2004 Cadillac Seville Car Insurance Rates

Searching for cheaper insurance coverage rates for your Cadillac Seville? I can’t think of a single person who looks forward to buying insurance coverage, especially knowing they are paying too much. Because you have many insurance coverage companies to choose from, it can be diffult for consumers to pick the cheapest insurer.

Why your Cadillac Seville insurance rates may be high

Consumers need to have an understanding of some of the elements that go into determining the rates you pay for car insurance. Understanding what controls the rates you pay helps enable you to make changes that can help you get lower car insurance prices.

Listed below are some of the factors that factor into your rates.

  • Traffic citations inflate rates – Your driving citation history has a lot to do with how much you pay for insurance. Drivers who don’t get tickets get better rates than their less careful counterparts. Just one citation can bump up the cost by twenty percent. Drivers who have dangerous citations such as DUI or reckless driving may need to file a SR-22 to the state department of motor vehicles in order to prevent a license revocation.
  • Liability coverage protects you – Liability insurance is the coverage that protects you when you are found to be at fault for personal injury or accident damage. Liability provides legal defense which can cost thousands of dollars. Liability insurance is quite affordable compared to physical damage coverage, so drivers should carry high limits.
  • Do you need those extra coverages? – There are a lot of extra bells and whistles you can purchase when buying car insurance. Coverages for rental car reimbursement, better glass coverage and motor club memberships may be costing you every month. They may seem like a good idea when you first buy your policy, but if you don’t need them eliminate them to save money.
  • High credit ratings translate to low rates – Your credit rating is a huge factor in determining what you pay for car insurance. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers who have lower credit scores. If your credit can use some improvement, you could save money insuring your 2004 Cadillac Seville by improving your rating.
  • Battle of the sexes – Statistics show women tend to be less risk to insure than men. Now that doesn’t mean men are WORSE drivers than women. Men and women are in accidents in similar percentages, but the male of the species tend to have more serious accidents. Men also tend to receive more costly citations such as reckless driving.
  • Too many car insurance claims drive up costs – Companies award cheaper rates to policyholders who do not rely on their insurance for small claims. If you frequently file small claims, you can pretty much guarantee higher rates. Auto insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.

How to Get Insurance Comparison Quotes

Most major insurance companies give insurance quotes on their websites. The process is fairly straightforward as you simply enter your personal and coverage information as requested by the quote form. After the form is submitted, their system will order credit information and your driving record and returns pricing information. Online price quotes helps simplify price comparisons, but the work required to visit multiple sites and fill out multiple forms can be a bit tiresome and repetitive. But it is imperative to perform this step if you want to find better insurance pricing.

An easier way to compare insurance pricing makes use of a single form that gets prices from more than one company. It saves time, requires less work, and makes quoting online much easier. Immediately after submitting the form, your coverage is rated with multiple companies and you can pick your choice of the quotes that you receive.

If the quotes result in lower rates, you can click and sign and purchase coverage. The entire process takes just a few minutes to complete and could lower your rates considerably.

To find out what other companies charge, simply click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you input your coverages just like they are on your policy. This ensures you will get a rate comparison based on similar coverages.

Is there deception in advertising?

Consumers constantly see and hear ads for car insurance savings by companies like Geico, State Farm and Progressive. All the companies have a common claim that you can save after switching to them.

How can each company make almost identical claims? It’s all in the numbers.

All the different companies have a preferred profile for the type of driver that earns them a profit. For instance, a profitable customer could possibly be between 30 and 50, is a homeowner, and has great credit. A propective insured who fits that profile receives the best rates and as a result will probably cut their rates substantially.

Potential customers who don’t qualify for the “perfect” profile will be charged more money which usually ends up with the customer not buying. The ads say “customers that switch” but not “drivers who get quotes” save that kind of money. This is how companies can make the claims of big savings.

That is why it is so important to get a wide range of price quotes. You cannot predict the company that will give you the biggest savings on Cadillac Seville insurance.

Don’t miss out on these money-saving discounts

Car insurance is not cheap, but there could be available discounts to reduce the price significantly. Some discounts apply automatically at the time of quoting, but less common discounts must be asked about prior to receiving the credit. If you’re not getting every credit available, you are paying more than you should be.

  • Safety Course Discount – Taking part in a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
  • Discount for Life Insurance – Select insurance companies reward you with a break if you buy life insurance.
  • Multi-policy Discount – When you have multiple policies with the same company you will save 10% to 20% off each policy.
  • Student Driver Training – Cut your cost by having your teen driver take driver’s ed class if offered at their school.
  • Homeowners Discount – Simply owning a home may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.

A little note about advertised discounts, most of the big mark downs will not be given the the whole policy. Some only apply to specific coverage prices like comprehensive or collision. So even though they make it sound like having all the discounts means you get insurance for free, it just doesn’t work that way. But all discounts will reduce your overall premium however.

For a list of companies who offer car insurance discounts, click here.

Do I need special coverages?

When it comes to choosing coverage, there is no “best” method to buy coverage. Every situation is different so this has to be addressed. Here are some questions about coverages that can aid in determining if your situation may require specific advice.

  • Am I getting all the discounts available?
  • Do I really need UM/UIM coverage?
  • Why is insurance for a teen driver so high?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What can I do if my company denied a claim?
  • What is an SR-22 filing?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Specific coverage details

Understanding the coverages of your insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy. Below you’ll find the normal coverages found on most insurance policies.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for doctor visits, pain medications and dental work. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Cadillac Seville.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive coverage

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from flooding, hail damage, damage from a tornado or hurricane, theft and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto collision coverage

Collision coverage pays for damage to your Seville caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like scraping a guard rail, hitting a parking meter and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Liability

This coverage will cover damages or injuries you inflict on a person or their property in an accident. It protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as repair bills for other people’s vehicles, attorney fees, medical services and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

In Summary

Cheap 2004 Cadillac Seville insurance can be bought both online and with local insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies do not offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

When trying to cut insurance costs, make sure you don’t reduce coverage to reduce premium. There are too many instances where someone sacrificed uninsured motorist or liability limits and discovered at claim time that the savings was not a smart move. Your strategy should be to get the best coverage possible at a price you can afford, not the least amount of coverage.

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