1993 Cadillac Seville Insurance Quotes – 5 Ways to Save

Are you sick and tired of robbing Peter to pay Paul to buy car insurance? You are no different than many other drivers. With so many options, it can be diffult for consumers to find the lowest cost insurer.

This article will introduce you to the best way to quote coverages and some tricks to saving. If you currently have a car insurance policy, you will be able to lower your premiums substantially using these techniques. Drivers just need to know the tricks to shop online.

The quickest method we recommend to compare car insurance company rates takes advantage of the fact most insurance companies actually pay money for the chance to quote your coverage. All you need to do is provide information including marital status, how your vehicles are used, driver details, and deductibles desired. That rating data is then submitted to multiple insurance providers and they return rate quotes instantly to find the best rate.

To find the cheapest insurance rates, click here and find out if lower rates are available.

Ads can be misleading

Consumers constantly see and hear ads for cheaper car insurance by State Farm, GEICO and Progressive. They all make an identical promise about savings if you move to their company.

How do they all claim to save you money? This is how they do it.

Different companies have a preferred profile for the right customer that earns them a profit. A good example of a preferred risk might be profiled as between the ages of 40 and 55, has no driving citations, and drives less than 10,000 miles a year. Any new insured who matches those parameters will get very good rates and therefore will pay quite a bit less when switching companies.

Drivers who don’t measure up to the requirements must pay a more expensive rate and this can result in business not being written. Company advertisements say “people who switch” not “everybody who quotes” save money. That’s the way insurance companies can make those claims.

This illustrates why it’s extremely important to get quotes from several different companies. It’s impossible to know which company will fit your personal profile best.

Cut prices on 1993 Cadillac Seville insurance

Car insurance is not cheap, but there could be available discounts to reduce the price significantly. A few discounts will automatically apply when you purchase, but a few must be inquired about before being credited. If you aren’t receiving every discount available, you’re just leaving money on the table.

  • One Accident Forgiven – A few companies will allow you to have one accident before hitting you with a surcharge if you are claim-free for a certain period of time.
  • Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
  • Discount for Good Grades – Getting good grades can get you a discount of up to 25%. This discount can apply well after school through age 25.
  • Discount for Life Insurance – Companies who offer life insurance give a discount if you purchase life insurance.
  • Federal Government Employee – Active or retired federal employment can save as much as 8% on Seville coverage depending on your company.

As a disclaimer on discounts, some of the credits will not apply to the entire cost. Most cut specific coverage prices like liability and collision coverage. Just because it seems like all the discounts add up to a free policy, insurance coverage companies aren’t that generous. Any qualifying discounts will bring down your overall premium however.

Car insurance companies that possibly offer some of the above discounts may include but are not limited to:

Check with each company how you can save money. Some discounts may not apply in your state.

Tailor your coverage to you

When it comes to buying adequate coverage, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions may help you determine if your insurance needs could use an agent’s help.

  • Is my camper covered by my car insurance policy?
  • How can I get high-risk coverage after a DUI?
  • Should I have combined single limit or split liability limits?
  • Why am I required to buy high-risk coverage?
  • Does my 1993 Cadillac Seville need full coverage?
  • Do I pay less if my vehicle is kept in my garage?
  • Am I covered if hit by an uninsured driver?

If you’re not sure about those questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Car insurance coverages for a 1993 Cadillac Seville

Knowing the specifics of insurance can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverages found on most insurance policies.

Comprehensive (Other than Collision) – This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as falling objects, rock chips in glass and vandalism. The highest amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Protection from uninsured/underinsured drivers – This coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Cadillac Seville.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Normally these limits do not exceed the liability coverage limits.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as rehabilitation expenses, chiropractic care and doctor visits. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Liability car insurance – Liability insurance can cover damages or injuries you inflict on other people or property by causing an accident. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Alternatively, you may have a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as medical services, medical expenses, repair costs for stationary objects and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage – This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as hitting a mailbox, hitting a parking meter and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Get your money’s worth

We just showed you a lot of information how to save on 1993 Cadillac Seville insurance. The most important thing to understand is the more price quotes you have, the better likelihood of reducing your rate. Drivers may discover the most savings is with a company that doesn’t do a lot of advertising. These companies often have lower prices on specific markets than their larger competitors like Allstate, GEICO and Progressive.

The cheapest insurance is possible online in addition to many insurance agents, and you need to price shop both to have the best chance of lowering rates. Some companies do not provide online price quotes and most of the time these small insurance companies sell through independent agents.

Helpful articles