Cheaper 2008 Cadillac DTS Insurance Rates

Looking for cheaper insurance coverage rates for your Cadillac DTS? I really doubt anyone enjoys paying for insurance coverage, in particular when the prices are way too high.

Companies like Geico, Farmers Insurance and State Farm promote their brand names with fancy advertisements and it is challenging if not impossible to see through the deception and do the work needed to find the best deal.

You need to get comparison quotes once or twice a year because insurance coverage prices tend to go up over time. If you had the lowest price for DTS insurance at your last renewal the chances are good that you can find a lower rate today. Ignore everything you know about insurance coverage because you’re about to learn the only way to find great coverage at a great price.

How to buy car insurance online

Effectively comparing car insurance prices can take time and effort if you aren’t aware of the easiest way. You can waste hours discussing policy coverages with insurance agencies in your area, or you can stay home and use online quoting to get rate comparisons in just a few minutes.

Many insurance companies belong to a marketplace where prospective buyers submit their information once, and at least one company returns a rated price for coverage. This prevents consumers from doing quote requests for each company you want a rate for.

To compare pricing click here (opens in new window).

The one downside to using this type of form is you don’t know exactly the providers to receive prices from. So if you prefer to choose from a list of companies to request quotes from, we have a listing of low cost car insurance companies in your area. Click to view list.

The approach you take is up to you, just double check that you are using exactly the same quote information for each price quote. If the quotes have different values for each quote you can’t possibly get a fair rate comparison. Slightly different insurance coverages or limits could mean much higher rates. And when price shopping your coverage, comparing more rates from different companies helps locate more affordable rates. Some smaller insurers to not give online rate quotes, so you need to compare prices on coverage from those companies, too.

Find discounts on car insurance

Some providers don’t list every discount they offer in an easy-to-find place, so the list below contains some of the best known in addition to some of the lesser obvious credits available to you. If they aren’t giving you every credit you deserve, it’s possible you qualify for a lower rate.

• Telematics Devices – People who choose to allow their company to scrutinize vehicle usage by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive might see lower rates if their driving habits are good.
• Club Memberships – Being in qualifying clubs or civic groups could earn you a nice discount when getting a insurance quote.
• Distant Student – Older children who live away from home at college and do not take a car to college could qualify for this discount.
• Driver Training Discounts – Taking time to complete a defensive driver course could cut 5% off your bill and easily pay for the cost of the class.
• ABS and Traction Control Discounts – Vehicles with ABS braking systems or traction control can reduce accidents and therefore earn up to a 10% discount.
• Accident Forgiveness Coverage – Not really a discount, but companies like State Farm and Geico will turn a blind eye to one accident before hitting you with a surcharge if you are claim-free prior to the accident.
• Discount for Passive Restraints – Cars that have air bags may get savings of 25 to 30%.
• Driver Education Discount – Have your child take driver’s ed class in school or through a local driver safety program.
• Sign Online – A handful of insurance companies will provide an incentive for buying your policy on their website.
• New Vehicle Savings – Buying a new car instead of a used car is cheaper because newer models keep occupants safer.

You can save money using discounts, but some credits don’t apply to your bottom line cost. Some only apply to the cost of specific coverages such as liability and collision coverage. Even though the math looks like all those discounts means the company will pay you, you aren’t that lucky.

Larger car insurance companies and a selection of discounts are:

• State Farm may have discounts that include accident-free, passive restraint, safe vehicle, good driver, student away at school, and multiple autos.
• American Family discounts include defensive driver, mySafetyValet, bundled insurance, TimeAway discount, and multi-vehicle.
• Geico may offer discounts for multi-vehicle, emergency military deployment, anti-theft, membership and employees, and driver training.
• 21st Century may include discounts for homeowners, driver training, student driver, defensive driver, air bags, teen driver, and anti-lock brakes.
• Progressive has savings for multi-vehicle, good student, multi-policy, online signing, homeowner, and continuous coverage.

It’s a good idea to ask all the companies which discounts can lower your rates. Some discounts might not apply in every state. To see a list of car insurance companies who offer free car insurance quotes, click this link.

Tailor your car insurance coverage to you

When choosing proper insurance coverage for your personal vehicles, there is no one size fits all plan. Every situation is different so your insurance needs to address that. For example, these questions may help you determine if your situation may require specific advice.

• Can my teen drive my company car?
• Should I have a commercial auto policy?
• Which is better, split liability limits or combined limits?
• Does my 2008 Cadillac DTS need full coverage?
• Can I rate high risk drivers on liability-only vehicles?
• How much can I save by bundling my policies?
• Do I have coverage when pulling a U-Haul trailer?
• Who is covered when they drive my 2008 Cadillac DTS?

If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Auto insurance coverages

Understanding the coverages of a insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Insurance terms can be difficult to understand and reading a policy is terribly boring. These are typical coverages offered by insurance companies.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

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 is very important.

Comprehensive coverage – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like rock chips in glass, hitting a deer, hail damage and damage from flooding. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP kick in for bills such as rehabilitation expenses, hospital visits and surgery. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Collision coverages – This covers damage to your DTS caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as crashing into a ditch, scraping a guard rail, rolling your car and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Auto liability – This coverage provides protection from damages or injuries you inflict on other’s property or people by causing an accident. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims such as bail bonds, court costs, funeral expenses, emergency aid and loss of income. How much coverage you buy is up to you, but you should buy as large an amount as possible.