2001 Cadillac DeVille Car Insurance Quotes – 6 Tips to Save

Want lower insurance rates? Drivers have options when trying to find the best price on Cadillac DeVille insurance. You can either waste hours calling around trying to get quotes or leverage the internet to make rate comparisons. There are more efficient ways to shop for insurance and you need to know the proper way to compare rates for a new or used Cadillac and get the cheapest rates from both online companies and local agents.

It is always a good idea to take a look at other company’s rates once or twice a year because insurance rates tend to go up over time. Despite the fact that you may have had the best deal for DeVille coverage six months ago you can probably find a better price now. So forget anything you know (or think you know) about insurance because you’re going to get a crash course in the fastest way to find better rates and still maintain coverage.

Finding the best rates is easy if you know what you’re doing. If you are paying for car insurance now, you should be able to lower your premiums substantially using these methods. Consumers just need to learn the tricks to buy insurance coverage over the internet.

Finding Insurance Coverage Deals

Reducing your 2001 Cadillac DeVille insurance rates is surprisingly easy. Consumers just need to take a few minutes comparing price quotes online with multiple companies. This can be done in a couple of different ways.

  1. Probably the best way consumers can analyze rates is an all-inclusive rate comparison click to view form in new window. This method prevents you from having to do separate quotation requests for every insurance coverage company. One quote request will return price quotes direct from many companies. Recommended for those who want to invest the least amount of time.
  2. Another way to get comparison quotes requires a trip to each company’s website to complete their respective quote request forms. For example, let’s say you want to compare rates from State Farm, Allstate and Progressive. To get rate quotes you would need to go to every website to enter your coverage information, which is why the first method is quicker.

    For a list of links to companies insuring cars in your area, click here.

However you get your quotes, be sure to compare apples-to-apples coverage information on every quote. If each company quotes higher or lower deductibles it will be impossible to determine the best price for your Cadillac DeVille.

Are you getting all your discounts?

Companies offering auto insurance don’t always advertise all their discounts very well, so we took the time to find some of the best known and also the lesser-known ways to save on auto insurance. If you don’t get every credit available, you are throwing money away.

  • Accident Forgiveness – Some insurance companies allow you one accident before raising your premiums so long as you haven’t had any claims for a particular time prior to the accident.
  • Payment Method – If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.
  • Senior Discount – Older drivers may qualify for reduced rates for DeVille coverage.
  • Theft Prevention System – Anti-theft and alarm systems can help prevent theft and earn discounts up to 10%.
  • Good Students Pay Less – Performing well in school can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
  • Seat Belts Save – Requiring all passengers to buckle their seat belts can save up to 15% off your PIP or medical payments premium.

As a disclaimer on discounts, most credits do not apply to the entire cost. Most only cut the price of certain insurance coverages like comprehensive or collision. So when the math indicates you can get free auto insurance, you’re out of luck.

Companies that may offer some of the above discounts include:

Check with each insurance company what discounts are available to you. Discounts may not apply in every state.

When might I need an agent?

When it comes to buying proper insurance coverage, there isn’t really a one size fits all plan. Every situation is different.

For instance, these questions could help you determine whether or not you might need an agent’s assistance.

  • Do I need PIP (personal injury protection) coverage in my state?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • What should my uninsured motorist coverage limits be in my state?
  • Which is better, split liability limits or combined limits?
  • Exactly who is provided coverage by my policy?
  • What is roadside assistance coverage?
  • When would I need additional glass coverage?
  • Why do I only qualify for high-risk insurance?
  • Am I covered when driving on a suspended license?
  • Will I lose any money if I cancel my policy before it expires?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Information about specific coverages

Understanding the coverages of your insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Cadillac DeVille.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as falling objects, damage from getting keyed and hitting a deer. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like colliding with another moving vehicle, crashing into a ditch and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for nursing services, surgery and X-ray expenses. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage


Liability coverage will cover injuries or damage you cause to people or other property. It protects YOU against other people’s claims. 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. As an example, you may have policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims such as funeral expenses, repair costs for stationary objects, legal defense fees, bail bonds and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

A tidy conclusion

You just learned a lot of techniques to lower your 2001 Cadillac DeVille insurance rates. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding lower rates. Consumers may even find the lowest priced car insurance comes from a small local company.

The cheapest insurance is attainable online as well as from independent agents, and you should be comparing both to get a complete price analysis. Some insurance companies don’t offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

While you’re price shopping online, it’s a bad idea to buy less coverage just to save a little money. There are too many instances where someone dropped collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to find the BEST coverage at the best price.

More tips and info about car insurance can be read in the articles below: