How Much Does 2007 Cadillac DTS Insurance Cost?

Want cheaper insurance coverage rates for your Cadillac DTS? Nobody I know anticipates paying for insurance coverage, particularly when they could find lower prices if they just compared rates. Due to the fact that there are so many insurance providers from which to choose, it is hard for the average consumer to pick the most affordable company.

Consumers need to do price comparisons periodically because insurance coverage prices are usually higher with each renewal. Just because you had the best deal on DTS insurance two years ago a different company probably has better rates today. Forget anything you know (or think you know) about insurance coverage because you’re going to get a crash course in the fastest way to remove unneeded coverages and save money.

The easiest way to get policy rate comparisons takes advantage of the fact almost all companies have advanced systems to compare rate quotes. To get started, all you need to do is give them rating details such as how old drivers are, any included safety features, how many miles driven, and if you went to college. Your details is instantly sent to many highly-rated insurers and you should receive rate quotes almost instantly.

To compare multiple company rates now, click here and complete the quick form.

Double check you’re getting with these discounts

Auto insurance companies don’t always list every available discount very well, so the following is a list of both the well known as well as some of the hidden discounts that you can inquire about if you buy insurance coverage online.

  • Discounts for Multiple Vehicles – Insuring multiple vehicles on a single policy qualifies for this discount.
  • Discounts for Responsible Drivers – Drivers without accidents may receive a discount up to 45% on DTS insurance as compared to drivers with claims.
  • Air Bag Discount – Vehicles equipped with air bags can receive discounts of 25 to 30%.
  • Discount for Good Grades – Performing well in school can save 20 to 25%. Many companies even apply the discount to college students until age 25.
  • College Student – College-age children who attend college more than 100 miles from home without a vehicle on campus may be insured at a cheaper rate.
  • Homeowners Pay Less – Being a homeowner can save a few bucks because owning a home is proof of financial responsibility.

We need to note that most discount credits are not given the the whole policy. Most only apply to individual premiums such as liability, collision or medical payments. Despite the appearance that adding up those discounts means a free policy, that’s just not realistic.

Large insurance companies and their possible discounts include:

  • Mercury Insurance may have discounts that include good student, good driver, location of vehicle, age of vehicle, and accident-free.
  • Farmers Insurance offers premium reductions for business and professional, youthful driver, early shopping, switch companies, distant student, pay in full, and good student.
  • Farm Bureau offers discounts for youthful driver, good student, safe driver, renewal discount, and 55 and retired.
  • State Farm discounts include student away at school, safe vehicle, anti-theft, multiple autos, driver’s education, good student, and multiple policy.
  • Allstate may include discounts for farm vehicle, early signing, premier discount, passive restraint, premier plus, and defensive driver.
  • Geico offers discounts including emergency military deployment, five-year accident-free, federal employee, air bags, and multi-policy.

If you need cheap insurance coverage quotes, ask all the companies the best way to save money. Some discounts may not apply to policies in your area. If you would like to view insurance companies who offer insurance discounts, click here.

Your situation helps dictate your coverage

When it comes to buying the best auto insurance coverage for your vehicles, there is no perfect coverage plan. Every situation is different so your insurance should reflect that These are some specific questions can help discover whether your personal situation could use an agent’s help.

  • Is my babysitter covered when using my vehicle?
  • How do I insure my teen driver?
  • How high should deductibles be on a 2007 Cadillac DTS?
  • Is other people’s property covered if stolen from my vehicle?
  • Is upholstery damage covered by car insurance?
  • Am I covered when driving in Canada or Mexico?
  • Where can I get insurance after a DUI in my state?
  • Should I have combined single limit or split liability limits?
  • What discounts do I qualify for?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Detailed coverages of your insurance policy

Learning about specific coverages of a insurance policy can help you determine the best coverages for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are the usual coverages available from insurance companies.

Collision protection

This will pay to fix damage to your DTS resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like hitting a mailbox, driving through your garage door and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

This covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as hail damage, hitting a deer and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like rehabilitation expenses, pain medications, ambulance fees, funeral costs and EMT expenses. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Liability auto insurance

Liability insurance will cover damage or injury you incur to a person or their property. This insurance protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability can pay for things such as medical expenses, pain and suffering, loss of income, repair costs for stationary objects and structural damage. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comments About 2007 Cadillac DTS Insurance

  1. Randy Durham

    Lifelong resident of San Jose, CA, and 21st Century rates were best. Got better coverage too.

  2. Thelma Hodges

    Good site, thanks. From a town just southwest of Chesapeake, VA. Quoted with Amica, Mercury, and some smaller one I can’t remember the name of for my 2007 Cadillac DTS and saved $452 a year.

  3. Britni Burks

    If you have a good history and live in the vicinity of Oklahoma City, OK, check out Progressive. You might save some money. Insured with Hartford before. Switched homeowners coverage too.

  4. Julene Schneider

    I’m in the suburbs of Charleston, SC. I compared lots of rates. Saved right around $40 a month. GEICO was the cheapest for me. I have a couple other vehicles on the policy.

  5. Kevin Reyes

    If you have a good history and live near Salt Lake City, Utah, check out GEICO. You might get cheaper rates. Was with AAA. Moved home policy as well. Hardly afford to drive anymore.

  6. Letitia Guy

    If you’re a decent driver and live near Tampa, FL, check out 21st Century. I saved quite a bit.