View 1993 Cadillac Seville Car Insurance Cost

Looking for cheaper insurance coverage rates for your Cadillac Seville? If online insurance coverage comparisons are new to you, it’s easy to get bewildered thanks to the huge assortment insurance agents and companies who claim to have the best insurance coverage rates.

Shop car insurance online

When shopping for inexpensive auto insurance quotes, there are a couple of ways to get quotes from all the different companies. One of the best ways to comparison shop is simply to get online rate quotes. It’s really quite simple and can be done in a couple of different ways.

  1. One of the fastest ways to compare a lot of rates at once is a comparison rater form click to view form in new window. This type of form keeps you from doing separate quote forms for every prospective company. In just a few minutes this one form gets coverage cost estimates from several companies. Just one form and you’re done.
  2. A more difficult way to analyze rates requires a trip to each company’s website and fill out their own quote form. For examples sake, we’ll assume you want rates from Allstate, Farmers and GMAC. You would have to navigate to each company’s site to enter the same coverage data repeatedly, and that explains why we recommend the first method. For a list of companies in your area, click here.

Whichever way you use, compare equivalent quote data for each comparison quote. If you enter different liability limits then you won’t be able to find the best deal for your Cadillac Seville. Just slight variations in insurance coverages or limits can make a big difference in price. And when comparing car insurance rates, know that getting more free quotes increases your odds of finding better pricing. Some smaller insurers to not give price estimates online, so it’s important to also get price quotes from the smaller companies as well.

Insurance coverage policy discounts

Insuring your fleet can be pricey, but you can get discounts that could drop your premiums quite a bit. Certain credits will be shown at the time you complete a quote, but some may not be applied and must be specifically requested prior to getting the savings.

  • Senior Citizens – Seniors may be able to get better insurance coverage rates for Seville insurance.
  • Save with a New Car – Insuring a vehicle that is new can cost up to 25% less since newer models are generally safer.
  • Claim Free – Drivers who stay claim-free pay less as compared to drivers who are more careless.
  • Good Grades Discount – This discount could provide a savings of up to 20% or more. Most companies allow this discount until age 25.
  • Distant Student – Children who are enrolled in higher education away from home without a vehicle on campus may qualify for this discount.
  • Professional Organizations – Participating in specific professional or occupational memberships or organizations can get you a small discount on your bill.
  • Theft Deterent – Cars optioned with advanced anti-theft systems prevent vehicle theft so companies will give you a small discount.
  • Air Bags and Passive Restraints – Cars that have air bags or motorized seat belts may earn rate discounts of 20 to 30 percent.

One last thing about discounts, some credits don’t apply to the entire cost. The majority will only reduce the cost of specific coverages such as medical payments or collision. Even though the math looks like all those discounts means the company will pay you, it’s just not the way it works.

A few of the larger companies and a summarized list of policyholder discounts can be read below.

  • American Family policyholders can earn discounts including Steer into Savings, early bird, mySafetyValet, good student, good driver, and defensive driver.
  • Farm Bureau discounts include multi-vehicle, safe driver, 55 and retired, good student, and renewal discount.
  • State Farm may have discounts that include safe vehicle, good driver, anti-theft, good student, passive restraint, driver’s education, and student away at school.
  • Travelers offers discounts including multi-policy, continuous insurance, new car, multi-car, student away at school, hybrid/electric vehicle, and early quote.
  • The Hartford has discounts for driver training, vehicle fuel type, good student, defensive driver, anti-theft, bundle, and air bag.
  • GEICO has savings for federal employee, anti-theft, good student, multi-policy, and military active duty.
  • Progressive includes discounts for multi-vehicle, homeowner, continuous coverage, multi-policy, and online quote discount.

Before you buy a policy, ask every prospective company which credits you are entitled to. A few discounts might not be available to policyholders in your area. If you would like to see a list of insurers that offer discounts, follow this link.

How do I know if I need professional advice?

When buying the best insurance coverage, there is no “best” method to buy coverage. Every insured’s situation is different.

For instance, these questions might point out if you might need professional guidance.

  • Is business property covered if stolen from my car?
  • What is an SR-22 filing?
  • Is my babysitter covered when using my vehicle?
  • Is business equipment covered while in my vehicle?
  • Am I covered if I crash into my own garage door?
  • Does my policy cover me when driving someone else’s vehicle?
  • Can I afford low physical damage deductibles?
  • What is the ISO rating for a 1993 Cadillac Seville?
  • What should my uninsured motorist coverage limits be in my state?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Information about specific coverages

Knowing the specifics of insurance can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Collision insurance

Collision coverage covers damage to your Seville from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like damaging your car on a curb, colliding with a tree, rolling your car and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Comprehensive protection

Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hitting a bird, hitting a deer and rock chips in glass. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like X-ray expenses, chiropractic care and ambulance fees. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Liability coverages

This can cover injuries or damage you cause to people or other property that is your fault. This coverage protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as legal defense fees, repair bills for other people’s vehicles and medical expenses. How much coverage you buy is a personal decision, but consider buying higher limits if possible.