2006 Cadillac STS Insurance Quotes

Finding the lowest cost insurance on the internet can seem to be impossible for beginners to comparing rates online. When there are so many choices, how can drivers have a chance to compare the different rates to find the best available rates?

It is always a good idea to do rate comparisons before your policy renews because prices tend to go up over time. Just because you found the lowest price on STS coverage two years ago you may be paying too much now. Forget all the misinformation about insurance because you’re about to learn the tricks you need to know to lower your rates without sacrificing coverage.

Cadillac STS rates are in the details

Smart consumers have a good feel for the factors that go into determining your insurance rates. When you know what positively or negatively influences your rates enables informed choices that can help you get lower insurance prices.

  • Lower rates with optional equipment – Driving a car that has an advanced theft prevention system can help lower your rates. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder car theft.
  • Bump up deductibles to save – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Cadillac. A few examples of covered claims are running into the backend of another car, vandalism, and burglary. Physical damage deductibles are how much you are required to spend before your insurance pays a claim. The more money you have to pay, the less your insurance will be on STS coverage.
  • Multi-policy discounts can save money – Most companies will award you with lower prices to people who buy several policies from them in the form of a multi-policy discount. Even with this discount, it’s still a good idea to comparison shop to ensure the best deal.
  • Older drivers pay less – Older insureds are more responsible, tend to cause fewer accidents and are safer drivers. Young drivers have a tendency to be less responsible when behind the wheel therefore insurance rates are much higher.

Vehicle Insurance Comparison

All the larger car insurance companies such as Allstate, Geico and Progressive allow you to get insurance quotes on the web. Obtaining pricing is pretty painless as you just type in the coverages you want into the quote form. Upon sending the form, the system sends out for your driving and credit reports and returns a price quote based on these and other factors.

Being able to quote online helps simplify price comparisons, but having to visit multiple sites and fill out multiple forms is repetitive and time-consuming. But it is imperative to compare as many rates as possible if you want to find the lowest car insurance rates.

There is a better way!

A more efficient way to compare car insurance pricing requires only one form that analyzes rates from multiple companies. It’s a real time-saver, eliminates repetitive work, and makes quoting online much easier to do. After sending the form, it is rated and you can select any one of the quotes that you receive. If you find a better price you can simply submit the application and purchase coverage. It only takes a few minutes and can result in significant savings.

If you want to compare rates now, simply click here to open in new window and input your coverage information. If you currently have coverage, we recommend you duplicate the coverage information just like they are on your policy. This helps ensure you’re receiving rate quotes based on identical coverages.

Take advantage of discounts

Companies that sell car insurance do not list all available discounts very clearly, so we researched both the well known and the harder-to-find discounts you could be receiving.

  • Accident Waiver – A few companies permit an accident without raising rates as long as you don’t have any claims prior to the accident.
  • Payment Method – If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.
  • Homeowners Pay Less – Owning a house can save you money because maintaining a house requires personal responsibility.
  • New Vehicle Savings – Putting insurance coverage on a new car can save up to 30% since new cars are generally safer.
  • Discount for Life Insurance – Some companies give a discount if you purchase a life insurance policy as well.
  • Drive Safe and Save – Safe drivers may receive a discount up to 45% less on STS coverage than drivers with accident claims.

It’s important to understand that most credits do not apply to the entire cost. Most only cut the cost of specific coverages such as medical payments or collision. So even though they make it sound like adding up those discounts means a free policy, you’re out of luck.

For a list of providers with discount insurance coverage rates, click this link.

How to know if you need help

When it comes to buying the best auto insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s needs are different.

For example, these questions might help in determining whether you could use an agent’s help.

  • Is pleasure use cheaper than using my 2006 Cadillac STS to commute?
  • Exactly who is provided coverage by my policy?
  • How do I file an SR-22 for a DUI in my state?
  • Is business equipment covered while in my vehicle?
  • Do I need replacement cost coverage?
  • Are rental cars covered under my policy?
  • What is UM/UIM insurance?
  • I have health insurance so do I need medical payments coverage?
  • What is the minimum liability in my state?
  • How much liability do I need to cover my assets?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Specifics of your car insurance policy

Knowing the specifics of a car insurance policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Comprehensive auto coverage

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hitting a deer, rock chips in glass, hail damage, damage from getting keyed and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like funeral costs, X-ray expenses and doctor visits. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Coverage for liability

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

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims like court costs, attorney fees, repair costs for stationary objects, repair bills for other people’s vehicles and bail bonds. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Auto collision coverage

Collision insurance will pay to fix damage to your STS resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as sustaining damage from a pot hole, hitting a parking meter and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Cadillac STS.

Because many people 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 is important protection for you and your family.

Save your cold hard cash

We just showed you some good ideas how you can reduce 2006 Cadillac STS insurance prices online. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. Consumers could even find that the biggest savings come from the least-expected company.

Cheaper insurance can be found online and with local insurance agents, and you should be comparing both to get a complete price analysis. Some insurance companies do not offer the ability to get a quote online and these small insurance companies work with independent agents.

As you shop your coverage around, do not skimp on coverage in order to save money. In too many instances, someone dropped physical damage coverage and learned later that the savings was not a smart move. Your strategy should be to buy the best coverage you can find at an affordable rate while still protecting your assets.

More detailed insurance coverage information is located at these sites: