2005 Cadillac STS Insurance Quotes – 8 Ways to Save

Looking for the cheapest car insurance rates? Shoppers have many options when shopping for the lowest priced Cadillac STS insurance. They can either spend hours struggling with agents to compare prices or utilize the internet to compare rates.

There are both good and bad ways to find car insurance online and we’ll show you the best way to price shop coverage on a Cadillac and obtain the lowest price either online or from local insurance agents.

How to Compare Insurance Coverage

Finding lower insurance coverage rates is a fairly straight forward process. Just spend a few minutes on the computer comparing price quotes provided by online insurance companies. This is very easy and can be done in a couple of different ways.

The best way to find the lowest comparison rates is to use a rate comparison form click here to open form in new window. This easy form keeps you from doing separate quotes for every insurance coverage company. One form will get you price quotes from many national carriers. It’s the fastest way to compare.

Another way to get quotes online requires a visit to each company website and fill out their own quote form. For sake of this example, we’ll assume you want to compare USAA, Farmers and Progressive. To find out each rate you need to take the time to go to each site to enter your coverage information, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.

Which method you use is up to you, but make darn sure you compare the exact same coverage limits and deductibles for each comparison quote. If you enter higher or lower deductibles then you won’t be able to decipher which rate is best.

Do you qualify for a discount?

Properly insuring your vehicles can get expensive, but companies offer discounts to reduce the price significantly. Certain discounts will be triggered automatically when you purchase, but lesser-known reductions have to be manually applied before you will receive the discount. If you don’t get every credit available, you’re just leaving money on the table.

  • Clubs and Organizations – Belonging to certain professional organizations could trigger savings when shopping for insurance coverage for STS coverage.
  • Safe Driver Discount – Drivers who avoid accidents can get discounts for up to 45% lower rates for STS coverage than drivers with accidents.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • Discount for Swiching Early – Some insurance companies reward drivers for buying a policy prior to your current policy expiration. The savings is around 10%.
  • E-sign – A handful of insurance companies give back up to $50 just for signing your application online.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school.
  • Passive Restraint Discount – Cars that have air bags can get savings of more than 20%.
  • Drive Less and Save – Fewer annual miles on your Cadillac could qualify for a substantially lower rate.

Drivers should understand that many deductions do not apply to the entire cost. Most only cut the cost of specific coverages such as collision or personal injury protection. Just because you may think you would end up receiving a 100% discount, companies don’t profit that way. But all discounts will reduce the amount you have to pay.

Insurance companies that may have these discounts are:

It’s a good idea to ask each company what discounts are available to you. Discounts may not be available in your state.

What coverages do I need?

When buying the right insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is a little different.

For example, these questions may help you determine if you might need professional guidance.

  • Where can I get insurance after a DUI in my state?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • How can I find cheaper teen driver insurance?
  • Do I really need UM/UIM coverage?
  • Can I get a multi-policy discount?
  • When do I need to add a new car to my policy?
  • Will my rates increase for filing one claim?
  • Am I covered when driving someone else’s vehicle?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and can help protect your family.

Car insurance coverage basics

Learning about specific coverages of your policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Uninsured Motorist or Underinsured Motorist insurance – This provides protection when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these limits do not exceed the liability coverage limits.

Comprehensive coverage (or Other than Collision) – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hitting a deer, fire damage, a tree branch falling on your vehicle and hitting a bird. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for liability – Liability insurance can cover damages or injuries you inflict on a person or their property in an accident. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Some companies may use a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as emergency aid, loss of income and funeral expenses. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance kick in for immediate expenses like dental work, nursing services and chiropractic care. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Collision coverage – This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like backing into a parked car, hitting a mailbox and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.