Insurance Analysis for the 2013 Cadillac XTS

If you can afford it, the new 2013 Cadillac XTS is a beautiful car with amazing safety ratings.

The new 2013 Cadillac XTS

The new 2013 Cadillac XTS is not your grandma’s Cadillac. It has a smooth, sleek body, a technologically advanced control panel, and impressive handling. It also has the price tag to go with it, as it starts at $44,075.

With all of the impressive physical qualities in addition to safety ratings that are only seen on few other vehicles, it has me rethinking my quest for a Mercedes Benz.

Safety Ratings for the 2013 Cadillac XTS

Both the National Highway Transportation Safety Administration (NHTSA) and the Insurance Institute of Highway Safety (IIHS) both like this car.

The NHTSA gave the 2013 XTS 5 out of 5 stars for 11 of its 12 crash tests. The only test that it did not get 5 out of 5 for was the rollover rating and it scored 4 out of 5 on that test.

The IIHS rated the 2013 Cadillac XTS as a “Top Safety Pick” for 2013, meaning that the IIHS feels that it is one of the safest vehicles that are on the road today. The vehicle received a “good” rating for every category that it was tested in. A “good” rating is the highest rating that the IIHS gives for its testing.

The vehicle was not tested in the small frontal crash test or it may have earned the distinction of being a “Top Safety Pick +”, making it rated as the safest of the safe vehicles on the road today. And considering the poor ratings that Cadillac vehicles have earned in the past, these high ratings are even more impressive.

Insurance Thoughts on the 2013 Cadillac XTS

As much as I am impressed by the safety and look of the 2013 XTS, the insurance rates for it are going to be higher than other sedans.

Now, Cadillac vehicles have a 50/50 reputation when it comes to types of drivers that drive them and the likelihood that they are going to get in an accident. One the one hand, you have older drivers and upper middleclass families safely driving these vehicles that would keep the liability premiums down.

But, you also have a whole class of fast, unsafe drivers that buy a Cadillac vehicle because that’s what they see their favorite rapper or actor driving, and they want to be just like them. Fortunately, this type of driver sticks to the SUV models for the most part, which could help the XTS as it is a sedan’s liability ratings.

The high safety ratings will help with keeping the medical payments or pip coverage (depending on your state) down.

And finally, the comprehensive and collision coverages are going to be higher than they would be on other sedans. With the starting price of this vehicle $20,000 higher than the average price of other sedan’s the insurance companies are going to be paying more to fix or total out the 2013 Cadillac XTS; which they pass along to you in the form of higher insurance premiums.