1994 Cadillac Seville Car Insurance Quotes

Searching for cheaper auto insurance rates for your Cadillac Seville? I doubt anyone rejoices having to buy auto insurance, especially knowing their premiums are too high.

Since you have so many options, it can be impossible to pick the right company.

Free car insurance rate quotes

There are multiple methods to shop for car insurance, and some are less time-consuming than others. You could spend the better part of a day talking about coverages with insurance companies in your area, or you can stay home and use the web to get rates in a matter of minutes.

Most of the best insurance companies participate in a marketplace where prospective buyers send in one quote, and each participating company returns a rated price for coverage. This saves time by eliminating quotation requests for each company you want a rate for.

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

The one disadvantage to using this type of form is you can’t choose the companies to get quotes from. If you wish to select individual companies for rate comparison, we put together a list of low cost car insurance companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just double check that you are using the same coverage data for every quote you compare. If your comparisons have different deductibles it will be next to impossible to determine the lowest rate for your Cadillac Seville. Even a minor difference in coverages may cause a big price difference. And when price shopping your coverage, comparing more quotes provides better odds of finding the best rates.

Your situation helps dictate your coverage

When buying coverage for your personal vehicles, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions can aid in determining if you will benefit from professional help.

  • Is my state a no-fault state?
  • Do I need rental car coverage?
  • Should I have combined single limit or split liability limits?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Should I bundle my homeowners policy with my auto?
  • Do I benefit by insuring my home with the same company?
  • What vehicles should carry emergency assistance coverage?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

Specific coverages for a 1994 Cadillac Seville

Understanding the coverages of your insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages found on the average insurance policy.

Collision – Collision coverage pays for damage to your Seville resulting from a collision 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 insurance covers things like backing into a parked car, damaging your car on a curb, driving through your garage door and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive coverage (or Other than Collision) – This 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 coverage pays for things like rock chips in glass, hitting a bird, damage from flooding, vandalism and damage from getting keyed. The maximum 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 it’s not worth carrying full coverage.

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

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against things like repair costs for stationary objects, bail bonds and structural damage. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Insurance for medical payments – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for nursing services, dental work, surgery, chiropractic care and pain medications. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage