Cheapest Insurance for a Cadillac CTS in Miami

Insurance for Cadillac CTSAre you looking for more competitive insurance rates in Miami, FL? Miami buyers have a choice when searching for the best price on Cadillac CTS insurance. You can either spend your time driving around to compare prices or use the internet to get rate quotes.

There is a better way to shop for insurance so we’re going to tell you the absolute fastest way to quote coverages for a Cadillac and find the lowest possible price from Miami insurance agents and online providers.

If you have a policy now or are looking for a new policy, use these cost-cutting techniques to save money and still have adequate protection. These techniques will tell you how insurance works and also save some money in the process Drivers just have to understand the most time-saving way to get comparison rates from many different companies online.

Lowering your car insurance rates can be surprisingly simple. You just have to spend a little time to get quotes to see which company has affordable Cadillac CTS insurance quotes.

The companies shown below have been selected to offer price comparisons in Miami, FL. If multiple companies are listed, we recommend you visit several of them to get the best price comparison.

Cadillac CTS coverage statistics

The table displayed below highlights estimates of insurance premium costs for Cadillac CTS models. Being more informed about how insurance policy rates are calculated can be of help when making smart choices when comparing insurance rates.

Cadillac CTS Insurance Rates in Miami, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CTS AWD $328 $634 $564 $34 $168 $1,728 $144
CTS $328 $634 $564 $34 $168 $1,728 $144
CTS Luxury AWD $328 $730 $564 $34 $168 $1,824 $152
CTS Performance AWD $328 $730 $564 $34 $168 $1,824 $152
CTS Luxury $328 $730 $564 $34 $168 $1,824 $152
CTS Performance $328 $730 $564 $34 $168 $1,824 $152
CTS Sport $328 $730 $564 $34 $168 $1,824 $152
CTS Premium $366 $730 $564 $34 $168 $1,862 $155
CTS Premium AWD $366 $730 $564 $34 $168 $1,862 $155
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Price estimates do not factor in specific Miami garaging location which can raise or lower price quotes significantly.

The chart below demonstrates how deductibles and can change Cadillac CTS annual premium costs for each different age category. The rate quotes are based on a married male driver, comprehensive and collision coverage, and no discounts are applied.

Annual premiums for males compared to females

The example below compares Cadillac CTS insurance costs for male and female drivers. The premium estimates are based on a clean driving record, no at-fault accidents, full physical damage coverage, $1,000 deductibles, single marital status, and no policy discounts are applied.

Liability only or full coverage

The example below compares Cadillac CTS auto insurance rates when comparing full coverage to state minimum liability only. The premium estimates are based on no claims, a clean driving record, $250 deductibles, drivers are not married, and no additional discounts are factored in.

When to stop buying comprehensive and collision coverage

There is no definitive formula to stop paying for physical damage coverage on your policy, but there is a general convention. If the yearly cost for physical damage coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.

For example, let’s assume your Cadillac CTS claim settlement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $2,000 after the deductible is paid. If premium cost is more than $200 a year for physical damage coverage, then you might consider buying liability only.

There are a few situations where dropping full coverage is not recommended. If you haven’t paid off your loan, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not consider dropping full coverage.

Buying auto insurance from Miami insurance agents

A small number of people still like to have an agent’s advice and that is OK! Most agents are trained risk managers and help file insurance claims. One of the benefits of getting free rate quotes online is you may find better rates and still have a local agent. Supporting neighborhood insurance agencies is important particularly in Miami.

Insurance agents in MiamiAfter filling out this quick form, your information is submitted to insurance agents in Miami who will give competitive quotes for your auto insurance coverage. It simplifies rate comparisons since you won’t have to leave your computer because quoted prices will be sent straight to your inbox. If you need to get a rate quote from one company in particular, just navigate to their website and complete a quote there.

If you want to buy auto insurance from a local Miami insurance agent, it’s helpful to know the different agency structures and how they differ in how they can insure your vehicles. Agencies in Miami are either independent (non-exclusive) or exclusive. Either one can sell auto insurance policies, but it’s important to point out how they are different because it can influence the kind of agent you use.

Independent Agents

Independent insurance agents are not locked into one company so they can write business through lots of different companies enabling the ability to shop coverage around. To move your coverage to a new company, the agent simply finds a different carrier and that require little work on your part. When comparing auto insurance rates, it’s recommended you include several independent insurance agents in order to compare the most rates. Many can place coverage with smaller companies that many times have cheaper rates.

Shown below are independent agencies in Miami that may be able to provide competitive price quotes.

More Miami agents

Exclusive Auto Insurance Agents

Agents that choose to be exclusive can only write with one company and some examples include State Farm, AAA, and Liberty Mutual. These agents are not able to compare other company’s rates so you need to shop around if the rates are high. They are very knowledgeable in insurance sales which helps offset the inability to provide other markets. Some insured continue to buy insurance from these agents primarily because of the brand rather than having the cheapest rates.

Shown below is a short list of exclusive insurance agencies in Miami who can help you get price quotes.

More Miami agents

Selecting an car insurance agent should depend on more than just a cheap quote. Get answers to these questions too.

Once you have acceptable answers to any questions you may have and locked in a price quote, you may have found an insurance agency that is professional and can adequately provide auto insurance.

Miami auto insurance company ratings

Insuring your vehicle with the best insurer can be challenging considering how many companies provide coverage in Florida. The information in the next section could help you select which companies you want to consider purchasing coverage from.

Top 10 Miami Car Insurance Companies Ranked by Customer Satisfaction

  1. USAA – 91%
  2. AAA Insurance – 90%
  3. Esurance – 90%
  4. Mercury Insurance – 89%
  5. Nationwide – 89%
  6. Travelers – 88%
  7. Progressive – 88%
  8. Safeco Insurance – 88%
  9. State Farm – 88%
  10. Allstate – 88%

Top 10 Miami Car Insurance Companies by A.M. Best Rank

  1. Travelers – A++
  2. USAA – A++
  3. GEICO – A++
  4. State Farm – A++
  5. Titan Insurance – A+
  6. Esurance – A+
  7. Progressive – A+
  8. The Hartford – A+
  9. Allstate – A+
  10. Nationwide – A+