Lower Your 2009 Cadillac STS Insurance Quotes

Want cheaper insurance coverage rates for your Cadillac STS? If you are a novice to online insurance coverage shopping, most likely you are overwhelmed by the confusing number of companies who claim to have the best insurance coverage rates.

Get cheap insurance costs by understanding these factors

Lots of things are part of the equation when you get your auto insurance bill. Some are obvious such as your driving history, but other criteria are more obscure such as whether you are married or how financially stable you are.

The list below includes some of the items used by your company to calculate your rate level.

• lapses raise prices – Having a gap between insurance policy dates is a guaranteed way to drive up your policy premiums. Not only will you pay more, getting caught without coverage can result in fines and jail time.
• Gender and insurance coverage – Over the last 50 years, statistics have shown women tend to be less risk to insure than men. However, don’t assume that women are better drivers. Males and females tend to get into accidents in similar numbers, but males have costlier accidents. Not only are claims higher, but men get cited for more serious violations like DUI and reckless driving. Youthful male drivers generally have the highest accident percentage so they pay the highest premiums.
• How your age affects prices – Teen drivers are statistically proven to be easily distracted in a vehicle therefore car insurance rates are much higher. Older insureds are shown to be more cautious, tend to file fewer claims and receive fewer citations.
• Drive less and save – The higher the mileage driven every year the more you’ll pay to insure it. A lot of insurance companies apply a rate determined by how the vehicle is used. Cars that have low annual miles receive better premium rates than those that get driven frequently. Having an incorrect usage rating on your STS may be wasting your money. Ask your agent if your vehicle rating properly reflects the correct usage.

Double check you’re getting these discounts

Companies offering auto insurance don’t necessarily list their entire list of discounts very clearly, so we took the time to find both the well known and also the lesser-known discounts you could be receiving when you buy auto insurance online. If you are not receiving all the discounts possible, you’re just leaving money on the table.

• Home Ownership Discount – Being a homeowner can save a few bucks because it means you have a higher level of financial diligence.
• Full Payment Discount – By paying your entire bill at once instead of monthly or quarterly installments you can actually save on your bill.
• Discount for Life Insurance – Larger companies have a discount if you purchase a life insurance policy as well.
• First Accident Forgiveness – Not necessarily a discount, but some insurance companies will let one accident slide without the usual rate increase with the catch being you have to be claim-free before the accident.
• Theft Prevention System – Cars and trucks with anti-theft systems are less likely to be stolen and can earn a small discount on your policy.

Consumers should know that most credits do not apply to your bottom line cost. Most only reduce individual premiums such as comp or med pay. Just because it seems like all those discounts means the company will pay you, it just doesn’t work that way.

A list of insurance coverage companies and a selection of discounts are included below.

• 21st Century offers premium reductions for anti-lock brakes, driver training, automatic seat belts, 55 and older, homeowners, defensive driver, and teen driver.
• State Farm includes discounts for multiple policy, defensive driving training, driver’s education, good driver, Steer Clear safe driver discount, and Drive Safe & Save.
• AAA offers discounts including good driver, anti-theft, good student, pay-in-full, multi-car, education and occupation, and AAA membership discount.
• Liberty Mutual policyholders can earn discounts including new vehicle discount, new graduate, newly retired, good student, hybrid vehicle, and new move discount.
• Progressive may offer discounts for multi-vehicle, multi-policy, continuous coverage, good student, online signing, and online quote discount.

Double check with each company how many discounts you can get. Depending on the company, some discounts may not be available in your area. If you would like to view providers with significant discounts, follow this link.

Special considerations

When it comes to buying the right insurance coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that could help you determine if your insurance needs could use an agent’s help.

• Is my teenager covered with friends in the car?
• Am I getting all the discounts available?
• When should I not file a claim?
• Are all vehicle passengers covered by medical payments coverage?
• Does my 2009 Cadillac STS need full coverage?
• Do I have coverage when making deliveries for my home business?
• Does car insurance cover theft of personal property?
• Where can I get insurance after a DUI in my state?
• How much liability insurance is required?
• How can I force my company to pay a claim?

If you can’t answer these questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, complete this form.

Coverages available on your insurance policy

Knowing the specifics of your policy can be of help when determining the best coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Comprehensive insurance – This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like rock chips in glass, damage from getting keyed and a broken windshield. The most your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like hospital visits, dental work and pain medications. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Auto liability insurance – This can cover injuries or damage you cause to other people or property in an accident. It protects YOU against claims from other people, and doesn’t 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 might see limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for claims such as medical services, medical expenses and attorney fees. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.

Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like hitting a mailbox, sustaining damage from a pot hole, colliding with a tree, driving through your garage door and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers – This provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Online plus local equals savings

Some insurance companies may not offer the ability to get quotes online and these regional carriers only sell through independent agents. The cheapest 2009 Cadillac STS insurance is possible from both online companies and from local agencies, and you should compare rates from both in order to have the best chance of saving money.

We’ve covered quite a bit of information on how to save on 2009 Cadillac STS insurance. The key concept to understand is the more providers you compare, the better your comparison will be. Drivers may discover the best price on car insurance is with some of the smallest insurance companies.

As you go through the steps to switch your coverage, it’s very important that you do not reduce needed coverages to save money. In many cases, someone sacrificed collision coverage and discovered at claim time that they should have had better coverage. Your aim should be to purchase plenty of coverage at the best possible price, not the least amount of coverage.

To read more, feel free to visit the articles below:

• What is a Telematics Device? (Allstate)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• A Tree Fell on Your Car: Now What? (Allstate)