Cheap 2009 Cadillac DTS Insurance Rates

Trying to find the cheapest insurance coverage rates for your Cadillac DTS? Searching for the cheapest insurance for a Cadillac DTS can normally be an all-consuming task, but you can learn our insurance coverage buying tips to find lower rates. There are more efficient ways to find insurance coverage online so we’re going to tell you the best way to price shop coverage for your Cadillac and get the cheapest rates from both online companies and local agents.

You need to take a look at other company’s rates periodically since prices change quite often. Just because you found the lowest rate for DTS insurance two years ago you can probably find a lower rate today. Forget all the misinformation about insurance coverage because you’re about to find out the fastest way to properly buy coverages while reducing your premium.

If you have a policy now or are shopping for new coverage, you will benefit by learning to find better prices while maintaining coverages. Buying the lowest cost car insurance can be fairly easy. Vehicle owners only need to know the tricks to get comparison rates on the web.

How much is auto insurance?

Shopping for lower auto insurance rates can be a daunting task if you don’t utilize the easiest way. You could spend your day talking to agents in your area, or you could save time and use online quotes to get pricing more quickly.

Many popular insurance companies belong to a marketplace that enables customers to enter their policy data once, and at least one company then gives them pricing determined by their information. This eliminates the need for quote forms to each company.

To compare pricing click here to open in new window.

One minor caviat to getting quotes like this is you cannot specify which companies you will receive quotes from. If you prefer to choose specific providers to compare prices, we have a page of companies who write auto insurance in your area. Click to view list.

The approach you take is up to you, just try to use nearly identical deductibles and coverage limits on every quote. If you are comparing differing limits you can’t possibly determine which rate is truly the best.

Double check you’re getting these money-saving discounts

Auto insurance companies don’t always advertise their entire list of discounts very well, so here is a list some of the best known in addition to some of the lesser obvious discounts that may be available. If you do not double check each discount you qualify for, you are throwing money away.

  • Payment Discounts – By making one initial payment instead of monthly or quarterly installments you could save 5% or more.
  • ABS Brakes – Cars equipped with ABS or steering control can stop better under adverse conditions and will save you 10% or more.
  • Own a Home – Just owning your own home can save a few bucks because of the fact that having a home is proof that your finances are in order.
  • Discount for New Cars – Buying a new car model may earn a small discount because newer models are generally safer.
  • Discount for Life Insurance – Some insurance carriers give better prices if you take out a life insurance policy as well.
  • Defensive Driver Discounts – Taking time to complete a safe driver course may get you a small discount depending on where you live.
  • Discount for Swiching Early – A few insurance companies give discounts for buying a policy early. It can save you around 10%.
  • Use Seat Belts – Buckling up and requiring all passengers to use a seat belt can save a little on the premium charged for medical payments and/or PIP.
  • Paperwork-free – A handful of auto insurance companies will give you a small discount for completing your application online.

A little disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. Most cut individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, it doesn’t quite work that way.

Some companies who might offer these discounts include:

When quoting, ask every insurance company which discounts you may be entitled to. Some of the discounts discussed earlier might not be offered on policies everywhere. To locate insurance companies with discount auto insurance rates, click here.

Do I need special coverages?

When buying adequate coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different.

These are some specific questions may help you determine if you might need an agent’s assistance.

  • When should I remove comp and collision on my 2009 Cadillac DTS?
  • How can I find cheaper teen driver insurance?
  • How does medical payments coverage work?
  • What if I total my 2009 Cadillac DTS and owe more than it’s worth?
  • Is my 2009 Cadillac DTS covered for flood damage?
  • Is my custom paint covered by insurance?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and can provide invaluable advice.

Auto insurance coverages

Knowing the specifics of your policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Liability car insurance

Liability coverage protects you from damage or injury you incur to a person or their property that is your fault. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values 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 a limit of $100,000 paid for damaged property.

Liability can pay for claims such as loss of income, repair costs for stationary objects, repair bills for other people’s vehicles, emergency aid and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as rock chips in glass, vandalism and damage from getting keyed. The maximum payout your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for bills for things like prosthetic devices, hospital visits, funeral costs and doctor visits. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Collision protection

This coverage covers damage to your DTS resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like damaging your car on a curb, crashing into a ditch, hitting a mailbox, scraping a guard rail and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comments About 2009 Cadillac DTS Insurance

  1. Jean Gentry

    Allstate is decent in Concord, NH.

  2. Nilsa Willis

    Lots of good stuff here. Lifelong resident of Eugene, OR. I got free quotes from GEICO, Encompass, and Hanover for my 2009 Cadillac DTS and I think I saved around $70 each month. Left Mercury to switch. I even had a DUI years ago.

  3. Maxima Stark

    Anyone understand their policy?

  4. Domenic Thomas

    All companies are crooks. From a town just southwest of Portland, Maine. I got free rates from 21st Century, Liberty Mutual, and Farmers for my DTS and I’m now saving $24 a month. Was with Eastwood. Ask about discounts.

  5. Miles Dorsey

    I switched to State Farm. Quoted good rates in Boise, Idaho. Switched homeowners coverage too.

  6. Mitzie Gallagher

    Will Progressive raise rates for a rock chip claim?

  7. Tamekia Hernandez

    If you don’t have tickets and live near Reno, NV, check out GEICO. You might save some money. They have free quotes online.

  8. Keenan Byers

    I live on the west side of Worcester, Massachusetts. Got quotes with State Farm, Liberty Mutual, and Erie for my Cadillac and saved $265 a year. BTW speeding tickets are not good. You can get a rate quote online.

  9. Gerardo Kent

    Lifelong resident of Portland, OR. Got car insurance quotes from Travelers, AIG Insurance, Liberty Mutual, and MetLife for my Cadillac and saved just over $460 a year. Left MetLife to switch.

  10. Katherin Woodard

    Lots of useful info here. Proud to be from Buffalo, NY. Compared quite a few companies. Saved right around $50 a month. State Farm was the cheapest for me.