Lower Your 2001 Cadillac Seville Insurance Cost

Are you sick and tired of robbing Peter to pay Paul to keep your car insured? You are in the same boat as millions of other drivers.

Big-name insurance companies like Geico, 21st Century and Progressive increase brand awareness with ads and it is difficult to separate fact from fiction and find the best price available.

How to compare car insurance quotes

There are a variety of methods to compare car insurance quotes, but some are less time-consuming than others. You can spend your afternoon talking about coverages with agents in your area, or you can stay home and use the internet to achieve your goal.

Many of the larger companies are enrolled in a marketplace where prospective buyers enter their policy data once, and every company can give them a price based on that data. This system prevents you from having to do quote requests for each company.

To find out how much you’re overpaying now click here (opens in new window).

One minor caviat to doing it this way is that you can’t choose which carriers you want pricing from. If you would rather choose specific insurance companies to request quotes from, we put together a list of the cheapest car insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but double check that you are using exactly the same coverages on every price quote you get. If you compare different liability limits you will not be able to determine the lowest rate for your Cadillac Seville. Quoting even small variations in insurance coverages may cause a big price difference. Keep in mind that getting more free quotes helps improve the odds of finding the best offered rates.

Get cheap insurance rates with discounts

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that can dramatically reduce your bill. Many discounts should be triggered at the time you complete a quote, but less common discounts must be asked about prior to getting the savings.

  • Distant College Student Discount – Kids who are attending college and do not have a car can receive lower rates.
  • Multi-policy Discount – If you can bundle your auto and homeowners insurance and insure them with the same company you will save at least 10 to 15 percent or more.
  • ABS and Traction Control Discounts – Cars and trucks with ABS braking systems or traction control are safer to drive and earn discounts up to 10%.
  • Discount for Life Insurance – If the company offers life insurance, you could get a small discount if you purchase some life insurance too.
  • No Charge for an Accident – This isn’t a discount exactly, but some companies like Geico, State Farm, and Progressive will forgive one accident before they charge you more for coverage so long as you haven’t had any claims before the accident.
  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts may qualify for discounts of 20 to 30 percent.
  • E-sign Discounts
  • Pay Upfront and Save – If you pay your entire premium ahead of time as opposed to paying monthly you can actually save on your bill.
  • Renewal Discounts – Select insurance companies give a discount for switching policies prior to the expiration date on your current policy. You could save around 10% when you buy auto insurance online.
  • Accident-Free Discounts – Claim-free drivers get the best insurance rates in comparison to accident-prone drivers.

You should keep in mind that many deductions do not apply the the whole policy. Some only reduce the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears you would end up receiving a 100% discount, you’re out of luck.

To see insurers with significant discounts, click here.

Eight factors that affect insurance prices

An important part of buying insurance is that you know some of the elements that aid in calculating the level of your policy premiums. If you know what positively or negatively impacts your premiums, this enables you to make decisions that can help you get lower premium levels.

The itemized list below are some of the things used by your company to calculate your prices.

  • Alarms and GPS tracking lower prices – Driving a car that has a built-in theft deterrent system can save you a little every year. Systems that thwart theives like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping car theft.
  • Where you live factors in – Choosing to live in small towns and rural areas can save you money if you are looking for the lowest rates. Less people living in that area corresponds to lower accident rates and lower theft and vandalism rates. Drivers in populated areas have to deal with more auto accidents and more time behind the wheel. More time behind the wheel translates into higher accident risk.
  • Older drivers save more – Beginning drivers are statistically shown to be careless and easily distracted when driving with friends and because of this, their insurance rates are much higher. If you’ve ever had to add a beginning driver to your policy can be very expensive. Mature drivers are more cautious drivers, cause fewer claims and accidents .
  • Your spouse saves you money – Being married actually saves money on your insurance policy. Having a spouse demonstrates that you tend to be more stable financially it has been statistically shown that married drivers tend to file fewer claims.
  • Tickets and citations cost more than a fine – How you drive has a big impact on rates. Attentive drivers have lower premiums as compared to careless drivers. Only having one moving violation may cause rates to rise substantially. Drivers who have multiple citations such as DUI, reckless driving or excessive speeding may find they need to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to continue driving.
  • Cheaper rates by bundling – Most insurers will give discounts to insureds who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, it’s in your best interest to check prices from other companies to confirm you are receiving the best rates possible. Drivers may still save even more by buying from different companies
  • Liability risk factors in – The liability coverage on your policy kicks in if ever you are found to be at fault for personal injury or accident damage. Your policy’s liability insurance provides legal defense coverage to defend your case. Liability insurance is pretty cheap compared to comp and collision, so drivers should buy more than the minimum limits required by law.
  • What are your comp and collision deductibles? – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, helps pay for damage to your vehicle. Examples of some claims that would be covered would be collision with another vehicle, collision with an animal, and burglary. Deductibles for physical damage state the amount of money the insured will be required to pay in the event of a claim. The more damage repair cost the insured is willing to pay, the less your company will charge you for insurance for Seville coverage.

Tailor your insurance coverage coverage to you

When choosing the right insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions can help discover if your situation would benefit from professional advice.

  • What is roadside assistance coverage?
  • Do I need added coverage for expensive stereo equipment?
  • Are my friends covered when driving my car?
  • Can I rent a car in Mexico?
  • Does insurance cover damages from a DUI accident?
  • Does my medical payments coverage pay my health insurance deductible?
  • What is medical payments coverage?
  • How can I get my company to pay me more for my totalled car?
  • Do I need motorclub coverage?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Auto insurance coverages

Knowing the specifics of a insurance policy aids in choosing the right coverages for your vehicles. Insurance terms can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverages available from insurance companies.

Medical expense coverage – Medical payments and Personal Injury Protection insurance provide coverage for bills for rehabilitation expenses, hospital visits, nursing services, surgery and ambulance fees. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive protection – This covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from getting keyed, fire damage, falling objects and rock chips in glass. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your 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.

Collision coverage – Collision insurance pays for damage to your Seville from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like colliding with a tree, crashing into a ditch, sustaining damage from a pot hole and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Liability auto insurance – This coverage will cover damages or injuries you inflict on other people or property by causing an accident. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims such as loss of income, structural damage and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Don’t be a big spender

In this article, we presented some good ideas how to compare 2001 Cadillac Seville insurance prices online. It’s most important to understand that the more you quote auto insurance, the better chance you’ll have of finding cheap auto insurance. Consumers may even find the most savings is with some of the lesser-known companies. Regional companies may have significantly lower rates on certain market segments compared to the large companies like Progressive or Geico.

Discount 2001 Cadillac Seville insurance can be bought on the web in addition to local insurance agencies, and you should compare rates from both in order to have the best price selection to choose from. Some insurance coverage companies do not provide online rate quotes and most of the time these small, regional companies prefer to sell through independent agencies.

As you prepare to switch companies, don’t be tempted to sacrifice coverage to reduce premiums. There have been many situations where someone sacrificed comprehensive coverage or liability limits only to discover later that it was a big error on their part. Your goal should be to buy enough coverage for the lowest cost, but don’t skip important coverages to save money.

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Comments About 2001 Cadillac Seville Insurance

  1. Ramonita Nunez

    From a town just southwest of New Orleans, Louisiana. Got car insurance rates from GEICO, Encompass, and Hartford for my Seville and cut my rates about $110 a year. Moved home policy as well. I quoted rates online then called them. I don’t insure for physical damage though.

  2. Tonja Odonnell

    I drive uninsured.

  3. Beverlee Pierce

    Good detail in your article. Found cheapest coverage with Hanover for my Seville and saved about $80 a year. My Cadillac doesn’t have full coverage.

  4. Victor Harmon

    Cheapest quote for my 2001 Cadillac Seville was with Encompass. Was with Liberty Mutual. When should I drop full coverage?

  5. Loralee Morales

    Cheap is not always the best policy. Proud to be from Louisville, KY. Quoted rates from Travelers, AAA, GMAC, and Safeco for my Seville and I think I am saving around $20 each month. Switched homeowners coverage too.

  6. Darla Kim

    I can’t pay high rates. I’m in Dallas, Texas. Checked online prices for a 2001 Cadillac Seville. Ended up at about $110 savings annually. Went with State Farm. A clean driving record helps. They offer free online rate quotes.

  7. Leonia Acevedo

    I compared a lot of rate quotes for a 2001 Cadillac Seville in Honolulu, HI. Ended up at darn near $70 every six months with AAA. Was with Progressive. I have several vehicles insured with them.