2013 Cadillac XTS Insurance Quotes – 5 Discounts for Cheapest Rates

Want lower insurance rates for your Cadillac XTS? Did you come to the realization that you have an expensive insurance policy? It’s quite common and many consumers are feeling buyer’s remorse and feel like there’s no way out. Big companies like Geico, Progressive and Allstate constantly bombard you with ad campaigns and it is challenging if not impossible to see past the corporate glitz and do the work needed to find the best deal.

It’s a good habit to get comparison quotes quite often because prices are constantly changing. Just because you had the best rates for XTS insurance two years ago a different company probably has better premium rates today. Forget all the misinformation about insurance because we’re going to show you the fastest way to find better rates and still maintain coverage.

Affordable insurance coverage quotes with discounts

Car insurance companies don’t list every discount they offer in a way that’s easy to find, so here is a list some of the best known and the more hidden credits available to lower your premiums when you buy auto insurance online.

  • Discount for New Cars – Buying a new car model can save you some money since newer vehicles are generally safer.
  • Payment Discounts – By making one initial payment as opposed to paying monthly you can avoid monthly service charges.
  • Early Switch Discount – Some companies provide a discount for buying a new policy prior to your current policy expiration. It can save you around 10%.
  • Drive Less and Save – Maintaining low annual mileage could qualify for cheaper premium rates.
  • Life Insurance – Larger insurance companies have a break if you buy some life insurance in addition to your auto policy.

You can save money using discounts, but some of the credits will not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like liability and collision coverage. So even though it sounds like you could get a free insurance coverage policy, it doesn’t quite work that way.

Insurance companies that may offer quotes with some of the discounts shown above possibly include:

When comparing rates, check with each company or agent which discounts you may be entitled to. A few discounts might not be offered on policies in your area.

Tailor your auto insurance coverage to you

When it comes to choosing the best auto insurance coverage, there really is not a cookie cutter policy. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that can help discover whether your personal situation may require specific advice.

  • When can I cancel my policy?
  • Can my babysitter drive my car?
  • What vehicles should carry emergency assistance coverage?
  • Is my Cadillac XTS covered if I use it for business?
  • Does my personal policy cover me when driving out-of-state?
  • Should I waive the damage coverage when renting a car?
  • Which companies will insure high-risk drivers?
  • Do I have any recourse if my insurance company denies a claim?
  • Am I covered when driving on a suspended license?
  • Do I need added coverage for expensive stereo equipment?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

Big brands don’t always mean big savings

Consumers get pounded daily by advertisements for the lowest price insurance by Allstate and Progressive. They all seem to make an identical promise that drivers will save a bundle if you switch to their company.

How is it possible that every company can make the same claim? It’s all in the numbers.

Insurance companies have specific guidelines for the type of driver that will not have excessive claims. For example, this type of risk profile might have to be over the age of 50, has few claims, and drives less than 10,000 miles a year. Any new insured who fits that profile may get the lowest rates and therefore will save money with a new company.

Insureds who do not meet these stringent criteria will be charged higher rates and ends up with the driver buying from a lower-cost company. The trick companies use is to say “people who switch” not “all people who quote” save that much money. That’s the way insurance companies can make claims that they all have the best car insurance rates.

Because of this risk profiling, you absolutely need to get auto insurance quotes from several different companies. It’s impossible to know which insurance company will provide the lowest rates.

What car insurance coverages do you need?

Knowing the specifics of your policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Below you’ll find the usual coverages found on the average car insurance policy.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like falling objects, hitting a deer and damage from a tornado or hurricane. The most your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like funeral costs, rehabilitation expenses and prosthetic devices. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision insurance covers damage to your XTS resulting 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 coverage pays for things like sideswiping another vehicle, damaging your car on a curb, backing into a parked car and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Cadillac XTS.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability insurance – This protects you from injuries or damage you cause to other people or property in an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Another option is a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for claims like bail bonds, pain and suffering, repair costs for stationary objects, medical services and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Saving money is sweet as honey

The cheapest 2013 Cadillac XTS insurance is attainable online in addition to local insurance agencies, so you need to shop auto insurance with both to have the best selection. Some insurance coverage companies do not provide the ability to get quotes online and many times these smaller providers work with independent agents.

You just learned many ways to compare 2013 Cadillac XTS insurance prices online. It’s most important to understand that the more you quote auto insurance, the higher the chance of saving money. Consumers could even find that the most savings is with an unexpected company. Some small companies may cover specific market segments cheaper as compared to the big name companies such as State Farm or Progressive.

As you restructure your insurance plan, do not buy poor coverage just to save money. In many instances, someone dropped physical damage coverage to discover at claim time they didn’t purchase enough coverage. Your goal should be to buy the best coverage you can find at a price you can afford, but do not sacrifice coverage to save money.

Much more information about insurance coverage is located below: