It’s easy to assume that car insurance companies don’t want you quoting rates from other companies. Drivers who shop around are highly likely to switch to a new company because there are good odds of finding lower rate quotes. A study showed that people who made a habit of comparing rate quotes saved approximately $3,400 over four years compared to those who didn’t regularly shop around.
If finding the lowest price for auto insurance in El Paso is your goal, then having some knowledge of how to get rate quotes and compare coverage rates can save time, money, and frustration.
The best way to find low-cost prices for Cadillac CTS insurance in El Paso is to compare quotes annually from providers who sell insurance in Texas.
First, spend some time learning about how companies price auto insurance and the steps you can take to prevent rate increases. Many policy risk factors that result in higher rates like at-fault accidents and poor credit rating can be improved by making minor driving habit or lifestyle changes. Later in this article we will cover more information to get cheaper coverage and find additional discounts you may qualify for.
Second, obtain price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give prices from one company like GEICO or Allstate, while independent agencies can quote rates from multiple insurance companies.
Third, compare the new rate quotes to your current policy and determine if there is any savings. If you find better rates and decide to switch, make sure there is no coverage gap between policies.
Fourth, provide adequate notice to your current company to cancel your current car insurance policy and submit any necessary down payment along with the completed application to your new carrier. Make sure you put the proof of insurance certificate along with your vehicle registration.
A key point to remember is to try to compare the same level of coverage on each quote and to quote with as many different insurance providers as possible. Doing this enables an accurate price comparison and and a good selection of different prices.
Pricing affordable insurance policy in El Paso is quite easy. If you have a policy now or are shopping for new coverage, you can use this information to save money without having to cut coverage. Smart shoppers just need to learn the most efficient way to compare different rates on the web.
The auto insurance companies shown below can provide free rate quotes in El Paso, TX. If more than one company is shown, we suggest you compare several of them to find the lowest auto insurance rates.
Cadillac CTS insurance rates and statistics
The data table displayed next showcases estimates of coverage prices for Cadillac CTS models. Being able to understand how policy rates are figured can aid in making informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CTS AWD | $370 | $698 | $382 | $22 | $114 | $1,586 | $132 |
| CTS | $370 | $698 | $382 | $22 | $114 | $1,586 | $132 |
| CTS Luxury AWD | $370 | $804 | $382 | $22 | $114 | $1,692 | $141 |
| CTS Performance AWD | $370 | $804 | $382 | $22 | $114 | $1,692 | $141 |
| CTS Luxury | $370 | $804 | $382 | $22 | $114 | $1,692 | $141 |
| CTS Performance | $370 | $804 | $382 | $22 | $114 | $1,692 | $141 |
| CTS Sport | $370 | $804 | $382 | $22 | $114 | $1,692 | $141 |
| CTS Premium | $412 | $804 | $382 | $22 | $114 | $1,734 | $145 |
| CTS Premium AWD | $412 | $804 | $382 | $22 | $114 | $1,734 | $145 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Premium amounts do not factor in your specific El Paso location which can decrease or increase price quotes significantly.
Deductible analysis
One common question asked by El Paso drivers is what deductibles to buy. The following tables determine the rate difference when you choose different coverage deductibles. The first data set uses a $250 deductible for comprehensive and collision coverage and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CTS AWD | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| CTS | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| CTS Luxury AWD | $332 | $672 | $382 | $22 | $114 | $1,547 | $129 |
| CTS Performance AWD | $332 | $672 | $382 | $22 | $114 | $1,547 | $129 |
| CTS Luxury | $332 | $672 | $382 | $22 | $114 | $1,547 | $129 |
| CTS Performance | $332 | $672 | $382 | $22 | $114 | $1,547 | $129 |
| CTS Sport | $332 | $672 | $382 | $22 | $114 | $1,547 | $129 |
| CTS Premium | $370 | $672 | $382 | $22 | $114 | $1,585 | $132 |
| CTS Premium AWD | $370 | $672 | $382 | $22 | $114 | $1,585 | $132 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CTS AWD | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| CTS | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| CTS Luxury AWD | $270 | $542 | $382 | $22 | $114 | $1,330 | $111 |
| CTS Performance AWD | $270 | $542 | $382 | $22 | $114 | $1,330 | $111 |
| CTS Luxury | $270 | $542 | $382 | $22 | $114 | $1,330 | $111 |
| CTS Performance | $270 | $542 | $382 | $22 | $114 | $1,330 | $111 |
| CTS Sport | $270 | $542 | $382 | $22 | $114 | $1,330 | $111 |
| CTS Premium | $300 | $542 | $382 | $22 | $114 | $1,360 | $113 |
| CTS Premium AWD | $300 | $542 | $382 | $22 | $114 | $1,360 | $113 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Estimates do not factor in specific garaging location which can raise or lower coverage rates significantly.
Using the premium rates above, we can conclude that using a $250 deductible would cost the average driver about $18 more each month or $216 a year averaged for all CTS models than choosing the higher $500 deductible. Due to the fact that you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you normally go at a minimum 14 months between claim filings, you would save money if you choose the higher deductible. Below is an example of how you can come to your own conclusion.
| Average monthly premium for $250 deductibles: | $128 |
| Average monthly premium for $500 deductibles (subtract): | – $110 |
| Monthly savings from raising deductible: | $18 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $18 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 14 months |
One important caveat is that increasing deductibles to save money means you will have to pay more when you file a claim. You will want to have enough money in the bank in the event you need to pay the higher deductible.
Insurance agencies can help
A small number of people still prefer to get advice from a local agent and that is not a bad decision Professional agents are trained to spot inefficiencies and help in the event of a claim. One of the best bonuses of getting online price quotes is that you can obtain cheap rate quotes and still buy from a local agent. And supporting local agencies is especially important in El Paso.
Once you complete this quick form, the coverage information is submitted to insurance agents in El Paso that can provide free El Paso auto insurance quotes for your insurance coverage. You don’t have to contact any insurance agencies because prices are sent to your email. If you need to quote rates from a specific company, you would need to jump over to their website and fill out the quote form the provide.
If you’re trying to find a reputable insurance agent or broker, there are two different agency structures and how they differ in how they quote coverages. Insurance agencies in El Paso may be either exclusive or independent. Either one can handle insurance, but it is a good idea to know the differences since it can impact your agent selection.
Independent Insurance Agents (or Brokers)
These type of agents are not required to write business for one company so as a result can place your coverage with a variety of different insurance companies and help determine which has the cheapest rates. If your premiums go up, your policy is moved internally and you stay with the same agent. If you are trying to find cheaper rates, you will definitely want to get several quotes from at least one independent agent to get the most accurate price comparison. A lot of them also have access to less well-known companies that can offer cheaper rates than bigger companies.
Shown below is a small list of independent insurance agents in El Paso that may be able to provide free insurance quotes.
- Red Rock Insurance
7500 N Mesa St # 202 – El Paso, TX 79912 – (915) 845-7777 – View Map - Texas State Insurance Agency
1501 N Mesa St – El Paso, TX 79902 – (915) 838-1501 – View Map - Texas Auto Insurance Agency
1491 Lee Trevino Dr # G – El Paso, TX 79936 – (915) 594-4400 – View Map
Exclusive Insurance Agencies
Exclusive agencies normally can only provide a single company’s rates like AAA, Allstate, and State Farm. Exclusive agents cannot compare other company’s rates so they really need to provide good service. Exclusive agents are very knowledgeable on what they offer which helps them compete with independent agents. Some insured continue to choose to use an exclusive agent partially due to loyalty to the company and solid financial strength.
The following are exclusive agents in El Paso willing to provide price quotes.
- Elizabeth Lopez – State Farm Insurance Agent
3010 Saul Kleinfeld Dr Ste E – El Paso, TX 79936 – (915) 921-9800 – View Map - Lou Lobato – State Farm Insurance Agent
1810 Trawood Dr l – El Paso, TX 79935 – (915) 598-5401 – View Map - Terry Chaumont – State Farm Insurance Agent
11660 Montwood Dr i – El Paso, TX 79936 – (915) 856-1200 – View Map
Finding the right insurance agent is decision based upon more than just a cheap price. The answers to these questions are important, too.
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Does the company use OEM repair parts?
- Has the agent ever had any license suspensions?
- By raising physical damage deductibles, how much would you save?
- Does the agent have professional designations like CIC, CPCU or AIC?