2011 Cadillac STS Insurance Quotes – 8 Tricks for Cheapest Rates

I doubt anyone enjoys paying for insurance, especially knowing their premiums are too high.

Multiple insurers compete to insure your vehicles, so it can be very hard to choose a provider and get the best coverage at the lowest rate possible.

If you are paying for car insurance now, you will most likely be able to cut costs considerably using these tips. Finding the best rates is not rocket science. But consumers must learn the way companies market on the web and apply this information to your search.

These eight discounts can lower your insurance quotes

Some insurance providers don’t always advertise all their discounts in an easy-to-find place, so the list below details both well-publicized and the more hidden insurance savings.

• Sign Early and Save – A few insurance companies give discounts for signing up prior to your current policy expiring. It can save you around 10%.
• Resident Student – Any of your kids who are attending college and leave their car at home could get you a discount.
• Fewer Miles Equal More Savings – Driving fewer miles could qualify for lower prices due to less chance of an accident.
• Auto/Home Discount – When you combine your homeowners and auto insurance with one insurance company they may give you a discount of up to 20% off your total premium.
• Home Ownership Discount – Owning a house may earn you a small savings because of the fact that having a home requires a higher level of personal finance.
• Telematics Data Discounts – Policyholders that allow driving data collection to look at driving habits through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates as long as the data is positive.
• Student Discounts – This discount can earn a discount of 20% or more. You can use this discount normally up to age 25.
• Paperwork-free – A few companies will give you a small discount for signing up over the internet.

A little note about advertised discounts, some of the credits will not apply the the whole policy. Most only reduce the cost of specific coverages such as comp or med pay. Despite the fact that it seems like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business. Any qualifying discounts will positively reduce your overall premium however.

Larger insurance companies and the discounts they provide include:

• Geico has discounts for defensive driver, multi-policy, anti-theft, good student, membership and employees, seat belt use, and driver training.
• Auto-Owners Insurance policyholders can earn discounts including company car, paperless, multiple vehicles, good student, and paid in full.
• American Family offers discounts including accident-free, defensive driver, mySafetyValet, multi-vehicle, early bird, good driver, and good student.
• Esurance offers discounts for anti-theft, emergency road assistance, multi-car, multi-policy, and Pac-12 alumni.
• Progressive offers premium reductions for continuous coverage, multi-vehicle, good student, online quote discount, and multi-policy.
• State Farm may have discounts that include driver’s education, accident-free, good student, multiple policy, and defensive driving training.
• AAA may offer discounts for good driver, multi-car, multi-policy, pay-in-full, anti-theft, and education and occupation.

When quoting, ask every company which credits you are entitled to. Some discounts listed above may not apply in your state. If you would like to choose from a list of providers with significant discounts, click this link.

Different people need different car insurance coverages

When buying proper insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions may help highlight if your situation might need professional guidance.

• How can I get my company to pay me more for my totalled car?
• Should I buy additional glass protection?
• Do I need motorclub coverage?
• Do I need added coverage for expensive stereo equipment?
• Should I have a commercial auto policy?
• Is a new car covered when I drive it off the dealer lot?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Specific coverages for a Cadillac STS

Knowing the specifics of a auto insurance policy helps when choosing the right coverages for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. These are the normal coverages found on the average auto insurance policy.

Auto collision coverage

This coverage covers damage to your STS caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as damaging your car on a curb, crashing into a ditch, hitting a parking meter and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2011 Cadillac STS.

Due to the fact that many drivers 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 important protection for you and your family. Frequently these coverages are set the same as your liablity limits.

Comprehensive (Other than Collision)

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like a tree branch falling on your vehicle, falling objects, a broken windshield, damage from flooding and vandalism. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for liability

This will cover injuries or damage you cause to people or other property in an accident. This coverage protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability can pay for claims like pain and suffering, legal defense fees, court costs and funeral expenses. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for expenses for surgery, doctor visits, prosthetic devices, pain medications and funeral costs. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Stretch your dollar

In this article, we presented a lot of techniques to reduce 2011 Cadillac STS insurance prices online. The most important thing to understand is the more times you quote, the better your chances of lowering your rates. You may be surprised to find that the most savings is with a small mutual company. They may only write in your state and offer lower rates than their larger competitors like State Farm or Progressive.

As you prepare to switch companies, it’s very important that you do not reduce needed coverages to save money. There are many occasions where an insured dropped physical damage coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to get the best coverage possible at the lowest possible cost, not the least amount of coverage.

Additional detailed information is located at these sites:

• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Winter Driving (Insurance Information Insitute)
• Where can I buy Insurance? (Insurance Information Insitute)
• What is Gap Insurance? (Insurance Information Insitute)