1993 Cadillac Seville Insurance Rates

Searching for lower auto insurance rates for your Cadillac Seville? Locating low-cost insurance for a Cadillac Seville can turn out to be a painful process, but you can learn a few tricks to save time. There are both good and bad ways to find auto insurance online so you’re going to learn the best way to compare rates for a new or used Cadillac and get the best price possible either online or from local insurance agents.

You need to shop coverage around every six months because auto insurance rates tend to go up over time. Even if you think you had the best deal for Seville coverage a year ago there is a good chance you can find better prices now. Block out anything you think you know about auto insurance because you’re going to get a crash course in one of the best ways to lower your annual insurance bill.

If you have insurance now or need a new policy, you can use these tips to cut your premiums and possibly find even better coverage. Locating the best insurance can be fairly easy. Drivers only need to know the proper methods to shop for insurance over the internet.

Learn how to get insurance more affordably

An important part of buying insurance is that you know some of the elements that aid in calculating your policy premiums. When you know what positively or negatively determines premiums, this empowers consumers to make smart changes that could help you find big savings. Many different elements are part of the calculation when pricing auto insurance. Some factors are common sense like your driving record, but some are not as apparent such as your marital status or how safe your car is.

The list below includes some of the items that factor into premiums.

• Too many insurance claims will drive prices up – Car insurance companies generally give the lowest premiums to people who are not frequent claim filers. If you file a lot of claims you can look forward to increased rates or even have your policy non-renewed. Your insurance policy is intended for claims that you cannot pay yourself.
• Gender matters – Statistics have proven females are less aggressive when driving. However, don’t assume that females are better at driving than males. Females and males cause at-fault accidents in similar percentages, but the males have costlier accidents. Men also get higher numbers of serious violations like DUI and reckless driving.
• Protect yourself with liability protection – Your insurance policy’s liability coverage provides coverage if ever you are determined to be liable for causing damage or personal injury in an accident. Liability insurance provides for a legal defense up to the limits shown on your policy. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.
• Do you need those extra coverages? – Insurance policies have a lot of extra coverages that sound like a good idea at the time when buying insurance. Coverage for things like rental car coverage, high-cost glass coverage, and extra equipment coverage are some examples. These coverages may sound good when talking to your agent, but if you have no use for them consider taking them off your policy.

How to compare insurance rate quotes

Cutting your insurance rates is not a difficult process. Drivers just need to take a few minutes to get quotes from some recommended companies. This is very easy and can be done using one of these methods.

The most efficient way to get the best comparison quotes would be an industry-wide quote request form click here to open form in new window. This method saves time by eliminating multiple quote forms for each price estimate. A single, simple form gets prices estimates from insurance companies with the best prices. This is perfect if you don’t have a lot of time.

A more difficult way to analyze rates consists of going to the website for each individual company and repeat the quote process. For sake of this example, we’ll pretend you want rates from Allstate, Safeco and Travelers. In order to compare rates, you need to go to each individual site and repeatedly enter your information, and that explains why we recommend the first method.

For a list of links to insurance companies in your area, click here.

Even if you have time, the least recommended way to find cheaper rates is to spend your day driving to insurance agencies in your area. Comparing rates online has reduced the need for local agents unless your situation requires the advice and guidance that you can only get from talking to an agent. Some companies do allow you to compare the best prices online but have your policy serviced through an agent.

However you get your quotes, make sure you are using the exact same coverages on every quote. If you compare different liability limits it will be very difficult to determine the best price for your Cadillac Seville.

Affordable car insurance quotes with discounts

Car insurance is neither fun to buy or cheap, but you might already qualify for some discounts that you may not even know about. Many discounts should be triggered at quote time, but occassionally some discounts must be requested specifically prior to getting the savings.

• ABS and Traction Control Discounts – Cars, trucks, and SUVs that have steering control and anti-lock brakes can avoid accidents so you can save 10 percent or more.
• Buy New and Save – Insuring a new car can get you a discount due to better safety requirements for new model year vehicles.
• Good Students Pay Less – A discount for being a good student may save you up to 25%. Most companies allow this discount up until you turn 25.
• Government Employees – Being employed by or retired from a federal job can earn a discount up to 10% for Seville coverage with a few car insurance companies.
• Theft Deterent System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems prevent vehicle theft and that can save you a little bit as well.
• Early Signing – A few insurance companies give discounts for switching policies before your current expiration date. This discount can save up to 10%.
• Student in College – Older children who are enrolled in higher education away from home and do not take a car to college can receive lower rates.

It’s important to understand that many deductions do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like medical payments or collision. Just because it seems like you can get free auto insurance, you won’t be that lucky.

If you would like to view car insurance companies that offer multiple discounts, click here.

Tailor your auto insurance coverage to you

When it comes to buying the best auto insurance coverage for your personal vehicles, there really is no one size fits all plan. Every situation is different.

For example, these questions may help you determine whether you would benefit from an agent’s advice.

• What if I owe more than I can insure my car for?
• Should I rate my 1993 Cadillac Seville as pleasure use or commute?
• Does my personal policy cover me when driving out-of-state?
• What is the difference between comprehensive and collision coverage?
• Do I need roadside assistance coverage?
• What are the best liability limits?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

What insurance coverages do you need?

Understanding the coverages of insurance can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Medical payments coverage and PIP – Med pay and PIP coverage provide coverage for short-term medical expenses for pain medications, ambulance fees and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage – This pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like theft, fire damage, a broken windshield, falling objects and damage from a tornado or hurricane. The most your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverages – Collision coverage will pay to fix damage to your Seville caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as colliding with another moving vehicle, hitting a parking meter, scraping a guard rail, sideswiping another vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Coverage for liability – This protects you from damages or injuries you inflict on people or other property in an accident. It protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

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. You might see liability limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things like repair costs for stationary objects, repair bills for other people’s vehicles, structural damage and medical services. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as damage to your Cadillac Seville.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Stretch your dollar

We covered quite a bit of information on how to get a better price on 1993 Cadillac Seville insurance. The key concept to understand is the more price quotes you have, the better likelihood of getting cheap insurance coverage. You may even find the best premium rates are with a small mutual company.

When getting insurance coverage quotes online, it’s a bad idea to skimp on coverage in order to save money. There are too many instances where someone sacrificed liability coverage limits to discover at claim time that they should have had better coverage. Your goal should be to get the best coverage possible for the lowest price, but do not skimp to save money.

People leave their current company for a variety of reasons including policy cancellation, policy non-renewal, extreme rates for teen drivers or even high prices. It doesn’t matter what your reason, finding the right car insurance provider is pretty easy and you might even save some money in the process.

For more information, feel free to browse the resources below:

• Learn About Car Insurance (Geico)
• What is Gap Insurance? (Insurance Information Insitute)
• Property Damage Coverage (Liberty Mutual)
• All About Airbag Safety (State Farm)
• What to do at the Scene of an Accident (Insurance Information Insitute)
• Alcohol Impaired Driving FAQ (iihs.org)