2010 Cadillac STS Car Insurance Quotes – 10 Tips to Save

Searching for better insurance coverage rates? Consumers have many options when looking for low-cost Cadillac STS insurance. You can either waste hours struggling with agents trying to get quotes or utilize the internet to make rate comparisons.

There is a right way and a wrong way to compare insurance coverage rates so you’re going to learn the best way to get price quotes for a new or used Cadillac and obtain the cheapest rates.

It’s a good habit to quote other rates before your next renewal because insurance coverage prices tend to go up over time. If you had the best rates for STS coverage on your last policy you can probably find a better premium rate now. Ignore everything you know about insurance coverage because it’s time to teach you the best methods to reduce your cost while increasing coverage.

This information will introduce you to how car insurance quotes work. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using these techniques. Vehicle owners just need to know how to compare prices online.

First Step: Get free insurance quotes

Finding more affordable 2010 Cadillac STS insurance prices is pretty simple and can save money. All you need to do is spend a few minutes comparing rates from online providers. Price comparisons can be done in a couple of different ways.

The fastest way consumers can analyze rates is a comparison rater form (click to open form in new window). This type of form prevents you from having to do repetitive form submissions for every insurance company. One simple form gets insurance cost estimates from multiple low-cost companies.It’s the quickest way to get rates.

A more time consuming way to compare rate quotes consists of going to the website for every company you want to comare to complete their respective quote request forms. For examples sake, let’s assume you want to view quotes from GEICO, Safeco and Liberty Mutual. You would need to go to every website and repeatedly type in your coverage information, which can be really labor intensive. For a list of companies in your area, click here.

The old school method to comparison shop rate quotes is to drive around to all the different insurance agencies. Comparing rates online can eliminate the need for a local agent unless your situation requires the extra assistance that only a licensed agent can provide. It is possible with some companies compare online quotes but have your policy serviced through an agent.

It doesn’t matter which method you choose, just ensure you’re using equivalent quote information with every price quote. If your comparisons have different deductibles it will be impossible to make a fair rate comparison.

Take these ten policy discounts and save

Insuring your fleet can be pricey, but companies offer discounts that may help make it more affordable. Most are applied when you complete an application, but less common discounts must be requested specifically before they will apply.

  • Active Service Discounts – Being deployed in the military may qualify for rate reductions.
  • Use Seat Belts – Drivers who always wear seat belts and also require passengers to buckle up can save up to 10 percent (depending on the company) off the personal injury premium cost.
  • Save with More Vehicles Insured – Buying insurance for multiple cars or trucks with the same company can get a discount for every vehicle.
  • Discounts for Responsible Drivers – Insureds without accidents could pay up to 40% less for STS coverage than drivers with accident claims.
  • Telematics Devices – Drivers that enable their auto insurance company to study their driving habits by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive may see discounts if they have good driving habits.
  • Discount for Multiple Policies – If you can combine your homeowners and auto policy with the same company they may give you a discount of up to 20% off your total premium.
  • ABS Brakes – Vehicles that have steering control and anti-lock brakes can stop better under adverse conditions and earn discounts up to 10%.
  • Discount for Good Grades – Maintaining excellent grades can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Anti-theft Discount – Vehicles that have factory anti-theft systems have a lower chance of being stolen and therefore earn up to a 10% discount.
  • Discount for Home Ownership – Being a homeowner can save a few bucks because maintaining a house demonstrates responsibility.

As is typical with insurance, most discount credits are not given to the overall cost of the policy. Most only cut the price of certain insurance coverages like comprehensive or collision. So when the math indicates it’s possible to get free car insurance, companies don’t profit that way.

A list of auto insurance companies and the discounts they provide can be read below.

  • GEICO offers discounts including five-year accident-free, seat belt use, daytime running lights, anti-theft, driver training, anti-lock brakes, and membership and employees.
  • Auto-Owners Insurance may offer discounts for anti-theft, anti-lock brakes, good student, safe vehicle, and multiple vehicles.
  • American Family may have discounts that include defensive driver, multi-vehicle, Steer into Savings, good student, air bags, and TimeAway discount.
  • Esurance discounts include multi-policy, safety device, Pac-12 alumni, good student, online shopper, and anti-theft.
  • Progressive has savings for online signing, homeowner, multi-policy, good student, online quote discount, continuous coverage, and multi-vehicle.
  • State Farm offers discounts for student away at school, passive restraint, good student, defensive driving training, and good driver.
  • AAA may include discounts for education and occupation, anti-theft, AAA membership discount, multi-policy, multi-car, and good student.

If you need the cheapest insurance quotes, ask every prospective company what discounts are available to you. Some of the earlier mentioned discounts may not apply to policyholders in your state. To find providers that offer multiple discounts, click here to view.

Which policy gives me the best coverage?

When it comes to buying the right insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is unique.

Here are some questions about coverages that could help you determine if your situation would benefit from an agent’s advice.

  • Can I drive in Mexico and have coverage?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Does my liability insurance cover pulling a trailer or camper?
  • I have a DUI can I still get coverage?
  • Should I buy only the required minimum liability coverage?
  • Will my rates increase for filing one claim?
  • Can I rent a car in Mexico?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and you can get the answers you need.

Insurance coverages 101

Having a good grasp of your insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Cadillac STS.

Since a lot of drivers only purchase the least amount of liability that is required, 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. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from flooding, rock chips in glass, damage from a tornado or hurricane, a tree branch falling on your vehicle and hitting a deer. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverage

This coverage protects you from injuries or damage you cause to a person or their property in an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Some companies may use one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like bail bonds, legal defense fees and structural damage. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like funeral costs, hospital visits and chiropractic care. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Coverage for collisions

Collision coverage covers damage to your STS resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like rolling your car, driving through your garage door and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Have money to burn

In this article, we presented some good ideas how you can lower your 2010 Cadillac STS insurance car insurance rates. It’s most important to understand that the more companies you get premium rates for, the higher your chance of finding the cheapest insurance. You may even discover the most savings is with a small mutual company.

Drivers leave their current company for any number of reasons including policy non-renewal, high rates after DUI convictions, not issuing a premium refund or even an unsatisfactory settlement offer. Regardless of your reason for switching companies, choosing a new company is less work than it seems.

Lower-priced 2010 Cadillac STS insurance is possible both online as well as from independent agents, and you need to comparison shop both to have the best chance of lowering rates. Some companies do not offer the ability to get a quote online and most of the time these small insurance companies work with local independent agents.

Additional articles