Compare 2013 Cadillac XTS Car Insurance Cost

There isn’t a single person who looks forward to paying for auto insurance, especially when they could lower their rates if they shopped around.

With so many options, it is hard for the average consumer to pick the right auto insurance provider.

The purpose of this post is to tell you how to get online quotes and some tricks to saving. If you have car insurance now, you should be able to lower your premiums substantially using these tips. Nevertheless, drivers must know how the larger insurance companies compete online and use this information to your advantage.

Discounts to earn cheap car insurance rates

Not too many consumers would say car insurance is affordable, but you can get discounts that you may not even be aware of. A few discounts will automatically apply at quote time, but some must be asked about before they will apply.

• Passive Restraints – Options like air bags can get savings of 20% or more.
• Low Mileage – Driving less can earn slightly better car insurancerates than normal.
• Online Discount – Some of the larger companies will give a small break get car insurance digitally online.
• Theft Deterent Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems are stolen less frequently and will save you 10% or more.
• Life Insurance Discount – Not all insurance companies offer life insurance, but some may give you a discounted price on car insurance if you buy a life policy as well.
• Anti-lock Brakes – Cars equipped with ABS or steering control prevent accidents and the ABS can save up to 10%.
• Drive Safe and Save – Accident-free drivers may save up to 50% more for XTS coverage than less cautious drivers.
• Military Rewards – Being on active duty in the military could mean lower prices.
• Discounts for Multiple Vehicles – Drivers who insure all your vehicles on one policy could earn a price break for each car.

It’s important to understand that some credits don’t apply to your bottom line cost. A few only apply to individual premiums such as comprehensive or collision. So when it seems like adding up those discounts means a free policy, you won’t be that lucky.

Some of the insurance companies that may include most of these discounts include:

• State Farm
• Farmers Insurance
• Geico
• American Family
• Nationwide
• Progressive

If you are trying to find cheaper car insurance quotes, ask every insurance company which discounts they offer. Savings might not be offered in your area. For a list of insurers that offer many of these discounts, click here to view.

How to lower your insurance rates

Lots of things are used when premium rates are determined. Some are obvious like a motor vehicle report, but some are less apparent like where you live and annual miles driven.When buying insurance it’s important to understand some of the factors that help determine the level of your policy premiums. When consumers understand what controls the rates you pay, this allows you to make educated decisions that can earn you lower premium levels.

• Insurance prices and driver gender – Over the last 30 years, statistics show that females take fewer risks when driving. This data doesn’t prove that women are BETTER drivers than men. They both cause fender benders in similar numbers, but the male of the species tend to have higher claims. Not only are claims higher, but men get higher numbers of serious violations such as DWI and reckless driving. Males from age 16 to 21 are the most expensive to insure so it costs more to insure them.
• Is you vocation costing you more? – Careers like fire fighters, executives and emergency personnel generally pay the highest rates in part from job stress and lots of time spent away from family. On the other hand, occupations like actors, historians and retirees have the lowest average rates for XTS coverage.
• More miles equals more premium – The more you drive your Cadillac every year the higher your rate. The majority of insurers charge to insure your cars partially by how you use the vehicle. Autos that have low annual miles can be on a lower rate level than those that get driven frequently. An incorrectly rated XTS can cost quite a bit. Make sure your policy states the correct driver usage, because it can save money.
• Always keep your coverage in force – Going without insurance can be a guaranteed way to increase your renewal premiums. Not only will rates go up, failure to provide proof of insurance will get you a fine, jail time, or a revoked license.
• Bundle policies to earn discounts – Most companies will award a discount to people who buy several policies from them, otherwise known as a multi-policy discount. Even with this discount, it’s still a good idea to check prices from other companies to ensure the best deal. You may still save even more than the discount by splitting coverages up.
• Do you know your coverage deductibles? – Comprehensive and collision coverage deductibles are the amount of money you are willing to pay out-of-pocket if a claim is determined to be covered. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Some examples of claims that would be covered would be colliding with a stationary object, damage from fire, and having a roll-over accident. The more you choose to pay out-of-pocket, the lower your rates will be for XTS coverage.
• Better prices on safer vehicles – Vehicles with good safety scores tend to be cheaper to insure. Vehicles built for safety help reduce the chance of injuries in an accident and better occupant protection means less money paid by your insurance company and lower rates for you. If your Cadillac is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
• With age comes lower costs – Teen drivers are proven to get distracted easily when behind the wheel so insurance rates are higher. Having to add a beginning driver onto a policy can be quite pricey. Mature drivers are viewed as being more responsible, cost insurance companies less in claims , and are generally more financially stable.

Tailor your insurance coverage to you

When buying adequate coverage for your personal vehicles, there really is not a single plan that fits everyone. Every insured’s situation is different and your policy should reflect that. For example, these questions might point out whether your personal situation might need professional guidance.

• Can I rate high risk drivers on liability-only vehicles?
• What if I owe more than I can insure my car for?
• If my 2013 Cadillac XTS is totaled, can I afford another vehicle?
• What are the best liability limits?
• Do I need replacement cost coverage?
• Do I need roadside assistance coverage?
• Will I be non-renewed for getting a DUI or other conviction?
• Is pleasure use cheaper than using my 2013 Cadillac XTS to commute?

If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Save 15 percent in 15 minutes? Is it for real?

Insurance providers like State Farm and Allstate constantly bombard you with ads on television and other media. They all seem to have a common claim about savings just by switching your policy. How do they all offer you a better deal?

Insurance providers are able to cherry pick for the right customer that earns them the highest profit. A good example of a desirable risk could be a female over age 40, has a clear driving record, and drives less than 10,000 miles a year. Any customer who fits that profile will get low rates and will most likely save when they switch companies.

Drivers who fall outside this ideal profile will get higher premium rates and ends up with business not being written. The ads state “drivers who switch” not “everyone who quotes” save that much. That’s the way companies can truthfully make those statements.

Because every company is different, you absolutely need to quote coverage with many companies. Because you never know the company that will fit your personal profile best.

Car insurance coverage information

Having a good grasp of car insurance aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring. Shown next are typical coverages found on most car insurance policies.

Collision coverage – This coverage covers damage to your XTS caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as damaging your car on a curb, crashing into a ditch, hitting a mailbox and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Comprehensive insurance – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, falling objects, hail damage, a broken windshield and damage from flooding. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance reimburse you for bills such as nursing services, X-ray expenses and rehabilitation expenses. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Cadillac XTS.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these limits are similar to your liability insurance amounts.

Liability coverage – Liability insurance can cover injuries or damage you cause to other people or property by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for things like repair bills for other people’s vehicles, structural damage and emergency aid. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Better coverage you can count on

Affordable 2013 Cadillac XTS insurance is possible both online and also from your neighborhood agents, so you should be comparing quotes from both to have the best chance of lowering rates. A few companies do not offer the ability to get a quote online and these regional insurance providers prefer to sell through independent agencies.

We just covered some good ideas how you can compare 2013 Cadillac XTS insurance rates online. The key concept to understand is the more rate quotes you have, the better your chances of lowering your car insurance rates. Drivers may discover the best rates are with the least-expected company. Regional companies often have lower car insurance rates on specific markets than the large multi-state companies such as Geico and State Farm.

As you shop your coverage around, it’s very important that you do not buy lower coverage limits just to save a few bucks. In too many instances, drivers have reduced collision coverage only to regret at claim time that the savings was not a smart move. Your focus should be to find the BEST coverage for the lowest price while still protecting your assets.

Additional detailed information is available in the articles below:

• Distracted Driving (Insurance Information Insitute)
• Teen Driver Licensing Information (iihs.org)
• How to Avoid Common Accidents (State Farm)
• Auto Insurance FAQ (Farmers Insurance)