2008 Cadillac STS Car Insurance Quotes – 8 Policy Discounts

Searching for better auto insurance rates for your Cadillac STS? Finding the cheapest auto insurance can appear to be intimidating for consumers who are beginners to quoting and shopping for insurance on the web. With literally dozens of insurers to choose from, how can anyone possibly compare them all to find the best pricing?

You need to compare prices periodically since rates are adjusted regularly by insurance companies. Even if you think you had the best deal on STS coverage a few years ago you can probably find a better price now. There is a lot of bad advice regarding auto insurance online, but we’re going to give you the easiest ways to find affordable auto insurance.

The purpose of this article is to teach you the best way to quote coverages and some money-saving tips. If you have car insurance now, you should be able to save some money using these techniques. Although consumers should learn the methods companies use to determine prices because it can help you find the best coverage.

Lower rates by qualifying for these eight discounts

Buying insurance is not cheap, but discounts can save money and there are some available that you may not even be aware of. Larger premium reductions will be automatically applied when you complete an application, but some discounts are required to be inquired about before they will apply.

• Defensive Driver Discounts – Completing a course in safe driver may get you a small discount and easily recoup the cost of the course.
• Air Bag Discount – Factory options such as air bags could see savings of more than 20%.
• Discounts for Safe Drivers – Safe drivers can get discounts for up to 45% lower rates on STS coverage than their less cautious counterparts.
• Senior Citizen Rates – Drivers that qualify as senior citizens may receive better insurance rates on STS coverage.
• Low Mileage – Low mileage vehicles can qualify you for better insurancerates on cars that stay parked.
• Accident Waiver – This one isn’t a discount, but a handful of insurance companies allow you one accident before hitting you with a surcharge if your claims history is clear prior to the accident.
• Federal Government Employee – Federal government employees could cut as much as 10% off on STS coverage depending on your company.
• Life Insurance Discount – If the company offers life insurance, you could get lower insurancerates if you buy life insurance.

A little note about advertised discounts, most of the big mark downs will not be given to the entire policy premium. Most only cut specific coverage prices like medical payments or collision. Even though it may seem like having all the discounts means you get insurance for free, that’s just not realistic.

A list of insurance companies and some of the discounts are outlined below.

• State Farm may have discounts that include Drive Safe & Save, student away at school, multiple policy, multiple autos, good student, and good driver.
• American Family has discounts for bundled insurance, air bags, early bird, defensive driver, mySafetyValet, and accident-free.
• AAA offers discounts including education and occupation, AAA membership discount, pay-in-full, multi-car, and multi-policy.
• Geico may include discounts for good student, membership and employees, federal employee, daytime running lights, multi-vehicle, and anti-theft.
• Mercury Insurance offers premium reductions for type of vehicle, multi-policy, ease of repair, professional/association, and multi-car.
• Farmers Insurance offers discounts for multi-car, switch companies, electronic funds transfer, mature driver, homeowner, bundle discounts, and distant student.
• Progressive may offer discounts for good student, online quote discount, online signing, continuous coverage, multi-policy, homeowner, and multi-vehicle.

If you are trying to find cheaper car insurance quotes, ask each company which discounts they offer. All car insurance discounts may not apply in your area.

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How to find the cheapest insurance coverage

To find affordable car insurance quotes, there are several ways to compare quotes from many insurance coverage companies in your state. By far the easiest way to find competitive 2008 Cadillac STS insurance rates involves getting comparison quotes online. This can be done in a couple minutes as outlined below.

• The easiest and least time consuming way to compare a lot of rates at once is a comparison rater form (click to open form in new window). This easy form keeps you from doing separate quotes for every insurance coverage company. A single form compares rates direct from many companies. It’s definitely the quickest method.
• A harder way to shop for insurance coverage online requires you to visit each company website and fill out a new quote form. For examples sake, let’s say you want rates from Nationwide, Progressive and Travelers. To do that, you would have to spend time on each company’s site and repeatedly type in your coverage information, which explains why we recommend starting with the first method. To view a list of companies in your area, click here.

Compare rates however you want, just ensure you are comparing apples-to-apples quote data for each price quote. If your comparisons have unequal deductibles or liability limits it’s not possible to make a fair comparison for your Cadillac STS. Quoting even small variations in insurance coverages may cause a big price difference. Just remember that quoting more helps locate more affordable insurance.

Insurance coverage is unique, just like you

When buying proper insurance coverage, there isn’t really a cookie cutter policy. Everyone’s needs are different.

For instance, these questions could help you determine if your insurance needs could use an agent’s help.

• Should I buy more coverage than the required minimum liability coverage?
• When should I buy a commercial auto policy?
• Am I getting all the discounts available?
• Is a new car covered when I drive it off the dealer lot?
• What if I don’t agree with a claim settlement offer?
• Who is covered by my policy?
• Is my camper covered by my car insurance policy?
• Does my insurance cover a custom paint job?
• Should I get collision insurance on every vehicle?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form.

Auto insurance coverage basics

Having a good grasp of auto insurance can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Liability coverage – Liability coverage will cover damage that occurs to a person or their property by causing an accident. This coverage protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for things like court costs, emergency aid, pain and suffering and attorney fees. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Comprehensive auto coverage – This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like damage from a tornado or hurricane, damage from flooding and hitting a bird. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and damage to your Cadillac STS.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical payments and PIP coverage – Med pay and PIP coverage pay for expenses for chiropractic care, nursing services, rehabilitation expenses and ambulance fees. They are utilized in addition to your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Collision – This will pay to fix damage to your STS resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like sideswiping another vehicle, sustaining damage from a pot hole, colliding with another moving vehicle, hitting a parking meter and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

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Best coverage at the best price

Drivers switch companies for a variety of reasons including being labeled a high risk driver, delays in paying claims, poor customer service and high prices. It doesn’t matter what your reason, switching companies can be easier than you think.

Affordable 2008 Cadillac STS insurance is definitely available on the web and also from your neighborhood agents, and you should compare price quotes from both to get a complete price analysis. Some insurance providers do not provide internet price quotes and these smaller providers prefer to sell through independent agents.

We covered quite a bit of information on how to lower your 2008 Cadillac STS insurance rates. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. You may even find the lowest priced insurance comes from a small mutual company.

For more information, feel free to visit the articles below:

• Parking Tips to Reduce Door Dings (State Farm)
• Frontal Crash Tests (iihs.org)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)

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