1996 Cadillac DeVille Car Insurance Rates – 8 Policy Discounts

Looking for cheaper car insurance rates for your Cadillac DeVille? No normal person gets a kick out of paying for car insurance, especially when they could lower their rates if they shopped around.

Companies like State Farm, Geico and Farmers Insurance continually bombard you with ads and it is difficult to sift through the bull and take the time to shop coverage around.

If you are paying for car insurance now, you stand a good chance to be able to save some money using this information. Choosing the best insurance company for you is quite easy. But consumers do need to know the way companies determine prices and apply this information to your search.

Cheap car insurance

When shopping for car insurance there are multiple ways to compare quotes from many available car insurance companies in your state. By far the easiest way to find the cheapest 1996 Cadillac DeVille insurance rates involves getting comparison quotes online. This can be done by using one of the methods below.

The most efficient way consumers can make multiple comparisons is a comparison rater form like this one (opens in new window). This type of form prevents you from having to do repetitive form submissions for every prospective company. Just one form will get you price quotes from multiple companies.

A less efficient way to compare rate quotes is to manually visit each company’s website to complete a price quote. For instance, we’ll assume you want rates from Geico, State Farm and Travelers. To get each rate you have to spend time on each company’s site and repeatedly type in your coverage information, and that’s why the first method is more popular. For a list of companies in your area, click here.

Even if you have time, the least recommended method to find and compare rates is to drive around to insurance agents’ offices. Quoting and buying insurance online has made agencies unnecessary unless you prefer the peace of mind only provided by licensed agents. It is possible with some companies get the lowest quotes online and have a local agent actually service the policy.

Whichever method you choose, make absolute certain that you use the same coverages and limits on every price quote you get. If you compare different coverage information it will be very difficult to determine the lowest rate for your Cadillac DeVille. Even a minor difference in insurance coverages or limits may result in large price differences. Keep in mind that more quotes will improve the odds of getting the best price.

Do insurance coverage companies bend the truth?

Popular insurance coverage providers such as Allstate and Progressive endlessly run television and radio advertisements. All the ads convey the message that people will save just by switching your policy. That’s great but how can every company cost less than your current company? This is the trick they use.

Insurance providers quote the lowest rates for the type of customer that makes them money. An example of a preferred risk could possibly be between 25 and 40, has a clear driving record, and drives less than 7,500 miles a year. Any person who fits that profile gets the lowest car insurance rates and is almost guaranteed to save if they switch.

Insureds who do not fit the ideal profile must pay a more expensive rate and this results in the customer not buying. If you listen closely, the ads state “drivers who switch” not “everyone that quotes” can save as much as they claim. That is how companies can truthfully advertise the way they do.

This emphasizes why you really should compare many company’s car insurance rates. Because you cannot predict the company that will have the best rates at this point in time.

Take advantage of every insurance coverage discount

Auto insurance companies don’t always advertise every discount very clearly, so the next list breaks down both the well known as well as the least known ways to save on insurance coverage. If you don’t get every credit possible, you are just wasting money.

  • Pay Now and Pay Less – If you pay your entire premium ahead of time rather than spreading payments over time you may have a lower total premium amount.
  • Own a Home and Save – Owning a home may earn you a small savings because of the fact that having a home requires a higher level of personal finance.
  • Buy New and Save – Insuring a vehicle that is new can get you a discount since new vehicles are generally safer.
  • Club Memberships – Being in certain professional organizations could trigger savings when getting a car insurance quote.
  • Telematics Discount – People who choose to allow their insurance company to look at driving habits remotely such as Allstate’s Drivewise and State Farm’s In-Drive system may get a rate reduction if they are good drivers.
  • E-sign Discounts – A handful of insurance companies give back up to $50 shop car insurance on the internet.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in high school.
  • Low Mileage Discounts – Maintaining low annual mileage could earn slightly better premium rates than normal.

A little note about advertised discounts, most discounts do not apply to your bottom line cost. Most cut individual premiums such as liability and collision coverage. So even though it sounds like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

Larger insurance coverage companies and a selection of discounts are outlined below.

  • Farmers Insurance offers discounts including pay in full, business and professional, teen driver, multi-car, and homeowner.
  • Esurance has discounts for anti-theft, anti-lock brakes, renters, homeowner, and multi-policy.
  • State Farm may include discounts for student away at school, multiple policy, anti-theft, driver’s education, and Drive Safe & Save.
  • Geico may have discounts that include air bags, emergency military deployment, anti-theft, daytime running lights, driver training, membership and employees, and multi-policy.
  • Allstate offers premium reductions for anti-theft, defensive driver, eSmart discount, auto/life discount, premier plus, and anti-lock brakes.

It’s a good idea to ask every company the best way to save money. Depending on the company, some discounts may not apply in your area. For a list of insurers with the best discounts, follow this link.

How to know if you need help

When it comes to buying the best car insurance coverage for your vehicles, there is no best way to insure your cars. Everyone’s needs are different and your policy should reflect that. These are some specific questions may help highlight if you would benefit from professional advice.

  • Who is covered when they drive my 1996 Cadillac DeVille?
  • Do I have any recourse if my insurance company denies a claim?
  • Do I have coverage when making deliveries for my home business?
  • Does my 1996 Cadillac DeVille qualify for pleasure use?
  • What is an SR-22 filing?
  • Can I rate high risk drivers on liability-only vehicles?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Insurance policy specifics

Understanding the coverages of insurance helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. These are the usual coverages available from insurance companies.

Liability coverage – Liability coverage will cover injuries or damage you cause to other’s property or people. This coverage protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as medical services, repair costs for stationary objects and court costs. How much liability coverage do you need? That is your choice, but buy as large an amount as possible.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 1996 Cadillac DeVille.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Normally these limits do not exceed the liability coverage limits.

Coverage for medical payments – Med pay and PIP coverage pay for expenses for prosthetic devices, ambulance fees, surgery, hospital visits and funeral costs. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Collision – Collision insurance pays for damage to your DeVille from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as crashing into a ditch, crashing into a building, damaging your car on a curb and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Comprehensive coverages – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as vandalism, hail damage, damage from getting keyed, damage from flooding and fire damage. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Feed the piggy bank

While you’re price shopping online, make sure you don’t buy less coverage just to save a little money. In many instances, someone sacrificed physical damage coverage and discovered at claim time that it was a big mistake. Your aim should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.

Budget-friendly car insurance can be bought online and from local agencies, and you need to comparison shop both in order to have the best price selection to choose from. Some car insurance companies may not offer the ability to get a quote online and many times these regional insurance providers prefer to sell through independent agents.

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