2006 Cadillac DTS Insurance Quotes

Finding low-cost insurance for a Cadillac DTS could be a painful process, but you can use a few tricks and make it easy. There is a better way to buy car insurance and we’ll show you the quickest way to compare rates for a new or used Cadillac and obtain the lowest price from local insurance agents and online providers.

It’s important to shop coverage around on a regular basis because prices are rarely the same from one policy term to another. Just because you found the best price for DTS insurance last year you can probably find a better rate quote now. There is a lot of bad information regarding car insurance online but in a few minutes you can learn some of the best ways to quit paying high car insurance rates.

Buying car insurance is easy if you know what you’re doing. If you have a policy now or need a new policy, you can use this information to get lower rates and still get good coverage. Vehicle owners just need to know the proper way to compare company rates online.

How to lower your insurance rates

An important part of buying insurance is that you know the factors that help determine the rates you pay for insurance coverage. When you know what positively or negatively influences your rates, this enables you to make decisions that could result in much lower annual insurance costs.

The itemized list below are some of the items used by insurance companies to determine premiums.

  • Gender as a rate factor – Statistics have proven that women are safer drivers than men. It does not mean females are better at driving than males. Males and females tend to get into auto accidents at a similar rate, but the male of the species have costlier accidents. Not only that, but men also get more serious tickets like DWI (DUI) or reckless driving. Youthful male drivers cause the most accidents and therefore have the most expensive insurance coverage rates.
  • Excellent credit scores equal low prices – Your credit score is likely to be a major factor in determining your rates. So if your credit rating is lower than you’d like, you could pay less to insure your 2006 Cadillac DTS by improving your rating. Drivers who have excellent credit tend to be more responsible than drivers with poor credit.
  • Never allow your insurance coverage policy to lapse – Driving with no insurance is against the law and you will pay a penalty because you let your insurance expire. In addition to paying higher rates, not being able to provide proof of insurance might get you a revoked license or a big fine.
  • Certain employers raise rates – Occupations like military generalsairline pilots and financial analysts usually pay higher premiums than the average policyholder because of intense work requirements and incredibly demanding work hours. On the other hand, jobs like scientists, students and homemakers have lower than average premiums for DTS insurance.
  • Teen drivers are expensive to insure – Drivers with little experience are statistically proven to be less responsible behind the wheel so insurance coverage rates are higher. Adding a inexperienced driver to your insurance coverage policy will cause a huge premium hike. Older, more experienced drivers are more responsible, tend to cause fewer accidents and receive fewer citations.
  • Add-on coverages can cost a lot – There are many extra add-on coverages that can add up on your insurance coverage policy. Things like personal injury protection, high-cost glass coverage, and term life insurance may not be needed and are just wasting money. You may think they are a good idea when buying your policy, but if you don’t need them remove them from your policy.
  • You may save more by bundling policies – Lots of insurance companies apply a discount to policyholders who consolidate policies with them. It’s known as a multi-policy discount. Even if you’re getting this discount it’s in your best interest to compare rates to make sure you are getting the best deal. You may still save even more by buying insurance from more than one company.

The fastest way that we advise to compare policy rates is to know the fact most of the larger companies have advanced systems to provide you with a free rate quote. To start a quote, the only thing you need to do is provide a little information such as whether you have decent credit, whether or not you need a SR-22, any included safety features, and how many miles driven. The rating information is instantly sent to multiple companies and you will receive price estimates almost instantly.

To find the cheapest 2006 Cadillac DTS insurance rates, click here and complete the quick form.

Auto insurance policy discounts you can’t miss

Buying auto insurance is not cheap, but you may be missing some discounts that can dramatically reduce your bill. Most are applied when you quote, but once in a while a discount must be asked about prior to receiving the credit. If you are not receiving all the discounts you deserve, you are just wasting money.

  • ABS and Traction Control Discounts – Anti-lock brake equipped vehicles can reduce accidents so you can save 10 percent or more.
  • Federal Government Employee – Active or retired federal employment could qualify for a slight premium decrease for DTS insurance with certain companies.
  • Student Discounts – Being a good student may save you up to 25%. This discount can apply well after school through age 25.
  • Auto/Life Discount – Not all auto insurance companies offer life insurance, but some may give you better premium rates if you take out life insurance.
  • Telematics Data Discounts – Drivers that enable driving data collection to scrutinize driving habits by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate might see lower rates if they have good driving habits.
  • No Claim Discounts – Drivers who stay claim-free pay less as opposed to drivers with a long claim history.

Don’t be surprised that many deductions do not apply to the entire cost. Most only reduce the cost of specific coverages such as liability, collision or medical payments. Even though it appears having all the discounts means you get insurance for free, nobody gets a free ride.

Large auto insurance companies and a partial list of their discounts are shown below.

  • State Farm may have discounts that include good driver, good student, defensive driving training, multiple autos, accident-free, multiple policy, and passive restraint.
  • GEICO may offer discounts for military active duty, federal employee, driver training, five-year accident-free, defensive driver, multi-vehicle, and emergency military deployment.
  • Progressive offers discounts including good student, online signing, multi-vehicle, online quote discount, and homeowner.
  • 21st Century has discounts for homeowners, good student, anti-lock brakes, teen driver, theft prevention, early bird, and defensive driver.
  • American Family may include discounts for bundled insurance, accident-free, good driver, air bags, Steer into Savings, and multi-vehicle.
  • The Hartford includes discounts for vehicle fuel type, driver training, defensive driver, good student, and air bag.
  • AAA offers premium reductions for multi-car, anti-theft, good driver, multi-policy, and pay-in-full.

If you are trying to find affordable auto insurance quotes, ask each insurance company to apply every possible discount. Savings might not be offered in your state. To view insurance companies that offer multiple discounts, click this link.

Insurance agents can help

When choosing proper insurance coverage, there really is no cookie cutter policy. Everyone’s situation is unique.

For instance, these questions might help in determining if you would benefit from professional advice.

  • Am I covered if my car is in a flood?
  • If I drive on a suspended license am I covered?
  • How can I get high-risk coverage after a DUI?
  • Am I covered when using my vehicle for business?
  • Can I drive in Mexico and have coverage?
  • Am I covered if I crash into my own garage door?
  • How much can I save by bundling my policies?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and can provide invaluable advice.

Auto insurance 101

Understanding the coverages of car insurance helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as hitting a mailbox, driving through your garage door, backing into a parked car, damaging your car on a curb and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Protection from uninsured/underinsured drivers

This coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Cadillac DTS.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for liability

This coverage can cover damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage pays for things like pain and suffering, court costs and legal defense fees. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like rock chips in glass, fire damage, damage from flooding, theft and hitting a deer. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like rehabilitation expenses, dental work and surgery. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

In any little way, save everyday

Throughout this article, we presented many ideas to get a better price on 2006 Cadillac DTS insurance. It’s most important to understand that the more quotes you get, the better likelihood of getting affordable auto insurance. Drivers may discover the best price on insurance is with a company that doesn’t do a lot of advertising.

When trying to cut insurance costs, it’s not a good idea to buy less coverage just to save a little money. There are many occasions where drivers have reduced liability coverage limits to discover at claim time that the small savings ended up costing them much more. Your goal is to buy a smart amount of coverage at the best price while not skimping on critical coverages.

Consumers who switch companies do it for a number of reasons such as denial of a claim, lack of trust in their agent, being labeled a high risk driver or high rates after DUI convictions. Regardless of your reason for switching companies, switching insurance companies can be less work than you think.

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