Cadillac XLR Auto Insurance Rates

Finding the best Cadillac XLR auto insurance rates isn't hard if you know the factors that go into determining the average auto insurance cost. Cheap car insurance depends on a lot of factors. Your Cadillac XLR car insurance cost will be different depending on your age, your driving record, your credit, your marital status, and where you live. It's probably no surprise that choosing the right company makes a huge difference, too. Statefarm offers Cadillac XLR auto insurance rates for an average of $103, but Encompass charges an average auto insurance premium for an XLR of $233. One of the best ways to save is to compare Cadillac XLR car insurance quotes from the best auto insurance companies.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Jul 19, 2021

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Ah, the joys of owning a luxury vehicle. And when it’s a luxury sports car at that, it makes it even better.

Well, until you get a bill in the mail from your car insurance company. No doubt about it, Cadillac XLR auto insurance rates can be high. Your insurance provider will undoubtedly have many concerns about selling a policy on a vehicle that is no longer in production, that encourages unsafe driving habits and may be vulnerable to auto theft.

But there are ways to negotiate with your insurance company in order to get a fair price for your Cadillac XLR auto insurance. After all, relatively cheap car insurance rates aren’t hard to find for any vehicle if you know how to find them.

One of the best ways to make sure you’re saving as much as possible is to get quotes from lots of the best car insurance companies. You can use our FREE comparison tool to get lots of quotes right now.

A Brief History of the Cadillac XLR

Between 2004 and 2009, the Cadillac XLR was one of the premier luxury roadsters available from the Cadillac fleet. It was an American-made car, and one of the first attempts at a sports car from Cadillac. It was designed to compete with the Corvettes available from Chevrolet at the time. It was very well received, even earning the North American Car of the Year award back in 2004.

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Cadillac XLR in the News

For those who still own a Cadillac XLR, the biggest concern seems to be finding replacement parts for aging luxury vehicles. Luxury cars come with some pretty expensive parts as it is, but when you’re dealing with a discontinued model whose unique and specific parts may no longer be actively in production, you’re going to run into some serious costs. This expense will get compounded even further when your insurance provider charges you extra on your comprehensive and collision coverage, which are the coverages that will pay out claims for the replacement parts you will eventually need.

Comparing Cadillac XLR Auto Insurance

If you were able to afford a low six-figure price tag when you originally purchased your Cadillac XLR, then odds are you have the finances to own a home in a safe neighborhood with high property values. This is helpful when it comes to getting a lower rate on your car insurance. Things like lower populations, safer road conditions, and reduced instances of auto theft are music to your insurance agent’s ears. They will feel more comfortable lowering your insurance prices as a result.

Cadillac XLR Car Insurance by StateLegend: Cadillac XLR Quotes IllinoisMississippiSouth CarolinaOklahomaMinnesota 102030405060708090100110120130$84$97$133$112$102


Of course, you have to find an insurance company comfortable was selling coverage for a luxury vehicle in the first place. Some companies prefer to offer their services to very specific niche markets, like high-risk drivers, poor credit drivers, or those who drive vehicles that the average Joe can easily afford. However, if you compare quotes between providers, you should be able to find an insurance agency willing to help you protect your investment at a reasonable rate.

Cadillac XLR Auto Insurance by CompanyLegend: Cadillac XLR Quotes AlliedNationwideAllstateEncompassState Farm 153045607590105120135150165180195210225$104$111$166$233$103


An effective way to lower your Cadillac XLR car insurance rates is to alter the terms of your Comprehensive and Collision coverage. Raising your deductible helps, because it means the insurance company will pay out less money on claims which makes them want to reward you with a discount. If you think you can afford repair and replacement costs on your own (which Comprehensive and Collision coverages would normally pay for), you could try eliminating it entirely from your policy – however, we wouldn’t recommend it.

Altering your Comprehensive and Collision CoverageLegend: Basic Coverage Superior Coverage AlliedNationwideAllstateEncompassState Farm 20406080100120140160180200220240260280$104$127$111$129$166$194$233$283$103$128


Sometimes, it may feel like finding an affordable rate on your car insurance can feel like looking for a needle in a haystack. Well, let us help you get rid of some of that hay. We have a unique system for finding accurate quotes on any type of car insurance. And it works fast – much faster than tediously gathering them from the companies yourself all on your own. Just give our FREE quote generator a try. We promise you won’t be disappointed.

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See also: General Motors (GM) | Cadillac Car Insurance

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