Cheaper 2002 Cadillac Seville Car Insurance Rates

Want cheaper insurance rates for your Cadillac Seville? No one in their right mind gets a kick out of paying for insurance, especially when they are aware that it costs too dang much.

Big companies like Progressive, Geico and Farmers Insurance constantly blast consumers with fancy advertisements and it can be hard to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

Save money with these tips

Multiple criteria are used when you quote your car insurance policy. Most are fairly basic like a motor vehicle report, although some other factors are more transparent such as whether you are married or your commute time.

The items below are some of the factors used by insurance companies to determine your rates.

• Save money by eliminating incidental coverages – There are quite a few optional add-on coverages that can add up on your insurance coverage policy. Things like roadside assistance, better glass coverage, and additional equipment coverage may not be needed and are just wasting money. You may think they are a good idea when discussing your needs, but if they’re wasting money remove them from your policy.
• Frequent insurance claims increase rates – If you file a lot of claims you can look forward to higher rates. Auto insurance companies provide discounts to drivers who file claims infrequently. Your insurance policy is designed for the large, substantial claims.
• Driving citations inflate premiums – Your driving record has a lot to do with how much you pay for insurance. Attentive drivers pay lower auto insurance prices as compared to careless drivers. Even one ticket could increase your next policy renewal substantially. Drivers unfortunate enough to have serious violations like DUI or reckless driving may find that they have to to file a SR-22 with their state’s department of motor vehicles in order to keep their license.
• Battle of the sexes – Statistics have proven females are less aggressive when driving. The data does not necessarily mean that men are WORSE drivers than women. Men and women cause at-fault accidents in similar numbers, but men tend to have more serious accidents. They also receive more costly citations like reckless driving and DUI.

Affordable insurance quotes with discounts

Some insurers do not advertise all disounts in an easy-to-find place, so the list below details a few of the more common and also the more inconspicuous discounts that may be available.

• No Claim Discounts – Drivers with accident-free driving histories can save substantially when compared with drivers who are more careless.
• Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to use their safety belts can save up to 15% off PIP or medical payments premium.
• Active Military Service – Being deployed in the military could be rewarded with lower rates.
• College Student – Any of your kids who attend college more than 100 miles from home and do not have a car may qualify for this discount.
• Student Discounts – Excelling in school could provide a savings of up to 20% or more. The good student discount can last until age 25.

Please keep in mind that most discount credits are not given the the whole policy. Some only apply to the cost of specific coverages such as comprehensive or collision. Despite the fact that it seems like it’s possible to get free car insurance, that’s just not realistic.

To choose providers with significant discounts, click this link.

Tailor your insurance coverage coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions can aid in determining whether your personal situation will benefit from professional help.

• Why am I required to get a high-risk car insurance policy?
• How do I buy GAP insurance?
• Does having multiple vehicles earn me a discount?
• Do I need higher collision deductibles?
• I have health insurance so do I need medical payments coverage?
• Is motorclub coverage worth it?
• What discounts do I qualify for?
• Is my teenager covered with friends in the car?
• When should I not file a claim?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Parts of your auto insurance policy

Understanding the coverages of a auto insurance policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverages available from auto insurance companies.

Auto collision coverage

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as backing into a parked car, colliding with a tree, driving through your garage door, rolling your car and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Liability

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

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims such as emergency aid, structural damage and loss of income. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Comprehensive or Other Than Collision

This covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as hitting a bird, rock chips in glass, damage from a tornado or hurricane and falling objects. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for short-term medical expenses like nursing services, doctor visits, X-ray expenses, surgery and EMT expenses. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

This provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your Cadillac Seville.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

The best insurance company isn’t always the cheapest

You just read a lot of techniques to shop for 2002 Cadillac Seville insurance online. It’s most important to understand that the more companies you get rates for, the better chance you’ll have of finding the cheapest auto insurance. Drivers may discover the best price on car insurance is with the least-expected company. They often have lower rates on specific markets as compared to the big name companies such as Progressive and Geico.

As you go through the steps to switch your coverage, it’s a bad idea to buy poor coverage just to save money. There are a lot of situations where someone dropped liability coverage limits and found out when filing a claim that the savings was not a smart move. Your focus should be to find the BEST coverage at the best cost while not skimping on critical coverages.

Some companies may not have online rate quotes and usually these small, regional companies provide coverage only through independent insurance agencies. The cheapest 2002 Cadillac Seville insurance is available both online as well as from independent agents, so you should be comparing quotes from both to have the best selection.

Much more information about car insurance can be read below:

• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Understanding Car Crashes Video (iihs.org)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Safety Belts FAQ (iihs.org)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Auto Insurance Learning Center (State Farm)