2002 Cadillac DeVille Car Insurance Quotes

Searching for the cheapest car insurance rates for your Cadillac DeVille? Are you drained from trying to scrape together enough money to buy car insurance? You are in the same boat as many other people.

Many insurance companies compete for your business, so it can be very hard to choose a company to discover the definitive lowest rate possible.

It is always a good idea to get comparison quotes periodically because car insurance prices change regularly. Just because you found the best price for DeVille coverage a year ago a different company probably has better rates today. Forget all the misinformation about car insurance because you’re about to learn the right way to save on car insurance.

Double check you’re getting these money-saving discounts

Auto insurance is not an enjoyable expense, but there could be available discounts that many consumers don’t even know exist. Some discounts apply automatically when you purchase, but some need to be specially asked for before being credited.

• Claim Free – Drivers who stay claim-free can earn big discounts as compared to bad drivers.
• Organization Discounts – Belonging to qualifying employment or professional organizations is a simple method to lower premiums when getting a insurance quote.
• Drive Less and Save – Low mileage vehicles may enable drivers to earn discounted rates on garaged vehicles.
• Discounts for Government Workers – Having worked for a branch of the government can save as much as 8% for DeVille coverage with a few auto insurance companies.
• Multi-Vehicle Discounts – Drivers who insure several vehicles with the same company qualifies for this discount.
• Braking Control Discount – Cars with anti-lock braking systems are safer to drive and earn discounts up to 10%.
• Discount for Passive Restraints – Factory options such as air bags and/or automatic seat belt systems may qualify for discounts of 25 to 30%.
• Onboard Data Collection – Drivers that enable data collection to analyze vehicle usage remotely like Allstate’s Drivewise may get a rate reduction if they exhibit good driving behavior.

Discounts lower rates, but most discounts do not apply to all coverage premiums. Most cut the cost of specific coverages such as physical damage coverage or medical payments. Even though it appears you would end up receiving a 100% discount, auto insurance companies aren’t that generous.

Large auto insurance companies and their offered discounts can be found below.

• 21st Century may have discounts that include defensive driver, good student, theft prevention, student driver, automatic seat belts, and 55 and older.
• State Farm policyholders can earn discounts including multiple policy, Steer Clear safe driver discount, driver’s education, student away at school, and multiple autos.
• AAA discounts include education and occupation, good student, good driver, multi-policy, pay-in-full, and AAA membership discount.
• Liberty Mutual includes discounts for safety features, teen driver discount, preferred payment discount, hybrid vehicle, new vehicle discount, and multi-car.
• Progressive offers discounts including continuous coverage, homeowner, multi-policy, online signing, multi-vehicle, and good student.

If you are trying to find the cheapest insurance quotes, ask all the companies which credits you are entitled to. Savings may not apply to policies in your state. For a list of insurers that offer the discounts shown above, click this link.

How to compare free insurance coverage quotes

When shopping for cheaper insurance quotes, there are a couple of ways of comparing price quotes from many available insurance coverage companies in your state. The easiest way to compare rates is to perform an online rate comparison. This is quite simple and can be completed in several different ways.

1. The fastest way consumers can make multiple comparisons is an all-inclusive rate comparison click here to open form in new window. This style of form eliminates the need for separate quote forms for every prospective company. Filling out one form gets prices estimates from multiple low-cost companies.
2. A harder way to analyze rates consists of visiting each company website and request a quote. For examples sake, let’s say you need rates from USAA, Safeco and Farmers. In order to compare rates, you need to spend time going to each site individually to enter the same coverage data repeatedly, which can take a lot of time.

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

Take whichever approach you prefer, but ensure you are comparing apples-to-apples coverage data on every quote. If the quotes have different limits and deductibles on each one you will not be able to determine the best price for your Cadillac DeVille. Even a minor difference in insurance coverages or limits can make a big difference in price. Just keep in mind that more quotes will increase your chances of finding the best rates. Not every company provides prices over the internet, so it’s important to compare price quotes from them as well.

Do I need special coverages?

When buying coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different so your insurance should reflect that These are some specific questions might help in determining whether you could use an agent’s help.

• At what point should I drop full coverage?
• Can I afford to pay high deductible claims out of pocket?
• Does my liability insurance cover pulling a trailer or camper?
• Is rental equipment covered for theft or damage?
• Will my rates increase for filing one claim?
• Can I afford to buy a different vehicle if my 2002 Cadillac DeVille is totaled?
• Does coverage extend to a rental car in a foreign country?
• Am I covered when driving a rental car?
• Am I covered if hit by an uninsured driver?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Insurance coverage specifics

Having a good grasp of your policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Listed below are typical coverage types available from insurance companies.

Collision insurance

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like driving through your garage door, rolling your car and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Liability coverages

This coverage can cover damages or injuries you inflict on a person or their property in an accident. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage protects against things like attorney fees, court costs and medical expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Medical expense insurance

Med pay and PIP coverage kick in for expenses such as X-ray expenses, hospital visits, ambulance fees and surgery. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like fire damage, damage from flooding and damage from getting keyed. The highest amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Cadillac DeVille.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

A penny earned…

When buying insurance coverage, it’s not a good idea to skimp on critical coverages to save a buck or two. In many cases, someone dropped uninsured motorist or liability limits only to find out that the savings was not a smart move. The proper strategy is to purchase plenty of coverage for the lowest cost, but do not sacrifice coverage to save money.

A few companies do not provide online price quotes and many times these regional carriers sell through independent agencies. Cheaper insurance can be bought on the web as well as from insurance agents, so you need to compare both to have the best rate selection.

Additional insurance information can be found at the links below

• Vehicle Safety Ratings (iihs.org)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• All About Airbag Safety (State Farm)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Drunk Driving Statistics (Insurance Information Insitute)
• Help Your Teen Be a Better Driver (State Farm)