1997 Cadillac Seville Insurance Rates – 10 Savings Tips

If you’re new to shopping for insurance coverage quotes online, there’s a good chance you are baffled thanks to all the different types of companies all claiming to have the lowest rates.

Compare quotes for insurance

There are several ways to compare insurance prices and some are less labor-intensive and much quicker. You can waste hours talking to insurance agencies in your area, or you can utilize the web for quick rates.

Most of the larger companies belong to an insurance system that enables customers to submit their information once, and each participating company can give them a price. This prevents consumers from doing quote requests for each company.

To use this form to compare rates click here to open in new window.

The one disadvantage to using this type of form is you don’t know exactly the insurers you want pricing from. So if you prefer to pick specific insurance companies to compare rates, we have a page of companies who write insurance in your area. Click here to view list.

You can use whichever method you prefer to find lower rates, just ensure you’re using identical deductibles and coverage limits for every company. If you enter mixed coverages you will not be able to determine which company has the best rates. Just slight variations in insurance coverages or limits can mean a large discrepancy in price. And when quoting insurance, remember that comparing a large number of companies increases your odds of finding lower pricing.

Do you qualify for these ten discounts?

Auto insurance is not inexpensive, but you may qualify for discounts that you may not even be aware of. Some of these disounts will be visible at quote time, but less common discounts must be specially asked for prior to getting the savings.

• More Vehicles More Savings – Buying a policy with all your vehicles on one policy qualifies for this discount.
• Save over 55 – Drivers over the age of 55 may be able to get lower premium rates for Seville coverage.
• Claim Free – Drivers who stay claim-free pay less as opposed to frequent claim filers.
• Distant College Student Discount – Children living away from home attending college and do not take a car to college may qualify for this discount.
• Switch and Save Discount – Some larger companies reward drivers for signing up before your current policy expires. Ten percent is about the average savings.
• Military Deployment Discount – Being deployed with a military unit can result in better rates.
• Good Students Pay Less – Excelling in school can get you a discount of up to 25%. The good student discount can last well after school through age 25.
• Discount for New Cars – Putting insurance coverage on a new car can get you a discount because new vehicles have to meet stringent safety requirements.
• Seat Belt Usage – Requiring all passengers to fasten their seat belts can save a little off PIP or medical payments premium.
• Data Collection Discounts – Drivers who agree to allow their company to track driving habits by using a telematic data system such as State Farm’s In-Drive may see discounts if their driving habits are good.

Remember that some of the credits will not apply to the entire policy premium. Most cut the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like you could get a free auto insurance policy, companies wouldn’t make money that way.

For a list of insurance companies with discount auto insurance rates, follow this link.

Don’t assume everyone needs the same auto insurance coverage

When buying the best auto insurance coverage for your vehicles, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

These are some specific questions can aid in determining if your insurance needs might need professional guidance.

• Am I covered if I drive in a foreign country?
• How many claims can I have before being cancelled?
• What is covered by UM/UIM coverage?
• Does my medical payments coverage pay my health insurance deductible?
• Can I pay claims out-of-pocket if I buy high deductibles?
• What are the best liability limits?
• Are there companies who specialize in insuring high-risk drivers?
• Why am I be forced to buy a membership to get insurance from some companies?
• Is my custom paint covered by insurance?

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 a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Car insurance 101

Learning about specific coverages of a insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Cadillac Seville.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Usually these coverages are similar to your liability insurance amounts.

Liability auto insurance

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

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for claims such as medical services, medical expenses and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Collision protection

Collision coverage covers damage to your Seville resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as colliding with a tree, hitting a mailbox, driving through your garage door, sideswiping another vehicle and crashing into a ditch. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for bills for rehabilitation expenses, hospital visits and doctor visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive coverages

This coverage covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hitting a deer, falling objects, damage from flooding, theft and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.