2006 Cadillac STS Car Insurance Quotes

Finding cheaper insurance for a Cadillac STS can be a painful process, but you can use a few tricks to save time. There is a better way to compare auto insurance rates and we’ll show you the quickest way to quote coverages for a new or used Cadillac and get the lowest price from local insurance agents and online providers.

It’s important to compare premium rates quite often because insurance prices fluctuate regularly. Even if you got the best rates for STS coverage six months ago you can probably find a better rate quote now. There is lot of inaccurate information about auto insurance out there, but I’m going to show you the easiest ways to lower your auto insurance bill.

Choosing the best insurance company for you is easy if you know what you’re doing. If you are insured now or are looking for a new policy, you will benefit by learning to cut your premiums and still get good coverage. Drivers only need an understanding of the most effective way to shop for auto insurance online.

Ways to get auto insurance price quotes

Effectively comparing auto insurance prices can be exhausting if you don’t understand the easiest way. You could waste a few hours talking about coverages with insurance agencies in your area, or you could use the internet to get the quickest rates.

Many companies participate in a marketplace where prospective buyers complete one form, and each participating company can give them a price based on that data. This system prevents you from having to do quote requests to each individual auto insurance company. To compare pricing click here (opens in new window).

One minor caviat to using this type of form is that consumers can’t choose which insurance companies to get pricing from. So if you prefer to pick specific insurance companies to compare rates, we have a page of low cost auto insurance companies in your area. Click here for list of insurance companies.

Whichever way you use, be sure you’re using the same coverages and limits on every quote you get. If you are comparing differing limits it will be nearly impossible to make a fair rate comparison.

Find hidden discounts on auto insurance

Some insurers do not list all possible discounts very clearly, so we took the time to find a few of the more well known in addition to some of the lesser obvious credits available to you.

Waiver for an Accident – Not really a discount, but companies like State Farm, Progressive and GEICO will allow you to have one accident without getting socked with a rate hike so long as you are claim-free for a certain period of time.
Organization Discounts – Having an affiliation with specific professional or occupational memberships or organizations is a good way to get lower rates when shopping for auto insurance.
Senior Discount – If you qualify as a senior citizen, you may be able to get a discount up to 10% for STS coverage.
No Accidents – Insureds with no claims or accidents have much lower rates compared to accident-prone drivers.
Responsible Driver Discount – Accident-free drivers can get discounts for up to 45% lower rates for STS coverage than less cautious drivers.
Life Insurance – Insurance carriers who offer life insurance give a discounted rate on car insurance if you buy life insurance.

One thing to note about discounts is that most credits do not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, you’re out of luck. But all discounts should definitely cut your policy premiums.

Companies and a partial list of their discounts are:

State Farm has savings for accident-free, defensive driving training, multiple policy, good driver, and multiple autos.
GEICO includes discounts for defensive driver, membership and employees, military active duty, good student, and anti-lock brakes.
Liberty Mutual offers premium reductions for safety features, newly married, good student, multi-policy, new move discount, exclusive group savings, and teen driver discount.
The Hartford policyholders can earn discounts including air bag, defensive driver, anti-theft, good student, bundle, vehicle fuel type, and driver training.
MetLife offers discounts for good student, claim-free, good driver, accident-free, and multi-policy.
Progressive offers discounts including multi-vehicle, good student, online quote discount, homeowner, multi-policy, online signing, and continuous coverage.

If you want the cheapest insurance coverage quotes, ask each company which credits you are entitled to. Some discounts listed above may not apply to policies in your area. To see companies who offer online auto insurance quotes, click this link.

Tailor your car insurance coverage to you

When it comes to choosing adequate coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is a little different.

These are some specific questions can help discover if your situation would benefit from professional advice.

Does my policy cover my teen driver if they drive my company car?
I don’t drive much so do I pay less?
Should I buy full coverage?
Which is better, split liability limits or combined limits?
Should I drop comprehensive coverage on older vehicles?
Do I have coverage when using my vehicle for my home business?
Should I rate my 2006 Cadillac STS as pleasure use or commute?
Are my friends covered when driving my car?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and can help protect your family.

Parts of your auto insurance policy

Understanding the coverages of a auto insurance policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Liability

This coverage protects you from injuries or damage you cause to other’s property or people by causing an accident. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability insurance covers things such as emergency aid, court costs and structural damage. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive auto insurance

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from getting keyed, a broken windshield, a tree branch falling on your vehicle and fire damage. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

This gives you protection when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your 2006 Cadillac STS.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Coverage for collisions

Collision coverage will pay to fix damage to your STS from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like rolling your car, damaging your car on a curb and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for immediate expenses such as rehabilitation expenses, pain medications, ambulance fees and funeral costs. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage