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Car Insurance for Cadillac

Here's what you need to know...
  • The Cadillac is a brand well-known for luxury and style
  • If you’re considering purchasing a Cadillac, be sure to compare prices and features from several dealerships
  • Shopping for your insurance coverage can be just as important as shopping for your car
Over the years, Cadillac has had a reputation for precision engineering and luxury.

Cadillac was formed from the remnants of the Henry Ford Company after the company was dissolved in 1902.

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Their demonstrated ability in producing interchangeable auto parts earned them The Dewar Trophy, an international award for outstanding British technical achievement in the automotive industry

In 1912, Cadillac incorporated an electrical starting system, electrical ignition, and electrical lighting.

Cadillac now produces vehicles ranging in price from the 2014 ATS Sedan with an MSRP of $33,065 to the 2014 Escalade ESV with $70,570 as its MSRP.

Before purchasing any car, including the Cadillac, be sure to check consumer sites and reviews to learn the pros and cons of any brand you’re considering.

Shopping for a New Cadillac

Comparison shopping is the best way to ensure that you’re getting the best price on something you wish to purchase. Comparison shopping is the best way to ensure that you’re getting the best price on your purchase. It takes time and effort, but it’s well worth it.

This is true if you’re purchasing laundry detergent, green beans, automobiles, or insurance.

When you’re searching for a new car, you need to determine the criteria for your ideal vehicle.

Decide what needs you have with regard to space, comfort, gas mileage, durability, and style.

Then consider your budget to determine how much money you can afford to spend for transportation. You can check online to determine the estimated five-year cost of ownership for a vehicle.

A careful consumer weighs the use of their assets.

A Car is Just a Car

black luxury of car moves on the city street

A basic tenet to remember is that automobiles are a form of transportation.

Realistically, individuals need to ignore all the marketing hype and compare features of different varieties of cars, including prices and costs.

The intangibles inferred by advertising arise from within individuals, not the property or accouterments they own.

Shopping for Interest Rates

Before going car shopping, it’s a good idea to check with your bank, credit unions, or relatives to estimate the cost of borrowing money to purchase your chosen vehicle.

Rates vary according to credit ratings, your employment, and the lender’s estimate of the possibility of getting a return on their money.

Checking ahead can also give you a clue about how much you can spend on a car. Besides, a percentage point of interest can make a huge difference in your monthly payments.

At this point in the United States, very few individuals can afford to pay cash for a vehicle. If you could, it would save you a great deal of money in interest.

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Insuring a Cadillac

Because the Cadillac is a well-known and respected brand, it is easy to insure unless you have:

Parts for American-made vehicles are ordinarily freely obtained from the manufacturer, so the cost of repairs is reduced.

Your best bet for comparing costs of insurance is to use a free online quote tool. Next, check the stability of any insurance company you’re considering by examining their A.M. Best rating.

The rating should be at least A or above to verify that the insurance company will likely stand behind their policyholders in the event of an accident.

Details for Insurance Comparisons

Have available the following details about you and your family:

  • Names, dates of birth, and drivers license numbers for all drivers
  • Any citations, accidents, or traffic convictions for each driver
  • Make, model, and description of all cars
  • How each vehicle is used (e.g. commuting)
  • The address at which the vehicles are garaged

If you are getting a ballpark quotation, one that may or may not be accurate, don’t put in your social security number. If you decide to purchase the insurance, you may provide it at that time.

Insurance websites can wait for this information until the policy is actually being purchased.

Coverage Options

Car Speed on Road

Get out your old insurance policy and look at it to help determine the coverage you’ll need.

If you are new to a state, check with the State Department of Insurance for statutorily required limits. The limits of liability are in parenthesis.

Liability Insurance covers your liability to others in the event of an accident and requires:

  • Bodily Injury & Property Damage Liability – $100,000 per person/$300,000 per accident for Bodily Injury/$100,000 for Property Damage
  • Uninsured/Underinsured Motorist – $100,000 per person/$300,000 per accident for Bodily Injury/ $50,000 for Property Damage
  • Medical Payments – $5,000

Property Insurance covers your vehicles and requires:

  • Comprehensive – $500 deductible
  • Collision – $500 deductible

Considerations to remember for insurance pricing:

  • Your driving record does matter
  • Credit rating is checked by insurance companies to help determine your insurability
  • Base cost of the vehicle and the vehicle manufacturer’s history in accidents makes a difference
  • Insurance prices vary from state to state, depending upon the rate filings promulgated by the insurance companies

Insurance prices can vary dramatically for the same vehicle using different insurance companies.

Here are example quotations for the same vehicle, the 2013 Cadillac XTS sedan using the limits suggested above:

  • Company 1 – $582.00 for six months
  • Company 2 – $280.00 for six months

In this case, doing comparison shopping would save you over $300 every six months. It pays to take the time to compare prices and features for cars as well as insurance.

Enter your zip code into the FREE tool below to easily compare auto insurance rates from multiple providers!

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