Vehicles > Cadillac > STS

Cadillac STS Insurance Rates

Finding cheaper auto insurance online is easy, plus you will probably save money. The key is to take the time to get rates from all companies so you can get the best prices.

Consumers who are new to the process of buying insurance may think purchasing low-cost Cadillac STS insurance is very challenging. Finding a better price on auto insurance is not rocket science. Consumers just need to spend a few minutes comparing rates from different insurance companies. It is quite easy and can be accomplished by completing this short form.

Premiums are calculated by these things

Insurance rates on a Cadillac STS can vary widely based upon several criteria. Including but not limited to:

  • Your driving record
  • Credit rating
  • Male drivers pay higher rates
  • Low deductibles cost more
  • Crash test rating for your STS
  • No claims lowers premiums
  • No coverage lapses saves money
  • Home ownership saves money

One last important factor which can affect the rate you pay on your Cadillac is the year of manufacture. New vehicles have a higher actual cash value so repair costs are higher which can inflate annual premiums. Conversely, new Cadillac models may have options such as dual-stage airbags, tire pressure monitors, and blind-spot warning system which can give discounted rates.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle from the list below.

Liability coverage - Liability insurance provides protection from damage or injury you incur to people or other property that is your fault. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so purchase higher limits if possible.

Collision coverages - This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage for your Cadillac STS can be pricey, so consider dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible to bring the cost down.

Comprehensive coverage - This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout your auto insurance company will pay is the actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Since a lot of 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.

Medical payments coverage and PIP - Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like EMT expenses, pain medications, and nursing services. They are used in conjunction with a health insurance policy or if you do not have health coverage. PIP is not universally available but it provides additional coverages not offered by medical payments coverage.

How Much are Cadillac STS Insurance Rates?