1991 Cadillac DeVille Insurance Quotes

If you’ve never shopped for auto insurance quotes online, it’s easy to get overwhelmed of insurance providers all offering big savings.

Buy insurance coverage online

There are a lot of ways to compare insurance coverage prices but one way is more efficient than others. You can spend countless hours discussing policy coverages with insurance companies in your area, or you can utilize online quoting to get prices fast.

Many companies participate in a marketplace where prospective buyers submit their information once, and every company provides a quote determined by their information. This saves time by eliminating repetitive form submissions for every insurance coverage company.

To access this free quoting program, click here (opens in new window).

The only downside to getting quotes like this is you don’t know exactly which providers to get pricing from. If you would rather choose specific insurance companies to compare prices, we put together a list of the cheapest insurance coverage companies in your area. Click here to view list.

It doesn’t matter which method you choose, just ensure you’re using the same coverage limits for each comparison quote. If you are comparing different liability limits you will not be able to determine which rate is truly the best. Just slight variations in insurance coverages can result in a big premium difference. Keep in mind that making a lot of price comparisons gives you a better chance of getting a lower rate. Not every company allows you to get online rate quotes, so it’s important to compare rates on coverage from those companies, too.

Auto insurance discounts are available to reduce your rates

Companies don’t always publicize the complete list of policy discounts in an easy-to-find place, so here is a list a few of the more common as well as some of the hidden discounts that you can inquire about if you buy auto insurance online.

• Discount for Low Mileage – Low annual miles may enable drivers to earn lower premium rates due to less chance of an accident.
• Defensive Driver Discounts – Participating in a class that teaches safe driver techniques may get you a small discount and easily recoup the cost of the course.
• Claim Free – Good drivers with no accidents pay less as opposed to bad drivers.
• Passive Restraint Discount – Factory options such as air bags or motorized seat belts can receive discounts of up to 25% or more.
• Multiple Vehicles – Buying insurance for multiple cars or trucks on the same auto insurance policy qualifies for this discount.
• Student in College – Youth drivers who live away from home at college and don’t have a car can receive lower rates.
• Theft Deterent System – Vehicles with anti-theft systems have a lower chance of being stolen so companies will give you a small discount.
• Anti-lock Brakes – Cars and trucks with ABS braking systems or traction control prevent accidents so you can save 10 percent or more.
• Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education if it’s offered in school.

Discounts lower rates, but most discount credits are not given to all coverage premiums. Most only reduce specific coverage prices like physical damage coverage or medical payments. If you do the math and it seems like all the discounts add up to a free policy, it doesn’t quite work that way.

For a list of auto insurance companies who offer auto insurance discounts, click this link.

Everyone needs different insurance coverages

When choosing adequate coverage, there really is not a “perfect” insurance plan. Every insured’s situation is different.

Here are some questions about coverages that may help highlight if you might need an agent’s assistance.

• Can I drive in Mexico and have coverage?
• What happens if I owe more than my 1991 Cadillac DeVille is worth?
• Are there companies who specialize in insuring high-risk drivers?
• Does my policy cover my teen driver if they drive my company car?
• Do I need more liability coverage?
• Are rental cars covered under my policy?
• Do I benefit by insuring my home with the same company?

If you can’t answer these questions, you might consider talking to an agent. To find an agent in your area, fill out this quick form.

Coverages available on your policy

Learning about specific coverages of your car insurance policy aids in choosing appropriate coverage for your vehicles. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Medical payments and PIP coverage – Med pay and PIP coverage reimburse you for short-term medical expenses such as pain medications, ambulance fees, rehabilitation expenses, X-ray expenses and nursing services. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and damage to your Cadillac DeVille.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Coverage for liability – This protects you from damages or injuries you inflict on other’s property or people that is your fault. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things such as repair bills for other people’s vehicles, emergency aid and loss of income. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Collision coverages – This coverage pays for damage to your DeVille caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as sustaining damage from a pot hole, colliding with a tree and backing into a parked car. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Comprehensive auto coverage – This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hail damage, rock chips in glass, vandalism and theft. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.