Cheap 2008 Cadillac STS-V Insurance Rates

Searching for the cheapest car insurance rates for your Cadillac STS-V? Locating the cheapest insurance for a Cadillac STS-V can normally be a lot of work, but you can learn these tips to find lower rates.

There are more efficient ways to buy car insurance so you’re going to learn the best way to price shop coverage for a Cadillac and get the lowest possible price from both online companies and local agents.

Buy insurance coverage online

Shopping for lower insurance coverage rates is a ton of work if you don’t utilize the most efficient way to do it. You can spend your afternoon talking about coverages with agents in your area, or you can stay home and use online quoting to achieve your goal.

Most car insurance companies take part in a program that allows shoppers to submit one quote, and each participating company then returns a price quote for coverage. This system prevents you from having to do repetitive form submissions for every insurance coverage company. To enter your information into the quoting system, click to open in new window.

The only downside to getting quotes like this is you can’t choose which providers to get quotes from. If you wish to select specific providers to compare, we have a page of low cost insurance coverage companies in your area. Click here to view list.

It’s up to you which method you use, but make darn sure you compare apples-to-apples quote information on every quote. If your comparisons have unequal deductibles or liability limits it will be next to impossible to make a fair rate comparison.

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Informed decisions result in lower insurance rates

When buying insurance coverage it’s important to understand a few of the rating criteria that come into play when calculating your policy premiums. When you know what positively or negatively positively or negatively impacts your premiums, this enables you to make decisions that can help you get lower premium levels.

• Never let your policy lapse – Driving any period of time without insurance is illegal and you will pay a penalty because you let your coverage have a gap. And not only will your rates increase, the inability to provide proof of insurance could earn you a revoked license or a big fine.
• Cheaper to insure females? – The statistics show that females take fewer risks when driving. However, don’t assume that men are WORSE drivers than women. Males and females cause fender benders at about the same rate, but males tend to have more serious accidents. Men also receive more costly citations such as driving while intoxicated (DWI) or driving recklessly. Youthful male drivers cause the most accidents so it costs more to insure them.
• Infrequent drivers can save – The more you drive in a year’s time the higher the price you pay to insure it. The majority of insurers price each vehicle’s coverage based on how the vehicle is used. Vehicles left parked in the garage can be on a lower rate level as compared to vehicles used primarily for driving to work. Ask your agent if your insurance coverage declarations sheet is showing the proper vehicle usage, because it can save money. An incorrectly rated STS-V is just wasting money.
• Your location is a factor – Choosing to live in a small town can save you money when talking about insurance coverage. Lower population means less chance of accidents and lower theft and vandalism rates. People in densly populated areas have more aggressive driving styles and much longer commute distances. More time commuting means more chance of being in an accident.

Discounts for lower-cost car insurance rates

Some insurance providers don’t always advertise all available discounts very well, so below is a list both well-publicized and the harder-to-find discounts that may be available.

• E-sign Discounts – A few car insurance companies will give you a small discount for completing your application over the internet.
• Memberships – Belonging to a civic or occupational organization may earn a discount when getting a insurance quote.
• Multiple Cars – Drivers who insure multiple cars on a single policy can reduce rates for all insured vehicles.
• Discounts for Government Workers – Active or former government employment can earn a discount up to 10% for STS-V coverage depending on your car insurance provider.
• Multiple Policy Discount – If you have multiple policies with one company they may give you a discount of at least 10% off all policies.
• ABS Braking Discount – Vehicles with anti-lock braking systems are safer to drive so you can save 10 percent or more.
• Senior Citizens – Seniors may receive a small discount on rates for STS-V coverage.
• Military Rewards – Being on active duty in the military could mean lower premium rates.
• Switch and Save Discount – Some larger companies reward drivers for switching to them before your current coverage expires. Ten percent is about the average savings.

It’s important to understand that some credits don’t apply to your bottom line cost. A few only apply to the cost of specific coverages such as comprehensive or collision. So even though they make it sound like all the discounts add up to a free policy, it just doesn’t work that way.

Some of the insurance companies that have these money-saving discounts are:

• Progressive
• The Hartford
• Mercury Insurance
• Geico
• AAA
• State Farm

When getting a coverage quote, ask every prospective company how many discounts you can get. Depending on the company, some discounts may not apply to policyholders in every state. If you would like to choose from a list of insurers that offer the discounts shown above, click here.

Tailor your car insurance coverage to you

When choosing adequate coverage for your vehicles, there is no “best” method to buy coverage. Every insured’s situation is different.

These are some specific questions can help discover whether you could use an agent’s help.

• Can my teen driver be rated on a liability-only vehicle?
• What is PIP insurance?
• What is medical payments coverage?
• Why am I required to buy liability insurance?
• Is my cargo covered for damage or theft?
• Am I covered when driving someone else’s vehicle?
• Do I pay less for low miles?
• How much liability do I need to cover my assets?
• Is my teen driver covered when they drive my company car?
• Do I have newly-aquired coverage?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and can help protect your family.

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Educate yourself about auto insurance coverages

Understanding the coverages of auto insurance aids in choosing which coverages you need for your vehicles. Auto insurance terms can be confusing and reading a policy is terribly boring.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for ambulance fees, prosthetic devices, doctor visits and dental work. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

Liability insurance provides protection from injuries or damage you cause to other’s property or people. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Some companies may use a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like repair costs for stationary objects, structural damage, attorney fees, funeral expenses and court costs. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Collision protection

Collision coverage covers damage to your STS-V resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like damaging your car on a curb, rolling your car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your Cadillac STS-V.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Usually these limits are similar to your liability insurance amounts.

Comprehensive coverage

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as theft, fire damage, vandalism and rock chips in glass. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Make a quick buck

Discount 2008 Cadillac STS-V insurance can be found from both online companies and from local insurance agents, so get free insurance quotes from both of them to get a complete price analysis. Some insurance companies may not offer rates over the internet and usually these small insurance companies provide coverage only through local independent agents.

When buying insurance coverage, it’s very important that you do not sacrifice coverage to reduce premiums. Too many times, an insured cut liability coverage limits only to find out that the savings was not a smart move. Your goal should be to buy enough coverage at the best possible price while still protecting your assets.

We just showed you a lot of tips how to compare 2008 Cadillac STS-V insurance rates online. The key concept to understand is the more you quote insurance, the better your comparison will be. You may even find the lowest priced auto insurance comes from an unexpected company.

Helpful learning opportunities

• What is Covered by GAP Insurance? (Allstate)
• What is a Telematics Device? (Allstate)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• What is Full Coverage? (Allstate)
• Tread Depth and Tire Safety (State Farm)

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