2001 Cadillac Seville Insurance Cost – 5 Savings Tips

Looking for better auto insurance rates for your Cadillac Seville? Paying for expensive Cadillac Seville insurance can drain your family’s budget and force you to tighten up your finances. Online insurance companies like State Farm, Allstate, GEICO and Progressive all claim big savings, bombarding you with TV and radio ads and it is difficult to ignore the flying pigs and cute green geckos and find the best price available.

You should take the time to get comparison quotes every six months due to the fact that insurance prices change quite often. Even if you got the best deal on Seville insurance a year ago you may be paying too much now. Forget all the misinformation about auto insurance because you’re about to learn the right way to find great coverage at a great price.

If you have a policy now or need new coverage, you can use these tips to cut your premiums and still get good coverage. Buying car insurance is easy if you know what you’re doing. Vehicle owners only need an understanding of how to compare price quotes online.

Compare auto insurance quotes online

Finding cheap 2001 Cadillac Seville auto insurance rates is surprisingly easy. You just have to take a couple of minutes getting comparison quotes to discover which company has cheaper insurance coverage quotes. It is quite easy and can be accomplished in a couple of different ways.

  1. One of the fastest ways to compare a lot of rates at once is an all-inclusive rate comparison (click to open form in new window). This type of form eliminates the need for separate quotes for every auto insurance company. One simple form gets you coverage quotes instantly.
  2. A more time consuming way to find better pricing consists of visiting the website for each individual company and repeat the quote process again and again. For instance, we’ll assume you want to get rates from State Farm, Esurance and GEICO. To get rate quotes you would need to visit each site and repeatedly enter your information, which is why first method is reommended.

    To view a list of companies in your area, click here.

  3. The most time-consuming method to compare price estimates to all the different insurance agencies. Buying insurance online eliminates the middleman unless you’re the type of person who wants the extra assistance that only a licensed agent can provide. Although you can compare online quotes but have a local agent actually write the policy.

The method you choose is up to you, but do your best to enter equivalent coverage information for each price quote. If you are comparing different data it will be impossible to make an equal comparison.

Affordable auto insurance quotes with discounts

Insuring your vehicles can cost a lot, but you may be missing some discounts that can dramatically reduce your bill. Many of these discounts will be applied automatically at the time of quoting, but once in a while a discount must be inquired about in order for you to get them. If you’re not getting every credit you qualify for, you may be paying too high a price.

  • Air Bags and Passive Restraints – Vehicles equipped with air bags can receive discounts of 20% or more.
  • Theft Deterent – Vehicles that have factory alarm systems and tracking devices can help prevent theft and that can save you a little bit as well.
  • ABS Brakes – Cars, trucks, and SUVs that have steering control and anti-lock brakes have fewer accidents so companies give up to a 10% discount.
  • Paper-free Discount – Some of the larger companies will give a small break get insurance coverage on your computer.
  • Discount for Swiching Early – A few insurance companies give discounts for buying a policy prior to your current policy expiring. You could save around 10% when you buy insurance coverage online.

While discounts sound great, it’s important to understand that most credits do not apply the the whole policy. Most only cut individual premiums such as liability and collision coverage. If you do the math and it seems like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

Large auto insurance companies and their possible discounts include:

  • Farmers Insurance offers discounts including bundle discounts, distant student, electronic funds transfer, business and professional, and mature driver.
  • Esurance may have discounts that include DriveSense, good student, multi-policy, good driver, Pac-12 alumni, and defensive driver.
  • State Farm policyholders can earn discounts including good student, multiple policy, accident-free, defensive driving training, and driver’s education.
  • GEICO includes discounts for good student, multi-policy, emergency military deployment, defensive driver, and federal employee.
  • Allstate has savings for good student, early signing, resident student, good payer, and economy car.

Before you buy a policy, ask every company how you can save money. Some discounts might not be offered on policies in your state. To choose providers that offer the discounts shown above, click this link.

Tailor your insurance coverage to you

When it comes to buying the best insurance coverage for your personal vehicles, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions may help highlight whether you might need an agent’s assistance.

  • Why is insurance for a teen driver so high?
  • Am I better off with higher deductibles on my 2001 Cadillac Seville?
  • Is rental equipment covered for theft or damage?
  • Does medical payments coverage apply to all occupants?
  • How much liability do I need to cover my assets?
  • Do I have any recourse if my insurance company denies a claim?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

Insurance coverage breakdown

Understanding the coverages of your policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types offered by insurance companies.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as damage to your Cadillac Seville.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Liability insurance

This protects you from injuries or damage you cause to other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability insurance covers things such as attorney fees, repair bills for other people’s vehicles and legal defense fees. How much coverage you buy is your choice, but buy as large an amount as possible.

Comprehensive protection

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as theft, damage from getting keyed, damage from a tornado or hurricane and fire damage. The highest amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision protection

Collision insurance covers damage to your Seville resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like crashing into a ditch, colliding with a tree and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for surgery, nursing services, hospital visits, prosthetic devices and chiropractic care. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers you and your occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage