2017 Cadillac XTS Car Insurance Quotes – 6 Savings Tips

Trying to find the cheapest auto insurance rates for your Cadillac XTS? Are you burned out from robbing Peter to pay Paul to make your auto insurance payment? You are no different than most other drivers. Insurance companies such as Allstate, Progressive and GEICO continually hit you with TV and radio ads and it can be hard to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

It’s a good habit to shop coverage around once or twice a year because prices change regularly. Just because you found the best price on XTS insurance a few years ago you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate how to use online quotes to get good coverage at a lower rate.

If you have a current car insurance policy or are just looking to switch companies, you can use these tips to shop for the lowest rates while maximizing coverage. Finding affordable coverage is quite easy. Drivers just need to know the most efficient way to get comparison quotes over the internet.

Get cheaper car insurance rates with discounts

Not too many consumers would say car insurance is affordable, but there could be significant discounts that could drop your premiums quite a bit. A few discounts will automatically apply at the time you complete a quote, but some must be inquired about before you get the savings. If you don’t get every credit available, you could be saving more on your car insurance.

  • Drive Less and Save – Low mileage vehicles can qualify you for discounted car insurancerates on garaged vehicles.
  • College Student – Any of your kids who live away from home to go to college and won’t have access to an insured vehicle may qualify for this discount.
  • Service Members Pay Less – Being deployed with a military unit could trigger a small discount.
  • Air Bags and Passive Restraints – Factory options such as air bags may earn rate discounts of more than 20%.
  • Discounts for Multiple Vehicles – Buying insurance for multiple cars on one policy can get a discount for every vehicle.
  • Good Student Discount – Getting good grades can be rewarded with saving of up to 25%. The good student discount can last up to age 25.

As a sidenote, some credits don’t apply to all coverage premiums. Most only reduce specific coverage prices like liability and collision coverage. Even though it may seem like adding up those discounts means a free policy, you’re out of luck. But all discounts should help reduce your policy premiums.

Companies and their possible discounts are:

  • GEICO discounts include anti-lock brakes, seat belt use, federal employee, anti-theft, good student, and five-year accident-free.
  • MetLife includes discounts for multi-policy, accident-free, defensive driver, claim-free, and good student.
  • Progressive offers premium reductions for homeowner, continuous coverage, good student, online quote discount, multi-policy, and online signing.
  • Travelers has discounts for IntelliDrive, continuous insurance, multi-car, multi-policy, and home ownership.
  • SAFECO may include discounts for drive less, teen safe driver, homeowner, safe driver, bundle discounts, anti-theft, and anti-lock brakes.
  • AAA offers discounts including multi-car, good driver, good student, anti-theft, and education and occupation.

Before buying, ask every company to give you their best rates. Some of the earlier mentioned discounts might not be offered in every state. To see a list of insurers that offer multiple discounts, follow this link.

The fastest way that we advise to compare rates takes advantage of the fact most larger insurance companies participate in online systems to quote your coverage. All consumers are required to do is provide the companies a bit of rating information including types of safety features, if a SR-22 is needed, if you went to college, and daily mileage. That rating data is instantly submitted to multiple different insurance companies and they return cost estimate instantly.

To check rates for your 2017 Cadillac XTS now, click here and see if a lower rate is available.

Tailor your insurance coverage coverage to you

When choosing coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique so this has to be addressed. For instance, these questions may help highlight if you would benefit from professional advice.

  • Should I rate my 2017 Cadillac XTS as pleasure use or commute?
  • Do I need added coverage for expensive stereo equipment?
  • What is an SR-22 filing?
  • If I drive on a suspended license am I covered?
  • Why does it cost so much to insure a teen driver?
  • Am I covered if I drive in a foreign country?
  • What is the minimum liability in my state?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance coverages 101

Having a good grasp of your policy can be of help when determining appropriate coverage and proper limits and deductibles. Auto insurance terms can be ambiguous and nobody wants to actually read their policy. These are typical coverages available from auto insurance companies.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage to your Cadillac XTS.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Frequently these coverages do not exceed the liability coverage limits.

Liability coverage

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

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Some companies may use a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers claims such as medical services, emergency aid, pain and suffering, funeral expenses and medical expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical expense insurance

Med pay and PIP coverage reimburse you for short-term medical expenses for things like ambulance fees, hospital visits, prosthetic devices and doctor visits. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers you and your occupants in addition to getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Collision protection

This will pay to fix damage to your XTS resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like rolling your car, crashing into a ditch and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive (Other than Collision)

This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like falling objects, theft, hail damage and hitting a bird. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Quote more. Save more.

Low-cost 2017 Cadillac XTS insurance can be found online as well as from independent agents, so you should compare both to have the best rate selection. There are still a few companies who may not offer online rate quotes and usually these small, regional companies prefer to sell through independent agencies.

As you shop your coverage around, it’s not a good idea to buy less coverage just to save a little money. There have been many cases where an accident victim reduced full coverage only to discover later that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase a proper amount of coverage at the best cost but still have enough coverage for asset protection.

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