Want to learn how to buy more affordable car insurance rates in Long Beach, CA? Long Beach consumers have many options when looking for the best price on Cadillac CTS insurance. They can either spend hours calling around to compare prices or utilize the internet to make rate comparisons. There are more efficient ways to find car insurance online so you’re going to learn the proper way to quote coverages for a new or used Cadillac and obtain the lowest price from both online companies and Long Beach agents.
It’s smart to compare prices quite often because car insurance prices trend upward over time. Despite the fact that you may have had the best deal on Cadillac CTS insurance in Long Beach a year ago there is a good chance you can find better rate quotes now. Ignore everything you know about car insurance because you’re going to learn the proper way to remove unneeded coverages and save money.
Low Cost companies for Cadillac CTS insurance in California
The following companies are our best choices to provide price quotes in California. If you want the best cheap car insurance in Long Beach, we suggest you visit as many as you can to get the best price comparison.
Cadillac CTS insurance rate analysis
The rate information shown below covers a range of insurance costs for Cadillac CTS models. Knowing how premiums are calculated helps drivers make smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CTS AWD | $242 | $454 | $416 | $24 | $124 | $1,260 | $105 |
| CTS | $242 | $454 | $416 | $24 | $124 | $1,260 | $105 |
| CTS Luxury AWD | $242 | $522 | $416 | $24 | $124 | $1,328 | $111 |
| CTS Performance AWD | $242 | $522 | $416 | $24 | $124 | $1,328 | $111 |
| CTS Luxury | $242 | $522 | $416 | $24 | $124 | $1,328 | $111 |
| CTS Performance | $242 | $522 | $416 | $24 | $124 | $1,328 | $111 |
| CTS Sport | $242 | $522 | $416 | $24 | $124 | $1,328 | $111 |
| CTS Premium | $268 | $522 | $416 | $24 | $124 | $1,354 | $113 |
| CTS Premium AWD | $268 | $522 | $416 | $24 | $124 | $1,354 | $113 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Rate information does not factor in specific garaging location which can alter insurance rates considerably.
Insurance deductibles
One of the most common insurance questions is where to set your physical damage deductibles. The data tables below approximate the difference in cost when you select higher and lower physical damage coverage deductibles. The first rate table uses a $250 physical damage coverage deductible and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CTS AWD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| CTS | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| CTS Luxury AWD | $386 | $780 | $442 | $26 | $132 | $1,791 | $149 |
| CTS Performance AWD | $386 | $780 | $442 | $26 | $132 | $1,791 | $149 |
| CTS Luxury | $386 | $780 | $442 | $26 | $132 | $1,791 | $149 |
| CTS Performance | $386 | $780 | $442 | $26 | $132 | $1,791 | $149 |
| CTS Sport | $386 | $780 | $442 | $26 | $132 | $1,791 | $149 |
| CTS Premium | $430 | $780 | $442 | $26 | $132 | $1,835 | $153 |
| CTS Premium AWD | $430 | $780 | $442 | $26 | $132 | $1,835 | $153 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CTS AWD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| CTS | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| CTS Luxury AWD | $238 | $490 | $442 | $26 | $132 | $1,328 | $111 |
| CTS Performance AWD | $238 | $490 | $442 | $26 | $132 | $1,328 | $111 |
| CTS Luxury | $238 | $490 | $442 | $26 | $132 | $1,328 | $111 |
| CTS Performance | $238 | $490 | $442 | $26 | $132 | $1,328 | $111 |
| CTS Sport | $238 | $490 | $442 | $26 | $132 | $1,328 | $111 |
| CTS Premium | $266 | $490 | $442 | $26 | $132 | $1,356 | $113 |
| CTS Premium AWD | $266 | $490 | $442 | $26 | $132 | $1,356 | $113 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Information does not factor in specific garaging location which can impact coverage prices significantly.
Based on the data above, we can derive that using a $250 deductible will cost you about $38 more each month or $456 every year across all Cadillac CTS models than requesting the higher $1,000 deductible. Because you would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at a minimum 20 months between claim filings, you would probably come out ahead by selecting a higher deductible.
Insurance rates are higher with tickets and accidents
The chart below demonstrates how traffic citations and at-fault fender-benders impact Cadillac CTS auto insurance costs for different ages of insureds. The premiums are based on a single female driver, full coverage, $500 deductibles, and no additional discounts are factored in.
Comparison of insurance rates by gender and age
The information below compares Cadillac CTS auto insurance costs for male and female drivers. The rates are based on no claims or driving violations, comp and collision included, $500 deductibles, marital status is single, and no discounts are taken into consideration.
Cadillac CTS liability rates compared to full coverage
The chart below illustrates the difference between Cadillac CTS car insurance rates with liability coverage only compared to full coverage. The premiums are based on no claims, a clean driving record, $100 deductibles, marital status is single, and no additional discounts are factored in.
When to drop comprehensive and collision coverage
There is no clear-cut rule to eliminate physical damage insurance, but there is a general school of thought. If the annual cost of having full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.
For example, let’s pretend your Cadillac CTS replacement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company will settle for is $6,000 after paying the physical damage deductible. If premiums are more than $600 annually for physical damage coverage, the it may be a good time to stop paying for full coverage.
There are some cases where removing full coverage is not financially feasible. If you still have a loan on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not buy liability only.
Cheaper rates with these seven discounts
Some insurers don’t necessarily list all available discounts very well, so we researched both the well known and also the more inconspicuous auto insurance savings. If you are not receiving all the discounts you qualify for, you may be paying too high a price.
- Multiple Vehicles – Buying coverage for multiple cars on the same auto insurance policy could earn a price break for each car.
- Bundle and Save – If you have multiple policies and insure them with the same company you could save over 10 percent off each policy depending on the company.
- Cautious Driver Discount – Safe drivers can pay as much as 50% less than their less cautious counterparts.
- Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a lower premium rate if you buy a life insurance policy as well.
- Accident Waiver – Not really a discount, but some insurance companies may permit one accident without getting socked with a rate hike if you have no claims for a particular time prior to the accident.
- Theft Deterrent – Cars, trucks, and SUVs with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
- Paper-free Discount – Some of the larger companies will discount your bill up to fifty bucks for signing up on the web.
Discounts reduce rates, but you should keep in mind that many deductions do not apply to the overall cost of the policy. A few only apply to individual premiums such as medical payments or collision. If you do the math and it seems like you could get a free auto insurance policy, it doesn’t quite work that way. But any discount will help reduce the cost of coverage.
The example below visualizes the comparison of Cadillac CTS yearly insurance costs with and without discounts applied. The premium estimates are based on a male driver, no claims, a clean driving record, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, safe-driver, multi-car, multi-policy, and claim-free discounts applied.
A list of auto insurance companies and some of their more popular discounts can be found below.
- Farmers Insurance includes discounts for youthful driver, teen driver, electronic funds transfer, early shopping, business and professional, good student, and mature driver.
- State Farm discounts include defensive driving training, accident-free, safe vehicle, good driver, and multiple policy.
- Liberty Mutual offers discounts including new vehicle discount, good student, safety features, new graduate, newly retired, and preferred payment discount.
- MetLife has savings for good driver, good student, multi-policy, claim-free, accident-free, defensive driver
- Progressive has discounts for multi-vehicle, good student, online quote discount, homeowner, multi-policy, and continuous coverage.
Check with all the companies the best way to save money. Depending on the company, some discounts may not apply in Long Beach. If you would like to view auto insurance companies that offer some of these discounts in California, follow this link.
When in doubt talk to an agent
Keep in mind that when it comes to choosing coverage for your personal vehicles, there is no “best” method to buy coverage. Your needs are unique to you.
For instance, these questions might point out whether you would benefit from an agent’s advice.
- Can I insure my car for more than it’s worth?
- At what point should I drop full coverage?
- Why is insurance for a teen driver so high in Long Beach?
- Should I drop comprehensive coverage on older vehicles?
- How much coverage applies to personal belongings?
- Can I drive in Mexico and have coverage?
- How do I buy GAP insurance?
If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form. It only takes a few minutes and can help protect your family.
Local Long Beach insurance agencies
Some people prefer to sit down and talk to an agent and there is nothing wrong with that. Experienced insurance agents are trained risk managers and help file insurance claims. The biggest benefit of price shopping on the web is the fact that you can find cheap insurance quotes and still have an agent to talk to.
Upon completion of this form (opens in new window), your insurance data is submitted to participating agents in Long Beach that provide free Long Beach auto insurance quotes for your insurance coverage. You don’t have to contact an agency because prices are sent to the email address you provide. In the event you want to get a comparison quote from a particular provider, feel free to go to their quote page and fill out their quote form.
Finding a good insurance company shouldn’t rely on just a low price. Any agent in Long Beach should be forthright in answering these questions:
- How long has their agency been open in Long Beach?
- If your car is totaled, how to they determine the replacement cost?
- If you have an accident, will your rates go up?
- How long have they worked with personal auto insurance coverage?
- Do they have any clout with companies to ensure a fair claim settlement?
- Do they write coverage based solely on cost?
- What companies can they write with?
- By raising physical damage deductibles, how much would you save?
The type of auto insurance agent you choose is important
When researching a reliable insurance agent, you should know the types of agencies that you can select. Agencies in Long Beach can either be exclusive or independent (non-exclusive). Either can insure your vehicles, but it’s worth mentioning the differences because it may have an impact on which type of agent you select.
Exclusive Insurance Agents
Agents in the exclusive channel are contracted to one company and examples are Farmers Insurance and State Farm. They are unable to shop your coverage around so they have to upsell other benefits. They are trained well on the products they sell which helps offset the inability to provide other markets. Some insured continue to buy insurance from these agents mostly because of loyalty to the company rather than having low rates.
Shown below is a list of exclusive agencies in Long Beach that are able to give comparison quotes.
- Sonny Anderson – State Farm Insurance Agent
4166 Norse Way a – Long Beach, CA 90808 – (562) 429-1809 – View Map - Allstate Insurance: Joilyn Hanley
5520 E 2nd St a – Long Beach, CA 90803 – (562) 438-4663 – View Map - Jeff Morgan – State Farm Insurance Agent
4087 Long Beach Blvd – Long Beach, CA 90807 – (562) 595-6969 – View Map
Independent Agents (or Brokers)
These agents do not write with just one company and that allows them to write policies with many different companies and find you the best rates. If you are not satisfied with one company, they simply switch companies in-house and you don’t have to switch agencies. When comparing insurance rates, it’s a good idea to include price quotes from multiple independent agents in order to compare the most rates. Most have the option of insuring with smaller companies that may have much lower rates than larger companies.
Listed below is a short list of independent insurance agents in Long Beach who can help you get comparison quotes.
- Nationwide Insurance: Caiquo Insurance Agency
4401 Atlantic Ave #214 – Long Beach, CA 90807 – (562) 548-7488 – View Map - Kelly Williams Insurance Agency, Inc.
4400 Pacific Coast Hwy – Long Beach, CA 90804 – (562) 498-8661 – View Map - Lanterman Insurance Agency, Inc.
5318 E 2nd St #643 – Long Beach, CA 90803 – (562) 743-1607 – View Map
Once you have received positive responses to your questions and an affordable coverage quote, it’s a good possibility that you have found an auto insurance agent that can be trusted to properly insure your vehicles.
Coverages available on your policy
Knowing the specifics of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.
Coverage for medical expenses
Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like ambulance fees, nursing services, prosthetic devices, funeral costs and dental work. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay
Coverage for collisions
This will pay to fix damage to your CTS resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims like backing into a parked car, sideswiping another vehicle, crashing into a building, colliding with a tree and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to raise the deductible on your CTS to bring the cost down.
Comprehensive insurance
Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things like theft, hail damage, fire damage, a tree branch falling on your vehicle and damage from flooding. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Coverage for uninsured or underinsured drivers
Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Cadillac CTS.
Due to the fact that many California drivers carry very low liability coverage limits (15/30/5), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Liability coverages
This provides protection from damage that occurs to other people or property by causing an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 15/30/5 that translate to $15,000 bodily injury coverage, a per accident bodily injury limit of $30,000, and a limit of $5,000 paid for damaged property.
Liability can pay for things such as medical services, medical expenses, bail bonds, funeral expenses and court costs. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford. California state law requires minimum liability limits of 15/30/5 but drivers should carry better liability coverage.
The next chart demonstrates why buying minimum limits may not be adequate coverage.
Frequent quotes can save
Insureds leave their current company for a variety of reasons including questionable increases in premium, delays in paying claims, unfair underwriting practices or being labeled a high risk driver. Regardless of your reason, finding a new car insurance company is easier than you think.
As you shop your coverage around, never reduce needed coverages to save money. Too many times, someone dropped liability limits or collision coverage and discovered at claim time that it was a big mistake. The goal is to buy enough coverage at the best cost, not the least amount of coverage.
Lower-priced car insurance in Long Beach can be bought both online and also from your neighborhood Long Beach agents, so you need to quote Long Beach auto insurance with both to have the best chance of lowering rates. Some companies do not provide rate quotes online and these regional insurance providers provide coverage only through independent insurance agents.
How to quote cheaper Cadillac CTS insurance in Long Beach
The most effective way to get low-cost car insurance rates in Long Beach is to regularly compare quotes from insurance carriers in California.
- Try to comprehend how your policy works and the measures you can take to keep rates down. Many risk factors that increase rates such as speeding tickets, accidents and a substandard credit history can be amended by making minor changes in your lifestyle.
- Quote rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from a single company like GEICO and Allstate, while agents who are independent can provide prices from multiple companies.
- Compare the price quotes to your existing coverage and see if there is a cheaper rate. If you can save money and buy the policy, make sure coverage does not lapse between policies.
- Give notification to your agent or company of your decision to cancel your current car insurance policy and submit a down payment along with a completed application to the newly selected company. Immediately upon receiving it, place the new certificate verifying proof of insurance in an easily accessible location.
An important part of this process is that you use similar limits and deductibles on each quote request and and to get rates from as many auto insurance providers as possible. This provides a fair rate comparison and the best price selection.
More detailed car insurance information is located in the articles below:
- Drunk Driving Statistics (Insurance Information Institute)
- Who Has Cheap Long Beach Car Insurance Quotes for Business Use? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a Dodge Ram in Long Beach? (FAQ)
- Who Has Affordable Long Beach Car Insurance Quotes for Good Drivers? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Felons in Long Beach? (FAQ)
- Who Has the Cheapest Long Beach Auto Insurance for Good Students? (FAQ)
- Who Has Affordable Auto Insurance for a Ford Fusion in Long Beach? (FAQ)
- Car Insurance: When not to Skimp (BankRate.com)
- What to do at the Scene of an Accident (Insurance Information Institute)
- Alcohol Impaired Driving FAQ (iihs.org)