2008 Cadillac STS Insurance Cost – 5 Tricks for Best Prices

Want lower insurance rates? Drivers have many options when trying to find the best price on Cadillac STS insurance. You can either spend your time calling around getting price quotes or utilize the internet to find the lowest rates.

There is a right way and a wrong way to find insurance online and you need to know the proper way to compare rates for your Cadillac and obtain the lowest possible price.

You need to compare rates quite often since rates change frequently. Despite the fact that you may have had the lowest price on STS insurance a year ago there is a good chance you can find better rates now. Ignore everything you know about insurance because you’re about to find out the easiest way to lower your rates without sacrificing coverage.

The purpose of this post is to help educate you on the best way to quote coverages and some money-saving tips. If you currently have a car insurance policy, you should be able to reduce your rates substantially using these techniques. Vehicle owners just need to learn the proper methods to get comparison quotes on the web.

Where Can I Get Cheap Insurance?

Getting a lower price on 2008 Cadillac STS insurance is actually quite simple. Drivers just need to take time getting comparison quotes online from several insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  • One of the simplest ways to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This type of form prevents you from having to do multiple quote forms to each individual insurance company. Taking the time to complete one form gets you coverage quotes instantly.It’s the quickest way to get rates.
  • A slightly less efficient method to obtain and compare quotes online is spending the time to visit each company’s website and fill out their own quote form. For instance, let’s assume you want to compare rates from USAA, 21st Century and Geico. You would have to spend time on each company’s site to enter your coverage information, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

It’s up to you which method you use, but make absolute certain that you use exactly the same deductibles and coverage limits with every price quote. If each company quotes mixed coverages then you won’t be able to truly determine the lowest rate.

How to save on Cadillac STS insurance

Insurance can cost an arm and a leg, but you may find discounts that you may not know about. Most are applied when you quote, but some may not be applied and must be manually applied before you will receive the discount. If you don’t get every credit you qualify for, you’re paying more than you need to.

  • Drive Less and Save – Keeping the miles down on your Cadillac could qualify for lower rates on the low mileage vehicles.
  • Anti-theft System – Anti-theft and alarm systems help deter theft and earn discounts up to 10%.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy can get a discount on all vehicles.
  • Clubs and Organizations – Participating in a qualifying organization may earn a discount when shopping for insurance coverage on STS insurance.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or automatic seat belts can get savings of more than 20%.

It’s important to understand that some of the credits will not apply to all coverage premiums. Most cut the price of certain insurance coverages like comprehensive or collision. So when it seems like it’s possible to get free car insurance, insurance coverage companies aren’t that generous. Any qualifying discounts will bring down your premiums.

Companies who might offer these discounts include:

It’s a good idea to ask each company which discounts you may be entitled to. All car insurance discounts may not be available in every state.

Tailor your coverage to you

When it comes to choosing the right insurance coverage, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help you determine if you would benefit from an agent’s advice.

  • Does my medical payments coverage pay my health insurance deductible?
  • Can I make deliveries for my home business?
  • I have a DUI can I still get coverage?
  • How high should my uninsured/underinsured coverage be in my state?
  • What is covered by UM/UIM coverage?
  • When can my company non-renew my policy?
  • Will my rates increase for filing one claim?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

Can switching companies really save?

Drivers constantly see and hear ads that promise big savings from companies such as State Farm, Allstate and Geico. All the companies have a common claim of big savings after switching your policy.

How do they all say the same thing? This is how they do it.

All the different companies have a preferred profile for the driver they prefer to insure. For example, a profitable customer could be over the age of 50, owns a home, and drives less than 10,000 miles a year. Any new insured who fits that profile will get the preferred rates and most likely will save when they switch companies.

Drivers who fall outside the requirements will have to pay more money and ends up with the driver buying from a lower-cost company. Company advertisements say “people who switch” not “everybody who quotes” save that much. That’s the way companies can truthfully make those claims.

Because of the profiling, it’s extremely important to compare many company’s rates. It is impossible to predict which insurance companies will fit your personal profile best.

Insurance policy specifics

Learning about specific coverages of your policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Auto collision coverage

Collision coverage covers damage to your STS resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as sustaining damage from a pot hole, rolling your car, backing into a parked car, damaging your car on a curb and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.

Auto liability

This coverage can cover damages or injuries you inflict on people or other property that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Some companies may use a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against things such as repair bills for other people’s vehicles, emergency aid, pain and suffering and medical services. How much liability coverage do you need? That is your choice, but buy as large an amount as possible.

Comprehensive protection

Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, fire damage, hitting a deer, falling objects and rock chips in glass. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Cadillac STS.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Frequently the UM/UIM limits are set the same as your liablity limits.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like nursing services, EMT expenses and X-ray expenses. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Be a penny pincher

We just covered some good ideas how to reduce 2008 Cadillac STS insurance prices online. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. Drivers may discover the lowest rates come from an unexpected company.

As you prepare to switch companies, never buy less coverage just to save a little money. In too many instances, consumers will sacrifice comprehensive coverage or liability limits and discovered at claim time that the savings was not a smart move. Your focus should be to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

Lower-priced insurance is definitely available both online and with local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies do not offer online price quotes and usually these small, regional companies provide coverage only through local independent agents.

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