to their quote page and fill out the quote form the provide.

Finding the right provider is decision based upon more than just the bottom line cost. These are valid questions to ask:

  • Will their companies depreciate repairs to your car based on the mileage?
  • Is the coverage adequate for your vehicle?
  • Do they have a Better Business Bureau rating in Tucson?
  • How long have they worked with personal auto insurance coverage?
  • How would your car be valued if totaled?
  • Can you choose the body shop in case repairs are needed?

If you need to find a good Tucson insurance agent, it's important to understand the types of agencies that you can choose from. Car insurance agents can be described as either exclusive or independent. Either type can handle car insurance, but it's a good idea to understand the differences since it can impact your agent selection.

Exclusive Insurance Agencies

Agents that elect to be exclusive can only write with one company like Farmers Insurance, Allstate, or State Farm. Exclusive agents are unable to place coverage with different providers so they have to upsell other benefits. Exclusive insurance agents are well schooled in insurance sales which helps them sell on service rather than price.

Below are exclusive insurance agents in Tucson willing to provide rate quotes.

2050 E Speedway Blvd - Tucson, AZ 85719 - (520) 323-9467 - View Map

1101 S Sherwood Village Dr - Tucson, AZ 85710 - (520) 546-8877 - View Map

3400 E Speedway Blvd Ste 202 - Tucson, AZ 85716 - (520) 318-1775 - View Map

More Tucson agents

Independent Agents (or Brokers)

Agents that elect to be independent often have many company appointments so as a result can place your coverage with lots of companies and potentially find a lower price. If you want to switch companies, the agent simply finds a different carrier and the insured can keep the same agent.

When comparing rates, we recommend you get rate quotes from independent agents to ensure the widest selection of prices.

The following are Tucson independent insurance agents who can help you get rate quotes.

2725 E Broadway Blvd - Tucson, AZ 85716 - (520) 795-7737 - View Map

1809 S 6th Ave - Tucson, AZ 85713 - (520) 884-8488 - View Map

7670 E Broadway Blvd #250 - Tucson, AZ 85710 - (520) 296-7881 - View Map

More Tucson agents

Car insurance companies ranked

Ending up with the highest-rated auto insurance company can be rather challenging considering how many choices there are in Tucson. The company information below can help you analyze which auto insurers to look at purchasing from.

Top Car Insurance Companies in Tucson
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies