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.
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.
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.
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.
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.
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.
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
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.
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.
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.
Tonja Odonnell
I drive uninsured.
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.
Victor Harmon
Cheapest quote for my 2001 Cadillac Seville was with Encompass. Was with Liberty Mutual. When should I drop full coverage?
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.
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.
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.