How Much Does 1997 Cadillac Seville Car Insurance Cost?

Searching for the cheapest auto insurance rates for your Cadillac Seville? Tired of wondering where the money will come from to insure your Cadillac every month? You’re in the same situation as millions of other vehicle owners. Lots of car insurance companies contend for your insurance dollar, so it can be very hard to choose a company and get the definite best rates possible.

Compare quotes for car insurance

Most companies such as State Farm, Geico and Progressive give insurance quotes from their websites. Getting quotes is quite easy because you just enter the coverages you want as requested by the quote form. Behind the scenes, the system automatically orders your credit score and driving record and generates pricing information based on the information you submitted. Online price estimates makes it a lot easier to compare rates but the work required to visit many different websites and complete many quote forms is a big time waster. But it’s also necessary to do this if you want to get a better rate.

A more efficient way to find lower prices uses just one form to obtain quotes from a bunch of companies at once. The form is fast, requires less work, and makes online price comparison a little more enjoyable. After sending the form, it gets priced with multiple companies and you can pick your choice of the returned quotes.

If you find a better price you can click and sign and purchase coverage. The whole process takes less than 15 minutes and could lower your rates considerably.

To get comparison pricing now, click here and enter your vehicle and coverage information. To compare your current rates, we recommend you input the limits and deductibles just like they are on your policy. This makes sure you will be getting a rate comparison based on identical coverages.

Double check you’re getting these discounts

Car insurance companies do not advertise all disounts in an easy-to-find place, so the list below contains a few of the more common and the more hidden ways to save on insurance.

• Military Rewards – Being deployed with a military unit could be rewarded with lower insurance rates.
• Multi-car Discount – Insuring several vehicles with the same company can get a discount for every vehicle.
• Discount for Multiple Policies – When you combine your home and auto insurance and place coverage with the same company you will save at least 10 to 15 percent or more.
• First Accident Forgiveness – Not a discount per se, but certain companies may permit one accident before raising your premiums as long as you don’t have any claims before the accident.
• Distant Student Discount – who attend college more than 100 miles from home and do not take a car to college may qualify for this discount.
• Early Payment Discounts – By paying your policy upfront rather than paying in monthly installments you could save up to 5%.
• Driver Safety – Successfully completing a driver safety course can save you 5% or more if you qualify.

As a footnote on discounts, some of the credits will not apply to the entire cost. Most only reduce specific coverage prices like medical payments or collision. So even though it sounds like all those discounts means the company will pay you, it’s just not the way it works.

To see insurers with the best discounts, click here to view.

What determines Cadillac Seville insurance prices?

One of the most helpful ways to save on insurance is to to have a grasp of some of the elements that are used to determine the price you pay for insurance. If you have a feel for what determines base rates, this enables you to make decisions that may reward you with lower rates. Many factors are used in the calculation when you get a price on insurance. Some are pretty understandable like your driving record, but others are more obscure like where you live or your financial responsibility.

• GPS tracking and theft deterrents reduce insurance rates – Selecting a car model with a theft deterrent system can get you a discount on your insurance. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent vehicle theft.
• Males pay higher prices – Over the last 50 years, statistics have shown that females take fewer risks when driving. However, don’t assume that men are WORSE drivers than women. Males and females tend to get into auto accidents in similar percentages, but men tend to have more serious accidents. They also get cited for more serious violations such as reckless driving. Young men ages 16 to 20 tend to get in the most accidents and are penalized with high insurance rates.
• How’s your driving record? – Whether or not you get tickets has a huge affect on how much you pay. Careful drivers tend to pay less for car insurance compared to bad drivers. Just one ticket can boost insurance rates by as much as thirty percent. Drivers who have received serious tickets such as DUI or reckless driving may face state-mandated requirements to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to drive a vehicle legally.
• A lpolicy lapse is a bad thing – Driving with no insurance is a misdemeanor and you may have a hard time finding new coverage because you let your insurance expire. And not only will your rates increase, failure to provide proof of insurance might get you a hefty fine and possibly a revoked license.
• Low credit history equals high prices – Having a bad credit history is a big factor in determining what you pay. Therefore, if your credit rating is low, you could save money insuring your 1997 Cadillac Seville by improving your credit score. Insureds with excellent credit scores tend to be less risk to insure than drivers who have poor credit.
• Consider raising deductibles – Your deductibles represent how much money you are required to spend if you file a covered claim. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Examples of some claims that would be covered are a windshield broken by a bird, damage caused by hail, and damage caused by road hazards. The more you are required to pay out-of-pocket, the better rate you will receive on Seville insurance.

Special considerations

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Every insured’s situation is different so your insurance needs to address that. For example, these questions might point out if your insurance needs will benefit from professional help.

• Why am I required to buy high-risk coverage?
• Does my insurance cover a custom paint job?
• Can I afford to pay high deductible claims out of pocket?
• Should I bundle my homeowners policy with my auto?
• When should I remove comp and collision on my 1997 Cadillac Seville?
• How does medical payments coverage work?
• How high should deductibles be on a 1997 Cadillac Seville?
• Do I have coverage if my license is suspended?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Insurance coverages and their meanings

Learning about specific coverages of your insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Insurance terms can be ambiguous and coverage can change by endorsement. Listed below are the normal coverages found on most insurance policies.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hitting a deer, hail damage, rock chips in glass, a broken windshield and damage from a tornado or hurricane. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like surgery, hospital visits and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Collision insurance

This coverage pays for damage to your Seville resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as damaging your car on a curb, colliding with a tree, hitting a parking meter and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Cadillac Seville.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these coverages are similar to your liability insurance amounts.

Liability coverage

Liability insurance provides protection from damage or injury you incur to people or other property. It protects YOU against claims from other people, and 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. As an example, you may have values of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for things like repair bills for other people’s vehicles, medical services and funeral expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Keep this in mind

You just read some good ideas how you can get a better price on 1997 Cadillac Seville insurance. The most important thing to understand is the more times you quote, the better your chances of lowering your premium rates. You may even find the most savings is with some of the lesser-known companies. Some small companies can often provide lower premium rates in certain areas as compared to the big name companies such as State Farm and Allstate.

Cost effective 1997 Cadillac Seville insurance can be bought both online as well as from independent agents, so you should compare both to have the best selection. A few companies may not provide internet price quotes and many times these smaller companies only sell coverage through independent agents.

More detailed insurance information can be found in these articles:

• Electronic Stability Control FAQ (iihs.org)
• Neck Injury FAQ (iihs.org)
• Coverage Information (Progressive Insurance)
• Driving in Bad Weather (Insurance Information Insitute)