2017 Cadillac XTS Car Insurance Quotes – 9 Tips for Best Rates

Trying to find better auto insurance rates? Buyers have options when searching for the lowest priced Cadillac XTS insurance. They can either waste time calling around trying to get quotes or leverage the internet to find the lowest rates.

There are both good and bad ways to shop for auto insurance so we’re going to tell you the proper way to get price quotes for your Cadillac and get the best price possible either online or from local insurance agents.

It’s smart to price shop coverage every six months due to the fact that insurance rates tend to go up over time. If you had the lowest rate on XTS insurance a couple years back you can probably find a lower rate today. You can find a lot of information about auto insurance online, but in a few minutes you can learn some excellent ideas to quit paying high auto insurance rates.

This article will familiarize you with the best way to quote coverages and some tips to save money. If you currently have car insurance, you should be able to save some money using these methods. Drivers just need to learn the proper way to shop for car insurance over the internet.

How to compare car insurance rate quotes

There are a variety of methods you can shop for car insurance but some are easier and takes less work. You can spend countless hours talking to agents in your area, or you can utilize the internet to get rates in a matter of minutes.

Most major companies participate in a marketplace that enables customers to submit their information once, and each company returns a rated price based on that information. This system prevents you from having to do repetitive form submissions for each company you want a rate for.

To find out how much you can save on car insurance click here to open in new window.

The only downside to comparing rates this way is you cannot specify which companies to receive prices from. So if you want to select from a list of companies for rate comparison, we have assembled a list of companies who write car insurance in your area. Click here to view list.

It’s your choice how you get your quotes, but make absolute certain that you use the same coverage limits and deductibles on every price quote you get. If your comparisons have different limits and deductibles on each one you will not be able to truly determine the lowest rate.

Earn discounts to get lower-cost auto insurance rates

Companies offering auto insurance don’t always list all available discounts very well, so the below list has some of the best known in addition to some of the lesser obvious credits available to you.

  • Multi-car Discount – Buying insurance for multiple vehicles with one company could earn a price break for each car.
  • Multi-line Discount – Insurance carriers who offer life insurance give better auto insurancerates if you take out some life insurance too.
  • Save over 55 – Older drivers could receive a small discount on rates on XTS insurance.
  • Club Memberships – Participating in a professional or civic organization is a simple method to lower premiums on your next auto insurance statement.
  • Telematics Devices – Drivers who agree to allow their auto insurance company to track driving manner through the use of a telematics system such as Progressive’s Snapshot could possibly reduce rates as long as the data is positive.
  • Pay Upfront and Save – If paying your policy premium upfront rather than paying in monthly installments you could save 5% or more.
  • Driver Safety – Participating in a driver safety course could earn you a small percentage discount if your company offers it.
  • Active Service Discounts – Being deployed in the military could be rewarded with lower prices.
  • No Claim Discounts – Drivers with accident-free driving histories pay much less in comparison with policyholders that have many claims.

Don’t be shocked that many deductions do not apply the the whole policy. Some only reduce the cost of specific coverages such as medical payments or collision. So when the math indicates all those discounts means the company will pay you, auto insurance companies aren’t that generous. But any discount will reduce the premium cost.

Popular auto insurance companies and their possible discounts can be read below.

  • GEICO includes discounts for anti-theft, five-year accident-free, driver training, multi-vehicle, and federal employee.
  • SAFECO has discounts for teen safe driver, safe driver, anti-lock brakes, accident prevention training, and drive less.
  • State Farm may have discounts that include multiple autos, good student, safe vehicle, passive restraint, good driver, and multiple policy.
  • MetLife offers discounts for claim-free, good student, accident-free, defensive driver, and multi-policy.
  • 21st Century offers premium reductions for anti-lock brakes, homeowners, defensive driver, air bags, and theft prevention.
  • Progressive offers discounts including multi-vehicle, homeowner, multi-policy, continuous coverage, good student, online signing, and online quote discount.

If you need lower rates, check with each company which discounts can lower your rates. Discounts may not apply to policies everywhere.

Tailor your car insurance coverage to you

When choosing coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s.

For example, these questions can help discover if your insurance needs might need professional guidance.

  • Should I rate my 2017 Cadillac XTS as pleasure use or commute?
  • Why does it cost so much to insure a teen driver?
  • When can my company non-renew my policy?
  • Which is better, split liability limits or combined limits?
  • Am I covered when using my vehicle for business?
  • Do I have newly-aquired coverage?
  • Am I covered when driving someone else’s vehicle?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.

Coverage specifics

Understanding the coverages of insurance helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Comprehensive insurance

This covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like theft, vandalism and falling objects. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as rehabilitation expenses, doctor visits and nursing services. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers you and your occupants in addition to any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Cadillac XTS.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Normally these coverages are set the same as your liablity limits.


Liability insurance will cover damages or injuries you inflict on people or other property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as structural damage, bail bonds, funeral expenses and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Collision coverage

This will pay to fix damage to your XTS resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like driving through your garage door, crashing into a ditch, colliding with a tree and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Quote often and quote early

As you quote car insurance, it’s a bad idea to buy less coverage just to save a little money. In too many instances, someone dropped collision coverage only to regret that the small savings ended up costing them much more. Your goal should be to purchase a proper amount of coverage for the lowest cost, but do not sacrifice coverage to save money.

Drivers who switch companies do it for a number of reasons such as poor customer service, high rates after DUI convictions, high prices and extreme rates for teen drivers. No matter why you want to switch, finding a new insurance company is pretty simple and you could end up saving a buck or two.

In this article, we presented a lot of information how to shop for 2017 Cadillac XTS insurance online. It’s most important to understand that the more quotes you get, the higher the chance of saving money. You may even find the best price on insurance is with an unexpected company.

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