2006 Cadillac DTS Insurance Rates

Looking for cheaper insurance rates for your Cadillac DTS? I doubt anyone looks forward to buying insurance, in particular when the cost is way too high.

Due to the increasing number of options, it’s nearly impossible to find a more affordable insurer.

The purpose of this post is to familiarize you with the most effective way to quote insurance and some tips to save money. If you currently have car insurance, you should be able to cut costs considerably using this strategy. But car owners must understand the way insurance companies market on the web because it can help you find the best coverage.

How to compare insurance coverage price quotes

There are several ways to compare insurance coverage prices but one way is more efficient than others. You can spend countless hours talking about coverages with insurance agencies in your area, or you can utilize online quoting to get the quickest rates.

Most of the larger companies belong to an insurance system where insurance shoppers submit one quote, and every company then gives them pricing for coverage. This eliminates the need for quotation requests to each individual insurance coverage company.

To compare rates using this form now click here to start a free quote.

The one disadvantage to comparing rates this way is you are unable to specify which carriers you want to price. So if you want to choose specific providers to compare prices, we have a listing of low cost insurance coverage companies in your area. Click here to view list.

The method you choose is up to you, but do your best to use apples-to-apples coverage information for each quote you get. If you use mixed coverages it will be impossible to determine which company has the best rates. Slightly different limits may result in a large different in cost. It’s important to know that comparing more quotes will increase your chances of finding more affordable rates. Some insurance companies are not set up to provide online rate quotes, so you need to compare price quotes from them, too.

Get cheaper car insurance rates with discounts

Companies offering auto insurance don’t always advertise the entire discount list very clearly, so the below list has some of the best known in addition to some of the lesser obvious discounts you could be receiving when you buy auto insurance online.

  • Discounts for Safe Drivers – Accident-free drivers can save up to 40% or more on their auto insurance quote for DTS coverage compared to rates paid by drivers with frequent claims.
  • Theft Deterent Discount – Cars, trucks, and SUVs that have factory anti-theft systems help deter theft and will save you 10% or more.
  • Senior Citizen Discount – Drivers that qualify as senior citizens can possibly qualify for a small decrease in premiums for DTS coverage.
  • Sign Early and Save – Some larger companies give discounts for signing up prior to your current policy expiration. Ten percent is about the average savings.
  • New Car Discount – Insuring a new car may earn a small discount because newer models are generally safer.
  • Telematics Data – People who choose to allow driving data collection to analyze their driving habits by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease as long as they are good drivers.

Keep in mind that some credits don’t apply the the whole policy. Most only reduce the cost of specific coverages such as liability, collision or medical payments. Just because it seems like you can get free auto insurance, nobody gets a free ride.

Larger car insurance companies and a selection of discounts can be read below.

  • Farmers Insurance may offer discounts for business and professional, multi-car, homeowner, switch companies, pay in full, bundle discounts, and electronic funds transfer.
  • Esurance has discounts for emergency road assistance, claim free, Switch & Save, homeowner, anti-lock brakes, anti-theft, and defensive driver.
  • State Farm offers discounts including Drive Safe & Save, driver’s education, multiple policy, Steer Clear safe driver discount, passive restraint, defensive driving training, and good student.
  • Geico policyholders can earn discounts including good student, multi-vehicle, emergency military deployment, membership and employees, and federal employee.
  • Allstate has savings for early signing, eSmart discount, anti-theft, safe driver, and anti-lock brakes.

Before purchasing a policy, check with every company to apply every possible discount. Some discounts listed above might not apply in your area. If you would like to choose from a list of insurers who offer free car insurance quotes, follow this link.

Tailor your auto insurance coverage to you

When it comes to buying the best auto insurance coverage, there really is not a “best” method to buy coverage. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that might help in determining whether your personal situation would benefit from an agent’s advice.

  • Are rental cars covered under my policy?
  • Am I covered if I crash into my own garage door?
  • Am I insured when driving a different vehicle?
  • Can I afford low physical damage deductibles?
  • Does liability extend to a camper or trailer?
  • Is my state a no-fault state?
  • Should I put collision coverage on all my vehicles?
  • Do I need PIP (personal injury protection) coverage in my state?
  • What can I do if my company won’t pay a claim?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Learn how to quote insurance coverage cheaper

The best way to find cheaper insurance coverage is to take a look at the rating factors that aid in calculating the level of your policy premiums. When you understand what controls the rates you pay, this enables you to make decisions that could result in lower premium levels. Many things are used when quoting car insurance. Some factors are common sense like your driving record, but some are more obscure such as your credit history or how safe your car is.

  • Cheaper rates after marriage – Your spouse may save some money compared to being single. It means you’re more responsible and insurance companies reward insureds because drivers who are married file infrequent claims.
  • Limits of liability – Liability insurance will provide protection if you are ruled to be at fault for damages caused by your negligence. Liability insurance provides you with a defense in court which can cost a lot. This coverage is very inexpensive compared to other policy coverages, so buy as much as you can afford.
  • High premiums for youthful drivers – Older insureds are proven to be safer behind the wheel, cost insurance companies less in claims , and are generally more financially stable.Teenage drivers are statistically proven to be careless and easily distracted when behind the wheel and because of this, their insurance coverage rates are much higher.
  • Only buy coverage you need – There are many additional extra coverages that may not really be needed but may not be useful. Insurance for vanishing deductibles, high-cost glass coverage, and extra equipment coverage are probably not needed. They may seem good when deciding what coverages you need, but now you might not need them so remove them and pocket the money.

Educate yourself about insurance coverages

Learning about specific coverages of your insurance policy can help you determine appropriate coverage for your vehicles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverage types found on the average insurance policy.

Comprehensive coverages

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from flooding, hail damage and falling objects. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto liability

Liability insurance protects you from injuries or damage you cause to other’s property or people in an accident. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims like medical expenses, pain and suffering, legal defense fees and medical services. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as ambulance fees, chiropractic care, EMT expenses, rehabilitation expenses and funeral costs. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover you and your occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

This coverage covers damage to your DTS resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like sideswiping another vehicle, hitting a mailbox, backing into a parked car and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also bump up the deductible to save money on collision insurance.

Uninsured and underinsured coverage

This provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as damage to your Cadillac DTS.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these coverages are identical to your policy’s liability coverage.

Affordable insurance is out there

As you quote auto insurance, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed collision coverage and learned later that the small savings ended up costing them much more. Your goal should be to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.

The cheapest 2006 Cadillac DTS insurance is possible both online as well as from insurance agents, so you should compare both to have the best chance of lowering rates. Some auto insurance companies may not offer rate quotes online and usually these small, regional companies prefer to sell through independent agents.

More learning opportunities