Compare 2006 Cadillac DTS Car Insurance Quotes

Want lower insurance coverage rates for your Cadillac DTS? Wish you could get a refund on an expensive insurance coverage policy? It’s quite common and there are lots of people in the same boat.

Numerous auto insurance companies battle for your business, and because of this it can be hard to compare car insurance companies and uncover the absolute lowest rate

Insurance quotes comparison

There are a lot of ways to compare insurance prices and some are more efficient than others. You can spend countless hours talking about coverages with local insurance agents in your area, or you can stay home and use the web to get the quickest rates.

Many popular insurance companies enroll in a system where insurance shoppers enter their policy data once, and at least one company then returns a price quote based on that information. This system prevents you from having to do quote requests for each company you want a rate for.

To participate in this free quote system, click here to start a free quote.

The one disadvantage to pricing coverage this way is you are unable to specify which companies you want to price. If you wish to select from a list of companies to receive pricing from, we have a listing of low cost insurance companies in your area. Click to view list.

It doesn’t matter which method you choose, just make absolute certain that you use exactly the same coverage information for every company. If you use differing limits it will be very difficult to determine which rate is truly the best. Slightly different coverages may result in large price differences. And when quoting insurance, remember that comparing more quotes helps you find the best offered rates. Not every company allows you to get rate quotes online, so it’s important to also get rates from them as well.

Buyer beware of auto insurance advertising tricks

Companies like Allstate and Progressive regularly use television, radio, and online ads. They all seem to try to convey promises that you can save if you switch your policy. It sounds good, but how can they all charge you less for car insurance? Just pay attention to how they say it.

Insurance companies quote the lowest rates for the driver that earns them the most money. For instance, a desirable risk could possibly be between the ages of 30 and 50, is a homeowner, and has excellent credit. Someone who matches those parameters will get the preferred prices and have a good chance to save some money.

Potential customers who don’t qualify for the requirements will probably have to pay higher prices which usually ends up with the customer not buying. Company advertisements say “people that switch” not “everyone who quotes” can save as much as they claim. That is how insurance companies can make the claims of big savings. Because of the profiling, you really should compare many company’s rates. It’s not possible to predict with any certainty which company will have the best prices at this point in time.

How do car insurance companies determine Cadillac DTS insurance premiums?

An important part of buying insurance is that you know a few of the rating criteria that help determine your policy premiums. When you understand what determines premiums, this allows you to make good choices that could result in cheaper rates. Lots of things are used in the calculation when pricing auto insurance. Most are fairly basic such as your driving record, although some other factors are not quite as obvious like your continuous coverage or how financially stable you are.

The itemized list below are some of the most common factors that factor into your rate level.

• Higher rates for stressful vocations – Careers like real estate brokers, social workers and dentists are shown to have higher rates than average due to stressful work requirements and lots of time spent away from family. On the other hand, careers like farmers, athletes and retirees pay the least on DTS insurance.
• Lower rates with a multi-policy discount – Most major insurance coverage companies provide discounts to customers that have more than one policy in the form of a multi-policy discount. This can amount to five, ten or even twenty percent. Even if you already get this discount, consumers should still compare rates to ensure the best deal.There is a chance you can save more without the discount by splitting coverages up.
• Traffic violations inflate rates – Good drivers pay less for auto insurance as compared to careless drivers. Having just one chargable violation can boost insurance rates by as much as thirty percent. Drivers who have gotten serious violations like reckless driving or DUI may need to file a SR-22 with their state in order to legally drive.
• Prevent your car from being stolen – Purchasing a vehicle with advanced anti-theft systems can earn a premium discount. Systems that thwart theives such as OnStar, LoJack tracking, and tamper alarms all aid in stopping car theft and help bring rates down.
• Women tend to take less risk – Over the last 50 years, statistics have shown women tend to be less risk to insure than men. That doesn’t necessarily mean that women are BETTER drivers than men. Males and females cause accidents at a similar rate, but men have accidents that have higher claims. They also have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly.
• Age of drivers – Teen drivers are statistically proven to be easily distracted behind the wheel so insurance coverage rates are higher. If you’ve ever had to add a teenage driver to your policy can break the bank. Older people tend to be more responsible, cost insurance companies less in claims .

Take advantage of every car insurance discount

Car insurance can cost a lot, but there could be available discounts that could drop your premiums quite a bit. Certain reductions will be credited when you complete an application, but occassionally some discounts must be asked about before you get the savings.

• Telematics Data Discounts – Drivers who elect to allow data collection to monitor vehicle usage by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates as long as the data is positive.
• Driver Safety – Taking part in a course in safe driver could possibly earn you a 5% discount depending on where you live.
• Low Mileage Discounts – Fewer annual miles on your Cadillac can qualify you for better rates on cars that stay parked.
• Memberships – Affiliation with a civic or occupational organization could earn you a nice discount on your bill.
• Senior Citizens – Seniors may qualify for a slight reduction on a car insurance quote on DTS insurance.

You can save money using discounts, but some credits don’t apply the the whole policy. Most only reduce specific coverage prices like liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, you aren’t that lucky.

A few companies that possibly offer these benefits are:

• Geico
• Mercury Insurance
• Farmers Insurance
• Auto-Owners Insurance
• Liberty Mutual
• SAFECO
• Progressive
• USAA

When getting a coverage quote, ask each insurance company which credits you are entitled to. Some discounts listed above might not be offered on policies in your area. To see a list of insurance companies that offer some of these discounts, click here to view.

How to know if you need help

When it comes to choosing the right insurance coverage, there really is no single plan that fits everyone. Every situation is different so your insurance needs to address that. Here are some questions about coverages that might help in determining whether or not you could use an agent’s help.

• Should I buy additional glass protection?
• Do I have newly-aquired coverage?
• What is roadside assistance coverage?
• Does coverage extend to my business vehicle?
• Is my Cadillac DTS covered if I use it for business?
• Is my 2006 Cadillac DTS covered for flood damage?
• Should I bundle my homeowners policy with my auto?
• Do I need PIP coverage since I have good health insurance?
• What is high-risk coverage and where do I buy it?
• Am I covered if my car is in a flood?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Insurance coverage specifics

Learning about specific 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 confusing and coverage can change by endorsement. Listed below are the normal coverages available from insurance companies.

Collision coverage

Collision coverage covers damage to your DTS resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as scraping a guard rail, damaging your car on a curb and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as damage to your Cadillac DTS.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Liability coverage

This coverage protects you from damage that occurs to people or other property by causing an accident. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things such as repair bills for other people’s vehicles, emergency aid, structural damage and pain and suffering. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for immediate expenses like ambulance fees, chiropractic care, hospital visits, funeral costs and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants as well as being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from getting keyed, damage from flooding, damage from a tornado or hurricane and fire damage. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

More quotes. Lower rates.

When searching for inexpensive car insurance quotes, do not buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed full coverage only to discover later that they should have had better coverage. Your goal is to find the BEST coverage at the best price, not the least amount of coverage.

We just presented many ideas to reduce 2006 Cadillac DTS insurance premium rates online. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. Consumers could even find that the lowest premium rates are with the least-expected company. Smaller companies may often insure only within specific states and give getter rates compared to the large companies like Geico and State Farm.

More information is available below:

• Avoiding Deer Collisions (Insurance Information Insitute)
• Rental Car Insurance Tips (Insurance Information Insitute)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• What is a Telematics Device? (Allstate)
• Steps to Take After an Auto Accident (Insurance Information Insitute)