Compare 2016 Cadillac XTS Insurance Rates

Think you have an underperforming, overpriced auto insurance policy? You’re in good company because there are lots of residents who feel the same.

Numerous auto insurance companies battle for your business, and because of this it can be hard to compare auto insurance companies to find the best rate

How to get auto insurance quotes

There are several ways of comparing rate quotes from many auto insurance companies in your state. The recommended way to find competitive 2016 Cadillac XTS insurance rates is to perform an online rate comparison. It is quite easy and can be accomplished using a couple different methods.

The fastest way to get quotes is an all-inclusive rate comparison like this one (opens in new window). This easy form eliminates the need for multiple quote forms for every auto insurance company. A single form will get you rate comparisons from multiple low-cost companies.
A different way to find more affordable insurance is to manually visit the website of each company and fill out a new quote form. For sake of this example, let’s assume you want comparison quotes from Liberty Mutual, Progressive and Travelers. To do that, you would have to visit each site to enter the same coverage data repeatedly, which can be really labor intensive.
For a handy list of car insurance company links in your area, click here.

The method you choose is up to you, but make darn sure you compare the exact same coverage limits and deductibles on every quote. If each company quotes different limits and deductibles on each one it’s impossible to find the best deal for your Cadillac XTS. Even a minor difference in coverages may result in a large different in cost. Just keep in mind that getting more free quotes helps locate a lower rate than you’re paying now.

Discounts for affordable car insurance rates

Some insurance providers don’t always publicize all disounts very clearly, so below is a list some of the best known in addition to some of the lesser obvious ways to save on car insurance.

Paper-free Discount – Some of the larger companies will provide an incentive simply for signing digitally online.
Anti-lock Brake Discount – Vehicles that have steering control and anti-lock brakes prevent accidents and the ABS can save up to 10%.
Drive Less and Save – Fewer annual miles on your Cadillac could qualify for discounted prices on garaged vehicles.
No Charge for an Accident – This one is not really a discount per se, but some companies like Progressive and Allstate will let one accident slide before your rates go up so long as you are claim-free prior to being involved in the accident.
Organization Discounts – Being a member of qualifying clubs or civic groups could earn you a nice discount on your next car insurance statement.
Discount for Multiple Policies – If you combine your home and auto policies and place coverage with the same company you could get a discount of nearly 15% which can help you find affordable insurance.

One thing to note about discounts is that some of the credits will not apply to your bottom line cost. Most only cut specific coverage prices like comp or med pay. So even though they make it sound like it’s possible to get free car insurance, you’re out of luck.

A few popular companies and some of the premium reductions they offer can be found below.

State Farm discounts include Steer Clear safe driver discount, passive restraint, safe vehicle, Drive Safe & Save, good student, accident-free, and driver’s education.
Liberty Mutual includes discounts for hybrid vehicle, newly married, teen driver discount, new move discount, and preferred payment discount.
American Family offers discounts including defensive driver, accident-free, good student, mySafetyValet, and air bags.
Progressive may include discounts for good student, continuous coverage, online quote discount, homeowner, multi-policy, multi-vehicle, and online signing.
Farmers Insurance offers discounts for multi-car, electronic funds transfer, alternative fuel, youthful driver, distant student, and pay in full.
Auto-Owners Insurance has savings for air bags, company car, anti-lock brakes, student away at school, paid in full, and group or association.
SAFECO has discounts for drive less, anti-lock brakes, safe driver, multi-car, homeowner, and accident prevention training.

It’s a good idea to ask all companies you are considering which discounts can lower your rates. Some credits may not apply to policyholders in your area. If you would like to choose from a list of insurance companies with the best discounts, follow this link.

Tailor your insurance coverage coverage to you

When buying adequate coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is unique and your policy should reflect that. For example, these questions can help discover if your insurance needs would benefit from professional advice.

Where can I find DUI or SR-22 insurance?
Who is covered by my policy?
How high should deductibles be on a 2016 Cadillac XTS?
Can I rate high risk drivers on liability-only vehicles?
Will my rates increase for filing one claim?
Are my tools covered if they get stolen from my vehicle?
How much liability insurance is required?
Is my teenager covered with friends in the car?
Is my Cadillac XTS covered if I use it for business?

If it’s difficult to answer those questions, you might consider talking to an agent. To find an agent in your area, complete this form or click here for a list of insurance coverage companies in your area.

Car insurance coverage information

Understanding the coverages of your insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement. These are the usual coverages found on most insurance policies.

Liability car insurance

This protects you from damages or injuries you inflict on other’s property or people that is your fault. It protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things like medical services, bail bonds and structural damage. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

Coverage for collisions

Collision coverage pays for damage to your XTS from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like colliding with another moving vehicle, scraping a guard rail, sustaining damage from a pot hole and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Cadillac XTS.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Comprehensive coverages

This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as fire damage, a tree branch falling on your vehicle, rock chips in glass and a broken windshield. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like EMT expenses, doctor visits and hospital visits. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage