How Much Does 1997 Cadillac Catera Insurance Cost?

Purchasing more affordable insurance over the internet may seem to be impossible for vehicle owners not familiar with buying insurance over the internet. With such a big selection of agents and insurance companies available, how can drivers even start to compare the different rates to find the lowest price available?

Consumers need to take a look at other company’s rates before your policy renews because insurance prices change quite often. Despite the fact that you may have had the lowest rates on Catera coverage two years ago the chances are good that you can find a lower premium rate today. Ignore everything you know about insurance because we’re going to show you the best way to reduce your cost while increasing coverage.

How to buy car insurance

When comparison shopping, there are several ways of comparing rate quotes from companies that offer car insurance in your state. The best method to find competitive 1997 Cadillac Catera insurance rates is simply to get online rate quotes. It is quite easy and can be accomplished in a couple of different ways.

  1. The easiest and least time consuming way consumers can analyze rates is to use a rate comparison form click here to open form in new window. This form eliminates the need for separate quote forms for each company. A single, simple form gets insurance cost estimates from car insurance companies with the best prices. It’s the fastest way to compare.
  2. Another way to find lower rates consists of visiting each individual company website and complete a new quote form. For example, we’ll assume you need rates from State Farm, Progressive and Farmers. You would need to visit each site and repeatedly enter your information, which can get old fast. For a list of links to insurance companies in your area, click here.

You can choose any of those ways to find more affodable coverage, but make absolute certain that you use nearly identical quote data for each price quote. If the quotes have mixed coverages you will not be able to determine which company has the best rates. Slightly different coverages could mean much higher rates. Just remember that comparing more rates from different companies will increase your chances of finding better pricing. Some insurance companies are not set up to provide online quotes, so it’s recommended that you also compare quotes from the smaller companies as well.

Auto insurance can be complex

When it comes to buying proper insurance coverage, there really is no “perfect” insurance plan. Every insured’s situation is different.

Here are some questions about coverages that might point out whether you might need professional guidance.

  • Does my personal policy cover me when driving out-of-state?
  • Is my nanny covered when driving my vehicle?
  • When should my teen driver be added to my policy?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Why do I need rental car insurance?
  • Is my state a no-fault state?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form.

Car insurance coverage specifics

Learning about specific coverages of car insurance aids in choosing appropriate coverage and proper limits and deductibles. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Auto liability insurance

Liability coverage provides protection from damage or injury you incur to a person or their property by causing an accident. It protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Some companies may use a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things such as medical expenses, repair costs for stationary objects, attorney fees, structural damage and emergency aid. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Collision protection

This pays for damage to your Catera from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as damaging your car on a curb, backing into a parked car, rolling your car and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like rock chips in glass, damage from getting keyed and hitting a deer. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Cadillac Catera.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time the UM/UIM limits are set the same as your liablity limits.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for expenses for things like EMT expenses, nursing services, pain medications, surgery and ambulance fees. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage