How Much Does 1991 Cadillac Seville Car Insurance Cost?

Did you fall for a flashy sales pitch and buy an overpriced insurance coverage policy? Believe me when I say many consumers feel financially strained by their insurance coverage policy. Many insurers vie to insure your vehicles, and because of this it can be hard to compare insurers and uncover the absolute lowest rate

Save with discounts on 1991 Cadillac Seville insurance

Car insurance is not cheap, buy you may qualify for discounts to help bring down the price. A few discounts will automatically apply when you quote, but less common discounts must be manually applied before you get the savings. If you’re not getting every credit you qualify for, you’re paying more than you need to.

  • Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% on Seville coverage with a few insurance coverage companies.
  • Discount for New Cars – Putting insurance coverage on a new car is cheaper due to better safety requirements for new cars.
  • Drive Less and Save – Low mileage vehicles can earn lower rates on the low mileage vehicles.
  • Paperless Signup – Certain companies will give a small break simply for signing on their website.
  • Multiple Policy Discount – When you have multiple policies with the same company you may save approximately 10% to 15%.
  • Own a Home – Being a homeowner can help you save on insurance coverage due to the fact that maintaining a home requires personal responsibility.
  • No Claims – Good drivers with no accidents pay much less as compared to bad drivers.

As a disclaimer on discounts, some of the credits will not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like comprehensive or collision. Just because it seems like you would end up receiving a 100% discount, you won’t be that lucky. Any amount of discount will help reduce your overall premium however.

Insurance companies who might offer these benefits may include but are not limited to:

Check with every prospective company which discounts you may be entitled to. Some discounts might not apply in every state.

Complexity of Cadillac Seville insurance rates

It’s important that you understand some of the elements that come into play when calculating the price you pay for insurance. Understanding what impacts premium levels helps enable you to make changes that could result in lower insurance prices.

The list below includes some of the factors that factor into premiums.

  • Rural vs Urban Areas – Being located in a rural area is a positive aspect when buying insurance. Lower population means a lower chance of having an accident as well as less vandalism and auto theft. Drivers who live in large cities tend to have more traffic problems and longer commute times. Longer commute distances translates into higher accident risk.
  • Bad driving skills means higher rates – Only having one citation can boost insurance rates by twenty percent. Careful drivers have lower premiums than their less careful counterparts. Drivers with dangerous tickets like reckless driving, hit and run or driving under the influence are required to submit a SR-22 form with their state DMV in order to prevent a license revocation.
  • Safer cars cost less to insure – Vehicles with high crash test scores are cheaper to insure. Safe vehicles protect occupants better and better occupant protection means less money paid by your insurance company and more competitive rates for policyholders. If your Cadillac is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Do you need the policy add-ons? – There are a lot of add-on coverages that you can get tricked into buying on your 1991 Seville policy. Things like rental car reimbursement, accidental death and motor club memberships may be costing you every month. They may seem like a good idea when talking to your agent, but if you don’t need them remove them from your policy.
  • Teen drivers pay high rates – Teenage drivers are known to be less responsible when driving so they pay higher insurance rates. Adding a youthful driver to your policy can be very expensive. More mature drivers tend to be more responsible, statistically cause fewer accidents and tend to be better behind the wheel.
  • Having a spouse can save you money – Having a spouse actually saves money on your insurance policy. Marriage means you’re more mature than a single person and it’s proven that being married results in fewer claims.

Tailor your coverage to you

When buying adequate coverage, there really is not a “best” method to buy coverage. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions might help in determining whether or not you could use an agent’s help.

  • I have a DUI can I still get coverage?
  • Should I bundle my homeowners policy with my auto?
  • When can my company non-renew my policy?
  • Is my teen driver covered when they drive my company car?
  • How much can I save by bundling my policies?
  • Do I have newly-aquired coverage?
  • Is my business laptop covered if it gets stolen from my vehicle?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance 101

Knowing the specifics of a auto insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverages available from auto insurance companies.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like nursing services, funeral costs, ambulance fees and surgery. They are used in conjunction with a health insurance program or if you are not covered by health insurance. They cover all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive auto insurance

This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from getting keyed, rock chips in glass, hitting a bird, hail damage and theft. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability coverages

Liability insurance protects you from injuries or damage you cause to people or other property. It protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as structural damage, legal defense fees, repair bills for other people’s vehicles and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Collision coverage protection

Collision coverage pays for damage to your Seville caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like backing into a parked car, crashing into a building, rolling your car and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Cadillac Seville.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

In Summary

In this article, we covered some good ideas how to save on 1991 Cadillac Seville insurance. The most important thing to understand is the more rate quotes you have, the better your comparison will be. Drivers may discover the lowest rates come from an unexpected company. These smaller insurers may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate and Progressive.

Low-cost insurance can be purchased on the web in addition to many insurance agents, so you should compare both so you have a total pricing picture. There are still a few companies who do not provide online quoting and most of the time these regional insurance providers sell through independent agents.

Additional information