2010 Cadillac DTS Insurance Quotes – 6 Tips for Cheaper Rates

Finding better insurance prices for a Cadillac DTS could be a lot of work, but you can learn these tips to make it easier.

There are more efficient ways to buy insurance and we’ll show you the quickest way to get price quotes for a Cadillac and obtain the lowest possible price from both online companies and local agents.

If you have a policy now or are looking for a new policy, you will benefit by learning to cut your premiums and still get good coverage. Pricing affordable insurance is simple if you know the tricks. Drivers just need to know the best way to buy insurance over the internet.

How to get insurance coverage rate quotes

Finding cheap 2010 Cadillac DTS insurance coverage rates is pretty simple and can save money. You just have to spend a few minutes comparing rates from different insurance companies. It is quite easy and can be accomplished in several different ways.

  1. Probably the best way consumers can make multiple comparisons is an all-inclusive rate comparison like this one (opens in new window). This style of form eliminates the need for repetitive form submissions for each company you want a rate for. In just a few minutes this one form gets coverage cost estimates from multiple low-cost companies. It’s definitely the quickest method.
  2. A more time consuming way to obtain and compare quotes online is spending the time to visit each individual company website and request a quote. For sake of this example, let’s assume you want to get rates from Farmers, Esurance and GEICO. In order to compare rates, you need to spend time going to each site individually to input your insurance information, and that explains why we recommend the first method. For a handy list of car insurance company links in your area, click here.
  3. The least recommended method to comparison shop is to drive around to different agent offices. Quoting online can eliminate the need for a local agent unless you require the professional advice of a local agency. Some companies do allow you to compare online quotes but buy from a local insurance agent.

Compare rates however you want, just double check that you are using exactly the same coverage limits on every quote you get. If the quotes have mixed coverages it will be impossible to get a fair rate comparison.

Do you qualify for these six discounts?

Insurance is not an enjoyable expense, but you may be missing some discounts that you may not even know about. Some trigger automatically at quote time, but some must be asked about prior to receiving the credit. If you don’t get every credit available, you are just wasting money.

  • Paper-free Discount – A few larger online companies will give you a small discount for buying a policy and signing up on their website.
  • One Accident Forgiven – This isn’t a discount exactly, but companies like GEICO, Allstate and Liberty Mutual allow you one accident without raising rates so long as you haven’t had any claims for a specific time period.
  • Savings for New Vehicles – Buying insurance coverage on a new vehicle is cheaper because new model year vehicles keep occupants safer.
  • Low Mileage Discounts – Driving fewer miles may enable drivers to earn lower rates due to less chance of an accident.
  • Student Discounts – Performing well in school can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
  • Driver’s Ed – Require your teen driver to enroll and complete driver’s education as it will make them better drivers and lower rates.

As a sidenote, many deductions do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Even though the math looks like adding up those discounts means a free policy, you aren’t that lucky.

Larger insurance companies and some of the premium reductions they offer are shown below.

  • 21st Century may offer discounts for teen driver, 55 and older, anti-lock brakes, theft prevention, air bags, homeowners, and defensive driver.
  • Progressive includes discounts for multi-policy, homeowner, online signing, continuous coverage, online quote discount, and good student.
  • State Farm may include discounts for good student, driver’s education, accident-free, multiple autos, anti-theft, student away at school, and Steer Clear safe driver discount.
  • Nationwide offers discounts for good student, easy pay, family plan, anti-theft, Farm Bureau membership, accident-free, and multi-policy.
  • Esurance policyholders can earn discounts including Pac-12 alumni, safety device, homeowner, defensive driver, online quote, and claim free.
  • The Hartford has savings for defensive driver, air bag, driver training, anti-theft, good student, and bundle.

Check with every insurance company which credits you are entitled to. Some discounts listed above may not apply to policies in your area. If you would like to see a list of insurance companies that offer many of these discounts, click this link.

Don’t assume everyone needs the same auto insurance coverage

When choosing proper insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is unique.

For instance, these questions may help highlight whether your personal situation may require specific advice.

  • When would I need rental car insurance?
  • Can I rent a car in Mexico?
  • Do I have coverage when pulling a U-Haul trailer?
  • What are the financial responsibility laws in my state?
  • Is my 2010 Cadillac DTS covered for flood damage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • How high should my uninsured/underinsured coverage be in my state?

If you’re not sure about those questions, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Can switching companies really save?

Consumers can’t get away from all the ads that claim the best prices from companies such as State Farm and Allstate. All the ads seem to make the promise that drivers can save some big amount if you just switch to them.

That’s great but how can every company offer drivers better rates? It’s all in the wording.

Insurance companies have specific characteristics for the type of driver that earns them a profit. One example of this type of driver could possibly be married and over the age of 30, has no claims, and drives less than 5,000 miles a year. Anybody that matches those criteria is entitled to the best price and is almost guaranteed to pay quite a bit less when switching companies.

Potential customers who fall short of those standards may be forced to pay more expensive rates which usually ends up with business not being written. If you pay attention, the ads say “customers who switch” but not “everyone who gets a quote” save that much. That’s why insurance companies can make claims that they all have the best premium rates.

This really drives home the point why you absolutely need to compare as many free car insurance quotes as you can. It’s not possible to predict which company will have the best car insurance rates.

Car insurance coverage options for a 2010 Cadillac DTS

Having a good grasp of car insurance aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Comprehensive car insurance

This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as theft, vandalism and a broken windshield. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability insurance

Liability insurance will cover injuries or damage you cause to other’s property or people. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers claims such as repair costs for stationary objects, attorney fees, emergency aid, legal defense fees and medical services. How much coverage you buy is your choice, but buy higher limits if possible.

Collision coverage protection

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

Collision coverage protects against things like scraping a guard rail, colliding with a tree, sustaining damage from a pot hole and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family and also any damage incurred to your Cadillac DTS.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually the UM/UIM limits are similar to your liability insurance amounts.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for bills for things like pain medications, chiropractic care, prosthetic devices, funeral costs and nursing services. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Save your hard earned cash

As you restructure your insurance plan, you should never buy poor coverage just to save money. There are a lot of situations where someone sacrificed liability coverage limits and discovered at claim time that their decision to reduce coverage ended up costing them more. Your objective should be to get the best coverage possible at the best possible price, but do not sacrifice coverage to save money.

People change insurance companies for many reasons like delays in responding to claim requests, extreme rates for teen drivers, unfair underwriting practices or lack of trust in their agent. Regardless of your reason, finding the right auto insurance provider can be easy and end up saving you some money.

We’ve covered many tips how you can reduce 2010 Cadillac DTS insurance car insurance rates online. The key thing to remember is the more price quotes you have, the better your chances of lowering your premium rates. Consumers may even find the best price on auto insurance is with a small local company.

More tips and info about auto insurance is available at these sites: