Three Steps to Paying Less for Cadillac DTS Insurance
If we enjoyed shopping for car insurance, we'd do it more often. Unfortunately, it's not always as easy as it sounds to get the best rate. You might feel the same pain when having to pay the bill on your Cadillac DTS.
Step One: Get Insurance Quotes
The antiquated method of shopping for car insurance included a high pressure visit to the office of your local insurance agent. But now you can eliminate that hassle and buy online!
You can compare insurance rates for a Cadillac DTS simply and quickly just by filling out one form. This allows you to quote the same coverages with multiple companies and pick the lowest rate.
To find affordable coverage for your Cadillac DTS, the first step is to click the link below and complete the short form.
Same Limits on Quotes! This tip is very important. The only way to accurately compare rates on your DTS is to use the same limits of liability as well as deductibles on physical damage coverage. You won't be able to compare rates if you use different values on your quotes.
Step Two: Tricks to Saving Money on DTS Insurance
After completing step one and having some rates to compare, you can now focus on policy and lifestyle modifications that will lower your DTS insurance rates.
- Cheap insurance rates and high performance don't usually mix. If low rates are your goal, the Cadillac DTS is probably not the best vehicle due to it's above average performance.
- Before a comprehensive or collision claim is paid by your company, you have to pay a deductible first. The more you're willing to pay, the lower your rates will be. Consider raising your deductibles to $500 or even $1,000.
- When repairing accident damage on luxury vehicles, body shops charge more because the replacement parts are more expensive. Everything from a fender to a tail light will cost more to replace so your insurance rates will be higher as well.
- One of the best ways to lower your insurance rates is to raise your credit score. Check your rating once a year and make sure to address any problem areas immediately.
- Youthful or teen drivers that are rated on any vehicle will cost more. The inexperience and tendancy to enjoy going fast is a recipe for an accident.
- If you've recently completed a driver's training or safety course, tell your insurance company. You may qualify for a 5-10% discount.
- Speeding not only costs you a fine, a single ticket will raise your car insurance rates for up to three years. Slow down and be a safe driver and you'll pay lower rates.
- If you have a period where you don't have any insurance coverage, that's called a lapse. The longer the lapse, the more you'll pay to reinstate coverage.
- Air bags, antilock brakes, traction control, and stability control all help lower the cost of insurance due to reducing the risk of injury in an accident.
- Renters will find they may be paying more for insurance as compared to homeowners. Owning a home can often get you a small discount on your car insurance.
- Try to maintain a claim-free discount on your car insurance policy. Obviously you can't prevent large claims, but if they are smaller and you can afford to pay them out-of-pocket, do so.
- Car insurance disounts for senior citizens are often offered by companies as well as discounts for belonging to a professional organization.
- Reduce your rates by buying a car that is not a hot model for car thieves. Certain makes and models are more tempting than others, and high-frequency stolen vehicles get charged a higher rate.
Step Three: Choose the Right Company for You
It's time to make a purchase decision based on your rate comparisions and and any policy coverage changes you wish to make. Once you are comfortable with the cost and coverages, you can finalize your purchase by paying your premium down payment.
Car insurance policies don't have to be cancelled at the renewal date, but just be sure the new policy starts the same day you cancel your old policy. This avoids any gaps in coverage between policies.
Any time you buy a new vehicle, make sure you have car insurance in place, either from an existing policy or a new policy that you purchase from the dealership floor. Be sure to have a new policy ready to go if you are buying a new DTS. If you've never had car insurance or don't have a policy now, you won't have any protection on the vehicle until you add it to your policy.
At the end of buying your policy, you will be able to print out a new proof-of-insurance card to place in your vehicle. This card is required by law and must be produced if requested by law enforcement. An SR-22 filing may be required by your state's DMV if you've been convicted of a serious driving offense such as DUI, DWI or reckless driving. If this applies to you, make sure the car insurance company complies with the SR-22 requirement.
Car Insurance Resources
The Insurance Information Institute is the industry authority for consumer car insurance information.
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