2002 Cadillac DeVille Car Insurance Quotes

Looking for better insurance coverage rates? Shoppers have many options when shopping for the lowest priced Cadillac DeVille insurance. You can either waste hours struggling with agents to get rate comparisons or utilize the internet to compare rates. There are more efficient ways to buy insurance coverage and we’ll show you the best way to get price quotes on a Cadillac and obtain the cheapest rates from both online companies and local agents.

Take discounts and save

Auto insurance companies don’t always list all available discounts in a way that’s easy to find, so we took the time to find some of the best known and the more hidden savings tricks you should be using. If you aren’t receiving every discount possible, you are paying more than you should be.

  • Discounts for Safe Drivers – Drivers who avoid accidents may save up to 50% more for DeVille insurance than less cautious drivers.
  • Multiple Cars – Insuring all your vehicles on one policy may reduce the rate for each vehicle.
  • Homeowners Pay Less – Owning a house can help you save on car insurance because maintaining a house is proof that your finances are in order.
  • Driver Safety – Taking part in a course in driver safety can save you 5% or more if your company offers it.
  • Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts can save up to 15% off the personal injury premium cost.

Drivers should understand that many deductions do not apply to the overall cost of the policy. Some only apply to specific coverage prices like comprehensive or collision. So when it seems like adding up those discounts means a free policy, it just doesn’t work that way.

To see a list of providers offering car insurance discounts, click here to view.

Some factors that can determine what Cadillac DeVille insurance costs

Consumers need to have an understanding of the different types of things that go into determining insurance rates. Having a good understanding of what determines base rates allows you to make educated decisions that will entitle you to better insurance rates.

Listed below are a partial list of the pieces companies use to determine prices.

  • Higher safety ratings means cheaper insurance – Vehicles with high crash test scores get lower rates. These vehicles reduce injuries and lower injury rates translates into fewer and smaller insurance claims and thus lower rates. If your Cadillac earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Little extras can really add up – There are many add-on coverages you can purchase on your insurance policy. Insurance for roadside assistance, better glass coverage and additional equipment coverage are examples of these. They may seem good at first, but now you might not need them so eliminate the coverages to reduce your premium.
  • Tickets mean higher rates – A bad driving record has a big impact on rates. Careful drivers tend to pay less for car insurance compared to drivers with tickets. Only having one moving violation can boost insurance rates forty percent or more. If you have flagrant violations like reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 form to the state department of motor vehicles in order to keep their license.
  • Adjust deductibles and save – Deductibles for physical damage define the amount you are required to spend out-of-pocket before a claim is paid by your company. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of covered claims are running into the backend of another car, vandalism, and rolling your vehicle. The more expense you’re willing to pay, the less your insurance will be for DeVille insurance.
  • Are you male or female? – Statistics have proven women are more cautious behind the wheel. However, don’t assume that women are BETTER drivers than men. Men and women are in accidents at about the same rate, but the males cause more damage and cost insurance companies more money. They also receive more costly citations like reckless driving and DUI.
  • Having a spouse can save you money – Getting married can actually save you money on your policy. It usually means you are more mature than a single person and it’s statistically proven that being married results in fewer claims.
  • Proper usage rating affects rates – The more miles you rack up on your Cadillac in a year’s time the higher your rates will be. Most insurance companies apply a rate based on how the vehicle is used. Cars and trucks used primarily for pleasure use receive lower rates than those used for commuting. If your policy improperly rates your DeVille can result in significantly higher rates. Double check that your insurance policy is showing how each vehicle is driven, because improper ratings can cost you money.

Which policy gives me the best coverage?

When it comes to choosing coverage, there really is not a cookie cutter policy. Everyone’s situation is unique.

Here are some questions about coverages that may help you determine if you could use an agent’s help.

  • Does my 2002 Cadillac DeVille need full coverage?
  • I have health insurance so do I need medical payments coverage?
  • Will my insurance pay for OEM parts?
  • Is my state a no-fault state?
  • What should my uninsured motorist coverage limits be in my state?
  • Should I drop comprehensive coverage on older vehicles?
  • Can I afford low physical damage deductibles?
  • Should I get collision insurance on every vehicle?
  • Are rental cars covered under my policy?
  • How much liability do I need to cover my assets?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form. It is quick, free and you can get the answers you need.

Insurance specifics

Having a good grasp of insurance aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as theft, rock chips in glass, hail damage and damage from flooding. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability coverage – This protects you from injuries or damage you cause to other people or property. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims such as funeral expenses, court costs and bail bonds. How much coverage you buy is up to you, but you should buy higher limits if possible.

Collision – This coverage covers damage to your DeVille caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as colliding with a tree, sustaining damage from a pot hole, driving through your garage door, crashing into a ditch and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance – This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like chiropractic care, dental work and funeral costs. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Have money to burn

Cheaper 2002 Cadillac DeVille insurance is definitely available on the web and with local insurance agents, so you should be comparing quotes from both to get a complete price analysis. A few companies do not offer online quoting and these small, regional companies work with independent agents.

When trying to cut insurance costs, it’s not a good idea to skimp on coverage in order to save money. Too many times, an accident victim reduced comprehensive coverage or liability limits and discovered at claim time they didn’t have enough coverage. The aim is to buy enough coverage at the best price while not skimping on critical coverages.

Drivers change insurance companies for a variety of reasons including extreme rates for teen drivers, unfair underwriting practices, questionable increases in premium or even an unsatisfactory settlement offer. Regardless of your reason for switching companies, finding a great new company can be easy and end up saving you some money.

More detailed insurance coverage information can be found in these articles: