2005 Cadillac STS Car Insurance Cost

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 11, 2022

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I can’t think of a single person who likes having to buy insurance coverage, especially when they are paying too much.

Drivers have so many auto insurance companies to insure vehicles with, and although it’s nice to have a choice, so many choices can make it hard to adequately compare rates.

Locating the best coverage is simple if you know the tricks. Essentially every driver who shops for auto insurance will most likely be able to reduce their rates. Although drivers must comprehend the methods companies use to sell insurance online and take advantage of how the system works.

Finding Car Insurance

Performing a rate comparison can be challenging if you don’t utilize the easiest way. You can waste a few hours (or days) discussing policy coverages with insurance companies in your area, or you can utilize online quotes to get the quickest rates.

Most of the best insurance companies participate in an industry program where insurance shoppers submit their information once, and each participating company returns a competitive quote based on that data. This eliminates the need for quotation requests for each company.

To fill out one form to compare multiple rates now click here to start a free quote.

One minor caviat to pricing coverage this way is you are unable to specify the providers to get pricing from. If you prefer to choose specific providers to receive pricing from, we put together a list of low cost car insurance companies in your area. Click here to view list.

However you get your quotes, make darn sure you compare the exact same coverage limits on every quote you get. If each company quotes higher or lower deductibles you will not be able to truly determine the lowest rate. Just a small difference in insurance coverages may result in a large different in cost. Keep in mind that more quotes will improve the odds of getting a better price.

Take discounts and save

The price of auto insurance can be rather high, but companies offer discounts to help offset the cost. Certain discounts will be triggered automatically when you complete an application, but a few need to be inquired about prior to receiving the credit.

  • College Student – Children who are attending college and don’t have a car can receive lower rates.
  • Safety Course Discount – Completing a driver safety course can save you 5% or more depending on where you live.
  • Passive Restraints – Factory air bags can receive discounts up to 30%.
  • Early Switch Discount – Some insurance companies reward drivers for signing up before your current expiration date. It’s a savings of about 10%.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use their safety belts could save 15% off your PIP or medical payments premium.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.

A little note about advertised discounts, most discounts do not apply the whole policy. The majority will only reduce individual premiums such as collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, you’re out of luck. Any qualifying discounts will reduce the cost of coverage.

For a list of companies who offer insurance coverage discounts, click this link.

Which policy gives me the best coverage?

When it comes to buying proper insurance coverage, there really is not a “perfect” insurance plan. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that can aid in determining if your insurance needs may require specific advice.

  • What if I total my 2005 Cadillac STS and owe more than it’s worth?
  • Is a blown tire covered by insurance?
  • Why does it cost so much to insure a teen driver?
  • If I drive on a suspended license am I covered?
  • Is business property covered if stolen from my car?
  • Does my car insurance cover rental cars?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

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Cadillac STS insurance rates are influenced by…

An important part of buying insurance is that you know the different types of things that play a part in calculating the rates you pay for car insurance. Understanding what determines base rates allows you to make educated decisions that may reward you with better car insurance rates.

  • Marriage brings a discount – Being married can get you a discount on your car insurance policy. Marriage means you’re more responsible it has been statistically shown that married couples file fewer claims.
  • Extra coverages can waste money – There are many add-on coverages you can purchase when buying car insurance. Coverages like personal injury protection, better glass coverage and additional equipment coverage may be wasting your money. They may seem like a good idea when talking to your agent, but now you might not need them so get rid of them and save.
  • Adjust deductibles and save – Physical damage deductibles define the amount you are willing to pay out-of-pocket in the event of a claim. Coverage for physical damage, also known as collision and other-than-collision, covers damage that occurs to your car. A few examples of covered claims would be running into the backend of another car, damage from fire, or theft. The higher the amount you have to pay, the lower your rates will be on STS coverage.
  • Clean credit earns discounts – Credit score is a important factor in your rate calculation. If your credit history is lower than you’d like, you could save money insuring your 2005 Cadillac STS by improving your credit score. Consumers who have high credit scores tend to be less risk to insure than those with poor credit.
  • Optional equipment can affect rates – Choosing a vehicle with an alarm system can help bring down rates. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your car from being stolen.
  • Safe vehicles cost less to insure – Vehicles with good safety scores can get you lower premiums. Safe vehicles reduce injuries and better occupant protection translates into savings for insurance companies and lower rates for you. If your Cadillac STS has ratings of a minimum four stars on Safercar.gov it is probably cheaper to insure.
  • Liability coverage is peace of mind – Liability insurance is the coverage that protects you if ever you are found liable for personal injury or accident damage. It will provide for a legal defense starting from day one. This coverage is very inexpensive compared to physical damage coverage, so do not cut corners here.
  • Men pay higher rates – Statistics show women tend to be less risk to insure than men. However, this does not mean men are WORSE drivers than women. They both have accidents at a similar rate, but the male of the species have costlier accidents. Men also tend to receive more costly citations such as reckless driving. Teenage male drivers are several times more likely to be in an accident and thus pay the highest rates.

Can switching companies really save?

Companies like 21st Century, Allstate and State Farm regularly use ads on TV and radio. All the ads make the same claim that you’ll save big if you move your policy. But how can every company claim to save you money?

Insurance companies have a preferred profile for the type of driver that is profitable for them. For instance, a desirable insured might be over the age of 50, owns a home, and has great credit. Any new insured that hits that “sweet spot” gets the lowest rates and most likely will save a lot of money.

Potential insureds who don’t qualify for the “perfect” profile will have to pay a more expensive rate and ends up with the customer not buying. The ads state “people who switch” not “everyone that quotes” save money. That’s why insurance companies can confidently make the claims of big savings.

Because of the profiling, you absolutely need to compare many company’s rates. It’s just too difficult to predict which company will fit your personal profile best.

Coverage specifics

Knowing the specifics of a insurance policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are typical coverages found on the average insurance policy.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Cadillac STS.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Normally these coverages are set the same as your liablity limits.

Liability coverage

Liability insurance will cover damage or injury you incur to people or other property in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Another option is one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like court costs, structural damage and bail bonds. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage

This covers damage to your STS caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as colliding with a tree, crashing into a building and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Comprehensive insurance

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as vandalism, hail damage, damage from a tornado or hurricane and damage from flooding. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for bills like nursing services, pain medications and chiropractic care. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Quote often and quote early

You just read many tips how you can save on 2005 Cadillac STS insurance. The most important thing to understand is the more you quote, the better your comparison will be. Drivers may discover the most savings is with some of the lesser-known companies. Some small companies can often provide lower rates in certain areas than the large multi-state companies such as Progressive and GEICO.

As you restructure your insurance plan, don’t be tempted to skimp on coverage in order to save money. There have been many situations where someone sacrificed liability limits or collision coverage only to find out that the savings was not a smart move. The proper strategy is to buy the best coverage you can find at an affordable rate while still protecting your assets.

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