Pricey Cadillac CTS insurance in Indianapolis can bleed your budget and possibly require you to analyze your spending habits. Comparing price quotes is a smart way to tighten up your finances.

Discount Cadillac CTS insuranceShockingly, the vast majority of drivers kept their coverage with the same insurance company for four years or more, and roughly 40% of drivers have never shopped around. Indianapolis drivers could pocket as much as $700 a year by just comparing rate quotes, but they just don't understand how easy it is to find lower-cost rates by getting comparison quotes.

Insurance companies such as State Farm, Allstate, GEICO and Progressive all promote huge savings with fancy advertisements and it is challenging if not impossible to see through the cute green geckos and mayhem and take the time to shop coverage around.

Companies offering cheap Cadillac CTS rate quotes in Indianapolis, IN

The providers in the list below can provide price quotes in Indiana. If multiple companies are listed, we suggest you get rate quotes from several of them to get a more complete price comparison.

Cadillac CTS Insurance Costs in Indianapolis, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CTS AWD $264 $504 $286 $16 $86 $1,156 $96
CTS $238 $422 $286 $16 $86 $1,048 $87
CTS Luxury AWD $172 $412 $318 $18 $94 $1,014 $85
CTS Performance AWD $272 $610 $380 $22 $114 $1,398 $117
CTS Luxury $116 $258 $264 $16 $80 $734 $61
CTS Performance $210 $510 $318 $18 $94 $1,150 $96
CTS Sport $168 $384 $380 $22 $114 $1,068 $89
CTS Premium $234 $510 $318 $18 $94 $1,174 $98
CTS Premium AWD $248 $456 $290 $18 $86 $1,098 $92
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Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Premium costs do not factor in specific garaging location which can decrease or increase coverage prices greatly.

Impact of violations and accidents on rates in Indianapolis

The information below demonstrates how citations and at-fault collisions raise Cadillac CTS auto insurance rates for different age categories. The premiums are based on a married male driver, full coverage, $250 deductibles, and no other discounts are factored in.

Physical damage deductibles

One of the hardest decisions when shopping for car insurance is how high should your deductibles be. The following insurance rates help summarize how much more you'll pay when you buy lower versus higher insurance deductibles. The first rate estimation uses a $250 comprehensive and collision deductible and the second pricing table uses a $500 deductible.

Cadillac CTS insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CTS AWD $244 $430 $280 $16 $84 $1,079 $90
CTS $244 $430 $280 $16 $84 $1,079 $90
CTS Luxury AWD $244 $496 $280 $16 $84 $1,145 $95
CTS Performance AWD $244 $496 $280 $16 $84 $1,145 $95
CTS Luxury $244 $496 $280 $16 $84 $1,145 $95
CTS Performance $244 $496 $280 $16 $84 $1,145 $95
CTS Sport $244 $496 $280 $16 $84 $1,145 $95
CTS Premium $272 $496 $280 $16 $84 $1,173 $98
CTS Premium AWD $272 $496 $280 $16 $84 $1,173 $98
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Cadillac CTS insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CTS AWD $200 $348 $280 $16 $84 $928 $77
CTS $200 $348 $280 $16 $84 $928 $77
CTS Luxury AWD $200 $400 $280 $16 $84 $980 $82
CTS Performance AWD $200 $400 $280 $16 $84 $980 $82
CTS Luxury $200 $400 $280 $16 $84 $980 $82
CTS Performance $200 $400 $280 $16 $84 $980 $82
CTS Sport $200 $400 $280 $16 $84 $980 $82
CTS Premium $222 $400 $280 $16 $84 $1,002 $84
CTS Premium AWD $222 $400 $280 $16 $84 $1,002 $84
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Information does not factor in specific Indianapolis garaging location which can lower or raise coverage prices noticeably.

Based on this data, we can arrive at the conclusion that using a $250 deductible would cost the average driver about $14 more each month or $168 each year than requesting the higher $500 deductible. Because you would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you average more than 18 months between claims, you would more than likely save some money going with the higher deductible.

Car insurance rates based on gender

The example below shows the difference between Cadillac CTS premium costs for male and female drivers. Data assumes no claims or violations, comp and collision included, $100 deductibles, single marital status, and no discounts are applied to the premium.

Do you qualify for discounts?

Some providers don't always list all possible discounts in a way that's easy to find, so below is a list a few of the more well known as well as some of the hidden discounts that you may qualify for. If you're not getting every credit possible, you are paying more than you should be.Discount insurance

Drivers should understand that some of the credits will not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like medical payments or collision. Even though it may seem like all those discounts means the company will pay you, it's just not the way it works.

A partial list of companies who may offer most of the discounts above are:

When getting a coverage quote, ask all the companies which discounts they offer. Some credits may not apply in your area.

What Determines Cadillac CTS Insurance Rates?

Consumers need to have an understanding of the rating factors that help determine car insurance rates. If you have a feel for what controls the rates you pay, this allows you to make good choices that will entitle you to big savings.

High comp and collision deductibles equal low rates - Physical damage deductibles are the amount of money the insured will be required to pay if a covered claim is submitted. Physical damage coverage, also called 'full coverage', protects your car from damage. Examples of covered claims are collision with another vehicle, vandalism, or theft of your vehicle. The higher the amount you pay before a claim is paid (deductible), the lower your rates will be.

Alarms and GPS tracking lower rates - Buying a car that has an advanced theft prevention system can help lower your rates. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.

Age of drivers - Beginning drivers in Indiana are proven to be careless and easily distracted when at the wheel of a vehicle and because of this, their car insurance rates are much higher. More experienced drivers are proven to be safer behind the wheel, cost insurance companies less in claims, and get fewer tickets.

Defend yourself with liability - The liability coverage on your policy will afford coverage when you are found to be at fault for damages caused by your negligence. This coverage provides legal defense which can cost thousands of dollars. Liability insurance is quite affordable when compared with rates for comp and collision, so buy as much as you can afford.

Bundle policies and save money - Most larger companies will give discounts to people who buy several policies from them in the form of a multi-policy discount. Even with this discount, you may still want to compare Cadillac CTS rates in Indianapolis to guarantee you are still saving the most.

Where you live plays a part - Residing in smaller towns and rural areas of the country is a good thing if you are looking for the lowest rates. Fewer drivers and short commutes means a lower chance of having an accident. People who live in big cities have to deal with much more traffic and more severe claims. More time commuting means a statistically higher chance of an accident.

Loss probability for a Cadillac CTS - Companies use claims history as a way to help calculate a profitable premium rate. Models that the data determines to have high amounts or severity of claims will have a higher cost to insure. The next table shows the insurance loss data for Cadillac CTS vehicles.

For each insurance policy coverage type, the claim amount for all vehicles, as an average, is considered to be 100. Numbers below 100 suggest losses that are better than average, while values that are above 100 indicate higher probability of having a loss or an increased probability of a larger loss.

Cadillac CTS Insurance Claim Statistics

Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Cadillac CTS 4dr 2WD 123 72 118 73
Cadillac CTS 4dr 4WD 127 75 98 75
Cadillac CTS-V 2dr 174 74 135

Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

It's not one size fits all

Always remember that when buying coverage online or from an agent, there isn't really a one size fits all plan. Each situation is unique so this has to be addressed.Higher deductibles save money For example, these questions could help you determine whether or not you might need an agent's assistance.

If you're not sure about those questions, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance companies in your area.

Comparing quotes from local Indianapolis auto insurance agents

Many drivers still like to sit down and talk to an agent and doing so can bring peace of mind One of the great benefits of getting free rate quotes online is that you can obtain better rates but still work with a licensed agent.

Find insurance agent in IndianapolisUpon completion of this short form, your insurance data is submitted to insurance agents in Indianapolis who can give free rate quotes to get your business. You won't need to visit any agencies as quotes are delivered to you. It's the lowest rates without requiring a lot of work. If you need to compare rates from one company in particular, just navigate to their website and complete a quote there.

Picking an provider is decision based upon more than just the bottom line cost. Any agent in Indianapolis should be forthright in answering these questions:

If you want a good Indianapolis insurance agent, it's important to understand the different types of agencies that differ in how they can insure your vehicles. Indianapolis agents are categorized either independent or exclusive depending on the company they work for.

Exclusive Car Insurance Agencies

Exclusive insurance agents write business for a single company like Farmers Insurance, American Family, State Farm and Allstate. Exclusive agents cannot compare other company's rates so they have to upsell other benefits. Exclusive agents are usually well trained in insurance sales which helps them compete with independent agents.

The following are exclusive agencies in Indianapolis who can help you get price quotes.

5685 Lafayette Rd #700 - Indianapolis, IN 46254 - (317) 387-9182 - View Map

303 N Alabama St #360 - Indianapolis, IN 46204 - (317) 687-0777 - View Map

3955 Eagle Creek Pkwy E - Indianapolis, IN 46254 - (317) 297-3804 - View Map

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Independent Car Insurance Agencies

Agents in the independent channel are appointed with more than one company so they have the ability to put coverage through many different car insurance companies enabling the ability to shop coverage around. If prices rise, your agent can switch companies and you don't have to do anything. When shopping rates, you need to include price quotes from independent agents to get the most accurate price comparison.

Below are Indianapolis independent agencies willing to provide rate quotes.

2425 N Meridian St - Indianapolis, IN 46208 - (317) 923-7722 - View Map

Indiana Discount Insurance
5502 N Keystone Ave - Indianapolis, IN 46220 - (317) 863-0349 - View Map

8365 Keystone Crossing #202 - Indianapolis, IN 46240 - (317) 334-3743 - View Map

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Once you have received positive responses to any questions you have and a good coverage price, you've probably found an auto insurance agent that meets the requirements to properly service your car insurance policy. It's important to know that you are able to cancel a policy whenever you wish so don't feel that you're stuck with your new company for the full term.

Insurance savings summarized

You just read a lot of information how to get a better price on Cadillac CTS insurance in Indianapolis. The key thing to remember is the more price quotes you have, the higher the chance of saving money. Consumers may even find the lowest priced insurance comes from some of the lesser-known companies. These companies may cover specific market segments cheaper as compared to the big name companies such as Progressive and GEICO.

Cheaper insurance in Indianapolis can be sourced both online and from local agencies, so you need to shop Indianapolis car insurance with both to have the best rate selection. There are still a few companies who don't offer online quoting and usually these smaller companies sell through independent insurance agencies.

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