2010 Cadillac STS Car Insurance Quotes – 9 Tips for Best Rates

Overpriced auto insurance can empty your personal savings and force you to prioritize other expenses. Doing a rate analysis is an excellent way to slash your bill and have more diposable income.

With so many choices, it is very difficult to find the most affordable insurance company.

Pricing affordable protection is simple if you know the tricks. Just about anyone who shops for auto insurance should be able to save money. But drivers must learn how insurance companies sell insurance online.

Ways to get insurance quotes

Shopping for lower insurance rates can take hours if you don’t understand the fastest way to get free quotes. You can waste a lot of time driving to agents in your area, or you could save time and use the internet to get prices fast.

Many popular insurance companies are enrolled in a marketplace that enables customers to submit one quote, and every company can provide price quotes for coverage. This system prevents you from having to do quote requests to each company.

To find out how much you can save on insurance click here to open in new window.

The only downside to using this type of form is you are unable to specify which providers you will receive quotes from. So if you prefer to pick specific insurance companies to receive pricing from, we put together a list of the cheapest insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but be sure you’re using identical coverages with every price quote. If you have different values for each quote it’s not possible to make a fair comparison for your Cadillac STS. Having just a slight variation in coverage limits could mean much higher rates. And when price shopping your coverage, making a lot of price comparisons gives you a better chance of getting a lower rate than you’re paying now. Not every company does price estimates online, so it’s necessary to compare prices on coverage from those companies, too.

Take advantage of every insurance coverage discount

Car insurance companies do not advertise every policy discount in a way that’s easy to find, so the following list contains a few of the more common and also the more inconspicuous credits available to you.

• Multiple Policy Discount – If you have multiple policies and insure them both with the same insurance company you could earn a discount of up to 20% off your total premium.
• Senior Citizen Discount – If you’re over the age of 55, you may receive a slight reduction on a auto insurance quote on STS coverage.
• Braking Control Discount – Cars, trucks, and SUVs with anti-lock braking systems have fewer accidents so companies give up to a 10% discount.
• Theft Prevention System – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen so companies will give you a small discount.
• Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.
• Claim-Free Discount – Insureds with no claims or accidents are rewarded with significantly better rates on auto insurance quote in comparison to drivers who are more careless.
• Drive Less and Save – Driving less may allow you to get cheaper premium rates.
• Student Driver Training – Teen drivers should take driver’s ed class as it will make them better drivers and lower rates.
• New Vehicle Savings – Buying insurance coverage on a new vehicle can cost up to 25% less because newer vehicles are generally safer.

Please keep in mind that some of the credits will not apply to the entire policy premium. Some only reduce individual premiums such as comp or med pay. So even though it sounds like you would end up receiving a 100% discount, that’s just not realistic.

If you would like to see a list of insurance coverage companies who offer free insurance coverage quotes, click this link.

How to know if you need help

When it comes to buying proper insurance coverage, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that might point out whether you would benefit from an agent’s advice.

• Where can I find DUI or SR-22 insurance?
• Am I getting all the discounts available?
• What companies insure drivers after a DUI or DWI?
• If my pet gets injured in an accident are they covered?
• Do I need special endorsements for business use of my vehicle?
• Is my teenager covered with friends in the car?
• Will I be non-renewed for getting a DUI or other conviction?
• Does coverage extend to my business vehicle?
• Am I covered when driving a rental car?
• What can I do if my company won’t pay a claim?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area.

Car insurance coverage basics

Understanding the coverages of a car insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Car insurance terms can be confusing and coverage can change by endorsement. These are typical coverage types available from car insurance companies.

Comprehensive coverage (or Other than Collision)

This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as a broken windshield, hitting a bird, hail damage and damage from flooding. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like dental work, hospital visits, EMT expenses, doctor visits and nursing services. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Collision coverage

This coverage pays for damage to your STS resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as hitting a parking meter, hitting a mailbox and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Liability

Liability coverage protects you from damage that occurs to other’s property or people in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for things like attorney fees, repair bills for other people’s vehicles, medical services, court costs and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your 2010 Cadillac STS.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Usually the UM/UIM limits are similar to your liability insurance amounts.

Don’t break the bank

Cheaper auto insurance can be bought on the web and also from your neighborhood agents, and you should be comparing both to have the best selection. There are still a few companies who may not offer the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

We just presented a lot of information how to save on 2010 Cadillac STS insurance. The key concept to understand is the more companies you get premium rates for, the better chance you’ll have of finding inexpensive auto insurance. Consumers may even find the lowest car insurance rates come from a small local company. Regional companies can often insure niche markets at a lower cost than their larger competitors like State Farm, Geico and Nationwide.

For more information, feel free to visit the resources below:

• Teen Driving Statistics (iihs.org)
• Safety Belts FAQ (iihs.org)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)