1992 Cadillac Seville Car Insurance Cost – 9 Tricks for Cheapest Prices

Want the cheapest insurance coverage rates for your Cadillac Seville? Sick and tired of scraping nickels together to insure your Cadillac every month? Your situation is no different than many other drivers. You have so many insurance companies to buy insurance from, and although it’s a good thing to have a selection, more options can take longer to find the best rates for your vehicles.

How to buy auto insurance

There are a variety of methods to compare auto insurance quotes, but some are less labor-intensive and much quicker. You can waste a few hours (or days) discussing policy coverages with insurance agencies in your area, or you could save time and use the internet for quick rates.

Most car insurance companies are enrolled in a marketplace where prospective buyers submit their information once, and every company then gives them pricing based on the submitted data. This eliminates the need for quote requests to every company.

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

The one disadvantage to comparing rates this way is you don’t know exactly which carriers you will receive quotes from. If you prefer to choose individual companies to request quotes from, we have a listing of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but be certain you are entering equivalent coverage information for each comparison quote. If each company quotes different values for each quote it will be very difficult to determine the lowest rate for your Cadillac Seville.

There’s no such thing as the perfect auto insurance policy

When buying coverage, there really is not a single plan that fits everyone. Everyone’s situation is a little different so this has to be addressed. For instance, these questions can aid in determining if you may require specific advice.

• Am I covered if I crash into my own garage door?
• Do I pay less for low miles?
• Am I covered if I hit a deer?
• What should my uninsured motorist coverage limits be in my state?
• Are rock chip repairs covered?
• Is a fancy paint job covered?
• When should I not file a claim?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Car insurance 101

Learning about specific coverages of a car insurance policy helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on most car insurance policies.

Auto collision coverage

Collision coverage will pay to fix damage to your Seville from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as rolling your car, sustaining damage from a pot hole and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Liability

Liability insurance will cover damage that occurs to other’s property or people by causing an accident. It protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage pays for things such as medical services, attorney fees, repair bills for other people’s vehicles and pain and suffering. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and also any damage incurred to your Cadillac Seville.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for bills such as chiropractic care, pain medications, funeral costs, rehabilitation expenses and dental work. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like vandalism, theft, a broken windshield, damage from a tornado or hurricane and hitting a bird. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.