Insurance rates Cadillac CTS in HonoluluNo sane person looks forward to paying for car insurance, especially when they could find better prices if they shop around.

Shocking but true, nearly 70% of consumers kept their policy with the same company for at least the last four years, and nearly 40% of drivers have never quoted rates to find cheaper coverage. Honolulu drivers could save up to $356 a year just by comparing rates, but they just assume it takes a lot of time to compare rate quotes. Lots of insurers contend to insure your vehicles, and because of this it can be hard to compare car insurance companies and get the best coverage at the lowest price on Cadillac CTS insurance in Honolulu.

It is always a good idea to quote other rates on a regular basis because prices are rarely the same from one policy term to another. Even if you got the lowest price on Cadillac CTS insurance in Honolulu a few years ago you may be paying too much now. Forget all the misinformation about car insurance because you're going to learn how to use the internet to properly buy coverages and cut your premium.

Cadillac CTS insurance quotes comparison

The companies in the list below have been selected to offer comparison quotes in Hawaii. If more than one company is shown, it's a good idea that you compare several of them in order to get a fair rate comparison.

Cadillac CTS Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CTS AWD $146 $278 $254 $16 $76 $770 $64
CTS $140 $294 $320 $18 $96 $868 $72
CTS Luxury AWD $198 $482 $300 $18 $90 $1,088 $91
CTS Performance AWD $180 $398 $254 $16 $76 $924 $77
CTS Luxury $122 $288 $278 $16 $84 $788 $66
CTS Performance $294 $558 $346 $20 $104 $1,322 $110
CTS Sport $198 $458 $300 $18 $90 $1,064 $89
CTS Premium $246 $574 $300 $18 $90 $1,228 $102
CTS Premium AWD $156 $338 $320 $18 $96 $928 $77
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Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Information does not factor in garaging location in Honolulu which can modify rates noticeably.

Physical damage deductible comparison

The illustration below demonstrates how deductibles and can influence Cadillac CTS insurance premiums for each different age category. The price estimates are based on a married female driver, comprehensive and collision coverage, and no discounts are applied to the premium.

Deductible comparison

One common question asked by Honolulu drivers is where should you set your physical damage deductibles. The comparison tables below summarize the rate difference between low and high comp and collision deductibles. The first set of rates uses a $250 physical damage coverage deductible and the second rate chart uses a $1,000 deductible.

Cadillac CTS insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CTS AWD $230 $406 $264 $16 $80 $1,021 $85
CTS $230 $406 $264 $16 $80 $1,021 $85
CTS Luxury AWD $230 $468 $264 $16 $80 $1,083 $90
CTS Performance AWD $230 $468 $264 $16 $80 $1,083 $90
CTS Luxury $230 $468 $264 $16 $80 $1,083 $90
CTS Performance $230 $468 $264 $16 $80 $1,083 $90
CTS Sport $230 $468 $264 $16 $80 $1,083 $90
CTS Premium $258 $468 $264 $16 $80 $1,111 $93
CTS Premium AWD $258 $468 $264 $16 $80 $1,111 $93
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Cadillac CTS insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CTS AWD $142 $256 $264 $16 $80 $758 $63
CTS $142 $256 $264 $16 $80 $758 $63
CTS Luxury AWD $142 $294 $264 $16 $80 $796 $66
CTS Performance AWD $142 $294 $264 $16 $80 $796 $66
CTS Luxury $142 $294 $264 $16 $80 $796 $66
CTS Performance $142 $294 $264 $16 $80 $796 $66
CTS Sport $142 $294 $264 $16 $80 $796 $66
CTS Premium $158 $294 $264 $16 $80 $812 $68
CTS Premium AWD $158 $294 $264 $16 $80 $812 $68
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Prices do not factor in vehicle location which can impact prices considerably.

We can estimate from the data above that using a $250 deductible will cost you roughly $24 more each month or $288 for a full year than buying the higher $1,000 deductible. Since you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at a minimum 31 months between claim filings, you would most likely save money by going with a higher deductible.

How to determine when to raise your deductibles

Average monthly premium for $250 deductibles: $90
Average monthly premium for $1,000 deductibles (subtract): - $66
Monthly savings from raising deductible: $24
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $24
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 31 months

One important caveat is that raising deductibles to save money means you will have to pay more of your own money when you have to file a claim. That will force you to have some non-essential savings in the event you have to pay the higher deductible.

Cadillac CTS insurance rates: Men versus women

The example below shows the comparison of Cadillac CTS auto insurance costs for male and female drivers. The premium estimates are based on no accidents, no driving violations, comp and collision included, $500 deductibles, drivers are not married, and no policy discounts are applied.

Choosing the best vehicle insurance in Hawaii is an important decision

Even though it can be expensive, insuring your vehicle serves several important purposes.

The benefits of insuring your car definitely exceed the price paid, particularly if you ever have a claim. But the average driver in Hawaii overpays more than $865 each year so compare rates at least once a year to ensure rates are inline.

Do drivers who switch really save $466 a year?

Hawaii consumers get pounded daily by advertisements that claim the cheapest rates from the likes of Progressive, GEICO, Allstate and State Farm. All the ads seem to make the promise that people will save just by switching your coverage.

Is it even possible that every company can make the same claim?

Insurance providers have specific guidelines for the driver that earns them the highest profit. A good example of a desirable risk might be described as between 30 and 50, has no driving citations, and chooses high deductibles. A propective insured who fits that profile is entitled to the best price as well as save if they switch.

Drivers who don't meet the requirements may receive higher premium rates and this results in the customer buying from a different company. If you listen to the ad wording, they say "drivers who switch" but not "everyone who gets a quote" save that much money. That's the way companies can truthfully make those claims. Each company has different criteria, so it is so important to get as many free Honolulu car insurance quotes as possible. Because you cannot predict with any certainty which company will fit you best based on your risk profile.

Get cheaper rates with discounts

Car insurance is not cheap, but you might already qualify for some discounts that you may not even know about. Most are applied when you purchase, but a few need to be asked about in order for you to get them.Car insurance discounts

Remember that some credits don't apply to your bottom line cost. Most only reduce individual premiums such as physical damage coverage or medical payments. Even though the math looks like all the discounts add up to a free policy, you're out of luck.

To find companies who offer cheap Cadillac CTS insurance quotes in Honolulu in Hawaii, click here to view.

Buying from car insurance agents

Many people just prefer to get advice from a local agent and there is nothing wrong with that. Insurance agents can help you build your policy and help you file claims. One of the best bonuses of comparing rates online is that you can obtain cheap car insurance quotes and still have an agent to talk to.

After completing this form (opens in new window), the coverage information is submitted to participating agents in Honolulu who will give you bids for your coverage. You won't even need to drive around because quoted prices will be sent instantly to you. In the event you want to compare prices from a particular provider, you can always search and find their rate quote page and fill out their quote form.

Deciding on a insurance company needs to be determined by more than just a cheap quote. Any agent in Honolulu should be willing to answer these questions.

Listed below is a short list of auto insurance companies in Honolulu that can give you rate quotes for Cadillac CTS insurance in Honolulu.

250 Ward Ave #220 - Honolulu, HI 96814 - (808) 626-5068 - View Map

6700 Kalanianaole Hwy #204 - Honolulu, HI 96825 - (808) 395-5433 - View Map

1682 Kalakaua Ave #1 - Honolulu, HI 96826 - (808) 638-3673 - View Map

1440 Kapiolani Blvd # 950 - Honolulu, HI 96814 - (808) 942-5353 - View Map

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Cheaper auto insurance premiums are out there

When shopping online for auto insurance, make sure you don't skimp on critical coverages to save a buck or two. There have been many cases where consumers will sacrifice comprehensive coverage or liability limits to discover at claim time they didn't have enough coverage. The ultimate goal is to get the best coverage possible at the best cost, not the least amount of coverage.

We've covered many ideas to find affordable Cadillac CTS insurance in Honolulu. It's most important to understand that the more times you quote, the better chance you'll have of finding affordable Honolulu car insurance quotes. Consumers may even find the best premium rates are with a company that doesn't do a lot of advertising. Regional companies may have significantly lower prices on certain market segments as compared to the big name companies such as State Farm or Progressive.

More affordable auto insurance in Honolulu can be found from both online companies as well as from insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some auto insurance companies may not provide price quotes online and these small insurance companies only sell through independent agencies.

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