10 Simple Ways to Cut Cadillac STS Rates

Searching for low-cost insurance for your Cadillac STS can turn out to be an all-consuming task, but you can learn our auto insurance buying tips to make it easier.

There are more efficient ways to shop for auto insurance so we’re going to tell you the quickest way to compare rates for your Cadillac and find the cheapest rates from both online companies and local agents.

Consumers should take time to compare rates occasionally due to the fact that insurance rates trend upward over time. Even if you got the best rates for STS insurance a year ago you can probably find a better price now. Starting right now, block out anything you think you know about auto insurance because you’re about to learn the proper way to find lower rates on auto insurance.

Cheap Auto Insurance Comparisons

There are several ways to compare quotes from different insurance companies. The easiest way by far to find competitive Cadillac STS insurance rates is simply to get online rate quotes. This can be done in a couple of different ways.

Probably the best way consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This type of form saves time by eliminating separate quotation requests for every auto insurance company. Taking the time to complete one form will get you price quotes direct from many companies.It’s the quickest way to get rates.
A different way to get comparison quotes is to manually visit the website for every company you want to comare and fill out their own quote form. For examples sake, we’ll pretend you want to compare rates from USAA, Allstate and GEICO. To get rate quotes you would need to go to every website to enter your coverage information, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.

Which method you use is up to you, but make absolute certain that you use identical coverage limits on every quote. If each company quotes different limits and deductibles on each one you will not be able to make a fair comparison for your Cadillac STS. Quoting even small variations in coverages may result in large price differences. And when comparison shopping, obtaining a wide range of quotes helps you find a lower rate.

Do drivers who switch really save?

Auto insurance companies such as Allstate, GEICO and Progressive consistently run television and radio advertisements. They all seem to make an identical promise of big savings if you change your coverage to them. But how can every company claim to save you money?

Different companies are able to cherry pick for the type of driver they prefer to insure. An example of a profitable customer could possibly be between 25 and 40, owns a home, and has a short commute. A customer that hits that “sweet spot” will get very good rates and as a result will probably save quite a bit of money when switching.

Potential customers who fall outside the “perfect” profile will be quoted higher rates and ends up with the driver buying from a lower-cost company. The ads say “drivers who switch” not “everyone that quotes” save that kind of money. This is how companies can claim big savings.

This emphasizes why you absolutely need to get as many quotes as possible. It’s not possible to predict the company that will provide you with the cheapest rates.

These ten discounts can slash auto insurance rates

Insurance can cost an arm and a leg, buy you may qualify for discounts to cut the cost considerably. Most are applied when you complete an application, but less common discounts must be specifically requested prior to receiving the credit.

Student in College – Children living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
Seat Belts Save more than Lives – Drivers who require all occupants to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
Driver Safety – Completing a driver safety course can save you 5% or more depending on where you live.
No Claims – Good drivers with no accidents pay much less compared to frequent claim filers.
Multiple Policy Discount – When you have multiple policies with one company you will save up to 20% off your total premium.
Air Bag Discount – Cars that have air bags or motorized seat belts can qualify for discounts of 20% or more.
One Accident Forgiven – Some insurance companies will allow you to have one accident before raising your premiums as long as you don’t have any claims for a set time period.
Multiple Cars – Buying insurance for all your vehicles on one policy could earn a price break for each car.
Student Driver Training – Have your child enroll in driver’s education if it’s offered in school.
Paperless Signup – A few companies give back up to $50 just for signing your application on their website.

Consumers should know that most discount credits are not given to the entire policy premium. Most only cut individual premiums such as comp or med pay. So even though it sounds like you can get free auto insurance, it just doesn’t work that way. But all discounts will help reduce your premiums.

To see a list of insurance companies with discount auto insurance rates, click here.

When might I need the advice of an agent?

When choosing proper insurance coverage, there isn’t really a single plan that fits everyone. Each situation is unique.

For instance, these questions may help you determine whether or not you may require specific advice.

Does coverage extend to a rental car in a foreign country?
Does my insurance cover my expensive audio equipment?
Am I covered if I wreck a rental car?
Can I rate high risk drivers on liability-only vehicles?
Do I really need UM/UIM coverage?
Should I buy only the required minimum liability coverage?
Why am I required to get a high-risk car insurance policy?
Is borrowed equipment or tools covered if stolen or damaged?
What if I don’t agree with a claim settlement offer?
Is a new car covered when I drive it off the dealer lot?

If it’s difficult to answer those questions then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form.

Auto insurance 101

Knowing the specifics of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as sideswiping another vehicle, colliding with another moving vehicle, damaging your car on a curb and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Comprehensive insurance

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, hitting a deer and vandalism. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like hospital visits, prosthetic devices and chiropractic care. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability car insurance

This coverage can cover damage or injury you incur to other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like court costs, repair costs for stationary objects and structural damage. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Cadillac STS.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Frequently these coverages do not exceed the liability coverage limits.

Best coverage at the best price

As you shop your coverage around, it’s very important that you do not skimp on critical coverages to save a buck or two. There have been many cases where someone sacrificed liability limits or collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The proper strategy is to buy enough coverage for the lowest price, not the least amount of coverage.

Drivers switch companies for any number of reasons including an unsatisfactory settlement offer, questionable increases in premium, not issuing a premium refund and denial of a claim. Regardless of your reason, switching auto insurance companies is not as hard as you think.

Cheap Cadillac STS insurance is available on the web as well as from independent agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who don’t offer online price quotes and most of the time these smaller companies sell through independent agents.