1999 Cadillac Catera Insurance Rates – 7 Tips for Best Quotes

Trying to find the cheapest car insurance rates for your Cadillac Catera? Are you sick and tired of being strong-armed to insure your Cadillac every month? You are in the same boat as many other drivers.

Numerous insurers battle to insure your vehicles, and because of this it can be hard to compare insurers and get the best coverage at the lowest price

You should take the time to get comparison quotes at least once a year since insurance rates are adjusted regularly by insurance companies. Just because you found the lowest price on Catera coverage on your last policy you can probably find a better price now. You can find a lot of misleading information regarding car insurance online, so with this article, you’re going to get some excellent ideas to slash your car insurance rates.

Auto Insurance Prices

There are several ways to shop for Cadillac Catera auto insurance, but there is one way that is easier and takes less work. You can waste hours talking to insurance agencies in your area, or you can utilize online quotes to get rates in a matter of minutes.

Most car insurance companies participate in an industry program that allows shoppers to complete one form, and each participating company returns a competitive quote for coverage. This prevents consumers from doing quote requests to each individual auto insurance company. To access this free quoting program, click to open in new window.

The one downside to pricing coverage this way is you cannot specify the insurers to receive prices from. If you wish to select specific insurance companies for rate comparison, we put together a list of low cost auto insurance companies in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but ensure you’re using apples-to-apples quote information for each price quote. If the quotes have different liability limits you will not be able to make an equal comparison. Having just a slight variation in insurance coverages may result in large price differences. Keep in mind that comparing more company’s prices provides better odds of finding the best offered rates.

How to know if you need help

When choosing the best auto insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions might help in determining if your situation will benefit from professional help.

  • Am I covered if I hit a deer?
  • What is UM/UIM insurance?
  • Does my insurance cover my expensive audio equipment?
  • When should I remove comp and collision on my 1999 Cadillac Catera?
  • Do I need special endorsements for business use of my vehicle?
  • Do I benefit by insuring my home with the same company?
  • What are the financial responsibility laws in my state?
  • Why am I required to buy liability insurance?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do I pay less if my vehicle is kept in my garage?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Parts of your insurance policy

Knowing the specifics of insurance aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages found on the average insurance policy.

Collision coverage protection

This pays to fix your vehicle from damage from colliding 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 things like crashing into a ditch, hitting a mailbox, sustaining damage from a pot hole and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to increase the deductible to bring the cost down.

Coverage for medical payments

Med pay and PIP coverage reimburse you for immediate expenses like surgery, prosthetic devices, chiropractic care, X-ray expenses and ambulance fees. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your 1999 Cadillac Catera.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Comprehensive coverages

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from flooding, rock chips in glass, damage from a tornado or hurricane, falling objects and damage from getting keyed. The maximum payout a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto liability

This coverage protects you from damage or injury you incur to other’s property or people that is your fault. It protects you from legal claims by others. Liability doesn’t 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 might see values of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims like bail bonds, emergency aid, legal defense fees and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.