2011 Cadillac STS Car Insurance Cost in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 11, 2024

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Want lower auto insurance rates for your Cadillac STS? Pretty sure you bought an expensive auto insurance policy? Trust us, many drivers have buyer’s remorse.

There is such a variety of insurance companies to insure vehicles with, and though it is a good thing to have a choice, more choices can make it harder to compare rates and find the lowest cost auto insurance.

It’s smart to quote other rates periodically since insurance prices change quite often. Just because you found the lowest rate on STS insurance two years ago you will most likely find a better premium rate today. Forget anything you know (or think you know) about auto insurance because we’re going to show you how to use the internet to properly buy coverages and cut your premium.

Save a ton with these discounts

Some insurance providers don’t always advertise every discount they offer very clearly, so the list below details some of the best known and the harder-to-find discounts that you can inquire about if you buy auto insurance online.

  • First Accident Forgiveness – Not necessarily a discount, but a handful of insurance companies will forgive one accident without raising rates with the catch being you have to be claim-free prior to being involved in the accident.
  • Responsible Driver Discount – Insureds who avoid accidents can save up to 40% or more on their auto insurance quote on STS insurance compared to accident prone drivers.
  • Multiple Vehicles – Buying insurance for multiple cars or trucks on one policy could earn a price break for each car.
  • Accident Free – Drivers with accident-free driving histories can save substantially when compared with frequent claim filers.
  • Discounts for Government Workers – Active or retired federal employment could qualify for a slight premium decrease on STS insurance but check with your company.
  • Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn lower premium rates if you buy a life insurance policy as well.
  • Discount for Home Ownership – Owning your own home or condo can save you money because it demonstrates responsibility.
  • Early Payment Discounts – By paying your entire bill at once rather than paying monthly you could save 5% or more.
  • Good Student Discount – Performing well in school could provide a savings of up to 20% or more. The good student discount can last until age 25.
  • Discount for Multiple Policies – When you have multiple policies with one company you could get a discount of over 10 percent off each policy depending on the company.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to the entire policy premium. Most cut the cost of specific coverages such as comprehensive or collision. If you do the math and it seems like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

A few popular companies and a selection of discounts include:

  • GEICO discounts include good student, defensive driver, anti-lock brakes, federal employee, driver training, and military active duty.
  • Travelers offers discounts for payment discounts, driver training, multi-policy, hybrid/electric vehicle, good student, early quote, and new car.
  • Nationwide has savings for multi-policy, anti-theft, good student, business or organization, defensive driving, and Farm Bureau membership.
  • Farmers Insurance may include discounts for alternative fuel, multi-car, switch companies, teen driver, and homeowner.
  • Esurance may have discounts that include online shopper, safety device, multi-car, paid-in-full, anti-lock brakes, and homeowner.
  • State Farm policyholders can earn discounts including student away at school, Steer Clear safe driver discount, good student, multiple autos, and driver’s education.
  • Progressive includes discounts for online quote discount, online signing, multi-vehicle, continuous coverage, and good student.
  • Mercury Insurance has discounts for anti-theft, age of vehicle, good student, professional/association, annual mileage, and type of vehicle.

If you need low cost auto insurance quotes, ask every insurance company what discounts are available to you. Some discounts listed above may not be offered in every state.

Six tips to get more affordable insurance rates

A large part of saving on auto insurance is knowing a few of the rating criteria that aid in calculating the level of your policy premiums. When consumers understand what positively or negatively impacts your premiums, this enables you to make decisions that can earn you lower rates.

  • Where you reside factors in – Choosing to live in less populated areas of the country can save you money when buying auto insurance. Drivers in populated areas tend to have much more traffic and longer commutes to work. Fewer drivers and short commutes translates into fewer accident claims in addition to lower liability claims
  • Policy add-ons add up – Insurance policies have a lot of extra coverages that can add up if you aren’t careful. Things like personal injury protection, high-cost glass coverage, and additional equipment coverage could be just wasting money. You may think they are a good idea when discussing your needs, but your money might be better spent on other coverage so remove them and pocket the money.
  • Get a ticket, pay higher costs – Being a careful driver influences premium rates substantially. Just one driving citation can boost insurance rates twenty percent or more. Good drivers have lower premiums compared to drivers with tickets. Drivers who get flagrant tickets like DWI, reckless driving or hit and run convictions may face state-mandated requirements to file a SR-22 with their state DMV in order to drive a vehicle legally.
  • Increase physical damage deductibles and save – Physical damage protection, termed comprehensive and collision coverage on your policy, is used to repair damage to your Cadillac. Some examples of covered claims would be colliding with a building, damage from fire, or theft. Your deductibles are how much you are willing to pay if you file a covered claim. The more money the insured has to pay upfront, the better rate you will receive on STS insurance.
  • Battle of the sexes – The statistics show that men are more aggressive behind the wheel. However, this does not mean men are WORSE drivers than women. Females and males tend to get into accidents in similar percentages, but the men get into accidents with more damage. Men also statistically get ticketed for serious violations like reckless driving and DUI.
  • Never let your coverage lapse – Not having insurance is illegal and as a result your rates will increase for letting your insurance expire. Not only will you pay higher rates, not being able to provide proof of insurance could earn you fines and jail time. You will then be forced to submit proof of financial responsibility or a SR-22 with your state DMV.

Auto insurance can be complex

When it comes to buying the best auto insurance coverage, there isn’t really a best way to insure your cars. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that could help you determine whether you would benefit from an agent’s advice.

  • Should I have a commercial auto policy?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Why do I only qualify for high-risk insurance?
  • What exactly is covered by my policy?
  • Is there coverage for injuries to my pets?
  • Is my babysitter covered when using my vehicle?
  • How high should my medical payments coverage be?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete your zip code.

Is there deception in advertising?

Big name companies like State Farm, Allstate and GEICO consistently run television and radio advertisements. All the companies say the same thing that you’ll save big if you switch to them. It sounds good, but how can they all charge less that you’re paying now? It’s all in the words they use.

Car insurance companies quote their best rates for the type of customer that earns them the most money. An example of a profitable insured might be described as between the ages of 40 and 55, has never had a policy lapse, and has a high credit rating. A prospective insured who fits those characteristics may get the lowest rates and therefore will save when they switch companies.

Drivers who cannot meet this stringent profile will probably be forced to pay higher rates which translates to business going elsewhere. The trick companies use is to say “drivers that switch” but not “all drivers who get quotes” can get the lowest rates when switching. That is how insurance companies can confidently claim big savings.

That is why drivers must compare price quotes frequently. Because you never know the company that will give you the biggest savings.

Auto insurance coverages and their meanings

Knowing the specifics of your auto insurance policy can be of help when determining the best coverages and proper limits and deductibles. Auto insurance terms can be impossible to understand and coverage can change by endorsement. Shown next are typical coverage types found on the average auto insurance policy.

Comprehensive protection

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, a tree branch falling on your vehicle, vandalism, falling objects and hitting a deer. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage

Collision insurance pays for damage to your STS from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as driving through your garage door, crashing into a building, sideswiping another vehicle, backing into a parked car and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Liability coverage

Liability coverage provides protection from damage or injury you incur to other’s property or people by causing an accident. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Some companies may use one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like emergency aid, legal defense fees, funeral expenses, medical expenses and court costs. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 2011 Cadillac STS.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are set the same as your liability limits.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as prosthetic devices, dental work, ambulance fees, surgery and X-ray expenses. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Be a Smart Shopper

Lower-priced 2011 Cadillac STS insurance can be sourced both online in addition to many insurance agents, so get free auto insurance quotes from both of them in order to have the best chance of saving money. Some auto insurance companies do not offer online price quotes and these small insurance companies only sell coverage through independent agencies.

As you prepare to switch companies, it’s very important that you do not sacrifice coverage to reduce premiums. There are too many instances where someone sacrificed liability limits or collision coverage to discover at claim time they didn’t purchase enough coverage. Your objective should be to purchase plenty of coverage at the lowest possible cost.

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