Compare 2002 Cadillac DeVille Insurance Rates

I can’t think of anyone who cherishes buying auto insurance, especially knowing the price is too high. Many car insurance companies vie for your business, and because of this it can be hard to compare auto insurance companies and get the best coverage at the best price available.

Consumers need to check auto insurance prices quite often due to the fact that insurance rates are constantly changing. Despite the fact that you may have had the lowest price on DeVille coverage a year ago there may be better deals available now. There is a lot of bad advice regarding auto insurance online but by reading this article, you’re going to learn some good information on how to put money back in your pocket.

If you have a current auto insurance policy or are shopping for new coverage, you can use this information to reduce the price you pay while maintaining coverages. Choosing the best insurance company for you is quite easy. Drivers only need an understanding of the most efficient way to shop their coverage around over the internet.

Your Cadillac DeVille insurance rate is a complex equation

An important part of buying insurance is that you know the factors that play a part in calculating the rates you pay for car insurance. Understanding what determines base rates empowers consumers to make smart changes that may reward you with big savings.

Shown below are some of the factors used by your company to calculate rates.

  • Cautious drivers pay less – Your driving citation history has a huge affect on how much you pay. Just one ticket can increase rates forty percent or more. Good drivers receive lower rates compared to drivers with tickets. Drivers who have flagrant citations such as DWI, reckless driving or hit and run convictions may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to keep their license.
  • Equipment add-ons that lower car insurance rates – Purchasing a vehicle that has an advanced theft prevention system can get you a discount on your car insurance. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your car from being stolen.
  • Males pay more for insurance – Statistics have proven women are more cautious behind the wheel. However, this does not mean women are BETTER drivers than men. Men and women are in accidents in similar numbers, but the men have costlier accidents. Men also statistically get more serious tickets like DUI and reckless driving. Young males are several times more likely to be in an accident and are penalized with high car insurance rates.
  • Discounts for married couples – Having a spouse can get you a discount on your car insurance policy. It usually means you are more responsible and it’s statistically proven that married drivers get in fewer accidents.
  • Your age impacts your rates – Mature drivers tend to be more responsible, tend to file fewer claims and receive fewer citations. Teenage drivers are known to be more careless in a vehicle and because of this, their car insurance rates are much higher.
  • Policy add-ons can waste money – There are many additional coverages that you can get tricked into buying on your DeVille policy. Things like vanishing deductibles, accidental death and motor club memberships are some examples. These may sound like a good investment at first, but if you don’t need them remove them from your policy.
  • Safer cars are cheaper to insure – Cars with high safety ratings are cheaper to insure. The safest vehicles reduce injuries and fewer injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Cadillac DeVille earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Too many car insurance claims drive up costs – If you tend to file frequent claims, you can expect higher rates. Car insurance companies provide better rates to people who do not rely on their insurance for small claims. Insurance coverage is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.

Low Cost Car Insurance

There are a lot of ways you can shop for car insurance but there is one way that is easier and takes less work. You could spend the better part of a day talking to agents in your area, or you can stay home and use online quotes to get prices fast.

Many companies enroll in a system that allows shoppers to enter their policy data once, and every company returns a competitive quote determined by their information. This prevents consumers from doing form submissions to each company.

To compare 2002 Cadillac DeVille rates using this form now click to open in new window.

The one downside to comparing rates this way is that consumers can’t choose the providers you want to price. So if you prefer to pick individual companies to receive pricing from, we have assembled a list of the cheapest car insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just make darn sure you compare apples-to-apples coverages on every quote you get. If the quotes have mixed coverages then you won’t be able to find the best deal for your Cadillac DeVille.

Do drivers who switch really save $385 a year?

Consumers can’t ignore all the ads that promise big savings by companies like Geico, State Farm and Progressive. All the ads make an identical promise that you’ll save big if you change to them.

How can each company make almost identical claims?

All the different companies can use profiling for the driver that makes them money. For example, a profitable customer could possibly be between the ages of 40 and 55, is a homeowner, and drives less than 7,500 miles a year. A driver who fits that profile receives the best rates and as a result will probably save when they switch companies.

Consumers who fall outside the “perfect” profile will have to pay more money and this can result in the customer not buying. The ads state “drivers who switch” not “everybody who quotes” save that much money. That is how insurance companies can confidently make those claims.

Because of the profiling, drivers must get a wide range of price quotes. Because you never know which insurance company will provide you with the cheapest Cadillac DeVille insurance rates.

Don’t overlook these discounts

The cost of insuring your cars can be expensive, but you can get discounts to cut the cost considerably. A few discounts will automatically apply when you quote, but some may not be applied and must be specifically requested before you get the savings. If you’re not getting every credit you deserve, you are paying more than you should be.

  • Claim Free – Good drivers with no accidents pay much less when compared with bad drivers.
  • Payment Discounts – If you pay your bill all at once instead of paying each month you could save up to 5%.
  • Use Seat Belts – Drivers who require all occupants to wear their seat belts can save 10% or more off the personal injury premium cost.
  • Driver Safety – Taking part in a driver safety course can save you 5% or more if your company offers it.
  • Discount for New Cars – Insuring a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Early Signing – A few companies offer discounts for switching to them before your current expiration date. This can save 10% or more.
  • College Student – Youth drivers who live away from home and don’t have a car may qualify for this discount.

Drivers should understand that some credits don’t apply to the overall cost of the policy. The majority will only reduce individual premiums such as liability, collision or medical payments. Just because it seems like having all the discounts means you get insurance for free, you’re out of luck. But all discounts will bring down your premiums.

Insurance companies that may have these discounts include:

Check with every prospective company which discounts you may be entitled to. Savings might not be offered everywhere.

Is my situation unique?

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Every insured’s situation is different and your policy should reflect that. For example, these questions can aid in determining if you would benefit from an agent’s advice.

  • When should I buy a commercial auto policy?
  • Is my camper covered by my car insurance policy?
  • Is rental equipment covered for theft or damage?
  • I have health insurance so do I need medical payments coverage?
  • Why am I required to buy high-risk coverage?
  • What if I don’t agree with a claim settlement offer?
  • Are all vehicle passengers covered by medical payments coverage?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverage basics

Understanding the coverages of your policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages offered by insurance companies.

Liability car insurance

This coverage protects you from damage or injury you incur to other people or property by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like bail bonds, funeral expenses, legal defense fees, emergency aid and medical services. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Comprehensive coverages

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as theft, vandalism, rock chips in glass, falling objects and damage from getting keyed. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured and underinsured coverage

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your 2002 Cadillac DeVille.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for expenses for EMT expenses, doctor visits, nursing services, hospital visits and surgery. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as hitting a parking meter, driving through your garage door, crashing into a building, backing into a parked car and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Shop around and save

We’ve covered quite a bit of information on how to lower your 2002 Cadillac DeVille insurance rates. The most important thing to understand is the more you quote, the higher your chance of finding lower rates. Consumers could even find that the best price on insurance coverage is with the least-expected company. They may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate, Geico and Progressive.

Cheaper insurance can be found online in addition to many insurance agents, and you need to comparison shop both to have the best selection. Some companies do not provide online quoting and most of the time these regional insurance providers sell through independent agents.

As you go through the steps to switch your coverage, never skimp on coverage in order to save money. There have been many cases where an accident victim reduced comprehensive coverage or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to get the best coverage possible at the best price while not skimping on critical coverages.

More information is available on the following sites: