2008 Cadillac DTS Insurance Cost – 8 Ideas for Cheaper Prices

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Looking for lower insurance rates for your Cadillac DTS? Feel like you’re a prisoner to high-priced insurance? Believe me, many consumers are feeling buyer’s remorse and feel like there’s no way out.

Since consumers have many insurance companies to choose from, it’s difficult to locate the lowest cost insurance company.

Buying car insurance is not that difficult. If you have car insurance now, you will be able to save some money using these techniques. Nevertheless, consumers can benefit by having an understanding of the way insurance companies market insurance on the web and apply this information to your search.

Lower rates by qualifying for these eight discounts

Companies offering auto insurance do not list all available discounts very well, so we researched both well-publicized and the harder-to-find insurance coverage savings.

  • Good Student Discount – This discount can earn a discount of 20% or more. The discount lasts well after school through age 25.
  • Low Mileage Discounts – Keeping the miles down on your Cadillac could be rewarded with discounted rates on garaged vehicles.
  • Life Insurance Discount – Companies who offer life insurance give better rates if you take out life insurance.
  • Driver Safety – Completing a driver safety course could save 5% or more if your company offers it.
  • New Car Discount – Putting insurance coverage on a new car can be considerably cheaper since new cars are generally safer.
  • Multiple Policy Discount – If you insure your home and vehicles with one company you could get a discount of 10% to 20% off each policy.
  • Military Discounts – Being deployed with a military unit may qualify for rate reductions.
  • No Claims – Drivers who don’t have accidents can earn big discounts when compared with accident-prone drivers.

It’s important to note that most credits do not apply the whole policy. Some only reduce specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like adding up those discounts means a free policy, you’re out of luck.

Companies that may offer these discounts include:

  • State Farm
  • GEICO
  • Liberty Mutual
  • The Hartford
  • MetLife
  • Progressive

Before buying, ask each insurance company which discounts you may be entitled to. All car insurance discounts might not be offered in every state.

Slick advertising tricks that work

Allstate, GEICO and Progressive constantly bombard you with ads in print and on television. All the companies say the same thing about savings if you switch your coverage to them. How does each company make almost identical claims?

All the different companies have a preferred profile for the driver they prefer to insure. An example of a driver they prefer might be between 25 and 40, has no prior claims, and drives less than 7,500 miles a year. A customer getting a price quote that hits that “sweet spot” will qualify for the lowest rates and therefore will save when they switch companies.

Potential customers who fall outside the “perfect” profile will be quoted more money and this can result in the driver buying from a lower-cost company. Company advertisements say “customers that switch” not “everyone that quotes” save money. This is how companies can truthfully make the claims of big savings. This emphasizes why you should compare many company’s rates. It’s just too difficult to predict which company will give you the biggest savings on Cadillac DTS insurance.

Car insurance is unique, just like you

When it comes to buying coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions can help discover whether your personal situation might need an agent’s assistance.

  • Does liability extend to a camper or trailer?
  • Am I covered if I drive in a foreign country?
  • Am I covered when driving in Canada or Mexico?
  • When should my teen driver be added to my policy?
  • Is other people’s property covered if stolen from my vehicle?
  • Which companies will insure high-risk drivers?
  • Am I covered if I crash into my own garage door?
  • Does my policy pay for OEM or aftermarket parts?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do I need more liability coverage?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Learn about insurance coverages for a 2008 Cadillac DTS

Understanding the coverages of a insurance policy helps when choosing appropriate coverage for your vehicles. Insurance terms can be ambiguous and reading a policy is terribly boring. These are the normal coverages found on most insurance policies.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for X-ray expenses, hospital visits and ambulance fees. They are often utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Coverage for liability

This can cover damages or injuries you inflict on other’s property or people by causing an accident. It protects YOU from claims by other people, and doesn’t cover 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. Your policy might show liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things such as bail bonds, structural damage, repair costs for stationary objects and legal defense fees. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Collision insurance

This pays for damage to your DTS from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as sustaining damage from a pot hole, scraping a guard rail and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Comprehensive protection

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

Comprehensive can pay for claims like fire damage, damage from flooding, vandalism and hitting a bird. The maximum amount 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.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your 2008 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 should not be overlooked.

Final considerations

Throughout this article, we presented many tips how you can lower your 2008 Cadillac DTS insurance rates. It’s most important to understand that the more you quote, the higher the chance of saving money. Consumers may even find the lowest premiums are with a small local company. Regional companies may only write in your state and offer lower rates than their larger competitors like State Farm or Progressive.

As you go through the steps to switch your coverage, never buy poor coverage just to save money. In too many instances, drivers have reduced uninsured motorist or liability limits only to discover later they didn’t have enough coverage. The aim is to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

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