1999 Cadillac DeVille Insurance Quotes – 6 Tips to Save

Trying to find cheaper insurance rates for your Cadillac DeVille? If price shopping insurance quotes online is new to you, most likely you are confused by the large number local agents and online companies vying for business.

You need to compare rates periodically because rates tend to go up over time. Even if you think you had the best deal for DeVille coverage a couple years back you can probably find a better price now. There is a lot of bad information regarding insurance out there, but I’m going to show you some tested techniques to lower your insurance premiums.

Finding affordable coverage is not rocket science. Just about every vehicle owner who has to buy insurance coverage will be able to cut their insurance bill. But drivers benefit from understanding how big insurance companies market on the web and apply this information to your search.

Cheapest auto insurance quotes

Most companies like State Farm, Geico and Progressive provide prices for coverage directly from their websites. Comparing rates online is fairly simple as all you need to do is type in your required coverages into the form. After you complete the form, their quoting system sends out for credit information and your driving record and returns pricing information based on many factors.

Online price quotes makes it a lot easier to compare rates but the work required to visit a lot of sites and complete many quote forms can be a bit tiresome and repetitive. But it is imperative to have as many quotes as possible if you want to find the lowest auto insurance rates.

There is an easier way!

A less time-consuming method to locate the lowest prices uses just one form to return rates from several different companies. The form is fast, eliminates repetitive work, and makes online shopping much more efficient. After your information is entered, your coverage is rated and you can select any one of the returned quotes. If you find a better price you simply finish the application and purchase the new policy. This process takes just a few minutes to complete and you will know how your current rates stack up.

In order to fill out one form to compare multiple rates now, simply click here to open in new window and enter your vehicle and coverage information. If you have your current policy handy, we recommend you duplicate the coverages exactly as they are listed on your policy. This ensures you will receive a fair comparison based on similar coverages.

Don’t listen to company ads

Respected companies like State Farm, Geico and Progressive regularly use ads on TV and radio. They all convey the message that people will save just by moving to them. How is it plausible that every one can offer you a better deal? It’s all in the wording.

Companies provide the lowest rates for the right customer that earns them a profit. For instance, a desirable insured might be described as between the ages of 30 and 50, has no driving citations, and drives less than 5,000 miles a year. Any new insured who meets those qualifications will get a cheap rate quote and as a result will probably save money with a new company.

Insureds who are not a match for these criteria will be quoted a more expensive rate which results in business not being written. If you pay close attention to the ads, they say “drivers that switch” but not “all drivers who get quotes” save that much. That is how insurance companies can confidently make claims like that. This really illustrates why drivers must compare price quotes frequently. It’s just not possible to know which company will provide you with the cheapest premium rates.

Insurance discounts are available to reduce your rates

Some insurers do not advertise every possible discount in an easy-to-find place, so we researched some of the best known as well as some of the hidden discounts that you can inquire about if you buy insurance online.

  • Theft Prevention Discount – Cars and trucks optioned with advanced anti-theft systems prevent vehicle theft so companies will give you a small discount.
  • Bundled Policy Discount – If you can bundle your auto and homeowners insurance with one insurance company you may earn at least 10% off all policies.
  • More Vehicles More Savings – Buying a policy with primary and secondary vehicles with the same insurance company qualifies for this discount.
  • Savings for New Vehicles – Insuring a new car may earn a small discount since new model year vehicles are generally safer.
  • Passive Restraints – Vehicles equipped with air bags or motorized seat belts may qualify for discounts up to 30%.
  • Student in College – Children who live away from home to go to college and don’t have a car may be able to be covered for less.

A little disclaimer on discounts, some of the credits will not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like comp or med pay. So even though you would think you would end up receiving a 100% discount, nobody gets a free ride.

A list of companies and a summarized list of policyholder discounts are:

  • Farm Bureau discounts include safe driver, multi-vehicle, driver training, renewal discount, youthful driver, and 55 and retired.
  • Liberty Mutual has discounts for newly retired, multi-car, new graduate, new vehicle discount, multi-policy, and hybrid vehicle.
  • State Farm offers discounts including good student, defensive driving training, multiple autos, accident-free, good driver, and Drive Safe & Save.
  • Auto-Owners Insurance offers discounts for mature driver, multi-policy, multiple vehicles, air bags, and safe driver.
  • Geico policyholders can earn discounts including anti-lock brakes, membership and employees, air bags, five-year accident-free, and military active duty.
  • SAFECO may include discounts for safe driver, anti-lock brakes, bundle discounts, homeowner, teen safety rewards, accident prevention training, and anti-theft.

Check with all the companies how you can save money. Depending on the company, some discounts may not be offered in every state.

Everyone needs different car insurance coverages

When buying coverage, there isn’t really a cookie cutter policy. Everyone’s situation is a little different.

For instance, these questions might point out whether you would benefit from professional advice.

  • Why am I required to buy liability insurance?
  • Do I need motorclub coverage?
  • When do I need to add a new car to my policy?
  • Do I need replacement cost coverage?
  • What if I total my 1999 Cadillac DeVille and owe more than it’s worth?
  • Are there companies who specialize in insuring high-risk drivers?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Auto insurance coverages 101

Learning about specific coverages of your policy can be of help when determining the best coverages at the best deductibles and correct limits. Auto insurance terms can be ambiguous and reading a policy is terribly boring.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Cadillac DeVille.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability car insurance

This can cover damage or injury you incur to other people or property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims such as repair costs for stationary objects, medical services, pain and suffering and attorney fees. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like a broken windshield, damage from getting keyed and hitting a deer. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for short-term medical expenses for dental work, pain medications, prosthetic devices, doctor visits and funeral costs. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

This pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like crashing into a building, sustaining damage from a pot hole, hitting a parking meter, backing into a parked car and crashing into a ditch. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Have money to burn

Throughout this article, we presented many ideas to shop for 1999 Cadillac DeVille insurance online. It’s most important to understand that the more times you quote, the higher your chance of finding cheap insurance. Drivers may discover the lowest rates are with the smaller companies.

Consumers leave their current company for a variety of reasons including policy cancellation, high prices, policy non-renewal and even questionable increases in premium. Regardless of your reason for switching companies, choosing a new insurance company is actually quite simple.

While you’re price shopping online, do not skimp on coverage in order to save money. There have been many situations where an insured cut comprehensive coverage or liability limits and found out when filing a claim that they should have had better coverage. Your focus should be to buy the best coverage you can find at a price you can afford, but do not sacrifice coverage to save money.

Helpful articles