Save on 2011 Cadillac STS Insurance Rates

Being forced to pay for overpriced car insurance premiums can eat up your savings and put a big crunch on your finances. Comparing price quotes can save money and help to lower your bills every month.

Popular companies such as Allstate, Progressive and Geico all claim big savings, bombarding you with ad campaigns and it is difficult to see past the geckos and flying pigs and take the time to shop coverage around.

If you are insured now or are just looking to switch companies, you can use these tips to reduce the price you pay while maintaining coverages. Choosing the best insurance company for you is not rocket science. Drivers only need an understanding of the proper way to get comparison quotes on the web.

Discounts to earn lower-cost car insurance rates

Not too many consumers would say car insurance is affordable, but you might already qualify for some discounts to help bring down the price. A few discounts will automatically apply at the time of quoting, but a few must be manually applied prior to getting the savings.

• Theft Deterent Discount – Cars, trucks, and SUVs that have factory anti-theft systems prevent vehicle theft and can earn a small discount on your policy.
• More Vehicles More Savings – Having multiple cars or trucks on one policy can get a discount for every vehicle.
• Driving Data Discount – Insureds that choose to allow companies to study when and where they use their vehicle by using a telematics device such as State Farm’s In-Drive may see discounts as long as the data is positive.
• Government Employees – Being employed by or retired from a federal job can earn a discount up to 10% for STS insurance with select insurance companies.
• Discount for Passive Restraints – Factory options such as air bags or motorized seat belts can qualify for discounts of 25 to 30%.
• Homeowners Pay Less – Simply owning a home can save you money because of the fact that having a home demonstrates responsibility.
• 55 and Retired – Drivers that qualify as senior citizens may qualify for a slight reduction on a insurance coverage quote for STS insurance.
• Early Signing – A few larger companies give discounts for buying a policy prior to your current policy expiration. You could save around 10% when you buy insurance coverage online.
• Anti-lock Brake System – Cars, trucks, and SUVs with anti-lock braking systems are much safer to drive so companies give up to a 10% discount.

One thing to note about discounts is that most discount credits are not given to the entire cost. Most only cut specific coverage prices like comp or med pay. Despite the appearance that you would end up receiving a 100% discount, you aren’t that lucky.

A partial list of companies that possibly offer these benefits include:

• State Farm
• Geico
• Liberty Mutual
• The Hartford
• MetLife
• Progressive

When getting a coverage quote, ask every company which credits you are entitled to. Some of the discounts discussed earlier might not be offered on policies in your state. If you would like to choose from a list of car insurance companies who offer online car insurance quotes, click this link.

The easiest way to compare insurance rates in your area is to realize almost all companies actually pay money for the chance to quote your coverage. To begin a comparison, all you need to do is provide a small amount of information such as what you do for a living, coverage limits, your education level, and the year, make and model of vehicles. Your rating data gets transmitted to insurance carriers in your area and you will get price comparisons instantly.

Learn how to get auto insurance cheaper

Smart consumers have a good feel for the factors that aid in calculating the level of your policy premiums. If you have some idea of what controls the rates you pay, this helps enable you to make changes that can earn you lower premium levels.

• Younger drivers pay more – Drivers with little experience are proven to be inattentive and easily distracted when at the wheel of a vehicle therefore auto insurance rates are much higher. Having to add a first-time driver to your policy can increase premiums substantially. Older insureds are more cautious drivers, tend to file fewer claims , and are generally more financially stable.
• Where you reside – Residing in a rural area may provide you with better prices when trying to find low car insurance rates. People in densly populated areas have congested traffic and longer commute times. Fewer drivers on the road translates into fewer accident claims as well as less vandalism and auto theft.
• Gender impacts premiums – The statistics show that men are more aggressive behind the wheel. Now that doesn’t mean men are WORSE drivers than women. They both have auto accidents in similar percentages, but men get into accidents with more damage. Men also tend to get more serious tickets such as reckless driving.
• Do you really need the incidental coverages? – There are quite a few extra coverages that sound like a good idea at the time if you aren’t diligent. Things like personal injury protection, towing coverage, and term life insurance are probably not needed. You may think they are a good idea at first, but your money might be better spent on other coverage so consider taking them off your policy.
• Companies want multiple policies – Most larger companies will give discounts to customers that purchase more than one policy in the form of a multi-policy discount. Even though this discount sounds good, drivers will still want to comparison shop to help guarantee you have the best rates. Consumers may save money by buying auto insurance from a different company.
• Accidents can increase premiums – Only having one citation may increase your cost by as much as thirty percent. Careful drivers have lower premiums than their less careful counterparts. Drivers who have serious violations such as reckless driving or DUI are required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to legally drive.
• Low coverage deductibles can be expensive – Comp and collision deductibles represent how much money you are willing to pay out-of-pocket if the claim is covered. Physical damage protection, also called ‘full coverage’, protects your car from damage. Some coverage claims would be a windshield broken by a bird, collision with a deer, and damage caused by road hazards. The higher the amount the insured is willing to pay, the lower your rates will be for STS insurance.
• Gaps in coverage mean higher premiums – Allowing your auto insurance policy to lapse is a guaranteed way to trigger a rate increase. And not only will insurance be more expensive, failure to provide proof of insurance might get you a hefty fine and possibly a revoked license.

Tailor your auto insurance coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a one size fits all plan. Every situation is different so your insurance needs to address that. For example, these questions can aid in determining if your situation might need an agent’s assistance.

• Should I buy full coverage?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Does my insurance cover damage caused when ticketed for reckless driving?
• What is high-risk coverage and where do I buy it?
• Can my babysitter drive my car?
• What companies insure drivers after a DUI or DWI?
• Where can I find DUI or SR-22 insurance?

If it’s difficult to answer those questions but you think they might apply to your situation, 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 It’s fast, free and may give you better protection.

Auto insurance buyers beware

Consumers can’t get away from all the ads that promise big savings for switching from the likes of Progressive, Geico, Allstate and State Farm. All the companies advertise the message about savings if you change to their company.

How is it possible that every company can claim to save you money?

Most companies have underwriting criteria for the type of insured that makes them money. A good example of a profitable customer could be over the age of 35, has never had a policy lapse, and drives less than 7,500 miles a year. Anybody that matches those criteria will get the preferred prices and as a result will probably save quite a bit of money when switching.

Drivers who do not match those standards will get a higher rate and this can result in the customer not purchasing. If you listen to the ad wording, they say “people who switch” not “everybody who quotes” will save that much if they switch. This is how companies can truthfully lure you into getting a quote. Different companies use different criteria so you really need to compare free insurance coverage quotes often. It’s just too difficult to predict which insurance companies will provide the lowest rates.

Specifics of your insurance policy

Learning about specific coverages of insurance helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages offered by insurance companies.

Liability insurance – Liability coverage will cover damage that occurs to people or other property in an accident. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage pays for things like court costs, loss of income, repair bills for other people’s vehicles and structural damage. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Coverage for medical payments – Med pay and PIP coverage reimburse you for bills for things like chiropractic care, ambulance fees and prosthetic devices. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hail damage, a tree branch falling on your vehicle, hitting a deer, theft and falling objects. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like scraping a guard rail, hitting a mailbox, crashing into a ditch and rolling your car. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage – This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family and also any damage incurred to your Cadillac STS.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

More quotes. Lower rates.

Throughout this article, we presented some good ideas how to reduce 2011 Cadillac STS insurance rates online. The key concept to understand is the more providers you compare, the better your comparison will be. Drivers may discover the lowest rates are with a lesser-known regional company. Some small companies can often provide lower car insurance rates in certain areas as compared to the big name companies such as Allstate or State Farm.

As you quote insurance coverage, you should never reduce coverage to reduce premium. There have been many cases where consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase plenty of coverage for the lowest price, but do not skimp to save money.

Additional information can be read at these links:

• Your Car has been Stolen: Now What? (Allstate)
• All About Airbag Safety (State Farm)
• Shopping for a Safe Car (Insurance Information Insitute)
• State Laws for Cellphones and Texting (iihs.org)
• What Does No-Fault Insurance Cover? (Allstate)
• Winter Driving (Insurance Information Insitute)