How Much Does 2004 Cadillac Seville Car Insurance Cost?

Want better insurance coverage rates? Drivers have a choice when trying to find the best price on Cadillac Seville insurance. They can either spend hours struggling with agents to get rate comparisons or use the internet to find the lowest rates. There are more efficient ways to compare insurance coverage rates and you need to know the best way to get price quotes for your Cadillac and find the lowest price from both online companies and local agents.

Consumers should take time to shop coverage around before your next renewal because prices go up and down regularly. If you had the lowest rates on Seville insurance a few years ago other companies may now be cheaper. Block out anything you think you know about insurance coverage because you’re about to learn one of the quickest ways to save money, get proper deductibles and limits, all at the lowest rate.

Compare auto insurance quotes

Lowering your 2004 Cadillac Seville auto insurance rates doesn’t have to be difficult. The only thing you need to do is invest a little time getting comparison quotes to find. This can be done by using one of the methods below.

1. Without a doubt, the easiest way to get quotes for comparison is a comparison rater form click here to open form in new window. This quick form eliminates the need for boring form submissions to each individual auto insurance company. A single form gets coverage cost estimates from many national carriers. Recommended for those who want to invest the least amount of time.
2. A harder way to get quotes online is going to each company’s website to complete a price quote. For sake of this example, let’s assume you want to compare rates from Auto-Owners, Liberty Mutual and State Farm. In order to compare rates, you need to go to every website and repeatedly enter your information, which can get rather old.

   To view a list of companies in your area, click here.

3. The least efficient and most time consuming method to compare price estimates is making phone calls or going to all the different insurance agencies. The ability to buy insurance online reduces the need to sit down with an agent unless you require the personal advice that can only be provided by a licensed insurance agent. If you prefer, some companies allow you to comparison shop your insurance online but buy from a local insurance agent.

Take whichever approach you prefer, but make sure you compare identical coverages for every company. If you have different deductibles it’s impossible to truly determine the lowest rate.

Take advantage of every insurance coverage discount

Not too many consumers would say insurance coverage is affordable, but you might already qualify for some discounts that could drop your premiums quite a bit. Certain discounts will be applied at the time of purchase, but a few must be asked about before being credited.

• Full Payment Discount – If paying your policy premium upfront instead of monthly or quarterly installments you may have a lower total premium amount.
• One Accident Forgiven – Not necessarily a discount, but companies like Geico, Progressive, and Allstate will let one accident slide before they charge you more for coverage if you are claim-free before the accident.
• Good Student Discount – Excelling in school can get you a discount of up to 25%. You can use this discount normally up until you turn 25.
• Accident-Free Discounts – Claim-free drivers can save substantially compared to policyholders that have many claims.
• Bundle and Save – If you have multiple policies with one company you could get a discount of 10% to 20% off each policy.
• Fewer Miles Equal More Savings – Keeping the miles down on your Cadillac may enable drivers to earn discounted insurance coveragerates on garaged vehicles.

One last thing about discounts, most discounts do not apply to the entire policy premium. Most only reduce individual premiums such as comp or med pay. So even though they make it sound like you could get a free insurance coverage policy, companies don’t profit that way. But any discount will definitely lower the amount you pay for coverage.

A few of the larger companies and their offered discounts can be read below.

• Progressive has discounts for homeowner, multi-vehicle, multi-policy, continuous coverage, good student, and online quote discount.
• Geico offers premium reductions for anti-theft, daytime running lights, air bags, five-year accident-free, driver training, and good student.
• State Farm includes discounts for defensive driving training, good student, safe vehicle, multiple autos, and accident-free.
• Esurance may include discounts for good student, paid-in-full, multi-car, emergency road assistance, Switch & Save, and homeowner.
• The Hartford has savings for defensive driver, good student, bundle, air bag, driver training, and vehicle fuel type.

When comparing rates, check with each company or agent which discounts they offer. Savings might not be available to policyholders in your state. If you would like to choose from a list of companies who offer free insurance coverage quotes, click this link.

How to know if you need help

When choosing proper insurance coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique.

Here are some questions about coverages that may help highlight if your situation will benefit from professional help.

• Is my 2004 Cadillac Seville covered for flood damage?
• Are my friends covered when driving my car?
• Is my dog or cat covered if injured in an accident?
• How much underlying liability do I need for an umbrella policy?
• I don’t drive much so do I pay less?
• What exactly is covered by my policy?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Insurance premium influencing factors

Lots of things are used in the calculation when pricing auto insurance. Some factors are common sense like your driving record, but other criteria are more obscure like your continuous coverage or how financially stable you are.

• Consolidate and save – Lots of insurers allow lower prices to customers that have more than one policy, otherwise known as a multi-policy discount. The discount can be ten or even fifteen percent. Even if you’re getting this discount you still need to get quotes from other companies to confirm you are receiving the best rates possible.
• Tickets are costly – Attentive drivers tend to pay less for car insurance as compared to careless drivers. Getting just one ticket may increase your cost forty percent or more. Drivers who have received multiple violations such as hit and run, DWI or reckless driving convictions might be required by their state to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to prevent their license from being revoked.
• Save miles and save money – The more you drive in a year’s time the higher your rates will be. The majority of insurers charge rates determined by how the vehicle is used. Cars used primarily for pleasure use get more affordable rates than vehicles that are driven to work every day. An improperly rated Seville may be wasting your money. Double check that your declarations sheet shows how each vehicle is driven.
• Safer occupants lowers premiums – Vehicles with good safety scores are cheaper to insure. Safer cars help reduce the chance of injuries in an accident and fewer injuries means your insurance company pays less and more competitive rates for policyholders.
• Get hitched and get better prices – Being married actually saves money on your policy. Marriage demonstrates that you tend to be more mature and responsible and statistics show married drivers get in fewer accidents.
• Remove unneeded extra coverages – Insurance companies have many extra bells and whistles you can purchase but may not be useful. Coverage for things like replacement cost coverage, towing coverage, and Farm Bureau memberships could be just wasting money. The coverages may be enticing at first, but if you’ve never needed them in the past eliminate them to save money.
• A policy lapse can increase insurance coverage rates – Allowing your insurance coverage policy to lapse is a sure-fire way to pay more for insurance coverage. In addition to paying higher premiums, getting caught without coverage may earn you fines and jail time.
• Cheaper to insure women? – The statistics show that men are more aggressive behind the wheel. It does not mean females are better drivers. Females and males cause fender benders at a similar rate, but the male of the species have accidents that have higher claims. In addition to higher claims, males also get higher numbers of serious violations like driving under the influence (DUI). Male drivers age 16 to 19 generally have the highest accident percentage and thus pay the highest rates.

Specific coverages for a 2004 Cadillac Seville

Understanding the coverages of your insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive coverage

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from flooding, damage from a tornado or hurricane, a tree branch falling on your vehicle and hitting a deer. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

This gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2004 Cadillac Seville.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability

Liability coverage will cover damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

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 policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things such as repair costs for stationary objects, court costs and emergency aid. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

Collision coverage

Collision coverage covers damage to your Seville from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as sideswiping another vehicle, backing into a parked car, rolling your car, crashing into a building and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like chiropractic care, funeral costs and ambulance fees. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

A fool and his money are soon parted

We’ve covered a lot of ways to get a better price on 2004 Cadillac Seville insurance. The most important thing to understand is the more rate quotes you have, the better likelihood of getting affordable auto insurance. Consumers could even find that the biggest savings come from the smaller companies.

When searching for cheaper auto insurance quotes, make sure you don’t skimp on coverage in order to save money. There are too many instances where someone dropped physical damage coverage only to find out they didn’t purchase enough coverage. Your goal is to buy a smart amount of coverage at the best possible price, but do not skimp to save money.

People leave their current company for any number of reasons including policy cancellation, an unsatisfactory settlement offer, denial of a claim and even policy non-renewal. Whatever your reason, switching insurance companies is pretty simple and you could end up saving a buck or two.

Additional articles

• Learn About Car Insurance (Geico)
• Your Car has been Stolen: Now What? (Allstate)
• What Does No-Fault Insurance Cover? (Allstate)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)