1998 Cadillac Catera Insurance Rates – 10 Tips to Save

Trying to find better insurance rates for your Cadillac Catera? Searching for better insurance prices for a Cadillac Catera can be difficult, but you can learn the following methods to make it easier.

There are both good and bad ways to buy insurance so we’re going to tell you the best way to get price quotes on a Cadillac and obtain the cheapest rates either online or from local insurance agents.

Finding affordable protection is simple if you know the tricks. If you have insurance now or are just looking to switch companies, you can use these techniques to get lower rates and still get good coverage. Vehicle owners just need to know the most efficient way to get comparison quotes online.

Quote insurance coverage online

Comparing insurance coverage rates can be exhausting if you don’t utilize the easiest way. You could waste a few hours discussing policy coverages with local insurance agents in your area, or you could use online quotes to get pricing more quickly.

The majority of car insurance companies belong to an insurance system where prospective buyers submit their information once, and each company provides a quote determined by their information. This eliminates the need for form submissions to each company.

To get comparison pricing now click here (opens in new window).

One minor caviat to comparing rates this way is you cannot specify the providers you will receive quotes from. If you would rather choose individual companies to compare prices, we have a page of companies who write insurance coverage in your area. View list of insurance companies.

Which method you use is up to you, but compare equivalent coverages for every company. If you are comparing unequal deductibles or liability limits it’s not possible to get a fair rate comparison.

When to get professional advice

When choosing the best insurance coverage, there really is no “best” method to buy coverage. Each situation is unique.

Here are some questions about coverages that can help discover if your situation would benefit from an agent’s advice.

  • Why do I need rental car insurance?
  • Does coverage extend to my business vehicle?
  • What companies insure drivers after a DUI or DWI?
  • How much liability coverage do I need in my state?
  • When would I need additional glass coverage?
  • Is my nanny covered when driving my vehicle?
  • Can my teen drive my company car?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and you can get the answers you need.

Auto insurance coverages

Understanding the coverages of your insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like rehabilitation expenses, dental work, surgery, ambulance fees and chiropractic care. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. It covers you and your occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Coverage for collisions

This pays to fix your vehicle from damage resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as sideswiping another vehicle, scraping a guard rail, crashing into a building, rolling your car and hitting a mailbox. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants from other motorists 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 Catera.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like theft, vandalism, hitting a deer, damage from a tornado or hurricane and falling objects. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability auto insurance

This can cover damage or injury you incur to a person or their property. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for claims like court costs, pain and suffering, legal defense fees, bail bonds and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.