Looking for better insurance rates for your Cadillac DTS? Having to pay for overpriced insurance can take a big chunk out of your personal savings and put the squeeze on your family’s finances. Comparison shopping is free, only takes a few minutes, and is a good way to lower your monthly bill. Insurance companies such as Progressive, State Farm and Geico constantly blast consumers with advertising and consumers find it hard to ignore the promise of big savings and take the time to shop coverage around.
Consumers should take time to take a look at other company’s rates quite often since insurance rates are variable and change quite frequently. If you had the best rates for DTS coverage a year ago you can probably find a lower rate today. Forget anything you know (or think you know) about insurance because you’re about to learn the easiest way to buy cheaper insurance.
Cutting your insurance rates is not a difficult process. Drivers just need to take a few minutes to compare rate quotes provided by online insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.
The first (and easiest) way to compare a lot of rates at once is an all-inclusive rate comparison click here to open form in new window. This form eliminates the need for separate quote forms to each individual insurance company. Just one form will return price quotes from multiple companies.
A slightly less efficient method to compare prices consists of going to the website of each company to request a price quote. For example, we’ll pretend you want to compare Auto-Owners, Farmers and Liberty Mutual. To find out each rate you need to spend time on each company’s site to input your insurance information, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.
The hardest method of comparing rate quotes is driving to different agent offices. Buying insurance online can eliminate the need for a local agent unless you have a need for the trained guidance that only a license agent can provide. Drivers can get prices online and get advice from an agent in your area and we’ll cover that in a bit.
Which method you use is up to you, but compare identical coverage limits and deductibles for every quote you compare. If each company quotes mixed coverages you will not be able to decipher which rate is best.
When it comes to buying the right insurance coverage for your personal vehicles, there is no cookie cutter policy. Each situation is unique and your policy should reflect that. For example, these questions can help discover whether you would benefit from an agent’s advice.
If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.
Learning about specific coverages of your insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Listed below are the usual coverages found on most insurance policies.
UM/UIM Coverage
This gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Cadillac DTS.
Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these coverages do not exceed the liability coverage limits.
Collision coverage protection
Collision insurance covers damage to your DTS from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.
Collision insurance covers things like crashing into a building, colliding with another moving vehicle, backing into a parked car and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.
Coverage for liability
This coverage will cover damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.
Liability can pay for things such as loss of income, funeral expenses and emergency aid. How much coverage you buy is a personal decision, but you should buy as much as you can afford.
Medical costs insurance
Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as nursing services, rehabilitation expenses, surgery, funeral costs and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. 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 an option in every state but can be used in place of medical payments coverage
Comprehensive or Other Than Collision
This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims like hitting a bird, hail damage and rock chips in glass. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.