Best Ways to Save on Milwaukee Cadillac CTS Insurance

Feel like you have an overpriced car insurance policy? Don’t sweat it because many Milwaukee drivers have buyer’s remorse.

It’s hard to fathom, but the vast majority of car insurance customers have stayed with the same insurance company for at least four years, and almost 40% of drivers have never compared rates to find cheap insurance. The average driver in Wisconsin could save themselves 30% a year just by getting comparison quotes, but most undervalue the benefits if they moved their coverage to a different company.

There is such a variety of insurance companies to buy insurance from, and even though it’s nice to be able to choose, having more insurance companies makes it harder to find the best rates for your vehicles.

You need to get comparison quotes periodically since insurance prices are adjusted regularly by insurance companies. Even if you think you had the best rates on Cadillac CTS insurance in Milwaukee at your last renewal you will most likely find a better rate quote today. There is lot of inaccurate information about CTS insurance on the web, but you can learn the easiest ways to lower your car insurance bill.

Cadillac CTS insurance discounts in Milwaukee

Companies do not advertise all possible discounts in an easy-to-find place, so the list below gives a summary of some of the more common and also the lesser-known credits available to you.

• Claim-Free Discount – Insureds with no claims or accidents can save substantially when compared with drivers who are more careless.
• E-sign – A few larger online companies will give you a small discount just for signing your application digitally online.
• Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. Many companies even apply the discount to college students well after school through age 25.
• Telematics Discount – People who choose to allow data collection to study vehicle usage by using a telematic data system such as Snapshot from Progressive or Drivewise from Allstate may see discounts as long as the data is positive.
• Student Discount for Driver Training – Require your teen driver to complete a driver education course as it will make them better drivers and lower rates.
• Save with More Vehicles Insured – Buying a policy with multiple cars or trucks on a single policy can reduce rates for all insured vehicles.
• Anti-theft System – Cars, trucks, and SUVs optioned with advanced anti-theft systems prevent vehicle theft and that can save you a little bit as well.

It’s important to understand that most credits do not apply to your bottom line cost. Most cut the cost of specific coverages such as comp or med pay. Just because you may think having all the discounts means you get insurance for free, nobody gets a free ride.

Companies and a summarized list of policyholder discounts are included below.

• Progressive offers discounts including good student, multi-vehicle, continuous coverage, online signing, and multi-policy.
• Farmers Insurance may include discounts for teen driver, homeowner, good student, alternative fuel, and youthful driver.
• Farm Bureau may have discounts that include multi-policy, driver training, renewal discount, good student, and safe driver.
• State Farm includes discounts for passive restraint, accident-free, good student, student away at school, and driver’s education.
• GEICO discounts include anti-lock brakes, multi-policy, good student, membership and employees, federal employee, seat belt use, and defensive driver.
• SAFECO has discounts for teen safety rewards, bundle discounts, drive less, accident prevention training, and multi-car.
• Liberty Mutual policyholders can earn discounts including multi-policy, new vehicle discount, teen driver discount, safety features, and new move discount.

Before buying, ask all the companies which discounts you qualify for. A few discounts may not apply to policyholders in Milwaukee. To choose providers that offer many of these discounts in Wisconsin, click here.

When price shopping your coverage, obtaining a wide range of quotes helps increase your odds of locating a lower rate. Some companies don’t provide Milwaukee CTS insurance quotes over the internet, so you need to compare rates on coverage from those companies, too.

The car insurance companies shown below offer free quotes in Wisconsin. If multiple companies are shown, we suggest you visit several of them to get the best price comparison.

Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Wisconsin minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Prices do not factor in vehicle garaging location which can modify coverage rates considerably.

Rate increases following a ticket or accident

The illustration below highlights how speeding tickets and at-fault accidents can affect Cadillac CTS premium costs for different age categories. The premiums assume a married male driver, full coverage, $100 deductibles, and no discounts are factored in.

Annual premiums comparing men and women

The diagram below compares Cadillac CTS annual premium costs for male and female drivers. The information is based on no claims or driving violations, full coverage, $500 deductibles, single marital status, and no other discounts are factored in.

Raise deductibles and save

When shopping for car insurance, a common question is how high should the physical damage coverage deductibles be. The rates below summarize the differences in premium rates when you select higher and lower deductibles. The first set of rates uses a $250 deductible for physical damage and the second set of rates uses a $1,000 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Wisconsin minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Premium costs do not factor in your specific Milwaukee location which can decrease or increase auto insurance rates significantly.

We can estimate from the data above that using a $250 deductible could cost the average driver approximately $20 more each month or $240 every year than selecting the higher $1,000 deductible. Since you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you average at a minimum 38 months between claims, you would save more money going with the higher deductible.

What is the best car insurance coverage?

When it comes to buying insurance from an agent or online for your personal vehicles, there is no one-size-fits-all type of policy. Coverage needs to be tailored to your specific needs so your insurance should reflect that
Here are some questions about coverages that might point out if you could use an agent’s help.

• How do I insure my teen driver?
• Is my trailer covered?
• Am I covered while delivering pizza?
• Which companies will insure high-risk drivers?
• Is my custom paint covered by insurance?
• Am I covered when driving someone else’s vehicle?
• Is my custom stereo system covered?
• What is an adequate liability insurance limit?
• Am I covered if my car is in a flood?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.

When to talk to an agent

Many drivers would rather go talk to an agent and that can be a smart move One of the best bonuses of comparing rate quotes online is the fact that you can find cheaper auto insurance rates and still have an agent to talk to.

To find an agent, once you fill out this form (opens in new window), the coverage information is instantly submitted to local insurance agents in Milwaukee who will give competitive quotes for your car insurance coverage. You won’t even need to find an agent on your own because prices are sent immediately to your email address. You can most likely find cheaper rates AND a local agent. In the event you want to compare prices from a specific company, don’t hesitate to search and find their rate quote page and submit a quote form there.

Deciding on a company is decision based upon more than just a cheap price. Here are some questions you might want to ask.

• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
• Does the agent recommend any additional coverage?
• Is coverage determined by price?
• Does the company allow you to choose your own collision repair facility?
• Do they have 24-hour customer assistance?
• Do they have any clout with companies to ensure a fair claim settlement?
• How much experience to they have in personal lines coverages?

If you want a local insurance agency, it can be helpful to understand the different agency structures that you can select. Agents in Milwaukee may be either exclusive agents or independent agents.

Exclusive Car Insurance Agencies

Exclusive agencies can only place business with one company such as State Farm, Allstate, and Farm Bureau. These agents are not able to place coverage with different providers so if the price isn’t competitive there isn’t much they can do. These agents are usually well trained on their products and sales techniques and that enables them to sell even at higher rates.

Listed below is a list of exclusive agents in Milwaukee who may provide you with price quotes.

More insurance agents

Independent Car Insurance Agencies

Agents that elect to be independent are not limited to a single company so they can write business with any number of different companies and get you the best rates possible. If premiums increase, they can switch companies in-house and that require little work on your part.

If you need cheaper car insurance rates, you should always compare prices from multiple independent agents so that you have a good selection of quotes to compare.

Listed below is a short list of independent insurance agencies in Milwaukee willing to provide price quote information.

More insurance agents

More quotes mean more auto insurance savings

We just covered a lot of tips how to shop for Cadillac CTS insurance online. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your car insurance rates. Consumers could even find that the lowest rates come from the smaller companies. Some small companies may cover specific market segments cheaper compared to the large companies like Allstate and Progressive.

As you prepare to switch companies, you should never buy poor coverage just to save money. In too many instances, someone dropped uninsured motorist or liability limits only to find out that the few dollars in savings costed them thousands. Your goal is to buy the best coverage you can find for the lowest cost and still be able to protect your assets.

Helpful resources

• Electronic Stability Control FAQ (iihs.org)
• What Auto Insurance is Cheapest for a Nissan Sentra in Milwaukee? (FAQ)
• Who Has the Cheapest Car Insurance for Young Drivers in Milwaukee? (FAQ)
• Who Has Affordable Milwaukee Auto Insurance Quotes for a Honda CR-V? (FAQ)
• Who Has the Cheapest Auto Insurance Rates for 18 Year Olds in Milwaukee? (FAQ)
• Understanding Rental Car Insurance (Insurance Information Institute)
• What are my Rights when Filing a Claim? (Insurance Information Institute)
• Insuring a Leased Car (Insurance Information Institute)