2008 Cadillac DTS Car Insurance Quotes – 7 Tricks for Cheaper Rates

Shoppers have a choice when shopping for the best price on Cadillac DTS insurance. They can either spend hours contacting agents to get rate comparisons or use the internet to make rate comparisons.

There are both good and bad ways to find car insurance online and we’ll show you the quickest way to price shop coverage for a new or used Cadillac and find the lowest price either online or from local insurance agents.

It’s a great practice to do rate comparisons at least once a year since insurance prices are variable and change quite frequently. Despite the fact that you may have had the lowest price on DTS coverage last year you can probably find a lower rate today. Forget all the misinformation about car insurance because you’re going to get a crash course in the tricks you need to know to properly buy coverages and cut your premium.

How to compare car insurance rate quotes

There are several ways to shop for car insurance, but there is one way that is less time-consuming than others. You can waste a few hours (or days) talking to insurance agencies in your area, or you can stay home and use online quotes to accomplish the same thing much quicker.

Many insurance companies belong to an insurance system that enables customers to enter their coverage request one time, and each participating company returns a competitive quote based on that data. This prevents consumers from doing repetitive form submissions to each company.

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The only downside to pricing coverage this way is buyers cannot specifically choose which companies to get quotes from. If you would rather choose specific providers to request quotes from, we put together a list of the cheapest car insurance companies in your area. Click to view list.

Whichever method you choose, try to keep apples-to-apples coverage data on every price quote you get. If your comparisons have higher or lower deductibles you can’t possibly determine the lowest rate for your Cadillac DTS.

You may need specialized car insurance coverage

When choosing the right insurance coverage, there really is not a cookie cutter policy. Each situation is unique.

Here are some questions about coverages that may help you determine whether your personal situation would benefit from professional advice.

  • Am I covered when driving in Canada or Mexico?
  • Does coverage extend to a rental car in a foreign country?
  • Is my teen driver covered when they drive my company car?
  • Why am I required to buy high-risk coverage?
  • What is the ISO rating for a 2008 Cadillac DTS?
  • Should I have combined single limit or split liability limits?
  • Should I buy additional glass protection?
  • Is my ex-spouse still covered by my policy?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance policy specifics

Understanding the coverages of car insurance can be of help when determining which coverages you need for your vehicles. Car insurance terms can be confusing and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision)

This coverage covers 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 coverage pays for things like a tree branch falling on your vehicle, damage from a tornado or hurricane and theft. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto collision coverage

This will pay to fix damage to your DTS 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 pays for claims like hitting a parking meter, scraping a guard rail and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Insurance for medical payments

Med pay and PIP coverage reimburse you for bills such as X-ray expenses, ambulance fees, funeral costs, doctor visits and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Cadillac DTS.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability

Liability coverage will cover damages or injuries you inflict on a person or their property that is your fault. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers things such as repair costs for stationary objects, legal defense fees, loss of income, structural damage and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.