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2007 Cadillac XLR Insurance Rates

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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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UPDATED: Mar 6, 2020

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Searching for cheaper car insurance rates for your Cadillac XLR? Using the web to shop for car insurance can seem like an uphill battle if you’ve never compared online quoting. But don’t let that discourage you because using the internet to shop for car insurance is actually quite easy.

It’s a great practice to compare prices occasionally because prices are usually higher with each renewal. Just because you had the best price on XLR coverage six months ago a different company probably has better rates today. Starting now, ignore everything you know about car insurance because I’m going to teach you the only way to save money, get proper coverage and the best rates.

If you are paying for car insurance now, you will be able to save some money using this strategy. The purpose of this post is to introduce you to how to get online quotes. But car owners should learn how companies sell online and take advantage of how the system works.

Comprehensive Insurance Coverage Comparison

When shopping for insurance coverage there are multiple ways of comparing rates from insurance coverage companies in your area. The easiest way to compare 2007 Cadillac XLR insurance prices is to perform an online rate comparison. This can be accomplished using a couple different methods.

  • Probably the best way to get quotes is a comparison rater form click to view form in new window. This form saves time by eliminating multiple quote forms for each company you want a rate for. Taking the time to complete one form gets you price quotes from insurance coverage companies with the best prices. It’s the fastest way to compare.
  • A slightly less efficient method to analyze rates is going to the website of each company to complete a price quote. For sake of this example, let’s assume you want to compare Auto-Owners, Progressive and American Family. To get each rate you have to take the time to go to each site and enter your policy data, and that’s why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

  • The least recommended method of getting rate comparisons is to spend time driving to different agent offices. The ability to buy insurance online can eliminate the need for a local agent unless you want the trained guidance that only a license agent can provide. However, consumers can price shop your coverage online but still have the advice of a local agent and we’ll talk about that later.

Whichever way you use, ensure you are comparing apples-to-apples coverages and limits with every price quote. If you enter different limits and deductibles on each one it will be next to impossible to determine the lowest rate for your Cadillac XLR. Slightly different insurance coverages may cause a big price difference. And when comparing insurance coverage rates, know that comparing a large number of companies helps locate the best rates.

Do drivers who switch really save $465 a year?

State Farm, GEICO and Progressive constantly bombard you with ads on TV and radio. All the companies make an identical promise that you can save if you switch your policy. How does each company say the same thing?

Different companies have a certain “appetite” for the driver that is profitable for them. A good example of a profitable customer could possibly be between 30 and 50, has no tickets, and has a short commute. A propective insured who meets those qualifications will qualify for the lowest rates and therefore will pay quite a bit less when switching companies.

Potential insureds who don’t measure up to these standards will have to pay a more expensive rate which leads to business not being written. The ad wording is “drivers who switch” not “everyone that quotes” save that much. That’s why companies can truthfully claim big savings. Because of the profiling, drivers must compare many company’s rates. Because you never know which insurance companies will provide you with the cheapest Cadillac XLR insurance rates.

Discounts are great for lower rates

Car insurance companies don’t always list every available discount very clearly, so we took the time to find some of the more common and the harder-to-find ways to save on auto insurance.

  • Driver Safety – Taking a course teaching defensive driving skills could save 5% or more if you qualify.
  • Employee of Federal Government – Active or retired federal employment could cut as much as 10% off on XLR coverage with select insurance companies.
  • Accident Free – Claim-free drivers pay less as compared to accident-prone drivers.
  • Safe Driver Discount – Insureds without accidents can pay as much as 50% less on XLR coverage than drivers with accident claims.
  • Lower Rates for Military – Having a deployed family member could mean lower rates.
  • Discount for Swiching Early – A few companies offer discounts for signing up prior to your current policy expiration. The savings is around 10%.
  • College Student – Kids in college who are attending college and don’t have a car can be insured at a reduced rate.
  • Good Student – This discount can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • New Car Discount – Insuring a new car can cost up to 25% less since new cars are generally safer.

A little note about advertised discounts, most discounts do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like medical payments or collision. So when it seems like all those discounts means the company will pay you, companies don’t profit that way.

For a list of insurance companies who offer auto insurance discounts, follow this link.

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You may need specialized coverage

When buying proper insurance coverage, there is no cookie cutter policy. Each situation is unique.

For instance, these questions may help highlight whether your personal situation might need professional guidance.

  • When should I remove comp and collision on my 2007 Cadillac XLR?
  • Do I need rental car coverage?
  • Am I covered when driving in Canada or Mexico?
  • What companies insure drivers after a DUI or DWI?
  • What should my uninsured motorist coverage limits be in my state?
  • Can I afford low physical damage deductibles?
  • Is rental equipment covered for theft or damage?
  • What is the minimum liability in my state?
  • Am I covered if I hit my neighbor’s mailbox?
  • Can I still get insurance after a DUI?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form.

The coverage is in the details

Having a good grasp of a car insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring.


Liability insurance can cover injuries or damage you cause to a person or their property. It protects YOU from claims by 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. You might see limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage protects against claims such as emergency aid, repair bills for other people’s vehicles and loss of income. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Collision insurance

Collision coverage pays for damage to your XLR caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as colliding with another moving vehicle, damaging your car on a curb and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Comprehensive coverages

This 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 insurance covers things such as hitting a deer, damage from a tornado or hurricane and damage from getting keyed. The most your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured and underinsured coverage

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Cadillac XLR.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for bills for surgery, EMT expenses, chiropractic care, pain medications and X-ray expenses. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Summing up your insurance search

People who switch companies do it for many reasons like lack of trust in their agent, high prices, unfair underwriting practices and questionable increases in premium. No matter why you want to switch, choosing a new company is pretty simple and you could end up saving a buck or two.

Cost effective 2007 Cadillac XLR insurance is possible online and with local insurance agents, and you should be comparing both to have the best selection. Some insurance companies do not offer you the ability to get quotes online and these regional insurance providers work with independent agents.

As you prepare to switch companies, it’s very important that you do not buy poor coverage just to save money. In too many instances, someone dropped uninsured motorist or liability limits only to regret at claim time they didn’t purchase enough coverage. Your aim should be to get the best coverage possible for the lowest price while still protecting your assets.

Even more information can be read at these sites:

Use our FREE quote tool to compare rates now!

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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