2014 Cadillac XTS Insurance Quotes – 5 Discounts for Best Rates

Looking for the cheapest auto insurance rates for your Cadillac XTS? Tired of not being able to scrape enough together to pay auto insurance each month? You have the same problem as most other vehicle owners.

Popular companies such as State Farm, Allstate, Geico and Progressive persitently shower you with fancy advertisements and consumers find it hard to ignore the propoganda and take the time to shop coverage around.

Get lower rates with these five discounts

Insuring your vehicles can cost a lot, but you may qualify for discounts that can dramatically reduce your bill. Many of these discounts will be applied automatically when you complete an application, but some need to be asked about before you will receive the discount.

  • Paper-free Discount – Many companies give back up to $50 shop insurance online.
  • Safe Drivers – Drivers who avoid accidents can save up to 40% or more on their insurance quote on XTS coverage compared to accident prone drivers.
  • Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school or through a local driver safety program.
  • Theft Deterent Discount – Cars, trucks, and SUVs with anti-theft systems are less likely to be stolen and can earn a small discount on your policy.
  • Homeowners Pay Less – Just owning your own home can save you money because it demonstrates responsibility.

A little disclaimer on discounts, some credits don’t apply to your bottom line cost. Most only apply to individual premiums such as comprehensive or collision. So despite the fact that it appears you can get free auto insurance, it doesn’t quite work that way.

Companies and their offered discounts include:

  • State Farm offers premium reductions for Steer Clear safe driver discount, driver’s education, passive restraint, anti-theft, and multiple autos.
  • Geico may have discounts that include federal employee, military active duty, emergency military deployment, multi-vehicle, air bags, and anti-theft.
  • Liberty Mutual discounts include new graduate, new move discount, preferred payment discount, multi-policy, and exclusive group savings.
  • The Hartford has discounts for good student, bundle, air bag, vehicle fuel type, and defensive driver.
  • MetLife offers discounts including good driver, good student, multi-policy, accident-free, and claim-free.
  • Progressive offers discounts for continuous coverage, online quote discount, good student, online signing, and multi-policy.

If you need lower rates, check with each company the best way to save money. Discounts may not be offered in your state. If you would like to choose from a list of insurers with discount auto insurance rates, click this link.

Compare car insurance rates

There are several ways to compare car insurance prices but some are easier and takes less work. You could spend the better part of a day talking to local insurance agents in your area, or you could use the internet to maximize your effort.

The majority of car insurance companies belong to a marketplace that allows shoppers to complete one form, and at least one company provides a quote determined by their information. This eliminates the need for quote forms to every company.

To find out how much you’re overpaying now click to open in new window.

The one disadvantage to doing it this way is you cannot specify the insurers you will receive quotes from. If you prefer to choose specific insurance companies to receive pricing from, we put together a list of companies who write car insurance in your area. Click here to view list.

Whichever way you use, compare the same deductibles and coverage limits on every price quote you get. If you compare different liability limits it will be nearly impossible to determine the lowest rate for your Cadillac XTS. Quoting even small variations in coverage limits could skew the results. And when price shopping your coverage, comparing more company’s prices increases your odds of finding better pricing. Not every company provides quotes online, so it’s recommended that you also compare price estimates from them as well.

Insurance can be complex

When choosing the best insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions could help you determine if you will benefit from professional help.

  • What is the difference between comprehensive and collision coverage?
  • Where can I get insurance after a DUI in my state?
  • Can I get a multi-policy discount?
  • I have health insurance so do I need medical payments coverage?
  • Do I need PIP coverage since I have good health insurance?
  • What is no-fault insurance?
  • Does my policy pay for OEM or aftermarket parts?
  • Do I need added coverage for expensive stereo equipment?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Auto insurance 101

Learning about specific coverages of auto insurance aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find the normal coverages offered by auto insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Cadillac XTS.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Medical payments and PIP coverage – Med pay and PIP coverage provide coverage for immediate expenses such as prosthetic devices, ambulance fees, rehabilitation expenses, pain medications and funeral costs. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Comprehensive auto coverage – This coverage pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, damage from a tornado or hurricane, damage from flooding and fire damage. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverages – Collision insurance pays for damage to your XTS resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like colliding with a tree, damaging your car on a curb, rolling your car and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Liability car insurance – Liability coverage can cover injuries or damage you cause to other people or property. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims such as pain and suffering, funeral expenses, medical expenses, court costs and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

One last thing about your coverage

When getting insurance quotes online, you should never skimp on critical coverages to save a buck or two. Too many times, an insured dropped liability limits or collision coverage only to regret they didn’t have enough coverage. Your aim should be to buy enough coverage at an affordable rate.

In this article, we covered a lot of ways to lower your 2014 Cadillac XTS insurance prices. The key thing to remember is the more price quotes you have, the better likelihood of getting inexpensive insurance. You may even find the best prices are with a small mutual company. Regional companies often have lower rates on specific markets than their larger competitors like Progressive and Geico.

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