View 2005 Cadillac STS Car Insurance Quotes

Did a good deal turn out to be an overpriced car insurance policy? Say no more because there are many drivers thinking the same thing.

Since drivers have many insurance providers from which to choose, it is hard for the average consumer to pick the most affordable insurer.

Consumers need to check car insurance prices once or twice a year because prices are rarely the same from one policy term to another. Even if you got the best price on STS insurance last year you can probably find a better rate quote now. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to the only way to find the best coverage while lowering your premiums.

How to buy auto insurance online

To find the best auto insurance rates, there are several ways to get quotes from different insurance companies. The simplest method to compare 2005 Cadillac STS insurance prices is simply to get online rate quotes. This can be done in a couple minutes as outlined below.

  1. The most efficient method to find low rates is to use a rate comparison form (click to open form in new window). This form prevents you from having to do a different quote to each individual auto insurance company. One simple form will get you rate comparisons from many national carriers.
  2. A slightly less efficient method to obtain and compare quotes online requires visiting the website of each company and repeat the quote process. For sake of this example, let’s assume you want to get rates from Nationwide, Allstate and Farmers. To get rate quotes you would need to take the time to go to each site and enter your policy data, which can take a lot of time.

    For a list of links to companies insuring cars in your area, click here.

  3. The least recommended way to get rate quotes is to spend your day driving to different agent offices. Buying insurance online makes this process obsolete unless you prefer the guidance of a local agent. However, consumers can compare online quotes but buy from a local insurance agent.

The approach you take is up to you, just make sure you use identical coverages for each price quote. If you use different limits and deductibles on each one you will not be able to get a fair rate comparison. Slightly different coverage limits can result in a big premium difference. And when comparing auto insurance rates, know that getting more free quotes gives you a better chance of getting a better price.

You may qualify for discounts

Insuring your vehicles can cost a lot, but there’s a good chance there are discounts that many people don’t even know exist. Many discounts should be triggered at quote time, but a few must be inquired about before they will apply.

  • Discounts for Multiple Vehicles – Buying coverage for primary and secondary vehicles with the same company can reduce the rates for all insured vehicles.
  • Discounts for Good Drivers – Insureds without accidents may receive a discount up to 45% on STS insurance than their less cautious counterparts.
  • Discount for Swiching Early – A few larger companies give discounts for switching companies prior to the expiration date on your current policy. This can save 10% or more.
  • Claim-Free Discount – Drivers with accident-free driving histories pay less when compared to accident-prone drivers.
  • Membership in Organizations – Having an affiliation with a civic or occupational organization could trigger savings on your next renewal.
  • Mature Driver Discount – If you’re over the age of 55, you can get a slight reduction on a auto insurance quote on STS insurance.
  • Discounts for Federal Employees – Having worked for a branch of the government could cut as much as 10% off on STS insurance with some insurance companies.
  • Online Discount – Certain insurance companies will give a small break for buying a policy and signing up over the internet.
  • Passive Restraints – Factory options such as air bags may qualify for discounts of up to 25% or more.

Please keep in mind that most of the big mark downs will not be given to the entire cost. Most only cut specific coverage prices like collision or personal injury protection. So even though it sounds like it’s possible to get free car insurance, you’re out of luck.

A few popular companies and their possible discounts include:

  • State Farm has discounts for student away at school, good driver, safe vehicle, Steer Clear safe driver discount, passive restraint, and driver’s education.
  • Farmers Insurance has savings for early shopping, mature driver, homeowner, switch companies, and distant student.
  • GEICO offers premium reductions for five-year accident-free, anti-lock brakes, multi-vehicle, daytime running lights, multi-policy, and federal employee.
  • American Family discounts include air bags, Steer into Savings, early bird, defensive driver, bundled insurance, TimeAway discount, and accident-free.
  • Nationwide offers discounts for Farm Bureau membership, multi-policy, good student, business or organization, anti-theft, and accident-free.
  • Progressive may have discounts that include multi-policy, online quote discount, continuous coverage, homeowner, and multi-vehicle.

If you want cheap auto insurance quotes, ask every prospective company which discounts you may be entitled to. A few discounts might not apply in your state. To see insurers who offer free insurance quotes, click here to view.

Four things that affect your insurance prices

Many different elements are part of the calculation when premium rates are determined. Some factors are common sense such as your driving history, but others are not quite as obvious such as your marital status or your financial responsibility.The best way to find cheaper insurance coverage is to take a look at the different types of things that play a part in calculating your insurance coverage rates. When you understand what controls the rates you pay, this allows you to make good choices that will entitle you to lower insurance coverage prices.

The following are some of the most common factors companies use to determine your prices.

  • Compare rates if you consolidate your policies – The majority of insurers apply better rates for people who buy several policies from them such as combining an auto and homeowners policy. Discounts can add up to five, ten or even twenty percent. Even though this discount sounds good, consumers should still compare other insurance prices to help ensure you have the lowest rates. Drivers may still save even more even if you have your coverage with different companies
  • Teen drivers pay more – Teenage drivers are statistically shown to be inattentive when driving with friends so they pay higher insurance coverage rates. Parents adding a first-time driver to your policy can really hurt. Older insureds tend to be more responsible, statistically cause fewer accidents , and usually have better credit.
  • Do thieves like your car? – Owning a car with anti-theft technology or alarm system can get you a discount on your insurance coverage. Advanced theft deterrents like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your car from being stolen.
  • Adjust comp and collision deductibles and save – Physical damage protection, also known as collision and other-than-collision, covers damage that occurs to your Cadillac. Some examples of covered claims are a broken side mirror, hitting a deer, and burglary. Comprehensive and collision coverage deductibles represent how much money you are required to spend out-of-pocket if a claim is determined to be covered. The more of the claim you are required to pay out-of-pocket, the lower your rates will be on STS insurance.

There’s no such thing as the perfect insurance policy

When it comes to buying the right insurance coverage for your personal vehicles, there is no best way to insure your cars. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions might help in determining if your insurance needs would benefit from an agent’s advice.

  • What should my uninsured motorist coverage limits be in my state?
  • Should I file a claim if it’s only slightly more than my deductible?
  • What companies insure drivers after a DUI or DWI?
  • How can I force my company to pay a claim?
  • Do I really need UM/UIM coverage?
  • Am I covered if I wreck a rental car?
  • Where can I find DUI or SR-22 insurance?
  • Will my insurance pay for OEM parts?
  • Am I covered when driving a rental car?
  • Am I covered if my car is in a flood?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Tricks in auto insurance advertising

Allstate and Progressive constantly bombard you with ads on television and other media. All the ads make the point that drivers can save some big amount if you get a free auto insurance quote and switch your auto insurance policy to them. How is it plausible that every one can charge lower premium rates? This is the way they can do it.

Companies have strict underwriting profiles for the type of driver that is profitable for them. One example of a desirable insured may be a female over age 40, has other policies, and drives newer vehicles. A driver that matches those criteria will get very good car insurance rates and will most likely save some money.

Potential customers who do not meet these criteria will probably have to pay higher prices and business going elsewhere. Company advertisements say “customers that switch” not “everyone who quotes” can save as much as they claim. That’s why insurance companies can confidently advertise the savings. This illustrates why it’s extremely important to do a quote comparison often. Because without a comparison, you cannot know the company that will have the best premium rates at this point in time.

Car insurance 101

Having a good grasp of a auto insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages available from auto insurance companies.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for bills for dental work, hospital visits, surgery and pain medications. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Comprehensive auto insurance

This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as hail damage, hitting a deer, falling objects and damage from a tornado or hurricane. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Liability coverages

This coverage can cover injuries or damage you cause to people or other property in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims like court costs, pain and suffering, medical services and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Collision protection

Collision insurance pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like rolling your car, crashing into a ditch, damaging your car on a curb and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

In conclusion

We’ve covered many ideas to reduce 2005 Cadillac STS insurance premium rates online. The most important thing to understand is the more companies you get prices for, the better your chances of lowering your prices. You may even discover the best premium rates are with a company that doesn’t do a lot of advertising. They can often provide lower prices in certain areas compared to the large companies like State Farm and Allstate.

Some companies do not provide online rate quotes and usually these smaller companies work with local independent agencies. Affordable 2005 Cadillac STS insurance can be purchased online and with local insurance agents, so you should be comparing quotes from both so you have a total pricing picture.

Much more information about car insurance can be read at the links below