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.
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.
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:
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.
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.
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.
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.
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.
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.
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:
Mercedes Hooper
Affordable car insurance is a myth. I live in a small town just outside of Los Angeles, CA. I compared lots of rates. Saved darn near $30 a month. GEICO was the best choice for me. Insured with Farmers before. God forbid I actually have a claim.
Elijah Bradshaw
From south side of Kansas City, KS. Received rates from Nationwide, Esurance, Allstate, and Auto-Owners for my XTS and saved $572 a year. Got better coverage too.
Charlie Carpenter
From northwest of Lincoln, NE. Quoted prices from AAA, MetLife, and some smaller one I can’t remember the name of for my XTS and I’m now saving $43 a month.
Birgit Berger
Enjoyed the article. I live just outside Gaithersburg, Maryland. Quoted with Allstate, Farmers, and Hanover for my 2013 Cadillac XTS and saved $467 a year. You can get a rate quote online.
Josue Levy
Found cheapest coverage with Hartford for my 2013 Cadillac XTS and cut my rates about $140 a year. Left Encompass to switch. Ask about discounts.
Billie Dickson
Good detail in your article. I live east of Idaho Falls, ID. I quoted with Auto-Owners, Sentry, and some smaller one I can’t remember the name of for my 2013 Cadillac XTS and saved $215 a year. Insured with The General before. Thankfully I’m not a high risk driver. :P
Jeniffer Lee
I live just outside Pittsburgh, Pennsylvania. Quoted quotes from Auto-Owners, Safeco, and some smaller one I can’t remember the name of for my XTS and saved $491 a year. Was with Liberty Mutual. Online quotes are the way to go.
Mara Avila
In Montgomery, AL try Allstate or Progressive. Both had decent prices.
Saturnina Conley
I found pretty cheap rate quotes for a 2013 Cadillac XTS in Overland Park, Kansas. Ended up at darn near $350 every six months with AIG Insurance. LOL
Daina Riddle
I’m in Huntington, WV. Quoted with GEICO, Hartford, and Farmers for my 2013 Cadillac XTS and saved $164 a year. Even increased my liability limits. Still almost need a second mortgage.